World Nomads Travel Insurance - A quick look behind the infamous topic of InsuranceAre you looking into your own travel insurance? This is a huge topic. We at Hostelgeeks are traveling full time and we had a look at a few companies out there.

This is our honest and first-hand review of world nomads travel insurance. We cover important (and no-bs) details no-one else seems to care to share.

We have used World Nomads on our travels around South East Asia and Europe. Since we travel with a bit of gear and planned to do some activities like skydiving, motorbiking, diving and such, a travel insurance simply makes sense.

Update: More than 420 users of Hostelgeeks decided to get insurance with World Nomads!

This is our recommendation for getting solid and reliable nomad travel insurance! This medical insurance is especially popular for US-American travelers and Australians.

Although we are (somewhat) experienced travelers, the insurance is always something changing.

Therefore, our best recommendation to find travel insurance: spend a bit of time and read all the terms and conditions.

It’s seriously complicated, but it does not have to necessarily. Below we list how you can avoid getting the wrong insurance and how World Nomads can help you easily.

Personal note: This is a genuine article. It was not paid by anyone! Here we share our first-hand experience as customer. We compare Standard vs. Explorer Plan and share why we think a travel insurance makes sense – any why not!

We cover:

Ninja Look in Vietnam: We got the World Nomads Insurance before motorbiking the country

Ninja Look in Vietnam: We got the World Nomads Insurance before motorbiking the country

We only had good experiences with World Nomads and this is why we recommend it.

The world of insurance is quite complex and there seems to be endless options. When we heard about this company here, it was recommended to us by so many fellow travel mates and even big bloggers. Even the famous Lonely Planet loves World Nomad and our friend Nomad Matt.

After doing a bit more research, it made life simple for us to go with World Nomads.

Update: We like this travel insurance. Therefore, we included a few affiliate links in this article. When you purchase an item over these links, we may receive a small commission at NO extra cost for you. We would not do this unless we think it adds value to your travels.

Allow us to bore you for a while, because, let’s face it, this topic is tiring and maybe even boring, yet: important!

Okay, let us have a look, we will try to make it as easy as possible.

Travel insurance: simple & flexible

As stated, we decided to go with World Nomads. Anna loves to do research, she’s a ninja in this. So after comparing and listening to a few friends, the decision was final.

You can buy and claim online World Nomads, even after you’ve left home.

Quick and simple!

Travel insurance from WorldNomads is available to people from 140 countries.

It’s designed for adventurous travelers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities.

More details with World Nomads
Snorkeling in Tyoman Island - a life jacket was mandatory to wear on the trip

Snorkeling in Tyoman Island – a life jacket was mandatory to wear on the trip

7 things you should know about travel insurance from World Nomads

There is a couple of things everybody wants to know about travel insurance.

This is normal and you should read everything carefully.

1. Trusted reliable underwriters

Many many travelers we met use this company. They gave us the best review of World Nomads, and this is why we had a look and went with them as well.

WorldNomads is backed by a suite of strong, secure, specialist travel insurers who provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most.

2. Value for money with the cover you need

They provide cover for what’s important for travelers from 140 countries.

By focusing on what you need and leaving out what you don’t, World Nomads prices are some of the most competitive online.

3. Flexibility when you need it most

Had a change of plans? You can buy more cover or claim online while you are still away. You can even buy a World Nomads policy if you’re already traveling.

4. Cover for a range of adventure activities

From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, WorldNomads covers a range of adventure activities, giving you peace of mind to get the most from your travels.

Let them know about your travel plans and they can consult you with the correct insurance package to choose.

5. World Nomads keeps you traveling safely

All members have access to up-to-date travel safety alerts, as well as travel safety advice and tips online through the World Nomads Travel Safety Hub.

6. You get more

All World Nomads members can learn the local lingo through a series of iPod & iPhone Language Guides and can stay in touch with family and friends with an online travel journal.

7. Commitment to exceptional customer service

We want to make sure you get the most. You can find out more about why travel insurance is important for your trip.

If you have any questions about your travel insurance or travel safety in general, please contact WorldNomads directly.

Skydiving Insurance? It was a solid idea to get a travel insurance beforehand

Skydiving in Interlaken was a lifetime experience!

Why buy travel insurance from World Nomads?

There is 5 main reasons.

