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Travel Insurance and Trip Cancellation

For when you have to cancel your trip unexpectedly

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For information relating to policies purchased prior to 17 June 2021, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 17 June 2021 please see below.

Cancellation insurance is there for when life throws you a curve ball, making sure you’re not out of pocket if you’ve had to put your journey on hold.

From jury duty to an unexpected illness or redundancy, there are many reasons why you may have to stay at home instead of taking a cooking class in Chiang Mai… even if that’s the last place you want to be.

What’s covered by travel insurance for cancellation?

As long as you haven’t left home, we may cover you if you have to cancel your trip under certain circumstances like:

  • You or your close relative or a member of your travelling party is injured, gets a serious illness or dies.
  • You are unexpectedly called to do jury service or appear in court as a witness (but not as an expert witness.)
  • You’re made redundant.
  • Your home or business becomes uninhabitable within two weeks of your travel start date.
  • There’s been a theft from your home within two weeks of your travel start date and the police want to speak to you about it.

In addition, travellers with the Explorer Plan may be covered if the Foreign, Commonwealth and Development Office (FCDO) or similar body in the circumstances issues a travel warning advising against ’all travel’ or ‘all but essential travel’ to a specific region or country and that warning was first given after you purchased your policy and after you booked the trip.

Am I covered for Cancellation due to Coronavirus?

While epidemics and pandemics are excluded from the Cancellation, Curtailment & Trip Resumption sections as well as the Trip Interruption sections of our policy, there may be some benefits available to you if you've purchased our Explorer Plan, which includes a Coronavirus Travel Costs section. 

If you have purchased the Explorer Plan, you may have some cover for trip cancellation or curtailment events that are outside of your control and caused by:

  • You or a member of your travelling party being diagnosed with the Coronavirus;
  • Your close relative in the United Kingdom being hospitalised or dying due to the Coronavirus;
  • You or a member of your travelling party who are permanently employed as a healthcare worker, residential care worker or law enforcement officer having pre-approved leave cancelled due to Coronavirus.

You can check out our What’s covered for Coronavirus article which has all of the details, including benefit limits and exclusions

What’s not covered by travel insurance for cancellation?

There are a number of things you’re not covered for if you cancel or curtail your trip. These include but are not limited to:

  • Pre-existing medical conditions as outlined in your Policy Wording
  • The policy excess
  • Additional costs incurred as a result of not immediately telling the travel agent, tour operator or provider of transport or accommodation that you need to cancel the trip
  • Costs recoverable from elsewhere
  • Costs incurred by travelling party members who are not on the Certificate of Insurance.

The policy isn’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.  


Be prepared if you need to claim for cancellation or curtailment.

Depending on your claim, you'll need copies of:

  • Receipts
  • Itineraries
  • Doctors' reports/death certificates
  • Medical history 
  • Written documentation from the travel provider of reason for cancellation and any refunds

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:

Explorer plan: 

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:

Explorer plan: 

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:

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:

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:

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:

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:

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.

Grandma passed away

My wife and I had planned to fly via Dubai on our way out to New Zealand. However my wife's grandmother suddenly passed away. We had to cancel our flights, which the airline will refund and waive cancellation fees due to the situation. But our hotel reservation in Dubai was a non-refundable booking.
British nomad

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
  • Come to a sticky end?
  • Called to jury duty?
  • Been made redundant?

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 drugs?
  • 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?
  • You or a family member dead?

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
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

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.


Here are our most frequently asked questions about buying travel insurance for cancellation. You can also find the answers to other questions in our Help Center or you can ask the customer service team. 

  • Is there a time period that I have to claim within?
    You're welcome to submit a claim whenever you're ready. If you're waiting on documentation, just let our customer service team know so they can make a note. The sooner a claim is made, the easier it is to get documentation and contact witnesses, as required.
  • I’ve decided not to go travelling – can I cancel my policy?
    If you cancel your policy within 21 days of our issuing your Certificate of Insurance, and you have not yet left home and are not going to use the policy, including making a claim, we will refund your premium, as it’s within your cooling-off period. After 21 days, contact our Customer Service team.