Travel insurance for Trip Resumption
Learn how your travel insurance could help if your trip is unexpectedly interrupted.
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If something happens on your trip and you need to come back to New Zealand, World Nomads travel insurance can help you pick up where you left off once you’re ready to go again.
What is trip resumption cover?
If you've had to interrupt your trip and return back to New Zealand because you:
- Were sick or injured overseas, or
- One of your close relatives has been hospitalised or has died, or
- A severe weather event has struck your home in New Zealand resulting in severe damage,
World Nomads overseas travel insurance policies offer coverage for reasonable transport and accommodation expenses, up to policy limits, so that you can get back on the road and finish your trip.
What am I covered for if my trip has been cut short?
We may pay for reasonable additional transport and accommodation expenses, up to policy limits, for you to resume your trip if you’ve had to return home during your travels for a compassionate emergency visit, your repatriation back home for medical treatment, or because your home in New Zealand is severely damaged by a natural disaster.
Your policy still needs to be valid for the period of your resumed trip. Your policy also needs to be the one that you were travelling on when you had to return home.
Trip resumption: what's not covered by travel insurance?
Travel insurance isn’t designed to cover everything. Some things we don’t cover for trip resumption include:
- Any expenses incurred while you're at home.
- If you go home because you're homesick.
- Pre-existing medical conditions.
- Any trip resumption expenses unless pre-approved by us or our 24/7 Emergency Assistance team.
- If you don’t wish to resume your trip, your cover will cease at the time you arrive home. There is no refund for any unused portion of your policy.
- Anything else listed in the exclusions on your policy.
This is not a full list of what's covered and not covered. Be sure to read your Policy Document and contact us if you have any questions.
Need to know more?
If you have questions or need help, you can contact us.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document 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.
The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.
Be prepared if you need to claim for trip resumption.
Depending on your claim, you'll need copies of:
- Receipts
- Itineraries
- Doctors' reports/death certificates
- Medical history (ruling out pre-existing conditions)
- New flight tickets
Traveller’s tip: you should read your Policy Document carefully to understand what you will be covered for when it comes to trip resumption. Contact us if you have any questions.
Traveller’s tip: With World Nomads you can get a quote, make a claim, or extend your policy instantly online, even while travelling.
Grandma in palliative care
My grandmother suffered an acute subarachnoid hemorrhage after having a fall and was subsequently placed in palliative care in November. I received a phone call to return home as my grandmother only had a few days to live according to the doctors. I returned home, and she passed away. I then recommenced my travels after her passing and funeral.
Claim Paid.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Protect your trip from unexpected cancellation.
- Explorer Plan: Unlimited
- Standard Plan: $5,000
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Overseas
Take the pain out of medical costs.
- Explorer Plan: Unlimited
- Standard Plan: $5,000,000
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transport
We'll get you to hospital in a flash
- Explorer Plan: Unlimited
- Standard Plan: $500,000
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Cover your stolen or damaged gear and tech.
- Explorer Plan: $10,000
- Standard Plan: $2,000
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Overseas Medical Expenses
- Emergency dental treatment
- 24 hour assistance
- Emergency medical transport & repatriation
- Cancellation costs
- Trip interruption costs
- Compassionate emergency visit home
- Resumption of trip
- Theft or accidental damage to baggage and personal items
- Baggage delay over 12 hours
- Funeral expenses overseas or repatriation of remains
- Personal liability
24/7 emergency assistance
If you need medical assistance or emergency medical evacuation our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
From New Zealand & Overseas:
+61 2 8263 0470 or
+61 2 8292 1470
(reverse charges via an operator from anywhere in the world)
Within Australia (Free call): 1800 611 210
FAQ
Here are our most frequently asked questions about trip resumption and insurance. You can also find the answers to other questions in our Help Center or you can ask our customer service team.
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What is the difference between trip cancellation, trip interruption and trip resumption cover?
These benefits may help with reasonable costs associated if your trip is affected by a list of specific events.
- Trip cancellation may cover reasonable costs to cancel all or part of your trip. You can still be overseas and travelling to claim on this benefit.
- Trip interruption may cover reasonable costs to re-arrange your trip after it's interrupted. You can still be overseas and travelling to claim on this benefit.
- Trip resumption cover may help you resume your trip after repatriation to New Zealand for medical treatment, a compassionate visit for a close relative who has died or is seriously ill, or if your home is severely damaged by a natural disaster.
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Am I covered if my trip is interrupted by a pandemic?
Some exclusions may apply for epidemics, pandemics or World Health Organization (WHO) declarations of a public health emergency of international concern. When they apply, these exclusions are outlined in your policy wording.
For further information on coverage for Coronavirus (Covid-19) read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, conditions and exclusions.
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What if I’m resuming my trip from a country other than New Zealand?
If you’re resuming your trip because of a compassionate emergency visit that takes you to a country other than New Zealand, you can resume your trip from this country. But we’ll only pay the lesser of what it would cost to resume your trip from this country or from your country of residence.
Before your trip, check the latest government advice for any travel alerts for your destination.