  1. Backed by specialist insurers and global assistance partners
  2. Buy Online, even if you’ve already left home
  3. Buy more cover and claim online while traveling
  4. Covers a range of adventure sports and activities
  5. Give a little back and support a community development project

We also liked the personal note when you are not sure about your coverage. You can just ring them up and they will help you.

To avoid any mistakes in picking the wrong package, let them know about your exact travel plans. They can then help you to get the package you really need. It would be frustrating to have an issue or accident and they realize afterwards it’s not covered.

With every insurance in this world, you have to read and understand what’s covered and even more important what is NOT covered!

Make sure you ask clear questions and again share your actual travel plan and intentions on activities.

You are not doing yourself a favor if you are planning to go for Adrenalin-packed adventure travel, but you get the lowest.

What is covered by World Nomads?

World Nomads travel insurance has been designed by travelers for travelers, to cover trip essentials. What does this mean?

Here is a list of things can they can cover:

  • Delayed baggage
  • Emergency Overseas Medical
  • Pregnancy
  • Medical Repatriation
  • Terrorism
  • Death Overseas
  • Overseas Dental
  • Travel Accidents
  • Baggage Lost
  • Assault
  • Stolen Passports
  • Schengen Area Cover
  • Trip Cancellation
  • Travel Health
  • Stolen Credit Cards

Again these incidents CAN be covered. It all depends on the insurance you purchase. Have a look on their official website on what is covered.

Over there they explain everything in detail.

In regards to experiences, they cover more than 150 activities you love.

Not all activities are covered under every plan. You may have to upgrade the policy and sporting level to make sure you’re covered for everything you plan to do. Please read your policy wording carefully before you buy it.

Here’s this year’s top 10 activities under each category that World Nomads love to do:

Snow

  • Ice Skating
  • Skiing
  • Snowboarding

Water

  • Kayaking
  • Paddle Boarding
  • Sailing
  • Scuba Diving
  • Snorkelling
  • Surfing

Air

  • Bungee Jumping
  • Hang Gliding
  • Hot Air Ballooning
  • Skydiving
  • Zip Line

Sports

  • Volleyball
  • Go Karting
  • Golf

The last item on this list is experiences like WWOOFing, fruit picking etc. This is very popular for budget travelers doing work and travel (or work Away) in countries like Australia, New Zealand and others.

Experiences

  • farm work
  • Teaching
  • Fruit Picking
  • Ski instructor
  • WWOOFing

Again, it is important to check if your planned activities can be covered. Have a look on the official website what is covered.

Snorkeling at the Gili Trawangan, Lombok, Indonesia

Snorkeling at the Gili Trawangan, Lombok, Indonesia

How much is it?

We wish we could give you a flat number. But, you may have realized this already: this seems to be impossible.

Here’s a solution that helps out.

This widget here will help you to get an estimate price for your insurance. Every travel and nationality has different prices, keep that in mind. The price also depends on how long you are traveling, where you are traveling and what you are planning to do.

Just type in your details and get an estimate rate.

 

 

How to get your insurance with World Nomads?

What I really like here is that it’s super simple. And before you pay anything, you get a full, transparent quote. I already said this.

So, how does it work?

First of all, the quote you receive will be depending on your

  • nationality,
  • age,
  • the countries you are visiting and
  • the duration of your travels

Above I included the form to get your first quote.

Last but not least, you can pick a different package: Standard Plan vs. Explorer Plan.

Let us talk about this a bit. Obviously, as you might have already guessed, the two plans cover different items.

World Nomads Standard vs Explorer

I created a case for you to showcase a bit better the standard vs explorer plans of World Nomads.

The quote below is for:

  • US Citizen
  • For 1 month travel (in August in this case)
  • Traveling to Vietnam, Laos, Cambodia and Thailand
  • Traveler’s age is 23

Below you find a detailed table.

