For when you're ready to go but your plane isn't.

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For information relating to policies purchased prior to 13 July 2021, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 13 July 2021 please see below.

This content does not apply to residents of: Australia, New Zealand, Brazil, Canada, the United States, Ireland, the United Kingdom and of member countries of the European Economic Area (EEA).

You’ve made it… you’ve got your passport, baggage and are at the airport on-time and ready to head off. The only problem is your plane isn't going anywhere.

That’s where travel insurance for flight cancellation can give you a helping hand, covering some of your expenses until you can get on another flight.

How does travel insurance cover flight cancellation?

If your flight is unexpectedly cancelled through no fault of your own, then our policies offer cover for additional necessary and reasonable costs (up to the benefit limits) for:

  • Local transportation
  • Meals… Sorry – that 3 star Michelin restaurant is probably not considered necessary and reasonable.
  • Hotel accommodation (overnight stay) if required

Please be aware that before submitting a claim to us, you must claim a refund or compensation from the transportation provider first.

Am I covered for Cancellation due to Coronavirus?

While epidemics and pandemics are excluded from the Cancellation & Trip Interruption and Travel Disruption sections of our policy, there may be some benefits available to you if you purchased our Explorer Plan, which includes our Coronavirus Travel Costs section, providing you with cover for some Coronavirus-related events.  

 If you have purchased the Explorer Plan, you may have some cover for trip cancellation events which are outside of your control and caused by:

  • You or a member of your traveling party being diagnosed with COVID-19.
  • Your close relative back home being hospitalized or dying due to COVID-19.
  • You or a member of your traveling party who are permanently employed as a healthcare worker, residential care worker or law enforcement officer having pre-approved leave cancelled due to COVID-19.

 The benefit under the Explorer Plan offers travelers added coverage for up to eight scenarios, up to a combined benefit limit of USD$2,000.

Our article ‘What’s Covered for Coronavirus’ explains the benefits available if you get COVID-19 and need urgent assistance.  

Important: As our plans vary, check very carefully the level of cover you think you might need, and purchase the right level of coverage for you and your traveling companions depending on your Country of Residence and specific plans.

What’s not covered by travel insurance?

To make a claim you will need to be able to show proof of the flight cancellation from the carrier and keep all receipts, otherwise we will not be able to pay out the claim.  Other items we won’t cover include:

  • If you can claim your meals, additional expenses and accommodation and transport costs from someone else, like the carrier that was responsible for your flight
  • If you knew when you booked or bought your tickets there were circumstances that would likely result in a travel delay.
  • You refused to accept an alternative service by your transportation provider
  • The cancelled flight was due to your change of mind or disinclination to travel

Your additional expenses are not considered reasonable or are above the daily sub-limit shown in the Summary of Cover.

The policy isn’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.

Flight cancellation assistance

If your flight is cancelled, our emergency assistance team is here to help 24 hrs per day.

So that our Emergency Assistance teams can assist you quickly, please be ready with the following:

  • Your policy number
  • A contact number for where you are now
  • Your location
  • The nature of your problem

Polar vortex.

My trip from New York to Cleveland on January 3, 2014 was cancelled due to the weather (polar vortex). I had to re-schedule the flight and in doing so incurred hotel expenses.
Filipino Nomad in America.
Claim Paid: $65

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation before you leave home.

  • Explorer Plan: USD $10,000
  • Standard Plan: USD $5,000
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy deceased?
  • Close relative dropped dead?

We’ve got your back.

Emergency Overseas Medical Insurance

Take the pain out of medical costs while traveling overseas.

  • Explorer Plan: Unlimited, up to 12 months
  • Standard Plan: USD $5,000,000
Emergency Medical Insurance
  • Need drugs?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

We'll get you to hospital quickly.

  • Explorer Plan: USD $500,000
  • Standard Plan: USD $500,000
Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Cover your stolen or damaged gear and tech.

  • Explorer Plan: USD $3,500
  • Standard Plan: USD $2,500
Protect your gear
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

  • Overseas Medical & Dental Expenses
  • 24 hour Emergency Assistance
  • Emergency Medical Transport
  • Repatriation & Travel Expenses
  • Pre-Trip Cancellation
  • Trip Interruption
  • Resumption of Trip
  • Travel Delay
  • Missed connection (Explorer)
  • Hijacking (Explorer)
  • Baggage & Personal Items
  • Passport & Travel Documents
  • Personal Liability
  • Rental vehicle insurance excess (Explorer)
  • Personal accident (Explorer)
*This is a general summary for all residents except from USA, Canada, Australia, New Zealand, Europe, Brazil, China and Philippines. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?
Phone:+353 21 237 8008 or +353 21 237 8003 (calls are not toll free. You can claim your itemised call costs)

Contact the team

FAQ

Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.