Coronavirus (COVID-19) and World Nomads Travel Insurance Coverage

For Australian residents, as advised in our travel alert, unfortunately, we can no longer cover any claims arising from any event related to coronavirus (COVID-19) for travel to and/or from China for policies purchased after 5pm AEDT on 23 January 2020 or from all other destinations for policies purchased after 6am AEDT on Friday, 31 January 2020. These dates are considered a cut off date for coverage.

For more information, we’ve answered the top questions about coronavirus (COVID-19) and the impact on World Nomads travel insurance coverage.

Your coronavirus (COVID-19) questions answered:

Your coronavirus (COVID-19) questions answered (published 27 March 2020):

Due to coronavirus (COVID-19), and the travel restrictions imposed by a number of governments across the world, World Nomads has temporarily ceased issuing new policies for travel insurance. This change is effective close of business on Wednesday 1 April 2020. 

We will continue to monitor the situation closely and will advise travellers once we resume issuing new travel insurance policies.

We apologise for any inconvenience this causes and understand you will have questions about what this means for your individual circumstances. You may already find the answers to common questions in our FAQs, and we will continue to update these as soon as possible.

Due to coronavirus (COVID-19), and the travel restrictions imposed by a number of governments across the world, World Nomads has temporarily ceased issuing new travel insurance policies. Travel policies for World Nomads USA, Canada and Brazil only remain available for sale.

This change is effective from close of business on Wednesday 1 April 2020. We will continue to monitor the situation closely and will advise travellers once we resume issuing new travel insurance policies.

We apologise for any inconvenience this causes and understand you will have questions about what this means for your individual circumstances. We are working on a set of answers and scenarios which we will add to our FAQ pages shortly.

If you are a member, you can change your policy start date through your membership to a date in the future and get instant confirmation. If you’re not a member, you can contact us and we will help you change the dates. There are limits on how far from your original purchase date you can move your policy start date.

Please be aware we are experiencing high volumes of calls so there may be longer than usual wait times.

Due to coronavirus (COVID-19), and the travel restrictions imposed by a number of governments across the world, World Nomads has temporarily ceased issuing new travel insurance policies.

This change is effective from close of business on Wednesday 1 April 2020 and only applies to new international policies. We will continue to monitor the situation closely and will advise travellers once we resume issuing new travel insurance policies.

We apologise for any inconvenience this causes and understand you will have questions about what this means for your individual circumstances. We are working on a set of answers and scenarios which we will add to our FAQ pages shortly.  

You can also sign up for the World Nomads traveller newsletter where we keep our travellers in touch with the latest travel news.

This does not change the terms of your policy and you can still extend if you meet the eligibility criteria. Please note your cover may be affected if you alter your policy. As advised in our prior travel alerts we will not provide you with cover for any loss or event related to the coronavirus (COVID-19), all Do Not Travel bans or government restrictions or recommendations. Loss related to these events ceased to be covered from the date they became known events. Please consider your PDS or policy wording to understand the impact before you alter your policy. If you’re not eligible for an extension and wish to continue travelling, be aware you may not be able to purchase any more cover with us.

No. Your current policy is still valid under the terms and conditions of the plan you have purchased. Our decision to stop issuing new policies for travel does not change the terms of your existing policy.

If you’re not eligible for an extension we may not be able to extend your policy, please contact us to discuss your options.

At this stage, we can't say with certainty when we will be able to start selling international travel insurance again. Our first priority is making sure our existing customers are safe and assisting them in these difficult times. We will continue to monitor the government warnings. You can also sign up for the World Nomads traveller newsletter where we keep our travellers in touch with the latest travel news.

If you are a member with World Nomads, you can extend your policy start date via your membership and get instant confirmation. If you’re not a member, you can contact us and we will help you change the dates. There are limits on how far in advance you can move your policy – our service team can advise or check your policy for more information.

Please be aware we are experiencing high volumes of calls so there may be longer than usual wait times.

All our policies are subject to a period within which you may cancel your policy without any penalty (known variously as the cooling-off period, right to examine or Satisfaction Guarantee). Check your policy wording for details on what this period is.

How does this period work?
If you request to cancel your policy with World Nomads within this period, we will refund your premium as long as you aren’t using your policy in any way. This means that:

  • the departure date hasn’t started;
  • you have not yet left home or started your trip (and if you purchase your policy while already overseas, to start the same day, we consider that you have started your trip)
  • you have not and will not make any claim; and
  • you will not exercise any right/s under the policy.
How do I cancel my policy during this period?

