Learn how travel insurance may help US residents with unexpected travel inconveniences.
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For information relating to policies purchased prior to October 2 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 2 2024, please see below.
As nomads ourselves, we love the fun and spontaneous moments that come along with travel. In Argentina, you may be excited to discover the flower shop in Buenos Aires that’s really a secret speakeasy. You could also get lucky enough to see the northern lights dancing across the sky in Norway. Some of those moments that we don’t plan for often end up being the most memorable parts of our trips.
Sometimes the unplanned moments aren’t as great though. Those are often the ones you’ll try not to remember. If you’re going skiing in Japan and then arrive at the resort to see it’s closed due to a lack of snow, you’re going to be pretty bummed.
That closure is definitely going to be an inconvenience to you - especially since you planned your whole trip around gliding down the slopes. Because of these things that can put a kink in your plans, you may want to consider getting a quote for travel insurance* that includes travel inconvenience benefits.
A travel inconvenience is an unforeseen event that happens while you’re on a trip and ruins your plans. For example, if you arrive at that ski resort in Japan and they have closed all or part of their facilities for at least 1 day because of bad weather or lack of snow, that could be considered a travel inconvenience.
US residents have the potential of getting the travel inconvenience benefit included in the Explorer and Epic travel insurance plans. In order for the travel inconvenience benefits to take effect though, you’ll need to purchase your travel insurance as soon as you start booking your trip. There is a time-sensitive period related to this benefit, and you’ll want to make sure you purchase your travel insurance within 7 days of making the first deposit or payment on your trip.
If you need to make a claim for that ski trip, you’ll have to show proof that you purchased your travel insurance plan within 7 days of the first trip expense you paid for. This could include things like your plane ticket, hotel accommodation, or even your lift tickets. If you waited over 7 days to buy travel insurance, you will not be covered for travel inconvenience benefits.
With travel inconvenience benefits, you could be reimbursed up to $250 for each circumstance that is defined as a covered travel inconvenience in your plan documents. For the Explorer plan, the maximum amount is $500. For the Epic plan, there is a $750 maximum.
We highly encourage you to keep all receipts for everything related to your trip - and make sure they show the date that you made your purchases. You’ll need that documentation if you plan to make a claim.
There are several travel inconveniences that US residents may be covered for under their World Nomads travel insurance plan. In addition to the closed ski resort, some other examples of covered travel inconveniences include:
We encourage you to read through your plan wording for specific information related to each of the covered travel inconveniences. If there’s anything you don’t understand, contact us anytime, and we’ll be happy to help.
The included travel inconvenience benefit covers a multitude of different reasons why you may be inconvenienced during your trip, but it doesn’t cover everything.
While bed rest due to sickness could be covered, you won’t be covered if you willingly take a day to lay around in bed and take it easy because you’re tired. We get it - we’ve been the ones that booked back to back adventures and ended up exhausted. After hiking for days in Costa Rica, you may decide you’re too tired to get up the next morning and go rafting. If you’re just voluntarily taking a day in bed to chill out, you won’t be able to claim that bed rest as a travel inconvenience.
Some reasons you wouldn’t be covered include:
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire
I arrived in Delhi from Rome. Baggage claim help desk informed me that my bag had been delayed in transit. I was without my bag for almost a week before it was finally delivered to me. It was cold in Delhi (being winter, December) and my warm jacket was in my bag, requiring that I purchase a jacket and other items of warm clothing that I had not taken in my carry-on.
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