Question and Answers

Travel protection is designed to cover your travel arrangements, your belongings and, most importantly, you against a variety of unforeseeable reasons that may affect you or your travel plans.

Emergencies happen when you least expect it. The World Nomads Travel Protection Plans include coverage for Trip Cancellation or Interruption, Missed Connection and Travel Delay, Medical Emergencies; Baggage (loss, damage or delay) and much more. Plus, we also offer our exclusive One Call 24-hour Traveler Assistance Service to help you with emergency situations that arise during your trip.

Many travel products are non-refundable, and the best airline and cruise deals usually come with few options if you can't actually take your trip. Last week the airline joyfully booked your flight. This week it declared bankruptcy. Last month you reserved space on a tour. A few weeks later a family member became critically ill.

Important Tip! Many people only consider their own health when deciding about travel protection. It is not uncommon for younger people to assume that because they are healthy, travel protection is not needed. But what about parents, grandparents, children, grandchildren, aunts and uncles? Remember travel protection covers you if something happens to you or to any of these people, causing you to cancel your trip.

For a variety of reasons, it is prudent to purchase travel protection when you first book your trip (i.e. make your first payment for travel arrangements).

Under the Trip Cancellation Benefit, coverage begins for events occurring the day after you have purchased a plan. For all other benefits, coverage begins when your covered trip commences.

In simple terms, a pre-existing medical condition is a sickness, injury or other medical condition for which a person receives diagnosis, treatment or advice during the 60 day period prior to your coverage effective date. Conditions controlled solely through medication, without a change in dosage, are not considered to be Pre-Existing Conditions.

If your condition is stable and controlled, and your medication remains unchanged, throughout the 180 day pre-existing period, this would not be considered a pre-existing medical condition.

The Trip Cancellation Benefit does not cover the value of the frequent flyer points. However, you are still eligible for coverage for the non-refundable tax portion, any upgrade costs and re-banking fees.

The Travel Delay benefit includes coverage for any type of common carrier delay, including terrorist acts.

Coverage is available (to the plan limit) for baggage and personal effects, passports and visas that are lost, stolen, or damaged during your covered trip. You must submit documentation from the common carrier for your loss, including all receipts for the necessary purchases made and documentation for reimbursements received and take all reasonable steps to protect, save or recover your baggage and personal effects.

The plan also provides a Baggage Delay Benefit, if while on your trip, your checked baggage is delayed by an airline to reimburse you for the purchase of necessary personal effects while on your trip.

You can cancel and return your policy within the 10-day free look period and receive a complete refund.

Yes, you should read your documents as soon as you receive them to make sure the information is accurate. The Plan Certificate explains the policy benefits, limitations, conditions and exclusions. The Purchase Confirmation/Declarations contains the maximum benefit limits for the plan purchased. These two documents form your Policy/Certificate of Insurance and should be taken with you on your trip, so you may refer to them in case of an emergency.

Please call us with all of the details and we will be happy to assist you. You may call 1-844-207-1930. We may request documentation regarding your changes.

You can contact our One Call Travel Assistance Network. Assistance coordinators are available 24/7 to help you in emergency situations. The One Call contact information is included in the Plan Certificate and on your Purchase Confirmation/Declarations.

A word or phrase is capitalized because the word or phrase is defined in the policy.

The Trip Cancellation Benefit reimburses you for your non-refundable trip deposits or payments if you must cancel your trip for a covered reason. The covered reason that causes you to cancel must occur after your effective date and prior to your scheduled departure.

The Trip Interruption Benefit reimburses you for unused land or water travel arrangements, plus additional airfare to return home or rejoin your trip when you must interrupt your travel for a covered reason.

If you would like to take your trip without your traveling companion, we will reimburse you for the occupancy upgrade charges you incur, provided your traveling companion has canceled or interrupted his or her trip for a covered reason.