If you are eligible to cancel your policy during this period, you can cancel it by:

  • For members – logging into your membership and cancelling online (where available)
  • For guests (and members) – contacting us.

Will you refund my policy?

If you're unable to travel due to coronavirus (COVID-19) and the related travel restrictions, you can request a refund using this online form, and we will ask our underwriting team to review your request. We have received a high volume of inquires, so we will be in touch as soon as possible with the outcome of this review.

Refunds, once approved, take up to 10 business days to appear in your bank account.

If you’re on your trip and your holiday or tour has been cancelled, and you need to get home, there are a number of things you can do:

  1. Speak to your agent, airline, cruise line or tour operator to see if they can help rearrange your tickets. Many operators are offering refunds, and vouchers, without charging fees, to help travellers get home or where they need to be, as flights are cancelled and travel bans are imposed. 
  2. Many governments, including Australia, New Zealand, UK and Ireland, have placed Do Not Travel warnings on many, and in some cases, all destinations and we expect to see more in the coming weeks. We recommend you check your government’s travel advisory website.  In addition, there may be Do Not Travel warnings to certain regions.  While there are many bans and restrictions being imposed between countries, most are allowing their own citizens to come home, although you may be subject to quarantine measures when you do arrive home.
  3. This is a rapidly changing situation and governments may change their travel advice and bans at a moment’s notice. Make sure you stay informed about what is happening and follow the advice of local authorities.

Can I claim my additional expenses?
Whether or not your additional expenses are covered under your policy depends on the plan you purchased, when you bought your policy or extended it, and when you made your bookings. As advised in our prior travel alerts we will not provide you with cover for any loss or event related to the coronavirus (COVID-19), all Do Not Travel bans or government restrictions or recommendations. Loss related to these events ceased to be covered from the date they became known events. Please consider your PDS or policy wording for full details of what events are insured under your travel insurance policy as this will depend on the plan you’ve purchased, when you bought your policy,  and your individual circumstances.

You can continue to submit a claim as per the terms and conditions of your policy. We recommend you keep your receipts to support any claim you make, and try to minimise your expenses as much as possible. As there’s a lot of concern over coronavirus (COVID-19) we are experiencing high volumes of inquiries, so if you have any claims-related questions it’s best to contact us, and we’ll get back to you as soon as we can.

How can you help?
Our 24/7 Emergency Assistance team members are available to help get you in touch with local authorities, direct you to embassies and keep you updated on the situation.  We have a number of Frequently Asked Questions (FAQs) about how coronavirus (COVID-19) may impact your travel plans.

Many people are unsure whether they should continue their holiday plans or cancel and return home. We can’t advise what’s best for you, but we do suggest you stay informed about what is happening in regards to coronavirus (COVID-19) in your local region and where you’re planning to travel to.

If you haven’t already, it’s a good idea to:

  1. Speak to your airline or travel operator to confirm your travel arrangements have not been disrupted.
  2. Check your government’s travel advisory website and that there are no warnings, bans or quarantine requirements in place for where you’re planning to travel to. Be aware these are updated regularly and changing very quickly at the moment, so check back daily to stay abreast of any changes.
  3. Make sure you stay informed about what is happening by watching and listening to local and international media, and follow local authorities’ advice and directions.

As advised in our prior travel alerts we will not provide you with cover for any loss or event related to the coronavirus (COVID-19), all Do Not Travel bans or government restrictions or recommendations. Loss related to these events ceased to be covered from the date they became known events. Please consider your PDS or policy wording for full details of what events are insured under your travel insurance policy before you choose to stay where you are as this decision may also affect or limit cover for insured events to the extent your loss is exacerbated by them.

I’m experiencing a medical emergency and need help.

If you’re experiencing a medical emergency and need medical help, contact our 24/7 Emergency Assistance team who can help direct you to or help you obtain medical help, and if medically necessary they can work with local authorities to repatriate you home, subject to the terms and conditions of your policy.

If you’re on your trip and your destination has been declared a Do Not Travel area, then you need to decide whether to continue to that destination or not. A Do Not Travel warning is issued following very careful consideration by the respective government, and travelling against such warnings will affect any cover that may be available under your policy. 

