Nobody wants to think about all the things that can go wrong on a trip but, the truth is it’s better to be prepared. You never know what’s going to happen and so much is out of your control when you travel. Travel insurance is one way to protect yourself against the unexpected.
Summary
About World Nomads Travel Insurance!
Simon Monk expanded his fantastic travel blog to include trip insurance in 2000, and World Nomads Travel Insurance was born. World Nomads Travel Insurance protects people from 150 countries.
It provides medical and evacuation coverage as well as emergency help 24 hours a day, 7 days a week. Trip insurance from World Nomads is designed to cover a wide range of adventure activities.
As a corporation, they are focused on three areas: freedom, safety, and connection. Language manuals and travel blogs are also available from the World Nomads Travel Insurance firm.
TripMate operates the World Nomads US Travel Insurance policies, which are underwritten by Nationwide. In other words, when a World Nomads Travel Insurance customer purchases a Nationwide coverage through TripMate, they are actually purchasing a Nationwide coverage.
World Nomads Trip Insurance only covers trips that are more than 100 miles from home for those traveling in the United States. This is especially significant for individuals who reside and travel within a reasonable distance of their homes.
Features Overview
Coverage varies per policy but can include:
- Trip Cancellation or Interruption
- Emergency Medical and Dental Expenses
- Emergency Medical Transportation
- Protection for your luggage, camera, and other gear
World Nomads offers 24/7 emergency assistance to help in the event of a medical emergency or evacuation. In this post, we have featured World Nomads Review 2021 that includes detailed insights into its pricing, features, functionality, and more.
World Nomads Review 2021: Is It A Reliable Travel Insurance Provider??
Detailed World Nomads Review:
What Destinations Are Covered?
World Nomads offers policy coverage for Brazil and South America, Asia, Canada, Italy, Spain, Vietnam, New Zealand, Australia, Cambodia, Laos, India, China, the United States, the Schengen Zone, and more.
What’s included in World Nomads Insurance Policies?
Here’s a general overview of what World Nomads covers. Please note that specific coverage varies per policy and depends on where you’re from and where you’re going. Be careful to read all of the information about a policy before enrolling.
- Medical Coverage
World Nomads offers coverage of up to $100,000 USD, while it’s more expensive insurance will cover you for more. If you’re doing extremely insane things that could result in significant injury, having a lot of coverage limitations is vital. Alternatively, if you become extremely ill. (However, I find that $100,000 in coverage is more than plenty for my needs.)
Its insurance also covers medical expenses as well as those associated with medical evacuation or repatriation if you are wounded in an accident. For example, if you break your leg while hiking in the woods, your coverage should cover your transportation to the hospital, which World Nomads does. You may even be deported back to your native country if the situation merits it (not every injury or emergency will warrant this, however).
- Emergency Dental Treatment
World Nomads also covers emergency dental treatment in the event of an accident while on the road. This can include things like an unanticipated infection, a fractured tooth, or an accident that causes you to injure your mouth or jaw. It excludes any optional dental procedures, such as exams and cleanings (or things that can wait until you get back home).
- Non-medical Emergency Evacuation
In the event of civil or political upheaval in the country you’re visiting, World Nomads also provides transportation coverage. This holds true in the event of a natural calamity or being expelled from a country. NOTE: If you’re a US citizen, you’re not insured in all states. You’ll need to double-check your policy for details.
- Accidental Death And Dismemberment Insurance
Your World Nomads plan pays a lump sum to your beneficiary, such as a family member, if the worst happens. These insurance also cover you if you lose your eyesight, a hand, foot, or leg, among other things, while on vacation. Furthermore, they pay for the cost of your body’s repatriation (i.e., sending your body home).
- Lost Or Stolen Goods
This coverage reimburses you for lost, stolen, or damaged luggage and personal goods during your vacation. If your baggage is delayed for more than a particular amount of time, such as 12 hours, some policies can pay you for additional charges.
