Am I covered if I need to cancel or reschedule my trip?

World Nomads travel insurance plans include coverage for trip cancellation and trip interruption. If you need to delay, cancel or reschedule your trip before you leave home, you may be able to make a claim for covered costs. 

What does travel insurance cover for trip cancellation or interruption?

There are a million reasons why you might want to cancel your trip. Maybe you’re fighting with your travel companions and can’t stand the thought of spending time with them. Or maybe you’ve just changed your mind.

While travel insurance won’t cover these reasons, some events do qualify for trip cancellation coverage. For example:

  • A death in your or your travel companion’s family.
  • You or your travel companion have developed a medical condition and your doctor advises that travel is not an option.
  • You or your travel companion are a victim of felonious assault.
  • Your accommodations at your trip destination have become uninhabitable as the result of an unforeseen natural disaster.
  • You or your travel companion are required to serve on a jury or subpoenaed within 10 days of departure.
  • You or your travel companion are active military personnel and are being called to emergency duty to provide relief in the event of a natural disaster.
  • An unannounced strike causes your common carrier to stop services for at least 24 hours.
  • terrorist attack happens within 30 days of your departure date, either at your departure point or destination.

What can I claim for in case of cancellation?

If you need to cancel for a covered reason, you may be able to be reimbursed for pre-paid, non-refundable travel arrangements that you didn’t use. These could include accommodations, flights and tours.

You’ll need to notify your travel suppliers and World Nomads within 72 hours and send the following documentation with your claim:

  • Proof of payment for your travel arrangements.
  • Proof of any refunds received or denials of compensation, such as from your airline or other transportation provider.
  • All unused air, rail, cruise, or other tickets.
  • For claims involving medical emergencies or death, a signed patient (or next of kin) authorization to release medical information and an attending physician’s statement.
  • Claims involving other reasons also require documentation such as police reports, a copy of the jury summons, etc.

Claims can be reimbursed only for trip expenses paid in cash, credit or check (deposits and payments made in vouchers or mileage points don’t qualify for coverage). 

What’s not covered for trip cancellation or interruption? 

  • You’ve arranged travel already knowing of circumstances that could lead to the trip being disrupted or canceled.
  • A pre-existing medical condition(s).
  • A travel visa or passport that is not issued in time for your trip due to your late application, delayed processing time or a previous refusal.
  • A natural disaster or any other event that was forecast or announced before the purchase of the plan.

This is a summary only. It does not include all terms, conditions and exclusions of the plans described. Please refer to the actual plans for complete details of coverage and exclusions. If you’re not sure if something is covered, contact us. And when you're ready, you can get a quote and buy online 24/7.

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