If you decide to cancel and return home you should:

  1. Speak to your airline or travel operator to see if they can help rearrange your flights. Airlines are working to help many of their travellers get home or where they need to be, as flights are cancelled and travel bans imposed. 
  2. Many governments including Australia, New Zealand, UK and Ireland have placed Do Not Travel warnings on many, and in some cases all destinations and we expect to see more in the coming weeks. We recommend you check your government’s travel advisory website. In addition, there may be Do Not Travel warnings to certain regions.  While there are many bans and restrictions being imposed between countries, most are allowing their own citizens to come home, although you may be subject to quarantine measures when you arrive home.
  3. If you’re trying to travel to another destination, check that there are no bans in place before you make any travel bookings.
  4. This is a rapidly changing situation and governments may change their travel advice and warnings at a moment’s notice. Make sure you stay informed about what is happening and follow local authorities’ advice and directions.

Can I claim my additional expenses?

Whether or not your additional expenses are covered under your policy depends on the plan you purchased, when you bought your policy or extended it, and when you made your bookings. As advised in our prior travel alerts we will not provide you with cover for any loss or event related to the coronavirus (COVID-19), all Do Not Travel bans or government restrictions or recommendations. Loss related to these events ceased to be covered from the date they became known events. Please consider your PDS or policy wording for full details of what events are insured under your travel insurance policy before you choose to stay where you are as this decision may also affect or limit cover for insured events to the extent your loss is exacerbated by them. You can continue to submit a claim as per the terms and conditions of your policy. We recommend you keep your receipts to support any claim you make, and try to minimise your expenses as much as possible. 

Please note, as there’s a lot of concern over coronavirus (COVID-19), we are experiencing high volumes of inquiries, so if you have any claims-related questions it’s best to contact us and we’ll get back to you as soon as we can.

If it’s urgent please contact us

If you decide to go anyway:

Many of our policies have General Exclusions around travel to destinations with government warnings.  You’ll need to check your policy and your home country’s government travel warnings (or the warning of the government department noted in your policy, if different to your home country) to better understand how these may affect you and your travel insurance coverage in these regions.

If your policy has an exclusion for travel to a country or region where the government has issued a Do Not Travel warning, and you choose to travel there, no cover is available in any event under any section of your policy.

Some governments have imposed quarantines in relation to coronavirus (COVID-19) which may affect some travellers’ plans. As advised in our prior travel alerts we will not provide you with cover for any loss or event related to the coronavirus (COVID-19), all Do Not Travel bans or government restrictions or recommendations. Loss related to these events ceased to be covered from the date they became known events. Please consider your PDS or policy wording for full details of what events are insured under your travel insurance policy as this will depend on the plan you’ve purchased, when you bought your policy, whether you’re ill or not and your individual circumstances.

What do I do if I’m quarantined?

  1. If quarantined, follow the direction of the local authorities and contact us as soon as possible for assistance. If you become ill while quarantined, seek medical assistance and contact our 24/7 Emergency Assistance Team when possible.
  2. You should speak to your airline or travel operator to see if they can help rearrange your flights. Airlines are working to help many of their travellers get home or where they need to be, as flights are cancelled and travel bans imposed.

Can I claim any additional expenses I incur because I’m quarantined?

As advised in our prior travel alerts, we will not provide you with cover for any loss or event related to the coronavirus (COVID-19), all Do Not Travel bans or government restrictions or recommendations. Loss related to these events ceased to be covered from the date they became known events. Please consider your PDS or policy wording for full details of what events are insured under your travel insurance policy as this will depend on the plan you’ve purchased, when you bought your policy, and your individual circumstances.

If you’re are continuing your journey, make sure you are able to enter your intended destination as there may be additional entry requirements. This may also apply to any countries you are required to transit through, so please ensure you check all destinations or transit locations. Check whether your intended destination has any quarantine or self-isolation requirements and if all services are available. Find out if you are you still able to access your accommodation and buy food.

As advised in our prior travel alerts, we will not provide you with cover for any loss or event related to the coronavirus (COVID-19), all Do Not Travel bans or government restrictions or recommendations. Loss related to these events ceased to be covered from the date they became known events. Please consider your PDS or policy wording for full details of what events are insured under your travel insurance policy before you choose to continue your journey or choose to travel as this decision may also affect or limit cover for insured events.

Contact your airline 72 hours before your flight. Check if it has any special requirements you will need to meet prior to travel. Some airlines may require a medical clearance or confirmation that you are a resident or citizen of the county you are intending to enter or transit through.

