How travel insurance for Americans may assist during trip delays.
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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
You’ve been planning your trip to the Galapagos Islands (and dreaming about snorkeling with sea turtles) for months, and now your trip is finally here. You’ve checked in your gear and are ready for your flight – only to be alerted that a storm is rolling in and you won’t be able to leave until the following day.
Unfortunately, while irksome incidents such as trip delays are rarely anticipated, they can happen. And when they do, knowing you have travel insurance* in your back pocket can help get your trip back on track… and calm you down fast.
There are several events that can cause a trip delay. World Nomads covers delays of six consecutive hours or more when caused by:
Don’t forget to read your World Nomads plan, which explains in more detail the types of situations that are covered under trip delay. Also, when you get a quote, you can compare our singe-trip and annual insurance plans side by side so you can see the benefit maximums in each and decide which plan is right for you.
If the reason for your trip delay is covered, then you may be covered up to plan limits for:
If you’ve purchased an Epic or Explorer plan, there are additional benefits for missed connections. If your flight is delayed and you can’t get to the port in time to make your cruise, for example, we may pay for a flight so you can board your cruise at the next port. This also applies to flights on different carriers. If your first airline carrier is so delayed that you miss your flight on the next carrier, your missed connection benefit may help you 'catch up’ and get to your final destination. If this happens, you must first seek compensation from the airline (and keep proof of any approval or denials). Then, call the 24/7 Emergency Assistance Team for assistance on what travel insurance benefits you may be eligible for.
Be sure to keep a copy of your receipts so you can submit them with your claim. World Nomads travel insurance is excess ( secondary) insurance so if the travel delay happened on commercial transportation, you’ll need to file a claim with your carrier before asking for reimbursement under your travel insurance plan.
Check out our article on baggage delay, in case your bags also take a detour en route to your destination.
World Nomads trip delay coverage is secondary to any reimbursement provided by your airline or other transportation provider. Reach out to your airline first to ask for hotel and meal vouchers, and make sure you get documentation from your airline listing the original and revised departure times and the reason for the delay. Tip: the best time to get all the required details need to submit a claim is at the airport; ask the airline representatives to email you information about the cause of the delay.
When you submit your claim, provide the airline documentation and proof of travel, along with receipts for your out-of-pocket expenses. See our How to Make a Claim article for step-by-step instructions.
Not every incident that can cause a trip delay is going to be claimable... here are a few things that aren’t covered:
World Nomads defines a trip delay as when you are delayed for at least six consecutive hours, stopping you from getting to your destination.
A trip interruption is when something happens that prevents you from taking advantage of your full itinerary or causes you to end your trip early, such as breaking your leg during a ski trip. Keep in mind that what you are able to claim – and the maximum limits – depends on which travel insurance plan you have purchased.
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Before your trip, check the latest government advice for any travel alerts for your destination.