The World Nomads website is temporarily unavailable while we complete system changes as part of the global sale of World Nomads to its new owner, IMG. IMG is working hard behind the scenes to reflect the change in ownership and ensure a smooth transition. Our technical teams are implementing these changes to ensure a seamless customer experience and expect the website to be available again within approximately 2 hours.

Thank you for your patience while we complete this work.

Rest assured, your insurance benefits, coverage, and plan terms will not change as a result of this transaction. Your existing claims, customer service inquiries, and plan servicing will continue without interruption.

If you require urgent assistance while our website is unavailable, our Emergency Assistance team is available 24/7. For all other enquiries, please contact our Customer Service team in your location here.

What is the travel insurance policy excess/deductible?

Your policy has an excess. As we’ve recently changed our insurer, please select the date you bought your policy for more information on the excess applicable to you:

Policies purchased on or after 1 Nov 2018 (GMT)

Policies purchased before 1 Nov 2018 (GMT)

For policies purchased on or after 1 Nov 2018:

Your policy has an excess. The excess is deducted in the event of a claim or you may have to pay the excess before a claim is payable to you. Sorry, it's not possible to buy out the excess.

Here are some of the main policy benefits and the relevant excess applied to each of these benefits (there are 8 Sections in total so for more information, see the policy wording)

For Ireland residents, the excess is applicable for each insured person making a claim, per insured event:

Section 1 Emergency Medical & Dental Expenses Overseas: €125 (€625 in respect of medical evacuation services within Nepal)
Section 2 Cancellation, Curtailment & Trip Resumption: €125
Section 3 Trip Interruption: €125
Section 4 Your Belongings: €125
Section 5 Rental Car Excess: not applicable
Section 6 Personal Accident: not applicable
Section 7 Personal Liability: €125
Section 8 Adventure, Work, Study & Volunteer: €125

Note: For policies purchased after 1 August 2019, your World Nomads policy is backed by XL Insurance Company SE. For policies purchased between 1 November 2018 and 16 January 2019, your World Nomads policy is backed by certain underwriters at Lloyd’s. For policies purchased between 17 Jan 2019 and 31 July 2019, your World Nomads policy is backed by Lloyd’s Insurance Company SA.

For policies purchased before 1 Nov 2018:

Your policy has an excess.The excess is deducted in the event of a claim or you may have to pay the excess. Sorry, it's not possible to buy out the policy excess.

Here are the main policy benefits and the relevant excess applied to each of these benefits(there are 19 Sections in total so for more information, see the policy wording).

The excess is applicable for each person making a claim, per policy section,to a maximum of 2 excesses being charged per insured incident.

Section 1 Cancellation: €90 (€25 in respect of loss of deposit only claims)
Section 2 Curtailment: €90
Section 3 Trip Interruption: €90
Section 4 Emergency Medical Expenses: €125
Section 5 Hospital Benefit: not applicable
Section 6 Personal Accident: not applicable
Section 7 Baggage & Personal Belongings: €90
Section 8 Money: €90
Section 9 Loss of Passport / Travel Documents: No excess applicable
Section 10 Travel Delay & Abandonment: €90
Section 11 Missed Departure: €90

Note: For policies purchased before 1 Nov 2018, your World Nomads policy is backed by Millstream.

Last updated: Jun 16, 2022 04:25 AM

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What is the travel insurance policy excess/deductible?

For policies purchased on or after 1 Nov 2018:

For policies purchased before 1 Nov 2018:

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