World Nomads Travel Insurance has been a trusted companion for globetrotters since its establishment in 2002. Renowned for its comprehensive coverage and commitment to ensuring travellers’ peace of mind, World Nomads has become a go-to choice for those seeking reliable protection during their adventures.
Underwritten by Nationwide, the company offers two distinct plans—the Standard Plan and the Explorer Plan—each tailored to cater to diverse travel needs.
What sets World Nomads apart is its specialized coverage of over 200 adventurous activities, including thrilling pursuits like dog sledging, rock climbing, and deep-sea fishing.
Whether you’re an athlete, adventurer, or international volunteer engaged in high-risk work, World Nomads has crafted plans to suit your unique requirements.
The array of coverage spans trip cancellation and interruption, emergency medical expenses, travel delay, baggage protection, and more.
Moreover, the plans include access to a 24/7 emergency assistance hotline, ensuring immediate support in times of crisis.
As you embark on your journey, it’s crucial to understand the coverage specifics, exclusions, and the straightforward claims process offered by World Nomads.
With a commitment to facilitating worry-free travel, World Nomads Travel Insurance stands as a reliable ally for those eager to explore the world with confidence.
World Nomads overview
World Nomads has been in the business of providing travel insurance since 2002, with all their travel insurance plans being underwritten by Nationwide.
Individuals involved in sports or adventurous activities may find World Nomads travel insurance appealing due to its extensive coverage for potentially risky pursuits.
Additionally, international volunteers engaged in high-risk volunteer work, such as construction or volunteering in disaster zones, may find World Nomads plans suitable for their needs.
World Nomads presents two distinct plans, each with varying benefits, limits, and sub-limits for coverage. To ascertain whether either of these plans aligns with your requirements, we recommend reading our comprehensive World Nomads travel insurance review.
World Nomads offers two travel insurance plans
World Nomads presents two travel insurance options: the Standard Plan and the Explorer Plan. Before making a purchase, obtain an online quote to effectively compare these plans.
It’s important to note that upgrading your plan mid-trip is not possible. However, if you decide to extend your travels, World Nomads allows you to purchase additional coverage.
Both the Standard and Explorer plan to encompass emergency travel medical insurance with coverage up to $100,000.
Additionally, they include trip cancellation insurance, trip delay and interruption insurance, baggage coverage, and accidental death and dismemberment coverage.
Both plans also provide access to a 24/7 emergency assistance hotline staffed by multilingual assistants who can assist you in connecting with medical treatment and transportation during emergencies.
World Nomads Standard Plan
This cost-effective plan provides coverage for all the typical aspects of a travel insurance plan, albeit with lower coverage limits compared to the Explorer Plan.
Notably, it extends coverage to over 200 adventurous activities, including but not limited to dog sledging, glacier walking, ice fishing, zip lining, bungee jumping, moped biking, tree climbing, sailboarding, triathlons, deep-sea fishing, and skateboarding. The specific covered activities may vary based on your country of residence.
World Nomads Explorer Plan
The Explorer plan from World Nomads encompasses all the features of the Standard plan but elevates the coverage limits for various aspects while introducing coverage for nearly 80 adventure activities.
Added activities covered under the Explorer Plan encompass backcountry snowboarding, heli-skiing, free diving, shark cage diving, skydiving, running of the bulls, and rock climbing.
World Nomads travel insurance covers
World Nomads travel insurance encompasses various key types of coverage bundled together in their policies:
Trip Cancellation and Interruption
This includes insurance for trip cancellation and trip interruption, reimbursing you for prepaid, non-refundable trip expenses if you need to cancel or cut short your trip due to covered reasons.
These typically include severe weather, illness, injury, or death of you, your travel companion, or a close family member.
Emergency Medical Expenses and Evacuation
Travel medical insurance and medical evacuation coverage assist in paying hospital bills and medevac expenses in the event of illness or injury during your trip.
If your trip is delayed for six hours or more due to reasons specified in the policy, travel delay insurance helps cover the costs of accommodations, meals, and local transportation during the delay.
Baggage insurance covers lost or stolen baggage, excessive baggage damage, and baggage delayed more than 12 hours, but only on your outgoing journey.
Travel Assistance Services
Generali Global Assistance provides 24-hour assistance services for World Nomads, offering multilingual travel agents who can assist in various situations.
These services include help in locating a physician and coordinating emergency medical transportation and care.
World Nomads travel insurance doesn’t cover
World Nomads travel insurance, like many other providers, does not provide coverage for certain situations.
Common medical claims excluded from World Nomads travel insurance include:
- Injury sustained while intoxicated on drugs or alcohol.
- Injury resulting from reckless behaviour.
- Certain pre-existing medical conditions.
- Non-emergency treatments.
- Routine medical exams.
- Normal labour and childbirth.
- Intentional self-harm.
- Suicide or attempted suicide.
Additionally, there are specific adventure activities that are not covered, such as base jumping and mountaineering over 22,965 feet.
It is crucial to carefully review your policy to understand any exclusions before embarking on your travels. If you find your policy unsatisfactory, you have a 10-day window to request a refund.
Filing a claim with World Nomads
Initiating a travel insurance claim with World Nomads is facilitated through their accessible 24/7 online portal. To commence the process, log in to your member account and proceed with the provided prompts.
Answer the relevant questions about your claim, upload any necessary documents, and conclude the claim process by clicking the declaration.
Following this, you should receive an email confirmation containing your assigned claim number.
It is advisable to keep your policy number readily available, especially when filing a claim or reaching out to the 24-hour Emergency Assistance Team during your travels.
World Nomads Travel Insurance emerges as a steadfast guardian for global explorers, providing a safety net that allows adventurers to embrace the unknown with confidence.
With a rich legacy dating back to 2002, World Nomads has consistently demonstrated its commitment to ensuring the well-being of travellers.
The flexibility and diversity of coverage, ranging from standard plans to those catering to extreme adventurers, showcase a thoughtful approach to meeting the varied needs of the modern wanderer.
Moreover, the emphasis on transparency, with clearly outlined coverage details and exclusions, instils trust in policyholders.
The efficient online claims process and round-the-clock emergency assistance further underscore World Nomads’ dedication to delivering unparalleled service.
As travellers face the unpredictable nature of the globe, World Nomads Travel Insurance remains an indispensable companion, offering not just coverage, but peace of mind for those who seek to make the most of their journeys.
How do I know if my specific adventure activity is covered by World Nomads?
World Nomads provides a list of covered activities in their policy documents. It’s essential to review this list to determine if your planned adventure activity is included in the coverage.
What should I do in case of a medical emergency while travelling?
If you encounter a medical emergency, contact the 24-hour Emergency Assistance Team using the provided contact details in your policy. They can assist you in finding medical care and guide you through the claims process.
Can I purchase World Nomads travel insurance if I’m already on my trip?
Unfortunately, you cannot purchase or upgrade your plan mid-trip. However, if you decide to extend your travels, World Nomads allows you to buy additional coverage.
Are there any countries or regions not covered by World Nomads?
World Nomads provides coverage for a wide range of destinations. However, it’s essential to review the list of excluded countries or regions in the policy documents to ensure your destination is covered.
How long does it take for a travel insurance claim to be processed?
The processing time for a travel insurance claim can vary. Once you’ve submitted all necessary documents through the online portal, World Nomads will assess your claim. You should receive updates on the status of your claim, and the processing time can depend on the complexity of the case.