Section 8 Adventure, Work, Study & Volunteer: €125
Note: For policies purchased after 1 August 2019, your World Nomads policy is backed by XL Insurance Company SE. For policies purchased between 1 November 2018 and 16 January 2019, your World Nomads policy is backed by certain underwriters at Lloyd’s. For policies purchased between 17 Jan 2019 and 31 July 2019, your World Nomads policy is backed by Lloyd’s Insurance Company SA.
For policies purchased before 1 Nov 2018:
Your policy has an excess.The excess is deducted in the event of a claim or you may have to pay the excess. Sorry, it's not possible to buy out the policy excess.
Here are the main policy benefits and the relevant excess applied to each of these benefits(there are 19 Sections in total so for more information, see the policy wording).
The excess is applicable for each person making a claim, per policy section,to a maximum of 2 excesses being charged per insured incident.
Section 1 Cancellation: €90 (€25 in respect of loss of deposit only claims) Section 2 Curtailment: €90 Section 3 Trip Interruption: €90 Section 4 Emergency Medical Expenses: €125 Section 5 Hospital Benefit: not applicable Section 6 Personal Accident: not applicable Section 7 Baggage & Personal Belongings: €90 Section 8 Money: €90 Section 9 Loss of Passport / Travel Documents: No excess applicable Section 10 Travel Delay & Abandonment: €90 Section 11 Missed Departure: €90
Note: For policies purchased before 1 Nov 2018, your World Nomads policy is backed by Millstream.