- Trip Cancellation, Interruption, Or Delay
Trip cancellation insurance reimburses you for prepaid expenses if your tour operator goes out of business if you or a family member becomes sick or wounded, if there is a death in the family, terrible weather, or a natural disaster, or if your tour operator goes out of business.
Trip interruption insurance protects you if you have to cancel your holiday due to illness or injury, or if you need to return home owing to a death in the family (it has to be your immediate family, however).
Trip delay coverage reimburses you for expenditures incurred if you are delayed while traveling, such as when a flight is canceled due to severe weather.
Additional expenses are covered on a one-time basis if you are delayed for six hours or more on route to or from your trip owing to a designated hazard (as explained in the policy). All three are covered in World Nomads!
- One Call: 24-hour Assistance Services
In the event of a medical emergency, World Nomads also has a 24-hour service that provides assistance, guidance, and referrals. The program will assist you in finding nearby doctors, dentists, and medical facilities.
They can also arrange and pay for appropriate transportation to a suitable hospital, treatment center, or home, including an escort if necessary. When traveling, have this number on your phone so it’s easy to find if you need it.
What Activities Are Covered?
Not all activities are covered under every plan so make sure you’re covered before heading off on your adventure. Here are some of the activities the World Nomads covers:
- Ice skating
- Skiing
- Snowmobiling
- Kayaking
- Canoeing
- Sailing
- Scuba diving
- Snorkeling
- Bungee jumping
- Hang gliding
- Skydiving
- Zip Lining
- Camel Riding
- Mountain biking
- Hiking
- Caving
- Camping
- Fencing
- Go-karting
- Tennis
- Golf
- Farm work
- Fruit picking
- Teaching
- Office work
What is not covered by World Nomads?
Every insurance policy in the world has its set of terms and conditions. The same goes for World Nomads Travel Insurance. In the unlikely event of some specific mishaps or recklessness, you probably won’t be covered under their insurance. Here’s a list:
- Accidents resulting from extreme adventure sports such as hang gliding, paragliding, or bungee jumping (unless you pay extra).
- Incidents involving alcohol or drugs.
- Carelessness with your belongings and luggage.
- If the problem occurred as a result of your irresponsible behavior (how “reckless” is defined is left to the company), you will not be paid.
- Pre-existing conditions or routine examinations If you have diabetes and need additional insulin, for example, you will not be covered. You’re also not covered if you want to see a doctor for a general checkup.
- Cash that has been lost or stolen
- If you leave something unattended, your theft coverage will not cover you.
- You’re definitely out of luck as well if civil upheaval makes your destination insecure but your government hasn’t ordered an evacuation.
- Flight upgrades unless medically necessary
- Refusal to return home for essential medical care
- Injuries or illness related to drug or alcohol use
- Needlessly risky behavior
- Riding a motorcycle without a helmet and the proper license
- Forgotten bags or gear
- Theft without a written police report
- Excluded pre-existing medical conditions
- Non-emergency treatment that can wait until you return home
- Sexually transmitted diseases
- Death from suicide
- Financial loss from stolen credit cards
- Not following the advice of local authorities after a natural disaster
- Forgetting your passport
- A confiscated passport
- A replacement passport
- Major dental work
- Routine dental work
How Does It Work
When shopping for a policy, head to the World Nomads website. Head to the ‘Insurance” tab then click on “Get a Quote”. From there, you’ll be asked to enter your destinations as well as the age and country of residence for each traveler on the policy.
Once you are able to compare different plans, make sure you read the coverage carefully. There are some limitations in coverage depending on where you’re from and the country you’re planning to visit.
Plans & Pricing
Standard and Explorer are the two plans offered by World Nomads, with the latter providing larger limits and additional adventure sports coverage.
The plans are available for trips of up to 180 days in length, with the option to extend coverage mid-trip. The cost of the coverage will be determined by the length of your journey and the countries you will visit.
To find out how much the insurance plan will cost, enter the specifics of your trip, your age, and your state of residence.
Because trip cancellation and interruption benefits are capped at a set dollar amount rather than a percentage of coverage, unlike many other insurers, you do not need to include the cost of your trip while looking for World Nomads insurance.
