Trip Interruption Travel Insurance
Learn how trip interruption coverage may help Canadians if plans get unexpectedly sidetracked
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At a glance
- Protection if your trip is cut short: Trip interruption travel insurance is included in all World Nomads single trip and annual multi-trip plans for Canadian residents
- Coverage when you have to head home early: You may be reimbursed for unused, prepaid, non-refundable trip expenses, as well as additional transportation costs, if you need to interrupt your trip for an unforeseen, covered event (up to maximum limits shown in your policy documents).
- Coverage for sudden disruptions: Several unexpected situations may be covered such as sickness, natural disasters, strikes, and more
- Why should you consider travel insurance for trip interruptions?
- Covered Reasons for Trip Interruption
- Exclusions
- Trip Interruption Maximum Limits
- What should you do if you need to interrupt your trip?
- FAQs
Why should you consider travel insurance for trip interruptions?
Even perfectly planned vacations don’t always go off without a hitch, and sometimes unexpected circumstances interrupt our plans. A ‘Trip interruption’ is something that causes you to end your trip early or that makes you unable to participate in your full planned itinerary. For example, if you get severely injured or sick while travelling, 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.
With a single-trip or annual multi-trip travel insurance plan that includes trip interruption benefits, you may be reimbursed for the non-refundable, unused, prepaid money you’ve spent for things like tours, transportation, and hotel accommodations if your trip is interrupted for a covered reason. If you have an interruption that causes you to miss part of your trip, but you’re able to rejoin it later, additional transportation costs may be covered to rejoin your trip. If you need to return home early for a covered reason, you may also be eligible to be reimbursed for additional transportation costs (up to maximum limits shown in your policy documents).
Exclusions
- Injury or illness that happens while under the influence of drugs or alcohol
- Flights back to your home province if you had not purchased a return ticket prior to your policy effective date
- Trips within your home province
- Travel advisories issued before you purchased your policy
- Claims made if you didn’t notify us by the next business day after you became aware of a trip interruption
- Pre-existing medical conditions that are excluded in the policy
Excluded
- Non-emergency treatment that can wait until you return home
- Care or treatment that is payable under any other insurance plan (travel insurance is considered secondary, or excess)
- Ongoing treatment at home
- Any reckless or illegal behavior, including being under the influence of drugs or alcohol
Trip Interruption Maximum Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
| Up to $2,500 Get a quote |
Up to $10,000 Get a quote |
Up to $15,000 Get a quote |
Up to $10,000 Get a quote |
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.
- You are required to contact us by no later than the next business day after you become aware of a trip interruption.
- Log in to your member account online and start a claim. If you didn’t create one previously, you can still create an account.
- If you see that you’ll need to end your trip early, try to cancel unused portions of your trip immediately and attempt to recoup prepaid unused expenses from your travel providers.
- 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.
- It’s always a bummer when something happens and your trip gets cut short. Don’t let that stop you from booking another trip, though. Canadians took more than 43 million trips abroad in 2025, and it’s apparent that we love exploring the world. Once you are ready, check out our team’s tips on fun destinations across the globe, and get some inspiration for your next adventure.
FAQ
Here are our most frequently asked questions about cover for trip interruption. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Do all World Nomads plans include trip interruption insurance benefits?
Yes, all single trip and annual multi-trip travel insurance plans for Canadian residents include trip interruption insurance benefits. You may be reimbursed for prepaid, non-refundable expenses that you paid for in advance, but only if your situation is one of the trip interruption reasons listed in your plan wording. If you have an interruption that causes you to miss part of your trip, but you’re able to rejoin it later, additional transportation costs may be covered to rejoin your trip. If you need to return home early for a covered reason, you may also be eligible to be reimbursed for additional transportation costs (up to maximum limits shown in your policy documents). Maximum limits vary by plan, and if you have any questions, you’re welcome to contact us.
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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 arrival at a trip destination is delayed and would reimburse for expenses incurred during the delay like meals and hotels.
