World Nomads travel insurance review
For every traveler in today’s fast pace and frenzied world, the question to ask is:
Who has time to compare one million and one travel insurance policies, and the endless lists of legalistic jargon and clauses in there? ☹️
World Nomads Travel Insurance is the modern day answer for today’s generation of travelers:
We are globally mobile, digitally connected, and seek unique adventures.
It’s important for us to be able to get customized insurance and support anytime, anywhere and easily via digital channels.
With World Nomads, you can buy and claim online, even after leaving home.
World Nomads travel insurance is also available to people from 150 countries.
It’s designed for adventurous travellers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities.
Table of Contents
- 7 things you should know about World Nomads travel insurance
- Who is behind World Nomads?
- Interesting, so what policies are there?
- Medical and evacuation
- Trip cancellation, interruption, delay
- Loss and delay of baggage and valuables
- Other coverage
- 24 hour assistance and activities covered
- What’s not covered
- Free quote
1. Trusted reliable underwriters
WorldNomads.com is backed by a suite of strong, secure, specialist travel insurers who provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most.
2. Value for money with the cover you need
WorldNomads.com provides cover for what’s important for travellers from 150 countries. By focusing on what you need and leaving out what you don’t, World Nomads prices are some of the most competitive online.
4. Cover for a range of adventure activities
From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, WorldNomads.com covers a range of adventure activities, giving you peace of mind to get the most from your travels.
5. World Nomads keeps you travelling safely
All WorldNomads.com members have access to up-to-date travel safety alerts, as well as travel safety advice and tips online through the World Nomads Travel Safety Hub.
6. More than just great value travel insurance
All WorldNomads.com members can learn the local lingo through a series of iPod & iPhone Language Guides and can stay in touch with family and friends with an online travel journal.
7. Commitment to exceptional customer service
You can find out more about why travel insurance is important for your trip. If you have any questions about your travel insurance or travel safety in general, you can also contact WorldNomads.com directly.
The company was started by Simon Monk, Wayne Tregaskis and Michael McAuliffe in Australia, and has been solely focused on travel insurance for the last two decades.
Before budget airlines took off and before backpacking the world became mainstream cool, these bunch of hardcore, passionate travelers were there.
In fact, in 2000, they were the first to provide an online travel insurance service for independent travelers.
This was a market that large, traditional and faceless corporations shunned as they thought it was rife with fraud and not worth their time.
Today, the community of adventurers has since grown into a worldwide movement, and so has World Nomads.
Solutions were designed and refined over two decades for travelers just like them, all based on the three principles of freedom, safety and connection.
Let’s try this out.
At the end of this article, or if you prefer, click here to head to the website directly, you can find a simple quote box.
So let’s assume you are a 25 year old living in the US and planning to head to 6 countries in the incredibly diverse South East Asia for a month long backpacking trip in July!
After entering your details, a quote appears:
There are two plans which are self explanatory – the standard plan is cheaper, while the explorer plan provides more coverage while being more expensive.
Now, let’s dig deeper.
These will cover accidents, mishaps and diseases (human borne, animal borne, food and water borne) though which level of coverage depends on where you go, what you do and when you go.
In many countries, public healthcare facilities are generally overcrowded and subsidized rates are not applicable for foreigners. If you want fast and high quality medical treatment, private healthcare facilities are your best bet but come at a cost.
Note that even if you are “wrecked“, money talks as most healthcare facilities require cash advancement before they administer treatment.
If you are visiting countries at high altitudes (e.g. Peru), countries which lack advanced healthcare facilities or politically unstable countries, evacuation coverage is a definite must.
Another consideration which many travelers neglect is when you go. During spring and summer, there is generally a rise in insect borne diseases and tick borne diseases.
You will need to use active prevention measures (shared on this site), especially if you spend time outdoors or in rural areas.
Good news is that these insects “disappear” when you are ~2,200 meters (7,200 ft) above sea level, though the flipside is that evacuation will be more difficult.
If you have, you must still remember how it feels to have to frantically call multiple layers of call centers to beg for a refund from your transport, accommodation and service providers.
Further, when a refund is given, it is usually only in credit and not cash. With World Nomads, just make a claim and you can get your pre-paid expenses back.
Loss of valuables and bags are more common than you would think and can happen in many ways:
- Luggage theft by airport / airline staff: a pen is all that is needed to break into zippers of most luggage. Breaking your shiny TSA lock is easy as well.
- Bus theft: unattended bags left on overhead compartments or below buses are easily stolen.
- Snatch thefts: a motorbike riding by and grabbing your bag, or unattended bags at restaurants, beaches and hotels, etc.
- Pickpockets: usually perpetrated by gangs with distraction techniques like the spilling liquid scam / bumping / asking a question.
- Hotel / hostel theft: 60-70% of hotel thefts are done by insiders and both rooms and hotel / hostel safes are easy to break into.
- Car break-ins: 10 seconds or fewer are all that is needed to break into your locked car door and boot; less if the thief chooses to smash your car windows.
In short, if you are bringing something expensive along, please insure it as even your hotel safe is not 100% secure.
The CDW insurance is useful if you choose to drive, though you may not necessarily need it if using your credit card provides a similar coverage.
Note that a common scam is for rogue rental car operators toclaim that your coverage is invalid. They then coerce you into buying their “comprehensive” insurance plans (basically CDW + liability) which can be very expensive.
To counter that, make sure to bring your policy along.
As for accidental death & dismemberment, the coverage may not seem high, as its purpose is really just to cover expenses to get your body home and for burial expenses (touch wood, apologies for the morbid tone).
For coverage of death and dismemberment, it is strongly recommended that you get your own separate term life / life / accident insurance to cover this risk, with payouts ranging from 6 to 7 figures depending on your family’s needs.
This is where World Nomads shines, as it covers over 150 activities and adventure sports which you may partake in (like skiing, scuba diving, even bungee jumping!).
Though of course, riskier activities will only be covered under the more expensive explorer plan.
The one call multi lingual 24/7 hotline is also a necessary feature, and is a make or break deal for any serious travel insurance policy.
Now of course, a travel insurance policy is not a piggy bank, and to prevent fraudulent or fickle claims, companies have to protect themselves as well.
Examples of clauses stipulated to prevent fickle claims include:
- Theft due to carelessness
- Reckless behavior
- Incidents suffered while under alcohol or drug influence
- Pre-existing medical conditions
- Riding a motorbike without helmet or the correct license
- Malfunctioning electronics
The list is non-exhaustive and sometimes subjective, so make sure to read all the clauses of your policy and take all necessary precautions to prevent being a victim of scams and crime as shared extensively on the site.
Getting a quote is as simple as ABC, or if you prefer, click here to head to the website directly.