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In this World Nomads Travel Insurance review, we’ll explore what their plans cover, who is eligible, and whether the plans are worth it for you. Enjoy!
Be honest: Do you purchase travel insurance when you take a trip? If you don’t, I’m certainly not judging.
Between airfare, accommodations, food, and sightseeing, travel can be expensive. It’s tempting to skip buying travel insurance and use the cash on something a little more exciting.
Here’s the thing, though: While you might think you can’t afford travel insurance, the truth is you can’t afford to skip it! Costs for emergency medical care in foreign countries, trip delays, and other inconveniences can be huge. Personally, I don’t think it’s worth the risk to your financial well-being or your health.
The good news is that there are lots of travel insurance options out. Some of the best travel insurance companies offer solid coverage at decent prices.
Today, I’m covering a popular travel insurance provider that is a good option for individual trips – especially if you’re into adventure travel. In this World Nomads review, we’ll explore the two travel insurance plans they offer, what each includes, how much they cost, and whether they are for you.
Let’s do it!
World Nomads at a Glance
- Founded in 2002 by Simon Monk
- Offers comprehensive plans that include medical and trip insurance, plus other benefits with no deductible
- Provides coverage for adventure sports and activities
- Covers trips up to a year in duration
- Can be purchased or renewed online while abroad
- Claims can be made 24 hours a day online or by phone
World Nomads Travel Insurance Products
World Nomads offers two travel insurance plans: Standard and Explorer.
As the name implies, the Standard Plan is the base model. The Explorer Plan includes everything that’s covered by the Standard Plan, plus more. For U.S. customers, both plans are underwritten by Nationwide Insurance.
When it comes to travel insurance, there are two broad types of coverage – medical insurance and trip insurance. As I’m sure you can guess, medical insurance deals with medical expenses you might incur while traveling. Trip insurance protects the investment you make when you plan a trip, such as non-refundable deposits.
The World Nomads Standard and Explorer insurance plans are comprehensive, meaning they include both medical and trip insurance.
Need details? I got you. Here’s a screenshot of what the World Nomads Travel Insurance policies cover which we pulled directly from their website.
World Nomads Travel Insurance: What’s Covered
As you can see, World Nomads travel insurance plans offer fixed coverage per category, which means you can’t customize your plan. You can, however, review what’s provided by the Standard and Explorer Plans and choose the one that best fits your needs.
How Much Does World Nomads Travel Insurance Cost?
The cost of a travel insurance policy depends on multiple factors, including (but not limited to) the plan selected and the length of the trip. Here’s an example, so you can get a sense of how much World Nomads Trip Insurance is likely to cost. (Keep in mind that this is not an offer for coverage and that quotes and coverage options may change.)
Example: A husband and wife from New York, aged 35 and 36, are visiting Paris for two weeks in May. For the Standard Plan, they would pay a combined $155.55. For the Explorer Plan, it’s just $281.32.
Now, let’s assume they took their 8-year-old daughter along. In this case, they would pay $272.22 for the Standard Plan and $492.30 for the Explorer Plan. The price stays the same even if they brought along their other two children, ages 11 and 14. So, purchasing coverage as a family of four or more offers increased value.
Again, coverage limits depend upon a number of factors including (but not limited to) your age, state of residence, your intended destination, and more. You can get a free personalized quote in less than a minute here.
Do You Need the World Nomads Explorer Plan?
As you can see in the table above, both World Nomads plans offer coverage for emergency medical expenses. The Explorer Plan offers more coverage for emergency evacuation and repatriation, however the Standard Plan also offers some coverage.
So, why bother with the Explorer Plan at all? There are two compelling reasons: Trip insurance and adventure sports and activities.
When it comes to trip insurance, the Explorer Plan offers considerably more coverage than the Standard Plan. That could come in handy if you need it.
Remember, only certain reasons for canceling a trip or returning home suddenly after departure are covered. Things like illness (you, a traveling companion, or a family member), a death in the family, and work responsibility are often covered, but you’ll need to check with World Nomads to ensure coverage before pulling the plug on your trip.