If you need to access a health care provider for any illness or injury, you may be required to undergo a coronavirus (COVID-19) test. These tests may be expensive and if you are asymptomatic (you don’t have any symptoms), it may be difficult to obtain a test. The nib Assist team will be able to direct you to an appropriate provider in your area.

Register your travel with the appropriate authority, (eg. Smartraveller) or contact your country’s consulate to update them on where you are and if you need assistance. It may be able to provide advice on closed borders and any quarantine laws that may apply.

Remember at this time, the health care systems of all countries are being inundated and services may be limited or have additional access requirements. If you are needing to access treatment or medical services, we recommended calling ahead to the provider to understand any requirements or contacting nib Assist for direction to the most appropriate facility in your destination.

Your coronavirus (COVID-19) questions answered (published 14 March 2020):

Emergency overseas medical expenses

If you bought a policy before 5pm AEDT 23 January 2020 for trips to/from China or 6am AEDT 31 January 2020 for other destinations, and you catch coronavirus (COVID-19) while overseas, you may be covered for emergency medical expenses, provided you:

  • were not in a Do Not Travel region at the time; and
  • bought your policy before any symptoms appeared or you received treatment; and
  • purchased your policy before it was first publicised that coronavirus (COVID-19) was a contagious disease or possible epidemic.

However, if you bought a policy after 5pm AEDT 23 January 2020 for trips to/from China, or 6am AEDT 31 January 2020 for other destinations, and contract the virus while travelling, you are not covered for medical expenses.

Trip cancellation & interruption expenses

If you bought a policy before 5pm AEDT 23 January 2020 for trips to/from China or 6am AEDT 31 January 2020 for other destinations, and if you contract coronavirus (COVID-19) and you’re considered medically unfit to travel and you have no option but to cancel or defer your trip, there may be cover to do so as long as you were following all locally advised precautions, restrictions and laws, and were not in a region classified under a government Do Not Travel warning.

You may also be covered if coronavirus (COVID-19) causes you to cancel or interrupt your trip due to:

  • The sudden death or sudden illness of your close relative requiring hospitalisation;
  • The sudden death, sudden illness or serious injury of a member of your travelling party;
  • Your business partner or a person in the same job as you and you're required to end your trip early to return to work; or
  • The Australian Government or other official authority has issued a 'Do Not Travel' warning to a specific region or country and that warning was first given after you purchased the policy and after you booked the arrangements.

However, if you bought a policy after 5pm AEDT 23 January 2020 for trips to/from China, or 6am AEDT 31 January 2020 for other destinations, there is no cover for any cancellation or trip rearrangement arising from the outbreak now that COVID-19 is a known event. After these dates, this virus is a well-known and publicised event and any disruption to your itinerary caused by COVID-19 is not considered sudden, unforeseen, unavoidable or outside of your control, which is an important condition of coverage under the Australian resident policy.

If there isn’t a ‘Do Not Travel’ government warning, and you make the decision to change or cancel your trip, this may be considered a simple change of mind, which is a General Exclusion on many World Nomads plans. This is why you should first talk to your travel provider to see if they will change or refund your trip.

Other benefits

The COVID-19 outbreak should not impact other benefits under your policy, however the general exclusions, and cover cut off, do apply to all sections of the policy wording.

Important information

Most importantly, you must follow official government warnings and stay informed with Smartraveller in Australia. Particularly for people with underlying health conditions, they should be mindful of advice given by the Department of Health as well.

As always, cover is subject to the terms, conditions, limitations and exclusions of the policy. For example, all Australian resident policies include exclusions for pre-existing medical conditions, change of mind, disinclination or reluctance to travel and others, so please read your policy carefully.

If you purchased your policy before 5:00 pm AEDT 23 January 2020 for trips to/from China or 6.00am AEDT 31 January 2020 for other destinations, and have contracted COVID-19 before you leave Australia, you may be covered for cancelling or rearranging your trip, if your doctor declares that you’re unfit to travel.

If you bought a policy after 5:00 pm AEDT 23 January 2020 for trips to/from China or 6.00am AEDT 31 January 2020 for other destinations, there is no cover for any cancellation or trip rearrangement arising from the outbreak, now that COVID-19 is a known event. After these dates, this virus is a well-known and publicised event and any disruption to your itinerary caused by COVID-19 is not considered sudden, unforeseen, unavoidable or outside of your control, which is an important condition of coverage under the Australian resident policy.

