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Travel Insurance for Trip Interruption

Learn how trip interruption cover can help if your plans get unexpectedly sidetracked.

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As travelers ourselves, we have experienced some of the cool surprises you can encounter on your adventures. For example, trekking through Iceland, you may get to see nature’s best light show if you are lucky enough to catch the Northern Lights.

Not all unforeseen surprises are as dazzling though. Sickness, injuries, or family emergencies are just a few of the unanticipated things that can abruptly put a halt to your fun. Because you can never predict an interruption in your travels, you may want to consider travel insurance.  

What is trip interruption Coverage?

A trip interruption is something that happens that causes you to end your trip early, or makes you unable to participate in your full planned itinerary. If you get severely injured or sick while you are traveling, or you get a call from back home and learn that an immediate family member has unexpectedly passed away, you may not be able to complete the rest of your planned trip.

World Nomads offers trip interruption coverage as a part of our adventure travel insurance policies, and it may help you get reimbursed for prepaid, non-refundable travel costs if your plans change for a covered reason.

For example, if you paid in advance for flights and hotels, but you broke your leg and can’t continue your trip, you may get reimbursed if you can’t recover those costs from the travel supplier.

Sometimes you may deal with an interruption that causes you to miss part of your trip, but you are able to rejoin it before it is over. If that happens, you may be able to recover costs for transportation arrangements that you make in order to catch-up with your trip.

If a travel companion becomes sick or hurt and you are forced to stay longer because they are unable to travel, your plan may offer coverage for additional nights in a hotel.

If you have to go home early for a covered reason, you could also be covered for transportation costs.

What does trip interruption insurance cover?

U.S. residents may have coverage for reasons such as:

  • Sickness, injury, or death of yourself, a travel partner, or a covered family member.
  • You or your travel buddy being required to work unexpectedly during your trip.
  • Weather that stops your common carrier from providing services for more than 24 consecutive hours and prevents you from getting you to your destination.
  • Natural disasters that make your home or destination accommodation uninhabitable.
  • Military reassignment or revoked leave.
  • Terrorist incidents in your departure city or a city on your trip itinerary.
  • Bankruptcy or default of a travel supplier.
  • Unexpected jury service.

What travel insurance plan should I consider?

Only you can decide what plan is best for you. World Nomads offers two options - the Standard and Explorer plan. The Explorer plan has higher limits and sub-limits of coverage, and includes more covered activities.

Maximum benefits can be found in the Schedule of Benefits in your policy wording, and are subject to any applicable sub-limits. You can get a quote to compare both plans side by side and learn more about everything that is covered. If you have questions, contact our team and they will be happy to assist.

What is the difference between trip cancellation, trip delay, and trip interruption insurance?

Trip Cancellation coverage is what kicks in if you need to cancel your trip for a covered reason, before you’ve departed for your trip.

Trip Delay coverage may help when your trip gets delayed for more than 6 hours because of a defined hazard, like an unannounced strike, a weather delay or a lost or stolen passport.

Trip Interruption coverage is when something happens in the middle of the trip and you’re unable to continue on as planned.

What else is covered by travel insurance?

In addition to trip interruption a World Nomads travel insurance policy may help with several other unexpected and unforeseen emergency situations you may encounter while you are on your trip. For U.S. residents, World Nomads may also offer coverage for:

  • Adventure Activities: World Nomads covers more than 200 activities for U.S. residents on both the Standard and Explorer plans. The Explorer plan also includes more adventurous activities such as bungee jumping and skydiving.
  • Emergency Medical Coverage: If you get sick or injured on your trip, travel medical coverage could assist with reimbursement for things like x-rays, medication, or a hospital stay.
  • Emergency Evacuation: If there aren't nearby medical facilities, the World Nomads 24/7 Emergency Assistance Team could help get you transported to a place that offers the level of care you need.
  • Baggage Insurance: If the airline loses your bag, baggage protection may help replace your belongings if it is lost by a common carrier. If your bag is delayed for more than 12 hours on the way to your destination, your coverage could help pay for things you may need until you are reunited with your bag.

What is not covered by trip interruption insurance?

If you set forth on your journey and just aren’t feeling the vibe of the destination or your travel partner, trip interruption won’t cover any costs involved with ending your trip early. Some other things that may not be covered include:

  • Pre-existing medical conditions.
  • Routine pregnancy and childbirth.
  • Participation in any military maneuver or training exercise; or acts of war.
  • Participation as an athlete in professional sports.
  • Activities not listed as covered in your policy.
  • Getting hurt if you are under the influence of drugs or alcohol.

What should you do if you need to interrupt your trip?

  • Your health and safety is our first priority. If you find yourself in an emergency situation, first contact local emergency services, then contact our 24/7 Emergency Assistance team.
  • If you are interrupting your trip for medical reasons, you will need to be seen by a doctor who can certify that you are not able to continue your trip.
  • Try to recoup prepaid, unused, nonrefundable expenses from your travel providers before filing a claim.
  • Save all documentation that could be needed for your claim. You may be asked to provide things like receipts from your transportation provider or tour operator, forms showing your medical expenses, or police reports.
  • You must advise us within 7 days if you are making a claim. You can log in to your member account online to start a claim. If you didn’t create one previously, you can still create an account.
  • It’s always a bummer when something happens and your trip gets cut short. Once you are ready, take a look at some of our team’s tips on destinations around the world and get some inspiration for your next adventure.


This is not a full list of what is and isn’t covered, so please check your policy for a full list of terms, conditions, limitations and exclusions that may apply to your specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. If you have any questions about what is and is not covered, please reach out – we’re happy to help.

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $10,000
  • Standard Plan: $2,500
Trip Protection
  • Work emergency?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Explorer Plan: $100,000
  • Standard Plan: $100,000
Emergency Medical Insurance
  • Accidentally injured?
  • Suddenly sick?
  • Need a hospital urgently?

We’ve got your back.

Emergency Evacuation

We'll provide assistance to get you to the hospital or home quickly.

  • Explorer Plan: $500,000
  • Standard Plan: $300,000
Emergency Evacuation
  • Ambulance transfers
  • Medevac flights
  • Medical escort services

Help starts here.

Protect your gear

Covers the loss, theft or damage of your bags, tech and gear.

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Stolen I.D.s
  • Checked-in sports equipment
  • Damaged luggage

Help starts here.

  • Emergency Accident & Sickness Medical Expense
  • Repatriation of Remains
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage & Personal Effects
  • Baggage Delay (outward journey only)
  • Rental Car Damage – where permissible
  • Accidental Death & Dismemberment
  • Generali Global Assistance 24-Hour Assistance Services
  • Generali Global Assistance Non-Medical Emergency Transportation Services
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, 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?

Contact Generali Global Assistance:
Telephone: +1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada

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.

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