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What to do if you have to cancel your trip due to illness or injury

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1. Rearrange or cancel your bookings

As soon as you know you won’t be able to use any pre-booked or pre-paid accommodation, transport or tours, you must try to rearrange them, or if necessary, cancel.

Just remember, if you decide to rearrange, we’ll only pay up to the benefit amount. If you don’t rearrange or cancel as soon as reasonably possible, we won’t cover any additional rearrangement or cancellation costs that arise as a result. But you should only cancel arrangements when it’s absolutely necessary.

For example, if your doctor says you can’t fly for two days, but you cancel a three-week trip, rather than putting it back by two days, we’ll only cover cancellation of two days’ worth of accommodation, not the entire booking.

2. Get it in writing

To support your claim, you’ll need to get the following:

  • Doctor (or other medical practitioners) report, confirming what happened and the nature of the illness or injury.
  • Hospital Admission report (if the person was admitted to hospital).
  • Ambulance report (if they were involved).
  • Police report (if they were involved).
  • Any other relevant documentation related to what happened.

What does my travel insurance cover?

3. Keep your itineraries and receipts

You’ll need to keep your receipts, itineraries and booking and cancellation confirmations including details of any refunds received for any affected transport and accommodation.

This information may help you avoid unnecessary costs, gather the right evidence and help keep your claim hassle free.

Am I covered if I cancel my trip due to COVID-19?

The Coronavirus has made planning a trip harder than ever – which is why we’ve tried to add some certainty to the process with the Coronavirus Travel Costs cover available on the Explorer Plan only.  It provides cover if you’ve had to cancel or rearrange your trip due to your or a member of your travelling party’s Coronavirus diagnosis. 

Diagnosis must be made after you’ve bought your policy and benefit limits apply.

If you have no option but to cancel your trip and the event is unforeseen and out of your control you may be covered for the following:

  • If you or a member of your travelling party are diagnosed with Coronavirus and you have to cancel your trip, we will pay the non-refundable portion of your pre-paid travel arrangements.
  • If your close relative in the UK is hospitalised or dies due to Coronavirus and you have to cancel your trip, we will pay the non-refundable portion of your pre-paid travel arrangements.
  • If you or a member of your travelling party are permanently employed as a healthcare worker, residential care worker or law enforcement officer, and your or their pre-arranged leave is cancelled by the employer due to Coronavirus, we will pay the non-refundable portion of your pre-paid travel arrangements.

To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, conditions and exclusions.

Please note: COVID-19 cover depends on your Country of Residence and varies between plans.

Reconnect with the world with our travel insurance cover for some Coronavirus-related events

Itching to travel again?

Explore the world with our plans that provide cover for some Coronavirus-related (including COVID-19 related) events, including emergency overseas medical, evacuation, cancellation cover and more. Find out what cover applies to your Country of Residence, and the key benefit limits depending on which plan you purchase. Happy and safe travels!

Overseas medical expenses and repatriation home

If a qualified medical practitioner diagnoses you with Coronavirus while you’re travelling, we may offer emergency medical benefits to help you get back on your feet, as well as emergency transport to the nearest or most appropriate medical facility or back home to the UK to recover.

Standard plan:
£5,000,000

Explorer plan: 
£10,000,000

Repatriation of your remains

If the worst happens and you die from Coronavirus while overseas, we offer benefits to help your family with the costs of a funeral, or if available, bringing you back to your home country.

Standard plan:
£5,000

Explorer plan: 
£5,000

Coronavirus Travel Costs section (cancellation and curtailment pre and on-trip)

Had to cancel your trip because you, a travel companion or a close relative in the UK have been diagnosed with Coronavirus? Our cover may help with your cancellation costs.

Standard plan:
Not available

Explorer plan:
£1,250*

Coronavirus Travel Costs section (travel and accommodation costs on-trip)

If during your travels you’re unable to stay at your pre-booked accommodation, because it’s closed for cleaning due to a confirmed case of Coronavirus we may pay for reasonable additional travel and accommodation nearby. Did someone clip your wings? If you’re unable to board your plane, train or other scheduled transport because you’re suspected of having Coronavirus, we may offer cover for unexpected additional accommodation, meals and transport costs as needed.

Standard plan:
Not available

Explorer plan:
£1,250*

Coronavirus Travel Costs section (on-trip quarantine related cost)

Stuck in your hotel room due to Coronavirus? If you or your travel companion must go into compulsory quarantine due to a diagnosis of, or a confirmed close contact with, a case of Coronavirus, we may be able to help with cover for reasonable additional travel, meals and accommodation, including in-room entertainment.

Standard plan:
Not available

Explorer plan:
£1,250*

Coronavirus Travel Costs section (Essential Workers)

Are you or a member of your travelling party an essential healthcare worker? If you’re permanently employed as a healthcare or residential care worker or a law enforcement officer, and your pre-arranged leave is cancelled because of Coronavirus then our cover can help.

Standard plan:
Not available

Explorer plan:
£1,250*

Coronavirus Travel Costs (pet and childcare costs on-trip)

If while travelling you’re diagnosed with Coronavirus and unable to take care of your dependent children and/or pets, our travel insurance policies may help with cover for reasonable additional childcare and pet care costs. Pet care services covered include kennel and cattery boarding fees or pet sitting services, in the UK.

Standard plan:
Not available

Explorer plan:
£1,250*

Disclaimer: *This is the maximum limit (per insured person) available for all events combined under the Coronavirus Travel Costs section. All of the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Make sure you read your Policy Wording carefully for a full description of coverage.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip from unexpected cancellation.

  • Explorer Plan: £5,000
  • Standard Plan: £3,000
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical costs.

  • Explorer Plan: £10 million
  • Standard Plan: £5 million
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

We'll get you to hospital pronto.

  • Explorer Plan: £10 million
  • Standard Plan: £5 million
Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Cover your lost, stolen or damaged gear and tech.

  • Explorer Plan: £2,000
  • Standard Plan: £1,000
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Medical Expenses
  • Baggage & Personal Belongings
  • Cancellation
  • Trip Curtailment
  • Personal Accident
  • Loss of Passport or travel documents
  • Personal Liability
  • Legal Expenses
This is a general summary for United Kingdom residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.
Customers with pre-existing medical conditions

You can still purchase a World Nomads policy if you have a Pre-Existing Medical Condition (PEMC) – whether it is serious or not – but we won’t cover any claim/s made by any traveller under the policy as a result of this condition (this includes if you’re on separate or joint policies). This exclusion can’t be removed from the policy.   

The Money and Pensions Service (MaPS) has a travel insurance directory on its Money Advice Service website, or you can contact the service on 0800 138 7777. This service provides details on what may be considered a PEMC, and travel insurance providers that may cover serious PEMCs, which may assist travellers wanting cover for these conditions. 

24/7 emergency assistance

If you need medical assistance or emergency medical evacuation our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

For policies purchased on or after 1 September 2021:
+44 (0) 2030931750 (Call via an operator reverse charges. Not toll free.)

For policies purchased before 1 September 2021:
Phone: +353 21 237 8005 (Call via an operator reverse charges. Not toll free.)
Phone: +61 2 8263 0470 (Call via an operator reverse charges. Not toll free.)

Contact the team
Wherever you are, whatever has happened, our multi-lingual assistance teams are here to help you and your family.
Aurelie's portrait photo
Aurelie Menard,
Emergency Assistance, World Nomads

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.