This article applies to the older Nomad Insurance Essential plan version effective September 2025. If you are not sure which plan version you are under, please check with our Customer Care team.
If your trip is delayed by 12 hours or more and requires an overnight stay, Nomad Insurance Essential covers:
Food and accommodation expenses
Up to USD $100 per day, for a maximum of 2 days
How is the delay calculated?
The delay is measured as the difference between your original arrival time and your actual arrival time.
An overnight stay means the delay extends from evening (PM) into the next morning (AM) or causes a date change.
👉 Even if your delay is only an hour, you may still be covered if it causes missed connections that result in an overnight stay.
The delay must be caused by one of the following reasons:
👉 Your scheduled transportation by airplane/bus/train/boat that you had a valid ticket for, was delayed or canceled with no replacement, for at least 12 hours. Your transportation must have been arranged by a company that has scheduled routes and ticketed passengers (so, for example, a taxi or rented bus is not covered, even if it is 12 hours delayed).
👉 You were part of a traffic accident while on your way to the departure airport (requires proof in form of a police report).
👉 An organized labor strike, hijacking or quarantine held you up.
👉 Your passport or other necessary travel documents were stolen (requires proof in form of a police report).
Benefit limit
Up to USD $100 per day
Maximum of 2 days
Need Help?
Just reach out to our Customer Care Team if you have any further questions. We’d be happy to help!