How do I include this benefit in my travel protection plan?

The travel inconvenience benefit is included when you purchase either the Explorer or Epic travel protection plans offered by World Nomads. However, there is a time sensitive period related to this benefit and your plan must be purchased within 7 days of the date of making the first deposit toward your trip. This deposit may be the amount you spent on your hotel accommodation, plane ticket, or any other expenses related to your trip. Certain conditions and limitations apply. Benefit not available to residents of MO, MT, NY, WA.

Do I need to show proof that I was sitting on the tarmac for two hours or more?

Yes. In the event of a dispute regarding the length of the delay, information from the U.S. Department of Transportation or other similar governmental sources will be considered the final authority.

If I'm self-employed, can I still make a claim for missed work under the travel inconvenience benefit?

Yes. If your arrival at your return destination is delayed by 2 or more days due to a common carrier caused delay and you missed work because of it, you could still make a claim. You'll need proof of self-employment and a notarized statement confirming that you are required to work.

What is the "time-sensitive period?"

Purchasing the Explorer or Epic travel protection plan from World Nomads in the time sensitive period means that you've bought your plan within 7 days of the date of making the first deposit or payment towards your trip. You'll need to do that in order to be eligible for travel inconvenience benefits.

What types of situations are considered travel inconveniences?

Covered travel inconvenience events may include: ski resort closures, tarmac delays, cruise diversions, missed work due to airline delays, rental car breakdown, and others. Please note that the travel inconvenience benefit is not available for residents of Missouri, Montana, New York, and Washington. Additional terms and conditions apply.

How does the benefit help me if my rental car breaks down?

If your rental car breaks down, and causes you to arrive at least 12 hours late at your scheduled destination or return destination, you may be able to make a claim for your travel inconvenience benefits included in your travel protection plan. You'll need to show proof of the breakdown, and you will also need to show proof that you purchased your plan in the time sensitive period. If the car experiences any damage, you may have other benefits available as well. Some World Nomads plans also include travel insurance benefits for rental car damage.

What types of travel inconveniences may be covered for cruises?

Depending on the type of cruise you're going on, you may face a variety of situations. Some inconveniences you may be covered for include: Cruise Diversion: Your cruise does not stop at a scheduled port of call due to Inclement Weather, a Natural Disaster, a Terrorist Incident or a medical incident involving another passenger on the ship. River Cruise Diversion: Your river cruise is unable to sail or to complete its scheduled itinerary due to insufficient or excessive water levels in the body of water where the cruise is scheduled to sail, and the travel supplier provides only land-based alternative accommodations; proof of the river cruise diversion must be documented by the river cruise. Cruise Disablement: if you are confined for more than 24 hours on the cruise ship operating without one or more of the following essential provisions: power, food, water or restroom facilities while on a trip.

Photo © Getty Images / Fiordaliso

Travel Inconvenience

Learn how travel insurance may help US residents with unexpected travel inconveniences

Get a price

As featured in:

As featured in:

At a glance

World Nomads Travel Insurance has four travel protection plans available for US residents, with some plans that offer higher limits of coverage
The Explorer and Epic plans include an additional travel inconvenience benefit if you purchase your plan within the time-sensitive period. Please note that the travel inconvenience benefit is not available for residents of Missouri, Montana, New York, and Washington. Terms and conditions apply.
Covered ‘travel inconveniences’ may include: ski resort closures, tarmac delays, cruise diversions or disablement, missed work due to common carrier delays, rental car breakdown, bed rest, and terminal evacuation. Additional terms and conditions apply.
You may be reimbursed up to $250 for each event that qualifies as a covered travel inconvenience in your plan documents (up to maximum benefit amount as listed in your plan).

Why should I consider a travel protection plan that includes travel inconvenience benefits?
Travel Inconveniences That May Be Covered
Important to Know
Maximum Limits
What to Do if You Experience a Trip Inconvenience While You’re Traveling
FAQs

Why should I consider a travel protection plan that includes travel inconvenience benefits?

Even with thorough trip planning, there are some things you just can’t control – like the weather. 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 – especially if you planned your entire trip around that. That’s just one example, though. Many other travel inconveniences may ruin your plans.

