As we've recently changed our insurer, please select the date you bought your policy:
Policies purchased on or after 1 August 2019
Policies purchased between 1 November 2018 and 31 July 2019
Policies purchased before 1 November 2018
Your policy mentions two kinds of excess:
A time excess is the period of time you have to wait before certain kinds of cover are available.
A policy excess is an amount of money that is deducted from any claim payouts.
Depending on what you claim for, the policy excess is applied per person, per insured event. This excess may be deducted from any payouts, or you may have to pay the excess before a claim is payable to you. Sorry, it's not possible to buy out the excess. The summary of cover in your policy wording lists the policy benefits and the excesses that apply to each.
Note: For policies purchased on or after 1 August 2019, your World Nomads policy is underwritten by XL Catlin Insurance Company UK Limited.
Your policy has an excess. The excess is deducted in the event of a claim or you may have to pay the excess before a claim is payable to you. Sorry, it's not possible to buy out the excess.
Here are some of the main policy benefits and the relevant excess applied to each of these benefits (there are 8 Sections in total so for more information, see the policy wording)
For UK residents, the excess is applicable for each insured person making a claim, per insured event, as follows:
Section 1 Emergency Medical & Dental Expenses Overseas: £100 (£500 in respect of medical evacuation services within Nepal)
Section 2 Cancellation, Curtailment & Trip Resumption: £100
Section 3 Trip Interruption: £100
Section 4 Your Belongings: £100
Section 5 Rental Car Excess: not applicable
Section 6 Personal Accident: not applicable
Section 7 Personal Liability: £100
Section 8 Adventure, Work, Study & Volunteer: £100
For help in an emergency, contact the Emergency Assistance Service. They are available 24 hours a day, 7 days a week.
For policies purchased on or after 1 September 2021:
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For policies purchased on or after 1 November 2018:
For policies purchased on or after 1 September 2021:
worldnomadsassist@axa-assistance.com
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For policies purchased on or after 1 November 2018:
For policies purchased on or after 1 September 2021:
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For policies purchased on or after 1 November 2018:
For policies purchased on or after 1 September 2021:
https://worldnomads.uk.axa.travel/
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For policies purchased on or after 1 November 2018: