Cost: Flexible travel insurance. Prices depend on:
- Emergency medical coverage limits
- Age of the insured
- Country of origin and destination
- Trip duration
What is World Nomads travel insurance?
In business since 2002, World Nomads is an emergency medical insurance provider for international travelers. The company specializes in nomad insurance and adventure holidays. World Nomads provides 24/7 emergency services through its partnership with Generali Global Assistance. Clients have medical benefits, trip protection, and lost luggage insurance. All applications and claims are conveniently online, perfect for travelers on the go because you can access your insurance anywhere and at any time.
World Nomads provides insurance for more than 150 sports and activities, covering medical costs, evacuation, and repatriation. It's an insurance for adventurous travelers, as it covers emergency medical expenses typically not covered by most travel insurance companies.
How does World Nomads travel insurance work?
Here's a quick overview of how World Nomads international travel insurance works:
- Buy travel insurance online: Provide trip information, like travel dates, destination, and place of residence.
- Insured period: What are the trip start and end dates?
- Coverage components: World Nomads travel insurance typically includes coverage of travel aspects like medical emergencies, trip cancellations, and lost personal property. It also includes trip interruption and trip cancellation coverage. Inclusions and coverage limits vary depending on the plan you buy. Always review the policy details to understand what is covered and to what extent. Digital nomads should take note that travel insurance is not designed to cover ongoing treatments or illnesses overseas and the medical coverage is only for overseas medical emergencies.
- Adventure activities: One of World Nomads’ major features is the adventure activities coverage. If you plan to engage in activities like hiking, scuba diving, or skiing, find out whether these activities are covered and if there are any exclusions.
- Emergency assistance: World Nomads provides 24/7 emergency assistance services. Travelers can contact the assistance hotline in case of emergencies.
- Claims: If a covered incident occurs, quickly inform World Nomads Travel Insurance via an online claim. You must also provide documents, like medical reports and proof of expenses.
- Claim payment: You will receive payment of approved claims up to the limits specified in your policy.
How much does World Nomads travel insurance cost?
World Nomads has two travel insurance plans:
- The Standard Plan – covers all standard travel risks, including overseas medical costs, luggage insurance, and pre-trip cancellation. It has lower coverage limits than the Explorer Plan.
- Explorer Plan – The more expensive option has additional benefits and higher benefit limits.
You can customize either plan to suit your travel activities. Understand the benefits and terms and conditions before you sign up. Upgrading from the World Nomads' Standard to Explorer plan part-way through the trip is not an option. You may not add adventures to your insurance mid-trip, so ensure that you’re covered for all eventualities.
To find out how much the insurance coverage would cost us, we requested a quote for a week’s travel from New York to Germany. The Standard Plan came in at $76.58, and the Explorer Plan at $123.34.
The World Nomads' Standard Plan includes:
- Trip interruption coverage up to the trip costs
- Trip delay up to a maximum of $500, paid at $250 per day
- Lost luggage and personal effects of up to $1,000
- Baggage delay of up to $750, calculated at $150 per day
- Accidental death and dismemberment $5,000
- Global medical expenses of up to $100,000
- Emergency evacuation coverage or repatriation of remains $300,000
- Emergency dental costs $750
- Hospital advancement $500
With the Explorer Plan, World Nomads have higher coverage limits for each insured event. The Explorer plan also covers rental car damage of up to $10,000.
What sets World Nomads apart from other travel insurance companies?
World Nomads offers users several excellent features. The standout aspect of this travel insurance is, of course, its extensive adventure coverage. Here is a rundown of some of World Nomads’ more important features.
Adventure Travel Insurance
World Nomad’s Travel Insurance stands apart from other travel insurance products in that it covers a range of dangerous and extreme activities. With the Standard Package, you’re covered for activities like windsurfing, biking, and resort skiing, as well as more dangerous activities like bungee jumping. If you want cover for activities like alpine skiing and scuba diving, you can get that too, but for a slightly higher premium on the Explorer Plan.
If you have the Explorer Plan, you can add a rental car damage rider. World Nomads allows travel insurance customization. You can add adventurous activity coverage to the regular insurance plans as required.
Travel Insurance Coverage for Children
World Nomads policies also cover children traveling with you. The insured children must be 20 or younger and not in full-time employment. The child must accompany you for most of the trip, and the insurance certificate must carry the names of the insured children.
Online Travel Insurance Claims
Online claims submission makes claims quick and easy. Claiming online while traveling is more convenient as there are no calls to make and no need to visit a brick-and-mortar insurance office. Your claim form is as close as your smartphone. You can also extend your current insurance using the online insurance platform.