With travel inconvenience benefits, you may be reimbursed for each unforeseen circumstance that is listed as a covered travel inconvenience in your plan documents (up to maximum benefit amount as listed in your plan). US residents have the potential of getting the travel inconvenience benefit included in the Explorer and Epic travel protection plans. In order for the travel inconvenience benefits to take effect though, you’ll need to purchase your travel protection plan 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 this travel insurance benefit within 7 days of the date of making the first deposit or payment on your trip. See plan document for full terms.

Travel Inconveniences That May Be Covered

Tarmac Delays
Ski Resort Closures Due to Lack of Snow
Cruise Diversion or Disablement
River Cruise Diversion
Rental Car Breakdown
Bed Rest
Missed Work Due to Common Carrier Delays
Terminal Evacuation

Important to Know

Travel inconvenience benefits are only available on the Explorer and Epic travel protection plans
You must purchase your plan within 7 days of the date of making the first deposit towards your trip
Only tarmac delays for 2 or more consecutive hours may be covered
For the Bed Rest travel inconvenience a licensed physician must require you to go on bed rest or quarantine for at least 24 hours in order to make a claim
Missed work may only be claimed if your return is delayed by 2 or more days due to a common carrier (airline, train, etc.) delay
The travel inconvenience benefit is not available for residents of MO, MT, NY, and WA

Maximum Limits

Explorer Plan	Epic Plan
$250 for each inconvenience, up to $500 Get a quote	$250 for each inconvenience, up to $750 Get a quote

Compare all benefits and plans

What to Do if You Experience a Trip Inconvenience While You’re Traveling

Yes, it’s frustrating, but trip inconveniences are often out of your control and unfortunately are just a part of traveling. Cruise Line International Association says that the Caribbean is the most popular cruise destination, and accounts for 43% of all cruise passengers*. That area is prone to hurricanes at certain times of the year though, and it’s entirely possible that your cruise may be diverted if there’s a named storm. If that happens to you, or you face another covered travel inconvenience, here are our tips for how to handle it like a pro.

Stay calm. Getting angry doesn’t help.
Take a look at your plan documents to make sure your travel inconvenience is covered by your plan.
If you are unsure of anything, contact us and ask.
If your travel inconvenience is covered, start gathering all of the documentation to back up your claim. You may need to show proof that you purchased your travel protection plan within 7 days of date the first trip payment is received. This could include things like your plane ticket, hotel accommodation, or even ski lift tickets. If you waited over 7 days to buy your plan, you will not be eligible for the travel inconvenience benefits.  You’ll also need to provide proof showing the cause of your travel inconvenience.
You can then make a claim

Nomad Tip: Anytime you’re traveling, 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. Hopefully your travels will go smoothly and you won’t need to use your travel inconvenience benefits. If you do though, it’s helpful to have all of that information easily accessible.

FAQ

Here are our most frequently asked questions about cover for travel inconvenience. You can also find the answers to other questions in our Help Center or you can ask the customer service team.

How do I include this benefit in my travel protection plan?
The travel inconvenience benefit is included when you purchase either the Explorer or Epic travel protection plans offered by World Nomads. However, there is a time sensitive period related to this benefit and your plan must be purchased within 7 days of the date of making the first deposit toward your trip. This deposit may be the amount you spent on your hotel accommodation, plane ticket, or any other expenses related to your trip. Certain conditions and limitations apply. Benefit not available to residents of MO, MT, NY, WA.

Do I need to show proof that I was sitting on the tarmac for two hours or more?
Yes. In the event of a dispute regarding the length of the delay, information from the U.S. Department of Transportation or other similar governmental sources will be considered the final authority.

If I’m self-employed, can I still make a claim for missed work under the travel inconvenience benefit?
Yes. If your arrival at your return destination is delayed by 2 or more days due to a common carrier caused delay and you missed work because of it, you could still make a claim. You’ll need proof of self-employment and a notarized statement confirming that you are required to work.

What is the “time-sensitive period?”
Purchasing the Explorer or Epic travel protection plan from World Nomads in the time sensitive period means that you’ve bought your plan within 7 days of the date of making the first deposit or payment towards your trip. You’ll need to do that in order to be eligible for travel inconvenience benefits.