For example, we entered a two-week vacation to Italy by a 30-year-old Illinois resident.
| World Nomads | Standard Plan Coverage Limits | Explorer Plan Coverage Limits |
| Trip Cancellation | $2,500 | $10,000 |
| Trip Interruption | $2,500 | $10,000 |
| Trip Delay | $500 | $1,500 |
| Daily Limit | $250 | $250 |
| Emergency Accident & Sickness Medical Expense | $100,000 | $100,000 |
| Emergency Dental | $750 | $750 |
| Hospital Advancement | $500 | $500 |
| Pre-existing Medical Conditions | Not covered | Not covered |
| Emergency Evacuation | $300,000 | $500,000 |
| Repatriation of Remains | $300,000 | $500,000 |
| Non-Medical Emergency Transportation | $25,000 | $25,000 |
| Baggage & Personal Effects | $1,000 | $3,000 |
| Per Article Limit | $500 | $1,500 |
| Combined Maximum Benefit (for jewelry, watches, silver, gold, or platinum items, or furs) | $500 | $500 |
| Baggage Delay (outward journey only) | $750 | $750 |
| Daily Limit | $150 | $150 |
| Rental Car Damage (not available in NY, OR or TX) | Not included | $35,000 |
| Accidental Death & Dismemberment | $5,000 | $10,000 |
| Generali Global Assistance 24-Hour Services | Unlimited | Unlimited |
| Adventure Sports & Activities | Standard Plan Sports & Activities as listed for U.S. residents | Standard & Explorer Plan Sports & Activities as listed for U.S. residents |
| Policy Cost | $79 | $142 |
The Standard Plan ($79) is an excellent alternative for people who are comfortable with trip cancellation and interruption coverage of $2,500 or less, do not require rental car damage coverage, believe the limits are enough and do not want coverage for particular adventure activities.
This plan, on the other hand, excels in sports coverage, including activities such as windsurfing and bungee jumping that are rarely covered by travel insurance companies. The World Nomads website has a complete list of covered sports by plan type.
The Explorer Plan ($142) contains all of the benefits of the Standard Plan, plus greater limits, rental car damage insurance (in locations where it is available), and coverage for adventure activities (such as skydiving and heli-skiing).
This option is particularly appropriate for people whose vacations are less than $10,000 because it provides the most comprehensive trip cancellation and interruption coverage.
World Nomads Travel Insurance Standard Plan
We requested a quote for a one-week vacation to the United States and were given rates for both the Standard and Explorer plans. We were not asked for our trip expenses when we ran the quote, which was unusual.
When we run a quote for travel insurance, one of the questions we usually get is about the cost of the trip. It aids in the selection of plan type and price. This is because we want to be able to cover the full cost of the trip in the event of a cancellation.
The first thing we note about World Nomads is that the Trip Cancellation and Delay benefits on the World Nomads Standard Travel Insurance plan are capped at $2,500. This is good if the trip costs less than $2,500, but it might be disastrous if the trip costs more.
Medical coverage is included in the Standard plan for a total of $100,000. We believe that this is an appropriate level for the majority of people. The $300,000 Emergency Evacuation Coverage is included.
This is a good amount of coverage, and it would be enough to bring a passenger back from the other side of the world in a long-range private jet.
Within the Standard package, World Nomads offers to Cancel for Work Cover. This is a fantastic policy that can be extremely beneficial to travelers who are concerned about their holiday being canceled.
This benefit isn’t mentioned in the summary screen, although it is included in the policy paper. There are no exclusions for pre-existing medical conditions. However, World Nomads’ interpretation of this could be perplexing.
World Nomads Travel Insurance Explorer Plan
World Nomads Explorer Travel Insurance is one of our favorites. There are various high-risk activities that are not covered by ordinary travel insurance, as you can see from the list of activities described in the iTI Lite plan.
If the activity you intend to participate in is not listed, investigate if World Nomads Travel Insurance covers it. The following is a list of activities that are covered. The list is updated on a regular basis, so check the World Nomads Trip Insurance website before making a reservation.
