Top5 Review

World Nomads Travel Insurance

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.

world nomads travel insurance mountain view

World Nomads


  • 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.

Product Stats

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 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 or the airline losing your bags, your expenses will be covered.

If an airline loses your bags for more than 12 hours, some of World Nomads’ plans will reimburse you for the total amount of items lost.

Trip Cancellation/Interruption

If you have to cancel your trip for any reason that is covered on their 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, if there is a death in the family or if there’s a natural disaster. Be sure to familiarize yourself with each individual plan and what exactly is covered to avoid a claim rejection.

Customer Assistance

World Nomads is a company made “by travelers for travelers,” so they boast 24/7 multilingual customer service assistance for whatever issue you may need help with. 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 its 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, ziplining
  • Land: Camping, hiking, motorbiking
  • Experiences: Woofing, fruit picking, general farm work, 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 Nomads is geared towards younger travelers, so the age cap for their plans is 70 years old.

Product Features

World Nomads 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 to add it 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.

world nomads travel insurance sand dunes

World Nomads


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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