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Cover for Natural Disasters – Chartis

 
When a natural disaster event occurs before or while you are travelling each of our World Nomads policies may respond in a slightly different way. Factors that affect cover include the type of event, the individual circumstances of the insured traveller and the policy wording.
 
 
Please refer to your policy certificate found in your World Nomads members page at www.worldnomads.com to find out who your underwriter is if you are a policy holder or if you have yet to purchase a policy please note the underwriter when obtaining a quote at www.worldnomads.com.
 
For policies underwritten Chartis Canada
 
Foreign Affairs and International Trade Canada offer a registration service for all Canadians travelling or living abroad. This service is provided so that we can contact and assist you in an emergency in a foreign country, such as a natural disaster.
 
For Canadian travelers: http://www.voyage.gc.ca/
 
If you purchase this policy after departing from your Home then there will be no coverage for any Injury or Illness for a period of 48 hours from your departure date.

Departure date means the date on which you are scheduled to start your trip as shown on the Confirmation Letter (using the local time at your Canadian address).
 
Your policy does not cover a loss that arises because you did not follow the advice of a government travel advisory or other official body's warning: against all travel to a particular country or region; or bad weather and you did not take the appropriate action to avoid or minimize any potential claim under your policy (including delay of travel to the country or region referred to in the warning).

I have not purchased a policy

As travel insurance policies provide cover for unforseen and unforeseeable events, no cover will be available relating to an event that has occurred before you have purchased a policy.

You have purchased a policy before the event has occurred and/or been reported, but you have not started travelling and you are going to the affected area

You should contact your travel agent, transport, tour and accommodation providers regarding re-booking, rescheduling or cancellation of your pre-paid travel arrangements.
 
Trip cancellation will reimburse you for the following covered losses providing you cancel your trip prior to your departure date:

• the forfeited, published, non-refundable Trip payments or deposits incurred as a result of cancellation penalties and for which no credits or refunds were issued by the supplier

 
If no exclusions apply, cover is for:

• A travel advisory issued after your trip has been booked with respect to travel to your destination country during all or part of your trip.

If you are still within your policies cooling off period you may be able to cancel your policy and receive a full refund.

You have purchased a policy before the event has occurred and/or been reported and are already travelling and you are due to travel to the affected area

You should contact your travel agent, transport, tour and accommodation providers regarding re-booking, rescheduling or cancellation of your pre-paid travel arrangements.
 
Trip interruption will reimburse you for the following covered losses you may incur for trips that are interrupted or delayed after your departure date:

• the unused portion of forfeited, published, non-refundable trip payments or deposits incurred as a result of cancellation penalties and for which no credit was issued by the supplier
• reasonable, additional travel costs for you to reach your scheduled destination if you must depart after your departure date.

 
If no exclusions apply, cover is for:

• A travel advisory issued after your trip has been booked with respect to travel to your destination country during all or part of your trip.

You have purchased a policy before the event has occurred and/or been reported and you are in the affected area

• You should follow the advice of the local authorities as they will have the most immediate and relevant information at hand.
• Locate your nearest embassy.

 
Travel Guard is the Emergency Assistance provider. You can reach Travel Guard by calling:
 
1-(866)-878-0192 toll-free from Canada and the Continental U.S – underlined is the country code, in brackets is the area code
1-(416)-646-3723 collect from anywhere else in the world – underlined is the country code, in brackets is the area code
 
We will pay the reasonable and customary cost of emergency medical, hospital, ambulance or other treatment required and received by you during the trip because you suffer an unexpected illness or injury. We will only pay for treatment received and/or the Hospital accommodation when it has been prescribed and provided by a registered medical practitioner or paramedic during the period of coverage immediately after the Illness first showed itself or the Injury happened.
We will not pay for costs incurred in Canada that are covered under your provincial health insurance plan.

We will arrange and pay for medical transportation services required by you as a result of an injury or illness that occurs during your trip. If our consulting physician and the local attending physician determine that adequate treatment is not available locally and that treatment is medically necessary, you will be transported to the nearest appropriate medical facility.

All emergency medical transportation services must be authorized in advance and organized by our medical department. Such services that are not pre-authorize by us shall not be covered.
 
In the event of your death during your trip from a medical condition covered under this insurance, we will pay for the cost for reasonable and necessary services needed for the transport of your remains from the place of death to your city of residence up to the benefit limit.
 
Trip interruption will reimburse you for the following covered losses you may incur for trips that are interrupted or delayed after your departure date:

• the unused portion of forfeited, published, non-refundable trip payments or deposits incurred as a result of cancellation penalties and for which no credit was issued by the supplier
• reasonable, additional travel costs for you to reach your scheduled destination if you must depart after your departure date.

 
If no exclusions apply, cover is for:

• Any serious Injury or any unforeseen serious Illness occurring to:
  - you, or your travelling companion, which is so disabling as to cause a reasonable person to delay, cancel, or interrupt their trip;

• For trip interruption benefits, a physical examination must take place during your trip, and the physician must recommend in writing that your trip be interrupted.

 
Luggage and personal effects cover will pay you for:

• Accidental loss, or theft of or damage to, your luggage and personal effects including things you buy during the trip, while they are accompanying you.
  If we are to pay a claim, you must:
  - provide evidence of the value and your ownership of the goods.
  - obtain an official report from any appropriate authority within 24 hours of discovery (and specifically for claims arising against hotels)

• The reasonable additional costs in obtaining a replacement passport or travel document(s) following the loss (excluding Government confiscation), theft or damage of your passport or travel document(s) while outside your country of residence

 
You may extend your policy if you find that your return to Canada has been delayed because of one or more of the following or if you decide to continue your trip:

• if a bus line, airline, shipping line or rail authority you are travelling on, or that has accepted your fare or luggage, is delayed; or

• if the delay is due to a reason for which you can claim under this policy, coverage will be extended free of charge subject to our approval. If you are unable to contact us for approval then purchase a new policy to make sure you have cover. A refund of this policy may be considered if the purchase was not deemed necessary, as per the terms and conditions.

Your coverage under this policy may be extended up to a maximum Trip length of 365 days provided you have obtained an extension of your provincial health insurance plan.