Remember, if your activity isn’t on the list, you’re not covered by World Nomads Travel Protection. Double-check everything! The Explorer Plan from World Nomads has a lot of beneficial aspects.
It’s incredibly convenient to have $3,000 in baggage and personal effects coverage. There is a $1,500 restriction for each item, which is too excessive.
Furthermore, the $500 Combined Max Limit applies solely to jewelry, watches, precious metals, and fur. Most travel insurance companies apply this to devices as well, which means that pricey items are only covered to a certain extent. Electronics are not treated in this way under the World Nomads Explorer plan, which allows them the entire $1,500 allowance.
The trip cancellation and interruption limit are set at $10,000, which should be sufficient for most passengers. Most folks will be ok with $100k in medical expenses and $500k in evacuation coverage.
It’s good to know that work cancellation is covered. With a 90-day look-back period, Pre-Existing Medical Condition is the same as the Standard Plan.
The World Nomads Explorer Plan is difficult to compare at $101 for our trip. There is nothing else like it for individuals who want to go on real exciting trips
How to Make a Claim
World Nomads lets you file a claim from anywhere so your trip isn’t interrupted any more than it has to be. The easiest way is to create an online account where you can easily follow the links to file a claim complete with supporting documents.
If you do not have an online account or if you reside in Brazil, you will need to fill in a paper form. Contact customer service who will send you a form to complete.
For emergencies, World Nomad has a 24-hour assistance line so you can get in touch right away. They can help arrange for emergency transportation to a medical facility and determine from a medical evaluation whether or not you need emergency transportation home for treatment.
Which World Nomads insurance plan is best for me?
Understanding which coverage you’d like on your vacation is essential to choose the right plan for your trip.
You may only require a solo emergency health care policy if you have a premium travel card with sufficient trip cancellation/interruption benefits.
The Business Platinum Card® from American Express, for example, provides travel cancellation benefits of $10,000 per trip and $20,000 per year. Terms and conditions apply. Only the Explorer Plan ($10,000) provides comparable trip cancellation insurance.
If you don’t have a premium travel credit card, your card’s coverage is insufficient, or you didn’t pay for your trip with the card, a comprehensive insurance plan like the Standard or Explorer plan may be the best option.
The Standard Plan might suffice if you don’t need adventure sports coverage and your trip costs less than $2,500 (or you already have trip cancellation/interruption benefits from your credit card).
Pros and Cons
Pros:
- A lot of activities are covered
- 24/7 emergency assistance
- Easy to use the website for applying for coverage and filing claims
- Able to get or extend coverage while traveling
- Possible to get a policy that goes into effect the next day
Cons:
- Policies only available for travelers under the age of 70
- No coverage for pre-existing conditions
- Only two levels of coverage available, Standard and Explorer
- No option to cancel travel for any reason or work reasons
Why Should You Use World Nomads?
If you’re a young nomad traveling around the world with your partner or a group of friends, World Nomads is a great choice. They cover a lot of different activities and you can enroll in a policy or file a claim quickly and easily on their website.
They provide 24/7 emergency assistance if you’re injured or hurt and seem like they provide adequate support to your family if you get hurt or injured.
Keep in mind that Worlds Nomads does not cover travelers over the age of 70 and they don’t cover any pre-existing conditions. They also don’t accept cancellations for just any reason and work obligations aren’t usually accepted.
For these reasons, World Nomads may not be the best choice for retirees and families with extensive work and family commitments.
Frequently asked questions
🔥Who are World Nomads?
World Nomads is a travel insurance company based in Australia. It was founded in 2002 by Simon Monk, a traveler who wanted to address the three key concerns: freedom, safety, and connection. Insurance was a market fraught with fraud. As a passionate traveler himself, he figured they had a fair idea of what travelers needed and wanted.
👓How much is World Nomads’ Medical Coverage?
World Nomads offers coverage of up to $100,000 USD, while it's more expensive insurance will cover you for more. If you're doing extremely insane things that could result in significant injury, having a lot of coverage limitations is vital. Alternatively, if you become extremely ill. Its insurance also covers medical expenses as well as those associated with medical evacuation or repatriation if you are wounded in an accident.