Where World Nomads travel insurance falls short of
All travel insurance companies have shortfalls, and World Nomads is no exception. Here are some of the negative features of World Nomads’ travel insurance.
Travel insurance terms and conditions
The insurance costs and coverage provided depend on your country of residence. You must understand all the terms, conditions, and exclusions of your medical insurance before you travel. You don’t want any surprises at a time when you need emergency medical care.
Cost
World Nomads travel insurance may cost more than many other travel insurance companies. Still, you get what you pay for. Not many travel insurance companies offer emergency medical and health coverage for extreme sports and adventurous travelers.
Medical Coverage for Pre-Existing Conditions
Even though World Nomads can cover some medical expenses, travel insurance can't cover everything. Pre-existing conditions are generally not covered, so you'll need to read your policy coverage very carefully. The definition of pre-existing conditions can include any condition you experienced within a specified period of time before you purchase the policy.
Who should use World Nomads travel insurance
If you're an adventure sports rider or a digital nomad with an adventurous soul, World Nomads covers your needs. Few insurance companies specialize in travel medical insurance with adventure sports coverage, as well as World Nomads. This insurer covers a wide range of adventure activities.
Medical coverage includes medical expenses, emergency medical evacuation, and repatriation.
Who shouldn’t use World Nomads' travel insurance?
World Nomads international travel insurance is not the cheapest product on the market. If you have a tight travel budget, this may not be the best insurance company for you. Leisure and business travelers may not need adventure sports coverage, so World Nomads' cover may not suit you. Some digital nomads also prefer to buy multi-trip insurance. If you travel frequently, this may be the cheaper option.
How to buy World Nomad travel insurance
You can do all your travel insurance transactions online with World Nomad travel insurance. Go to the World Nomad home page to request a quote for your travel insurance.
You’re presented with a simple form that includes your cities of departure and destination, the dates of your trips, and your age. You’ll immediately receive a quotation for both plans with the insurance events covered. You choose the plan that you want and pay online.
How do World Nomads stand up against the competition?
How do World Nomads compare when it comes to medical coverage? Let's check the competitors.
Safety Wings Vs World Nomads
Safety Wings is a popular travel insurance choice for remote workers. The company sells subscription-based insurance, allowing travelers to stop and start their travel insurance as required. The insurance covers illness and accidents for traveling freelancers. It also covers emergency evacuation and travel delays, but there is no cancellation coverage. Safety Wings is considerably cheaper than World Nomad, but the adventurous traveler will miss out on the substantial coverage that World Nomad offers for adventure sports. Both insurers have 24/7 support.
Allianz Global Assistance
If you travel several times a year, you may prefer an option where you can buy an insurance plan that covers multiple trips. Travel insurance provider, Allianz Global Assistance sells health insurance of this sort. Multi-trip travel medical insurance is less expensive than travel insurance for separate trips. Unlike World Nomads’ travel insurance, Allianz Global Assistance doesn’t cover certain adventure sports or COVID-19. Allianz Global has three plans. They can cover periods for up to a year. The Basic insurance plan covers medical emergencies but has no trip interruption or cancellation coverage. For those benefits, you’ll have to upgrade to the Prime or Executive insurance plans.
Insured Nomads vs World Nomads
With four plans on offer, Insured Nomads specializes in, you guessed it, medical insurance for digital nomads and ex-patriot workers. The insurance plans cover single long-term, and multiple-trip travel insurance for international travelers. Insured Nomads, like World Nomads, offer adventure sports coverage. This insurance will cover an acute bout of a pre-existing condition, but extreme sports are excluded. The insurance plan costs vary depending on coverage limits and inclusions.
Is World Nomads travel insurance a good fit for you?
Are you an adventurous type looking for your next big thrill? Don't travel without the relevant insurance. Let's face it. The adrenalin boost that gets you going is also a warning that these adventures are dangerous. Ensure that you're covered if you need emergency medical care or emergency evacuation from a remote area. Nomad travel insurance covers most adventures and many extreme sports. It's a good fit for adrenalin junkies.
FAQs
Can I extend my World Nomads Travel Insurance?
Yes, you can extend your Travel insurance by taking a new plan starting when the old plan ends.
Does World Nomad's travel insurance cover pre-existing medical conditions?
Like most travel insurance providers, World Nomads' policy does not provide for medical treatment of pre-existing conditions.
Which are the best travel insurance companies?
The best travel insurance companies will differ from person to person. Find a reputable firm that offers insurance coverage to suit your travel plans.