For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
A change in a travel advisory by the U.S. State Department does not affect your World Nomads travel insurance* plan. The travel insurance plan will continue to provide you coverage prior to and while on your trip, subject to the terms and conditions of your plan. Please note, a change in the U.S. State Department travel advisory is not a covered peril under the trip cancellation or trip interruption benefits.
For example, suppose you purchase a plan for a three-week trip to Europe, but before your departure, the U.S. State Department has issued a ‘Reconsider travel’ advisory for one of the countries on your itinerary. Your plan is still in effect per the terms of your plan wording for benefits including lost luggage or emergency medical costs. However, anything related to the travel advisory itself isn’t covered: you can’t cancel your trip because of the travel advisory and expect to be reimbursed for your non-refundable, pre-paid trip expenses. Nor can you get coverage for any expenses incurred because of pre-departure changes made to rescheduled portions of your itinerary to avoid restrictions from a travel advisory.
If a terrorist attack or natural disaster was to occur in one of you prescheduled destinations, there may be benefits available for covered reasons.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.
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Before your trip, check the latest government advice for any travel alerts for your destination.