Trip Interruption coverage may apply when something happens in the middle of the trip and you’re unable to continue on as planned, allowing you to claim for unused, prepaid, non-refundable trip costs and additional transportation costs.
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What is the best travel insurance plan?
Only you can decide what the best travel insurance plan is for your particular needs. When you get a quote for travel insurance, you can compare the single trip and annual multi-trip plans side by side. Consider how much money you’ve spent on your trip, and review all of the plans to determine which is the best for you. If you have questions about anything, you’re welcome to contact us and we can help explain the plans.
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Do I get my money back if I need to end my trip early?
Trip interruption coverage is offered by all single and annual multi-trip plans offered by World Nomads, and you may be reimbursed for unused, prepaid, non-refundable expenses like flights, tours, and/or accommodations if your trip is interrupted for a covered reason (up to maximum benefits as shown in your policy documents). If you have an interruption that causes you to miss part of your trip, but you’re able to rejoin it later, additional transportation costs may be covered to rejoin your trip. If you need to return home early for a covered reason, you may also be eligible to be reimbursed for additional transportation costs (up to maximum limits shown in your policy documents). Maximum limits vary by plan, and if you have any questions, you’re welcome to contact us.
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Do trip interruption travel insurance benefits cover sickness?
You may be covered if one or more of the following people develops a medical condition as certified by a physician, or dies:
- You or your travel companion
- Your or your travel companion’s immediate family member
- You or your travel companion’s caregiver
- You or your travel companion’s key employee
- Your or your travel companion’s business partner
If you are staying as an overnight guest of someone and they are admitted to the hospital because of a medical emergency, or they die, you may also be covered for trip interruption benefits.
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How do I file a claim if I need to interrupt my trip?
Should something unexpected happen that causes you to interrupt your trip for a covered reason, you must notify us by no later than the next business day after you become aware of a trip interruption. You can then file a claim online. Be sure to save all your trip receipts – you’ll need to show proof of prepaid, non-refundable expenses when you submit a claim. Make sure you have documentation showing the reason for your interrupted trip as well. Depending on the reason for your interruption, you’ll need to provide required documents that may include:
- Receipts and invoices
- Proof of payment for the trip such as cancelled cheques or credit card statements
- Copies of tour operator or common carrier cancellation policies
- Itineraries
- A statement from your physician
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Insurance protection for your hard earned vacation in the event of unexpected cancellation.
- Standard Plan: $2,500
- Explorer Plan: $10,000
- Epic Plan: $15,000
- AMT Plan: $10,000
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Evacuation & Repatriation
We’ll get you to hospital or home quickly.
- Standard Plan: $250,000
- Explorer Plan: $500,000
- Epic Plan: $750,000
- Annual Plan: $500,000
Emergency Evacuation & Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Gear & Baggage Protection
Coverage for the theft, damage or delay of your bags, tech and sports gear.
- Standard Plan: $1,000
- Explorer Plan: $2,000
- Epic Plan: $5,000
- Annual Plan: $2,000
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
Protect your health
- Emergency Medical & Dental Expenses
- Emergency Evacuation and Repatriation
- Bedside Companion Travel and Subsistence
- Emergency Professional Services
- Return of Remains
- Return of Travel Companion/Dependent Children
Protect your trip
- Trip Cancellation
- Trip Interruption
- Trip Delay
- Optional Cancel for Any Reason (Explorer or Epic)
- Trip Exchange (Explorer, Epic or AMT)
- Rental Vehicle Damage (Explorer, Epic or AMT)
Protect your stuff
- Baggage and Personal Effects Theft or Damage
- Baggage and Sporting Equipment Delay
- Travel Documents Theft or Damage
- Sporting Equipment Theft or Loss by a Common Carrier
- Covered Adventure Sports listed in Policy
Assistance Services
- 24/7 Worldwide Emergency Medical Assistance
- Worldwide Travel Assistance
- Personal Security Assistance
- Adventure Traveller’s Hotline
- Bag Trak
Before your trip, check the latest government advice for any travel alerts for your destination.