If you have to cancel your trip, contact your providers, and see if you are able to obtain a refund for your arrangements before you make a claim on your policy.

Along with other terms, the policy includes an exclusion for a change of mind, disinclination or reluctance to travel and costs associated with pre-existing medical conditions, so please read your policy carefully.

It depends on when you purchased your policy, and when/where you catch it.

If you have not yet purchased a policy or purchased a policy or purchased a policy after 5:00 pm AEDT 23 January 2020 for trips to/from China, or 6.00am AEDT 31 January 2020 for other destinations, there is no coverage for Australian residents for Trip Cancellations related to COVID-19.

If you bought a policy before 5:00 pm AEDT 23 January 2020 for trips to/from China, or 6.00am AEDT 31 January 2020 for other destinations, if you catch COVID-19 while overseas and your doctor confirms you are medically unfit to travel, you may be covered for emergency medical expenses and related cancellation expenses, provided you were not in a ‘Do Not Travel’ region at the time and bought your policy before any symptoms appeared, the cut-off dates were publicised or you received treatment. If you bought your policy when you were already travelling, a 72 hour waiting period applies to your policy.

Remember that any impact related to you being quarantined as a precaution (as opposed to actually being diagnosed) may not be covered, as the policy does have a General Exclusion regarding prohibition by or regulation of or intervention of any government.

However, if you travel to a declared 'Do Not Travel' region anyway and contract the virus, you may not be covered. As soon as possible, contact any airlines or other organisation you have pre-booked with, and discuss refunds or rearrangement.

If you bought a policy before 5:00 pm AEDT 23 January 2020 for trips to/from China, or 6.00am AEDT 31 January 2020 for other destinations, and before you leave Australia:

If you’re unfortunate enough to be told by your doctor that you have contracted COVID-19 before you even leave on your trip while at home in Australia, there may be cover when cancelling your pre-booked, non-refundable arrangements, assuming you’re confirmed as unfit to travel by a registered medical practitioner, and as long as you purchased the policy before the publicised cut off date.

This benefit is not impacted by the imposed cut-off dates when it was first publicised that COVID-19 was a contagious disease or possible epidemic, as contracting the virus while in Australia would be considered as sudden, unforeseen, unavoidable and outside your control, unless you are failing to take appropriate precautions (e.g. sustained contact with individuals known to be diagnosed with COVID-19)

Important information

If you have to cancel your trip, contact the providers that you have booked through, and see if you are able to obtain a refund for your arrangements before you make a claim on your policy.

If you were experiencing any symptoms at all prior to purchase, then the COVID-19 would be considered a pre-existing medical condition, and the relevant exclusion would apply.

Along with other terms, the policy includes an exclusion for a change of mind, disinclination or reluctance to travel, so please read your policy carefully for full details.

Follow the local advice and check the Smartraveller website. In some cases, contacting the nearest Australian embassy or DFAT may be required, especially if there are likely to be quarantine restrictions placed on you when you return.

Contact your airline as well – they may be making special arrangements to return travellers to their home destination. Alternately, depending on their country of origin, they may be cancelling flights, in which case you need to know ASAP so you can make alternate arrangements.

Importantly, before you buy new flights or incur the expense to change your existing flights, check the terms, conditions, limitations and exclusions of your policy and read our recent articles on COVID-19.

If you purchased your policy before 5:00pm AEDT 23 January 2020 for trips to/from China or 6.00am AEDT 31 January 2020 for other destinations, and have contracted COVID-19 before leaving home in Australia, you may be covered for cancelling or rearranging, if your doctor declares that you’re unfit to travel.

However, if you are healthy but your doctor has advised you not to travel due to increased risks, the policy would not cover you, unless the region you are travelling to has been declared 'Do Not Travel' by the Australian government after you purchased your policy.

If you have to cancel or rearrange your trip, contact the providers to see if you are able to obtain a refund or if they will waive the costs to make changes.

All Australian resident policies include exclusions for pre-existing medical conditions, change of mind, disinclination or reluctance to travel and others, so please read your policy carefully.

If you purchased your policy after 5:00pm AEDT 23 January 2020 for trips to/from China or 6.00am AEDT 31 January 2020 for other destinations, and have contracted COVID-19 before leaving home in Australia, there is no cover for cancelling or rearranging, even if your doctor advises you’re unfit to travel.

If you bought your policy prior to your destination being declared 'Do Not Travel' or our publicised cut-off dates for coverage, then you may be covered for cancellation or rearrangement, subject to the terms, conditions, limitations and exclusions of the policy.

