23. What if my travel provider goes bankrupt. Am I covered?
There are some provisions under our plans that protect you when your travel provider – a tour operator, hotel, or airline for example – goes bankrupt or stops operating for financial reasons. As a condition for coverage, the bankruptcy must have happened more than 14 days after you purchased your policy. For airline bankruptcies or default, coverage is limited to the change fee if alternative flights to your destination are available through other carriers.
24. If I end my trip early, can I get a refund on my policy?
Unfortunately, no. If you unexpectedly end your trip early, you won’t be able to get a refund for the remaining days of your policy.
25. My travel plans changed because COVID-19 has impacted my work. Am I covered?
That depends on what your situation is.
If you're required to work: If your employer has canceled your vacation days or you need to return early from your travels because your presence is required at work, you can make a claim for trip cancellation or trip interruption expenses. You’ll need a notarized statement from your employer. Another requirement for coverage: your company must have a minimum of 25 full-time employees.
If you become unemployed: Losing your job is not a condition covered under the plan.
26. Can I cancel my trip because of COVID-19?
When it comes to COVID-19-related matters, World Nomads provides trip cancellation benefits when you, a travel companion or close family member contract the virus or get ordered to go under strict quarantine by a physician or the government before you leave for your trip. World Nomads’ trip cancellation coverage protects you for a number of other risks, which you can read about in our Help Center article.
You can’t cancel your trip and get coverage for the following reasons:
• Travel bans or border closures – when a government restricts the movement of residents or entry to tourists
• Fear of travel because of the uncertainty of the situation or because things are getting worse
• Cancellation of flights, tours, cruises, hotels or travel from other providers
• Voluntary quarantines or stay-at-home or shelter-in-place orders that do not require strict isolation
• Cancellation of events such as weddings, festivals or conferences because of COVID-19
Contact your travel providers to see what their cancellation policies are and if they could offer you alternative options should COVID-19 disrupts your plans. If you don’t end up traveling, you can request a refund of your unused travel insurance policy or change the dates for a future trip.
27. Can I extend my policy?
Yes, you can extend your travel insurance coverage if you’re traveling longer than expected. Whether you purchased as a guest or as a member, the process is the same.
Before your trip: If you’re within the “free look” period, you can “lengthen” your travel insurance policy by either canceling your plan and purchasing a new plan with different dates or purchasing an additional plan for the extra dates. If you’re outside the “free look” period, contact us, and we can advise you of your options.
During your trip: Purchase a new policy for your desired dates either in your membership or as a guest. There’s a waiting period of 24 hours before your coverage goes into effect, which is why we recommend purchasing at least two days before your original policy expires. That way, you won’t have any days where you are not protected under the plan. Contact us for any specific questions on your case.
28. I canceled my trip and no longer need my travel insurance policy. What are my options?
Travelers who no longer need their travel insurance have a couple of options:
Using your policy for a future trip: If your new trip is to the same destination and the same number of days as your original trip, then we can change the dates of the original policy so that your coverage applies to your rescheduled trip. If you don’t yet know your new dates, you can send us an initial request and a follow-up email when you do have them, provided that you’re planning to travel within 365 days from the date our customer service representative replies to your initial request.
A refund: If you’re not planning on traveling anytime soon, or if you’re rescheduling your trip but it differs from your original trip in destination or length, and/or if you’re traveling more than 365 days from the current date, then you should cancel your policy for a refund (you can purchase a new travel insurance policy for any new trips, should you need one.)
To qualify for a refund, you must not have started your trip or made any claims, and your trip costs must have been refunded in their entirety by your travel suppliers without any cancellation penalties.
Whatever your case is, send us an email at [email protected]. We’ll review your request and get back to you as soon as possible.
If you’ve already started your trip but had to end it early, unfortunately, you won’t be able to get a refund for the remaining days of your policy.