If you live and bank in the European Economic Area (EEA), you may have noticed an extra authentication step is now required when you purchase travel insurance from World Nomads.

Why do I have to complete this extra step?

As of 14 September 2019, EEA consumers may be required to complete an extra step of authentication when purchasing online, following the introduction of EEA legislation to increase consumer protections from fraud. This will only affect EEA consumers whose bank is also based in the EEA.
While it may take a little more time to purchase your insurance, it’s been introduced to better protect you from credit card and other kinds of online transaction fraud and we and the banks must comply with it.

What if I don’t have a second way to authenticate?

Under the new system, banks will require two steps of authentication. If you’re unable to provide a second form of authentication they may decline the payment.  As the authentication is completed by your bank, if you have trouble completing it you should contact them in the first instance to see what other options are available to you.

My payment declined but I entered a second form of authentication?

To protect your privacy, we are not made aware of why a bank has declined your payment.  It may be because of the authentication or it could be for another unrelated reason.  We suggest you contact your bank and speak to them.

I’ve decided to keep traveling and need to extend my travel insurance or buy a new policy… but it’s declining.  What do I do?

We suggest trying another credit card and if that doesn’t work, you can contact us to try and make a payment over the phone.

 If you continue to have difficulties with payments please contact your bank.  Any other travel insurance queries you can contact us.


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We’re here to help if you have a question about travel insurance. We’re available:

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For policies purchase on or after 2 December 2018:


+353 21 237 8007

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For policies purchased before 2 December 2018:


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