What types of situations are considered travel inconveniences?
Covered travel inconvenience events may include: ski resort closures, tarmac delays, cruise diversions, missed work due to airline delays, rental car breakdown, and others. Please note that the travel inconvenience benefit is not available for residents of Missouri, Montana, New York, and Washington. Additional terms and conditions apply.

How does the benefit help me if my rental car breaks down?
If your rental car breaks down, and causes you to arrive at least 12 hours late at your scheduled destination or return destination, you may be able to make a claim for your travel inconvenience benefits included in your travel protection plan. You’ll need to show proof of the breakdown, and you will also need to show proof that you purchased your plan in the time sensitive period. If the car experiences any damage, you may have other benefits available as well. Some World Nomads plans also include travel insurance benefits for rental car damage.

What types of travel inconveniences may be covered for cruises?
Depending on the type of cruise you’re going on, you may face a variety of situations. Some inconveniences you may be covered for include:
- Cruise Diversion: Your cruise does not stop at a scheduled port of call due to Inclement Weather, a Natural Disaster, a Terrorist Incident or a medical incident involving another passenger on the ship
- River Cruise Diversion: Your river cruise is unable to sail or to complete its scheduled itinerary due to insufficient or excessive water levels in the body of water where the cruise is scheduled to sail, and the travel supplier provides only land-based alternative accommodations; proof of the river cruise diversion must be documented by the river cruise
- Cruise Disablement: if you are confined for more than 24 hours on the cruise ship operating without one or more of the following essential provisions: power, food, water or restroom facilities while on a trip.

20260313-5300900. *This website is not affiliated with United States Fire Insurance Company, World Nomads, or Trip Mate. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation.

Standard Plan: $2,500
Explorer Plan: $10,000
Epic Plan: $15,000
Annual Plan: $5,000

Trip Protection

Unexpectedly hospitalized?
Travel buddy unfit to travel?
Close relative suddenly dies?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

Standard Plan: $125,000
Explorer Plan: $150,000
Epic Plan: $250,000
Annual Plan: $100,000

Emergency Medical Insurance

Need meds quick?
Accidentally injured?
Suddenly sick?

We’ve got your back.

Emergency Evacuation

We'll provide assistance to get you to the hospital or home quickly.

Standard Plan: $400,000
Explorer Plan: $500,000
Epic Plan: $700,000
Annual Plan: $100,000

Emergency Evacuation

Banged up abroad?
Need a hospital urgently?
Medevac home?

Help starts here.

Protect your gear

Covers the loss, theft or damage of your bags, tech and gear.

Standard Plan: $1,000
Explorer Plan: $2,000
Epic Plan: $3,000
Annual Plan: $2,000

Protect your gear

Passport or tech stolen?
Airline lost your gear?
Bags delayed?

Help starts here.

The amounts listed represent the maximum benefit amount.

Protect your health

24/7 Emergency Assistance Help Line
Emergency Medical & Dental Expenses
Emergency Evacuations
Bedside Companion Travel
Emergency Medications

Protect Your Trip

Trip Cancellation
Optional Cancel for Any Reason (Explorer or Epic)
Trip Delay & Trip Interruption
Missed Connection (Explorer or Epic)
Rental Car Damage (Explorer, Epic or Annual)

Protect Your Stuff

Baggage Delay
Passport and Visa Loss
Lost or Stolen Bags
Personal Tech, Equipment & Gear
Baggage Return After Evacuation

Non-Insurance Services

Medical & Non-Medical 24/7 Emergency Assistance Line
Translators Available
Pre-Departure Telehealth Services
Portable Health Records
Delayed or Lost Baggage Tracking and Delivery

This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefits limits may vary depending on the plan chosen. Check the plan documents for full details.

INFORMATION YOU NEED TO KNOW

This advertisement contains highlights of the plans developed by Trip Mate, a Generali Global Assistance & Insurance Services brand, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al and non-insurance Travel Assistance Services. The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Trip Mate, a Generali Global Assistance & Insurance Services brand; we are licensed in all states; 880 SW 145th Ave, Suite 400, Pembroke Pines, FL 33027; 1-844-207-1930; assistancefees@tripmate.com. While Trip Mate markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Trip Mate and Trip Mate does not receive compensation from USF for providing the non-insurance components of the plans.