Travel insurance: delayed and missed flights

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As we've recently changed our insurer, please select the date you bought your policy:

Policies purchased on or after 2 December 2018 (GMT)
Policies purchased before 2 December 2018 (GMT)


 

For policies purchased on or after 2 December 2018

Transport cancelled, delayed for 12 hours or more, you can’t board because it’s overbooked, or it’s redirected after departure? Your World Nomads travel insurance plan can contribute to the cost of some essential items you’ve needed to buy to tide you over.

What’s covered for delayed transport?

If the common carrier, such as the airline, doesn’t provide alternative transport and accommodation, and if you end up continuing your trip, we can cover:

  • Expenses from the period of delay, such as reasonable telephone calls, internet access and meals and refreshments. What’s reasonable? The grub to keep you going: yes. Extended international calls and/or Michelin-star cocktail menu: no.

  • Reasonable additional accommodation and transport expenses.

  • The cost of local transfers needed to get to the destination or return home. 

What about missed connections?

If you’ve chosen the Explorer Plan, you may be covered if you miss your connecting transport because one of the following unexpectedly happens:

  • The carrier fails to get you there on time.

  • There’s a strike or industrial action.

  • Adverse and unforeseeable weather keeps you grounded.

  • The flight is overbooked and the airline offers no alternative.

  • Your car breaks down or you have an accident on the way to the airport.

Please contact the carrier immediately if another carrier’s delay has affected your connecting transport. 

How does cover for delayed and missed flights work?

For you to be able to claim for reasonable additional travel and accommodation expenses, the travel delay or missed connection must be unforeseeable and no fault of yours.
Please try to keep your costs as low as possible (sorry, no presidential suite at The Ritz), and you must try to get a refund or compensation from the transport provider before making a claim on the policy. Please keep all this documented with receipts, correspondence, written confirmation and an explanation from the carrier.
Any travel delay or missed flight connection claim will have a policy excess/co-pay deducted per person, per claimable event. Payments will also be less any refunds or compensation from the carrier.

 

What’s not covered?

Travel insurance is not designed to cover everything, so take the time to read the policy wording, so there are no surprises if you do need to use it. Here’s some examples of where you have no cover:

  • You simply change your mind.

  • You were aware, at the time of booking or buying the tickets and your travel insurance, of circumstances that might cause a travel delay or missed connection.

  • You don’t allow enough time to get to the airport and check-in as required by the carrier. For example, not factoring in extra time for heavy traffic in peak hour.

  • For any unused accommodation expenses or no-show fees in connection with travel delay.

 

This is only a summary of cover and does not include the full terms and conditions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

 

European customers (excluding Irish residents):
For policies purchased on or after 1 August 2019: Your policy is underwritten by XL Insurance Company SE. For policies purchased between 17 January 2019 and 31 July 2019: Your policy is underwritten by Lloyd’s Insurance Company SA. For policies purchased between 2 December 2018 and 16 January 2019: Your policy is underwritten by certain underwriters at Lloyd’s.

All other customers (excluding residents of Australia, Brazil, Canada, China, EEA, Ireland, New Zealand, Philippines, UK and USA):
For policies purchased on or after 1 August 2019, your policy is underwritten by nib Travel Services Limited. For policies purchased between 2 December 2018 and 31 July 2019: Your policy is underwritten by nib Travel Services Limited, formerly known as Nomadic Insurance Limited.

 

For policies purchased before 2 December 2018

If your flight is delayed your policy can help. If you miss a connecting flight then there’s cover for this too but only when you upgrade to the Explorer Plan and pay the additional premium.

World Nomads cover for Delayed and Missed Flights

There’s cover for documented, necessary and reasonable additional expenses for local transportation, meals and overnight hotel accommodation where:

  • your pre-booked transportation is delayed for more than three hours past its scheduled departure
  • your pre-booked transportation is cancelled or overbooked

There’s cover under the Explorer Plan for:

  • additional expenses incurred to buy a replacement flight ticket(s) or cover the fees to change your ticket(s) if a common carrier causes you to miss your connecting flight and you must catch up on your planned itinerary .

Indian residents: The missed connection and travel delay benefit is not included under the policy available when selecting India as your country of permanent residency. Our insurer for Indian travellers, ihi Bupa, has decided that they are no longer able to manage benefits greater than cover for Overseas Medical Expenses and Medical Evacuation/Repatriation.

How does the World Nomads cover for Delayed and Missed Flights Work?

Do try to minimise your expenses and claim a refund or compensation from the transportation provider before making a claim on the policy.

For missed connections, you must notify the airline immediately of any issues caused by another Common Carrier that may affect your connecting flight (to minimise your losses).

You must also get a written confirmation of the delay and the reason why from the carrier and provide copies of any receipts for unavoidable additional expenses.

While you can buy your travel tickets and insurance at any time, to be covered for travel delay and missed connections:

  • the transportation must be booked and paid for at least three days before its scheduled departure.
  • your insurance must have been purchased before you were aware your transport may be delayed, cancelled or overbooked.
  • the travel delay or missed flight connection must be unforeseeable and through no fault of your own.

Also be aware that any travel delay or missed flight connection claim submitted will have a €70EURO/$100USD policy excess/co-pay deducted per person, per claimable event (the currency you purchase your policy in is the currency you will pay for your excess, either EURO or USD)

What’s not covered:

Travel insurance is not designed to cover everything, so take the time to read the Product Guide (Policy wording), particularly the List of Benefits Section 18 Missed Flight Connection; Section 17 Travel Delay and the General Exclusions, so there are no surprises if you do need to use it.

  • We will not pay if you simply change your mind or if you were aware, at the time of booking or buying the tickets, of circumstances that would cause a travel delay or result in a missed connection.
  • Any claim where the required minimum transit and check in times by your airline are not met or it is at least three hours, whatever is longer.
  • any unused accommodation expenses or no-show fees in connection with travel delay

 

For policies purchased before 2 December 2018, your policy is underwritten by Bupa.

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Last Updated: Sep 10, 2019 03:02AM AEST