World Nomads Travel Insurance Review
Summary of Product
World Nomads travel insurance is an insurance company that caters to independent and unconventional travelers. Their products are designed for young, adventurous travelers who want to be prepared in the case of something going wrong. World Nomads insurance is marketed towards travelers looking for flexible, reliable travel insurance.
Think of a young backpacker, a nomadic freelancer or your digital nomad prototype, this is who World Nomad is catering to.
Pros and Cons
- There is an option to extend your coverage while already abroad
- Extensive sporting equipment and extreme sports coverage
- Some countries not covered by World Nomad
- Payout limits are low for basic level plans
Medical and Dental Coverage
World Nomad offers both medical and dental travel insurance plans for every type of traveler. They cover up to 100,000 USD in medical expenses, and for extreme sports and activities that are high risk, you can find policies that they cover as well.
From emergency medical assistance to trip cancellation, you can expect to be covered with World Nomads. In the case of an emergency, you can rely on World Nomads for medical evacuation or even repatriation should the physician order it.
Lost or Stolen Baggage
In the case of baggage theft and or the airline losing your bags, you will be covered. Finding a plan that will cover your expenses and reimburse you for the total amount of items lost.
If an airline loses your bags for more than 12 hours some of World Nomads plans will reimburse you.
If you have to cancel your trip for any reason that is covered on this list, World Nomads will cover the expenses of the trip. The acceptable reasons that a trip will be reimbursed are if you or a family member gets sick, if the tour company goes out of business, or if there is a death in the family or a natural disaster. Be sure to familiarize yourself with each individual plan and what exactly is covered to avoid a claim rejection.
World Nomads is a company made by “travelers for travelers” so they boast a 24/7 multilingual customer service assistance for whatever issue you may need. Stuck in a dilemma in Beijing and don’t speak any Mandarin? When you’re in the hands of World Nomads you don’t have to worry about language barriers in order to get your assistance. At any time of the day, you can expect to be assisted in your native language.
Adventure Activity Coverage
The selling point of World Nomads insurance is definitely it’s coverage options for adventure travelers. They offer an astounding 150+ different types of coverage for those who are embarking on more active trips. World Nomads is all about pushing your boundaries while you explore the world, and that means also being covered in the case of an accident. For travelers who are into adventurous, outdoor or extreme sports, World Nomads is the perfect option for you.
A few of the types of coverage offered are:
- Snow: Snowboarding, Ice skating, Bobsledding, Snowmobiling
- Water: Canoeing, Kayaking, Scuba Diving, Surfing
- Air: Skydiving, Bungee Jumping, Zip Lining
- Land: Camping, Hiking, Motor Biking
- Experiences: WWoofing, Fruit Picking, General farm work, And most Sports
Be sure to read the terms and conditions carefully before booking with World Nomads as some plans require policy upgrades for certain activities.
What is not covered?
World Nomad is geared towards young travelers, so the age cap for their plans is 70 years old.
World Nomad is a company created by and for travelers who are independent and free-spirited. One of the things that set them apart from other companies is the ability to buy additional coverage while traveling. This type of perk caters to travelers who are backpacking or doing long-term travel and don’t have strict time restraints. With World Nomads you are able to purchase coverage mid-trip without any hassle.
Already left on your trip and want to ensure it while you’re already abroad? World Nomads also offers you plans that you start while already traveling. So if you forget to book a plan before you leave or if you decide mid-trip, you can still be covered. You can also file a claim while you’re traveling by using your device and uploading documents directly from your phone.
Just like all travel insurance companies, it is difficult to assess the costs of a plan because the price depends on multiple factors. However, because World Nomads is popular among backpackers and long-term travelers, we’ve used a hypothetical pricing to give you an idea of how much your plan could cost. For a 3-month backpacking trip throughout Asia, you can expect to pay a little under $3 a day which is totals to around $251. This is incredibly cheap compared to most travel companies and includes coverage in multiple destinations.
Top5 recommends World Nomads insurance, especially for adventurous, free, long-term travelers. For those nomads who find themselves traveling to places with potential health risks and/or a lot of adventure activities, this would be the perfect provider for you. Because of their unique types of coverage, World Nomads may not be the top choice for big family trips or resorts. But if you’re looking for an easy, flexible company that will have your back in the face of an emergency, World Nomads should be at the top of your list.
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