As always, make sure to read the fine print so you understand what is covered prior to purchasing any travel insurance policy.
Adventure Sports and Activities
World Nomads Travel Insurance has a reputation for catering to the adventurous traveler. That’s because they cover a long list of adventure sports and activities. This means your policy typically covers emergency treatment for an injury sustained while participating in a covered activity. This is not the case for many other insurance providers.
The Explorer Plan, in particular, covers an extensive list of activities above and beyond what’s covered by the Standard Plan. That’s why travelers who know they plan to enjoy some of those activities may wish to opt for the extra coverage.
Included activities vary depending on what country you live in, but for residents of the U.S., over 200 sports and activities are covered. Yes, you read that right, and yes, I counted. I’m not going to list all of them here, but I will give you a snapshot of some gems that jump out at me.
Select Adventure Sports and Activities Covered
|Standard Plan||Explorer Plan|
|Bungee jumping||Cage fighting|
|Dog sledding||Hot air ballooning|
|Kayaking||Rock climbing up to 22,965 feet|
If you ask me, World Nomads covers an impressive list of adventure sports and activities.
Of course, before you buy any travel insurance policy, make sure your planned adventures are covered. And if you’ve got plans to participate in bull riding or skydiving, it’s certainly a good idea to strongly consider the Explorer Plan. I’d also check with World Nomads first, just to make sure you’re covered.
Also of note, if you’ll be traveling with expensive sporting equipment, the Explorer Plan covers you for a fairly sizeable amount in lost baggage or personal effects. The Standard Plan covers considerably less.
What Isn’t Covered
OK, so now that we’ve talked about what a World Nomads travel insurance policy covers, it’s only fair to acknowledge what they don’t cover.
Pre-Existing Medical Conditions
Like most policies, World Nomads travel insurance does not cover pre-existing medical conditions.
Some providers will not cover conditions for which treatment was sought within two years prior to the effective date of the policy. This is called the look-back period.
World Nomads is more lenient than many, since – according to their website – their look-back period is only 90 days. That essentially means that your coverage will likely exclude medical conditions that were present in the 90 days preceding the start of the policy.
Keep in mind that, according to World Nomads, the pre-existing medical condition exclusion applies to emergency medical treatment, trip cancellation, and trip interruption. It does not apply to emergency evacuation or repatriation of remains. So, if your pre-existing condition causes you to cancel your trip or requires emergency medical treatment while you’re away, you’ll have to pay for it out of pocket. If you end up dying from it, World Nomads will pay for your remains to be returned home. (Morbid, yes, but it’s important to know.)
Select Activities and Carelessness
Like I mentioned before, World Nomads Travel Insurance covers an impressive list of adventure sports and activities. However, they don’t cover everything. If you check the World Nomads website and don’t see your preferred activity or sport covered, they ask that you contact them prior to partaking in the activity.
Additionally, World Nomads makes a point of saying that their policies do not cover “carelessness.” On their website, they state:
“But we don’t cover carelessness. You must be acting responsibly at all times and not put yourself deliberately in danger (for instance, riding a motorbike without a helmet in Thailand).”
So, while you may decide to participate in an adventure sport, it is clear that you may not be covered if you are not taking the proper safety precautions.
World Nomads Travel Insurance: Pros and Cons
|Can purchase or renew while traveling||Standard and Explorer Plans do not cover seniors aged 70+|
|Comprehensive plans include both medical and trip insurance||Standard Plan trip insurance may be inadequate|
|Short "look back" period on pre-existing conditions||Pre-existing conditions are not covered|
|Covers over 200 adventure sports and activities||Coverage is not customizable|
|24-hour emergency claims assistance|
Who Should Consider World Nomads Travel Insurance
Anyone looking for medical insurance + trip insurance in one – If you’re looking to protect your trip and your health with one policy, World Nomads travel insurance is an attractive choice. Both the Standard and Explorer Plans include emergency medical coverage AND trip cancellation/interruption insurance for a reasonable price.
