Travel insurance: delayed and missed flights

Only the Explorer Plan may cover reasonable additional expenses you incur after leaving home should your travel plans be delayed or if you miss your connecting flight, through no fault of your own and due to a covered reason.

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

Policies purchased on or after 1 Nov 2018 (GMT)

Policies purchased before 1 Nov 2018 (GMT)
 

For policies purchased on or after 1 Nov 2018:

If you’re delayed or miss your connection for an insured reason, you may have cover for additional expenses.

Delayed or cancelled flight only


Be aware you can claim only ONE of the following two benefits if your flight is delayed or cancelled.
 

1. World Nomads travel delay cover

If your booked public transport is cancelled or delayed and you’re delayed in reaching your overseas destination or your home for more than 12 hours, you can make a claim for additional expenses incurred during the delay for telephone calls, internet, meals and refreshments. Benefit limits will apply, however no policy excess is applied to travel delay claims.

OR

2. Additional travel and accommodation cover for delayed flights

To enable you to reach your overseas destination and/or in returning home to the United Kingdom, you can claim for reasonable additional accommodation (room only) and public transport expenses (Economy class) if your booked public transport is cancelled, delayed by more than 12 hours, or diverted or re-directed after take-off.
Claims for additional transport and accommodation expenses are valid only if no alternative is offered by the public transport operator. Other terms and conditions apply which are outlined in your policy wording.



Missed connection cover (Explorer Plan only)

Travellers with the Explorer Plan may also be covered for reasonable additional accommodation (room only) and public transport expenses (Economy class) incurred if you don’t make it in time to board any onward connecting public transport on which you are booked to travel, including connections within the UK, as a result of:

  • the failure of other carriers;

  • strike or industrial action;

  • adverse and unforeseeable weather conditions;

  • you being denied boarding because there are too many passengers for the seats available (and no alternative transport is offered by the carrier);

  • the vehicle in which you are travelling being involved in an accident or breakdown, or you being delayed as a result of a major accident on a motorway. (If you missed your flight because of a vehicle breakdown or a road accident, a police or roadside assistance report must be obtained.)

Cover for missed connections is not available to travellers on the Standard Plan.


What you must do to be eligible to make a claim for delayed and missed connections

  1. You must check in according to your itinerary, unless your public transport provider has requested you not to travel to the airport/port/depot/destination.

  2. You must make all attempts to seek compensation or offers to rearrange or reschedule your plans and, where applicable, exercise your rights under consumer protection legislation, before deciding to incur additional expenses, change your travel plans or make a claim with us.

  3. You must accept any alternative transport options offered by the carrier.

  4. Obtain written confirmation of the cancellation from the public transport provider (or their handling agents) which outlines the number of hours of delay or denied boarding and the reason for these, together with details of any alternative transport offered.

What's not covered

Travel insurance is not designed to cover everything, so take the time to read the full description of coverage in the policy wording so there are no surprises if you do need to use it.

Here are just some situations where no cover is applicable:

  1. If sufficient time has not been allowed for your journey in order to meet the check-in time(s) specified by the transport providers or agent.

  2. Any costs incurred by you which are recoverable from the public transport operator.

  3. Denial of boarding due to your drug use, alcohol or solvent misuse or your inability to provide a valid passport, visa or other documentation required by the public transport operator or their handling agents.

  4. Anything mentioned in the Specific or General Exclusions of the policy.

 

Please note, for policies purchased on or after 1 August 2019 your World Nomads policy is backed by XL Catlin Insurance Company UK Limited.  For policies purchased between 1 November 2018 and 31 July 2019 your World Nomads policy is backed by certain underwriters at Lloyd's.

 

For policies purchased before 1 Nov 2018:

Only the Explorer Plan can cover additional expenses should your travel plans be delayed through no fault of you own or if you miss your flight due to a covered reason.

If you’re delayed or miss your flight, there are a number of options available to you where you can claim additional expenses. Do be aware though that you can claim only ONE of the following 4 benefits if your flight is delayed or missed.