✔Is medical evacuation covered by them?
World Nomads Travel insurance also covers medical expenses as well as those associated with medical evacuation or repatriation if you are wounded in an accident. For example, if you break your leg while hiking in the woods, your coverage should cover your transportation to the hospital, which World Nomads does. You may even be deported back to your native country if the situation merits it (not every injury or emergency will warrant this, however).
👓Does World Nomads Insurance cover Emergency Dental Treatment?
World Nomads also covers emergency dental treatment in the event of an accident while on the road. This can include things like an unanticipated infection, a fractured tooth, or an accident that causes you to injure your mouth or jaw. It excludes any optional dental procedures, such as exams and cleanings
✔Does World Nomads insurance cover accidental death?
Your World Nomads plan pays a lump sum to your beneficiary, such as a family member, if the worst happens. These insurance also cover you if you lose your eyesight, a hand, foot, or leg, among other things, while on vacation. Furthermore, they pay for the cost of your body's repatriation (i.e., sending your body home).
💥What is the World Nomads Standard Plan?
The Standard Plan is an excellent alternative for people who are comfortable with trip cancellation and interruption coverage of $2,500 or less, do not require rental car damage coverage, believe the limits are enough, and do not want coverage for particular adventure activities. This plan, on the other hand, excels in sports coverage, including activities such as wind surfing and bungee jumping that are rarely covered by travel insurance companies. The World Nomads website has a complete list of covered sports by plan type.
👀What is the Explorer Plan?
The Explorer Plan contains all of the benefits of the Standard Plan, plus greater limits, rental car damage insurance (in locations where it is available), and coverage for adventure activities (such as skydiving and heli skiing). This option is particularly appropriate for people whose vacations are less than $10,000 because it provides the most comprehensive trip cancellation and interruption coverage.
✔Do they have a 24 hours assistance service?
World Nomads has a 24-hour service that provides assistance, guidance, and referrals. The programme will assist you in finding nearby doctors, dentists, and medical facilities. They can also arrange and pay for appropriate transportation to a suitable hospital, treatment centre, or home, including an escort if necessary. When travelling, have this number in your phone so it's easy to find if you need it.
✔Is trip cancellation reimbursement covered under their insurance?
Trip cancellation insurance reimburses you for prepaid expenses if your tour operator goes out of business, if you or a family member becomes sick or wounded, if there is a death in the family, terrible weather, or a natural disaster, or if your tour operator goes out of business. Trip interruption insurance protects you if you have to cancel your holiday due to illness or injury, or if you need to return home owing to a death in the family (it has to be your immediate family, however).
👓Does World Nomads insure trip delays?
Trip delay coverage reimburses you for expenditures incurred if you are delayed while travelling, such as when a flight is cancelled due to severe weather. Additional expenses are covered on a one-time basis if you are delayed for six hours or more on route to or from your trip owing to a designated hazard (as explained in the policy). All three are covered in World Nomads.
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OUR THOUGHTS ABOUT WORLD NOMADS!
World Nomads is a travel insurance company that provides policies for traveling to various destinations that cover a variety of situations, including emergency medical care, a stolen passport, missing luggage, natural disasters, or a terrorist attack. They’re also available 24/7 to help you in the event of an emergency, whether you need transportation to a medical facility or emergency evacuation.
Different travelers have different needs. For example, a retiree has different concerns than a family with young children. World Nomads seems aimed at a particular type of traveler – a younger adventurer with the freedom to explore the world.
World Nomads Travel Insurance, we believe, might be quite valuable for a small group of adventure travelers. It may be pricey for most travelers who do not require such protection.
Consider World Nomads’ Explorer Travel Insurance Policy as a high-end 4×4 vehicle — pricey, but necessary given the activity. If you’re a true adventure traveler, you’ll have a hard time finding a better policy than the Explorer. It is excellent for individuals who require it. Here’s where you can obtain a quote.
