What is the travel insurance policy excess/deductible?

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


 

For policies purchased on or after 1 August 2019:

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.
 

For policies purchased between 1 Nov 2018 and 31 July 2019:

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

Note: For policies purchased between 1 November 2018 and 31 July 2019, your World Nomads policy is underwritten by certain underwriters at Lloyd’s.
 

For policies purchased before 1 Nov 2018:

Your policy has an excess.The excess is deducted in the event of a claim or you may have to pay the excess. Sorry, it's not possible to buy out the policy excess.

For UK Residents with policies purchased AFTER 23 April 2015 and IRISH residents with policies purchased AFTER 17 February 2016:

Here are the main policy benefits and the relevant excess applied to each of these benefits(there are 19 Sections in total so for more information, see the policy wording).

The excess is applicable for each person making a claim, per policy section,to a maximum of 2 excesses being charged per insured incident.

Section 1 Cancellation: €90/£75 (€25/£20 in respect of loss of deposit only claims)
Section 2 Curtailment: €90/£75
Section 3 Trip Interruption: €90/£75
Section 4 Emergency Medical Expenses: €125/£100
Section 5 Hospital Benefit: not applicable
Section 6 Personal Accident: not applicable
Section 7 Baggage & Personal Belongings: €90/£75
Section 8 Money: €90/£75
Section 9 Loss of Passport / Travel Documents: No excess applicable
Section 10 Travel Delay & Abandonment: €90/£75
Section 11 Missed Departure: €90/£75

For UK Residents with policies purchased BEFORE 23 April 2015 and IRISH residents with policies purchased BEFORE 17 February 2016:

The excess is applicable for each person making a claim, per policy section, per insured incident:

Section 1 Cancellation:  €90/£75 (€25/£20 in respect of loss of deposit only claims)
Section 2 Curtailment: €90/£75
Section 3 Emergency Medical Expenses: €125/£100
Section 4 Loss of Passport / Travel Documents: No excess applicable
Section 5 Baggage & Personal Belongings: €90/£75
Section 6 Personal Liability: €180/£150
Section 9: Financial Failure Protection: No excess applicable

Note: For policies purchased before 1 Nov 2018, your World Nomads policy is backed by Millstream.

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For policies purchase on or after 1 November 2018:


+353 21 237 8005


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For policies purchased before 1 November 2018:


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Email

For policies purchase on or after 1 November 2018:

[email protected]

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For policies purchased before 1 November 2018:

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0800 260 5081


+353 21 237 8000

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For policies purchased before 1 November 2018:


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+44 (0)330 660 0549

Email

For policies purchase on or after 1 November 2018:

[email protected]

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For policies purchased before 1 November 2018:

[email protected]