As we've recently changed our insurer, please select the date you bought your policy:

Policies purchased on or after 1 August 2019
Policies purchased between 1 November 2018 and 31 July 2019
Policies purchased before 1 November 2018


 

For policies purchased on or after 1 August 2019

Your policy refers to time excesses rather than waiting periods.

What’s a time excess?

It’s the amount of time you have to wait before cover is activated and/or before a benefit becomes payable.

But why do I have to wait for cover?

To put it bluntly, it reduces the likelihood of travellers making claims as soon as they purchase insurance. It also helps to keep the price lower for everyone.

When are time excesses applied?

Some policy benefits have a time excess, namely:

  • Baggage Delay – you have to wait 24 hours from the scheduled arrival time before you can claim for essential items.

  • Travel Delay – the delay has to be 12 hours or longer before you can claim for this cover.

In addition, if you buy your policy while already travelling, you’ll need to wait 72 hours before you can be covered under any of the policy benefits. The exception is emergency overseas medical expenses and emergency transport expenses. These come into effect immediately if you are injured in connection with an accident and it is verified by an independent third party.

Note: For policies purchased on or after 1 August 2019, your World Nomads policy is underwritten by XL Catlin Insurance Company UK Limited.

 

 

For policies purchased between 1 November 2018 and 31 July 2019

What’s a waiting period?

It’s the amount of time you have to wait before cover is activated and/or before a benefit becomes payable.

But why do I have to wait for cover?

To put it bluntly, it reduces the likelihood of travellers making claims as soon as they purchase insurance. It also helps to keep the price lower for everyone.

When is the waiting period applied to the policy?

If you buy your policy while still in the UK, cancellation cover begins from when we issue your Certificate of Insurance, and most other cover begins when you depart.
If you buy your policy while already travelling, you’ll need to wait 72 hours before you can be covered under any of the policy benefits. The exception is emergency overseas medical expenses and emergency transport expenses. These come into effect immediately if you are injured in connection with an accident and it is verified by an independent third party.

Are there any policy benefits with waiting periods?

Yes, there are waiting periods in place once you have your policy:

  • Baggage Delay – you have to wait 24 hours from the scheduled arrival time before you can claim for essential items.

  • Travel Delay – the delay has to be 12 hours or longer before you can claim for this cover.

Note: For policies purchased between 1 November 2018 and 31 July 2019, your World Nomads policy is underwritten by certain underwriters at Lloyd’s.

 

 

For policies purchased before 1 November 2018

Yes, there are waiting periods!

What’s a waiting period?

It’s the amount of time you have to wait before cover is activated and/or before a benefit becomes payable.

But why do I have to wait for cover?

To put it bluntly, it reduces the likelihood of travellers making claims as soon as they purchase insurance. It also helps to keep the price lower for everyone.

When is the waiting period applied to the policy?

If you’re already travelling, you’ll need to wait 72 hours from the moment you buy the policy before you can be fully covered under any of the policy benefits.

A little exception to the rule:

Because we know all too well that the unexpected can happen, especially abroad it seems, there’s cover for emergency overseas medical expenses and emergency transport expenses immediately (no need to wait until the 3 days is up to be covered in other words) if you become seriously ill or injured in connection with an accident and it is verified by an independent third party.

Buying your policy at home before heading abroad?


No waiting period applied! You’ll be fully covered from your departure date!

Policy benefits and waiting periods

There's also a waiting period is in place once you have your policy:

  • Baggage Delay – you have to wait 24 hours from the scheduled arrival time before you can claim for essential items.

Note: For policies purchased before 1 Nov 2018, your World Nomads policy is backed by Millstream.


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Our contact details

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

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1) (For policies purchase on or after 1 November 2018)
  • Monday to Friday 9:00am - 5:00pm (GMT/BST) (For policies purchased before 1 November 2018)

Contact us

Phone

For policies purchase on or after 1 November 2018:


0800 260 5081


+353 21 237 8000

_________________


For policies purchased before 1 November 2018:


0330 660 0738


+44 (0) 330 660 0738