I'll share a story. family trip to rajah ampat in august. the fligth i was booked on to fly into indonesia was retimed after booking and paying for a very expensive dive holiday. when i made a claim to world nomads for the extra cost of changing our travel plans and the loss of a non refundable day's diving, not to mention extra hotel and transport charges, the claim was disallowed. so don't end up like me, with a sour taste in your mouth. they're happy to take your money, but
DON'T EXPECT THEM TO PAY OUT JUST BECAUE YOU'VE GOT A LEGITIMATE CLAIM!