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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 31 July 2023, 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 31 July 2023, please see below.

Cancellation insurance is there for when life throws you a curve ball, helping you reduce out-of-pocket expenses 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.
  • You are a student of a recognised school, college or university and you are required to re-sit an exam.
  • 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. Exclusions 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.  

Get a quote today and find out if this policy is right for you.

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

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 Abroad Medical Expenses

Take the pain out of medical costs while traveling abroad.

  • 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

Expenses included in Emergency Medical limits.

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 (Personal Liability)
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.
Pre-existing medical conditions

World Nomads policies cannot cover claims due to Pre-Existing Medical Conditions (PEMC), regardless of whether the condition is serious or not (this includes if you're on separate or joint policies). You can still purchase a World Nomads policy, but the PEMC exclusion is not removable. 

For travel insurance providers that offer cover on PEMC, visit the Money and Pensions Service (MaPS) Money Helper website, or call 0800 138 7777. BIBA's (The British Insurance Brokers' Association) Find Insurance Service offers information on serious PEMCs and travel insurance providers that may cover these conditions. You can also contact them on 0370 950 1790.

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.

Wherever you are, we’re here 24/7 to help you in any emergency.

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

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.