As always, cover is subject to the terms, conditions, limitations and exclusions of the policy, so please read your policy carefully.

Now that you’re aware of COVID-19, unfortunately, you will not be covered for claims resulting from COVID-19, regardless of whether the need to change arises from a government restriction or transport provider.

Unfortunately, we can no longer cover any claims arising from any event related to coronavirus for travel to and/or from China for policies purchased after 5:00pm AEDT on 23 January 2020 or from all other destinations for policies purchased after 6.00am AEDT on Friday, 31 January 2020.

Cover is available for other expenses and events not related to COVID-19, subject to the terms, conditions, limitations and exclusions of the policy. The policy wording contains full details.

There is no cover for any cancellation or trip rearrangement arising from the outbreak, now that COVID-19 is a known event, from 5:00pm AEDT 23 January 2020 for trips to/from China or for any policies purchased after 6.00am AEDT 31 January 2020 for other destinations.

While we no longer cover any claims relating to COVID-19, cover is available for other expenses and events not related to COVID-19, subject to the terms, conditions, limitations and exclusions of the policy. The policy wording contains full details.

Unfortunately, travel insurance isn’t designed to cover everything. It is intended to cover unexpected things that may happen to you which are unrelated to COVID-19. You may be in an accident or your gear is stolen, so your policy isn’t invalidated just because we’re unable to provide cover for this outbreak.

If you’re concerned about COVID-19, it’s best to speak to your travel provider to see what they can do to help you.  In many cases, they are offering refunds, credits or reticketing. We’ve also collated some easy steps to follow if your trip is impacted by COVID-19

Concerned about catching COVID-19?

If you’re currently overseas, the best thing you can do is follow local advice. The World Health Organization (WHO) advises to regularly washing your hands with soap and water and avoid contact with people who may have come into contact with the virus. If you have visited one of the areas where the outbreak has occurred, you should also follow any quarantine measures suggested by local authorities or the WHO to protect your local community.

If you have an underlying respiratory condition (asthma, emphysema, etc.) or are immune compromised, you should probably try to self-isolate as much as practically possible. Note that this information should not be considered medical advice – nor should Dr Google! Stay up to date with local health advisory warnings, and reputable sources such as WHO, Smartraveller and the Australian Department of Health.

Need more help?

If overseas, you can also consider making contact with the Department of Foreign Affairs and Trade (DFAT). While they rarely offer financial assistance, they may be able to provide helpful advice regarding your individual situation.

Your risk of catching COVID-19 can be minimised by following the advice of local health authorities and your government health advisory. The World Health Organization also regularly updates its advice on how to protect yourself.

If you begin to feel unwell, you can make contact with our Emergency Assistance team, who are available 24/7. They can help direct you to appropriate care.

Also, travel insurance is designed to cover other unexpected illnesses that are unrelated to COVID-19 and accidents while travelling overseas, plus other benefits depending on the policy you buy. Your policy has full details, so please read it carefully.

First and foremost, seek treatment. If you’re not sure where to go, contact our Emergency Assistance team, who can direct you to appropriate care. They’re available 24/7 and can give you all the advice you need about how to get from wherever you are to a decent hospital.

If you have purchased your policy after the relevant cut off-time, cover will not be available for claims arising from the SARS-CoV-2 virus or resulting disease COVID-19. Coverage for any expenses may be impacted, so please read the other FAQs carefully to understand this, which is based on when you purchased your policy.

Remember to follow the World Health Organization (WHO) advice regarding health. Reduce your contact with other people as much as possible, wear a mask to prevent spreading the infection and wash your hands thoroughly and regularly.  

You can understand the coverage by reading these articles:

All our policies are subject to a period within which you may cancel your policy without any penalty (the cooling-off period). Check your policy wording for details on what this period is.

How does this period work?

If you request to cancel your policy with World Nomads within this period, we will refund your premium as long as you aren’t using your policy in any way. This means that:

  • the departure date hasn’t started;
  • you have not yet left home or started your trip (and if you purchase your policy while already overseas, to start the same day, we consider that you have started your trip);
  • you will not make any claim; and
  • you will not exercise any right under the policy.

How do I cancel my policy during this period?

If you are eligible to cancel your policy during this period, you can cancel it by:

Outside of this period, if you’re not sure what you want to do, as time is of the essence, please contact us and we can help further explain the options available to you.


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