Adventurous Travelers – If your idea of a great vacation includes thrill-seeking, then World Nomads has you covered. With over 200 adventure sports and activities covered (for U.S. residents), you can “go all out” with peace of mind.
Wanderlusters Without a Timetable – You can also renew your World Nomads Travel Insurance policy anytime, anywhere. Plans can also be purchased for up to one year in duration. One thing to note: Renewing your coverage means extending the plan you purchased; you can’t upgrade from the Standard to Explorer Plan without buying a new policy.
Who Should Skip World Nomads Travel Insurance
Seniors Aged 70+ – The World Nomads Standard and Explorer Plans only cover travelers until age 69. So, if you’re in the 70+ club, you may want to consider a plan from Allianz Travel Insurance instead.
Frequent Travelers Wanting an Annual Plan – For those who take multiple trips a year, an annual plan may be a better option. Again, Allianz Travel Insurance may be a good option. Learn more here.
Travelers Looking to Customize Their Travel Insurance – Some travel insurance providers allow customers to choose the categories of coverage they’d like to purchase, as well as the amount of coverage. World Nomads doesn’t offer this flexibility. So, if their ready-made plans don’t suit your needs, you should look elsewhere.
How to Buy World Nomads Travel Insurance
If this World Nomads review makes you think the Standard or Explorer Plan would fit your travel insurance needs, getting a quote couldn’t be easier.
Hop online, enter your travel deets, and get a free World Nomads quote in seconds. If you like what you see, you can purchase online then and there.
World Nomads: How to Make a Claim
Hopefully, you’ll never have to make a claim, but if you do, the process is easy.
For plans purchased by U.S. customers after January 1st, 2020, World Nomads offers 24-hour multilingual telephone support through Generali Global Assistance. In the event you need to make a claim, they can help you locate the appropriate facilities and arrange treatment. Claims can also be made online. Here’s their info:
Generali Global Assistance
Outside the U.S.: +1 954-334-8143 (Call collect)
U.S. and Canada: +1 877-289-0968 (Toll free)
For policies purchased by U.S. customers prior to January 1st, 2020 you will need to contact One Call Worldwide Travel Services Network. They also offer 24-hour emergency assistance here:
One Call Worldwide Travel Services Network
Outside the U.S.: +1 603-328-1329 (Toll free)
U.S. and Canada: +1-855-878-9588 (Toll free)
World Nomads Review: Should I Buy It?
In this World Nomads review, we’ve explored what’s included in their two travel insurance plans and how much coverage each provides.
In my opinion, World Nomads Travel Insurance, especially the Explorer Plan, offers robust coverage for travelers who are looking for both medical coverage and trip insurance. It also includes a bunch of other perks, like loss of personal effects.
When it comes to the Standard Plan, the trip insurance coverage is a bit lower than I’d like. That being said, if you have alternate trip insurance (or if you feel the coverage is enough for you), the Standard Plan offers solid medical coverage at an economical price.
With that said, World Nomads is a particularly great fit for adventurous travelers. With over 200 sports and activities covered by their Explorer Plan, I’d highly recommend you check it out.
World Nomads Review
Travel Coverage and Protections
Covered Activities & Sports
World Nomads Travel Insurance Review
World Nomads Travel Insurance, especially the Explorer Plan, offers robust coverage for travelers who are looking for both medical coverage and trip insurance. It also includes a bunch of other perks, like loss of personal effects. The Standard Plan, however, has lower trip insurance than I’d like. But if you have alternate trip insurance or if you think it is enough for you, the Standard Plan offers solid medical coverage at an economical price. World Nomads is a particularly great fit for adventurous travelers who plan to partake in one of the 200 sports and activities covered by their Explorer Plan. Beware that seniors over age 70 are not eligible and coverage is not customizable.