1. World Nomads Travel Delay Cover

If your booked public transport is cancelled or delayed for more than 12 hours (departing from or returning home), you can make a claim for any additional expenses incurred during the delay eg telephone calls, meals and refreshments etc.

You can claim up to £50 per person every 12 hours (after the first 12 hours have passed) up to a maximum £200 per person. No policy excess applied to Trip Delay claims.

OR

2. World Nomads Trip Abandonment cover 

Cancellation costs (up to the policy limits under the Cancellation benefit) can be claimed if you can no longer travel and must abandon your trip (applies only if you have not yet departed from your country of residence) because:

  • your booked public transport to travel from the United Kingdom/Ireland is cancelled or delayed for more than 24 hours; or

  • you are denied boarding on the flight on which you were booked to travel from the United Kingdom/Ireland (because there are too many passengers for the seats available) and no other flight could be provided within 24 hours

OR

3. Additional Travel and Accommodation Cover for Delayed and Missed Flights - World Nomads

If you must pay for additional (and reasonable) accommodation and public transport expenses (Economy class) to enable you to reach your overseas destination and/or in returning to the United Kingdom/Ireland, you can claim these expenses if:

  • your booked public transport being cancelled, delayed for more than 12 hours, diverted or re-directed after take-off; or

  • you’re denied boarding (because there are too many passengers for the seats available) and no other alternative flight could be provided within 12 hours

Claims for additional transport and accommodation expenses are valid only if no alternative is offered by the public transport operator. Other conditions apply which can be read in Section 10 on the policy wording.

OR

4. Missed Departure Cover - World Nomads 

We’ll cover your reasonable additional accommodation (room only) and travel expenses (Economy class) incurred if you don’t make it in time to board any onward connecting public transport on which you are booked to travel, including connections within the United Kingdom/Ireland as a result of:

  • the failure of other public transport;

  • strike or industrial action;

  • adverse and unforeseeable weather conditions;

  • you being denied boarding because there are too many passengers for the seats available

  • the vehicle in which you are travelling being involved in an accident or breakdown, or you being delayed as a result of a major accident on a motorway (if you missed your flight because of a vehicle breakdown or a road accident, a police or roadside assistance report must be obtained).

Delayed and missed Flights - What you must do to be covered with World Nomads

  1. You must check in, (according to your itinerary) unless your transport provider operator has requested you not to travel to the airport / port.
  2. Obtain a written confirmation from the public transport operator (or their handling agents) of the cancellation, number of hours of delay or denied boarding and the reason for these together with details of any alternative transport offered.
  3. You must seek financial compensation, assistance or a refund of your ticket from your public transport provider, in accordance with a passenger protection scheme in the event of denied boarding, cancellation or long delay of flights.

What's not covered

Travel insurance is not designed to cover everything, so take the time to read the full description of coverage in the policy wording so there are no surprises if you do need to use it.

Here are just some situations where no cover is applicable:
  1. if sufficient time has not been allowed for your journey in order to meet the check-in time(s) specified by the transport providers or agent;
  2. any costs incurred by you which are recoverable from the public transport operator
  3. denied boarding due to your drug use, alcohol or solvent abuse or your inability to provide a valid passport, visa or other documentation required by the public transport operator or their handling agents;
  4. anything mentioned in the General Exclusions.


Please note, for policies purchased before 1 November 2018, your World Nomads policy is backed by Millstream.
 


Related Articles

View more

Can't find the answer you are looking for?

Contact us

Our contact details

We’re here to help if you have a question about travel insurance.

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1) (For policies purchase on or after 1 November 2018)
  • Monday to Friday 9:00am - 5:00pm (GMT/BST) (For policies purchased before 1 November 2018)

Contact us

Phone

For policies purchase on or after 1 November 2018:


0800 260 5081


+353 21 237 8000

_________________


For policies purchased before 1 November 2018:


0330 660 0738


+44 (0) 330 660 0738