 

What you’re covered for:

Standard

Explorer

Emergency Accident & Sickness Medical Expense$100,000 $100,000
Emergency Evacuation & Repatriation$300,000 $500,000
Non-Medical Emergency Evacuation$25,000$25,000
Trip Cancellation$2,500$10,000
Trip Interruption$2,500$10,000
Trip Delay$500$1,500
Baggage & Personal Effects$1,000$3,000
Baggage Delay (outward journey only)$750$750
Collision Damage Waiver (CDW) – where permissibleNot included$35,000
Accidental Death & Dismemberment$5,000$10,000
One Call 24-Hour Assistance ServicesUnlimitedUnlimited
Adventure Sports & ActivitiesStandard Plan Sports & Activities as listed for U.S residentsStandard & Explorer Plan Sports & Activities as listed for U.S residents
TOTAL$131.76 USD  $190.41 USD

So, here you have it. Personally, I was surprised how affordable it really is. For me, I decided to take only the standard plan.

The next one will be for sure the Explorer, in my case.

The reason is simple: The Explorer Plan covers Baggage & Personal Effects up to $3000. When traveling with a laptop and the newest iPhone, it’s worth it!

Standard vs Explorer at world nomads health insurance

Our review of World Nomads Insurance

As stated in the beginning, World Nomads is exactly our only nomad travel insurance.

We had zero issues, everything went smoothly. From the consulting and many many questions we had to payment and extending the insurance.

It’s fair to say: We did not have anything to claim. We were lucky enough to had no lost luggage, no accidents or any sickness during our travels. We even didn’t lose our laptops, never got anything stolen.

*knocking three times on the table*

Even when we traveled 3 months by motorbike through Vietnam.

We hope you will never ever need any insurance. Yet, better safe than sorry.

We would love to give you a super detailed review for World Nomads Insurance.

But, here is the thing: There is no way we can write up a generic review!

Every insurance works different, every insurance covers different issues.

There are so many different policies, that are changing all the time. I wish I could give you the one quick super-solution, but it is clearly impossible.

Yet, this is the reason we like World Nomads.

They actually help you to pick the right plan for your travel plans. Again, it is super important that you are honest with your insurance agent. If you planning to go scuba diving, then do not pretend it is only a beach holiday.

If anything happens and you need to go to a hospital due to a scuba diving accident, no insurance in this world will cover you.

Important: If your plans change during your travel, you can always call them and upgrade your plan!

This is exactly what I did.

My own experience: I never planned to go scuba diving. When we arrived at Gili Castle Hostel on the Gili Islands, Lombok, Indonesia, I decided to give it a go. The local scuba instructor usually also have the possibility to sell you extra scuba insurance. I called up my insurance agent, and I was covered.

Done!

Here is world nomads phone number, listed by country:

Australian and New Zealand Residents:

  • Phone: +61 2 8263 0470; or
  • Phone: +61 2 8292 1470 (reverse charges* via an operator from anywhere in the world)

Brazilian Residents

  • Phone:+45 70 23 24 61 (calls are not toll free. You can claim your itemised call costs)
  • Text message: +45 42 41 30 00 (include your policy number in the text message. No phone calls.)

Canadian Residents

  • Phone: +1 866 878 0192 (toll-free from Canada and the Continental U.S.); or
  • Phone: +1 416 646 3723 (collect from anywhere else in the world)

UK and Irish Residents

  • Phone: +44 20 7183 3751 (Call via an operator reverse charges*. Not toll free.)
  • Phone: 020 7183 3751 (from the UK)

U.S Residents

  • Telephone: +1-855-878-9588 (toll free within the US and Canada)
  • Telephone: +1-603-328-1329 (toll free outside the US and Canada)
  • Telephone: +1-603-328-1384 (Collect*)

Residents of all other countries

  • Phone:+45 70 23 24 61 (calls are not toll free. You can claim your itemised call costs)
  • Text message: +45 42 41 30 00 (include your policy number in the text message. No phone calls.)

My best tips for you

There is two major recommendations I want to give you. Whatever insurance you go for, it’s valuable, no, crucial to read them through. Carefully!

My 2nd best recommendation: Read the terms & conditions.

My best recommendation: Always Ask if in doubt!

What we really like about this company? You can contact an agent and ask everything that is not clear to you. No matter how „stupid“ this question may sound to you, ask it! Do not leave anything unclear for you, you have to know what you are buying and what not.

Just let them know about your travel plans with details like

  • countries you plan to visit
  • your nationality
  • your age
  • duration of your travels
  • planned activities

They will help you to find a suitable package for you.

After all, this is what we did.

More details with World Nomads

Is world nomads worth it?

A worldnomads travel insurance is definitely always a good and safe idea!

Now, if World Nomads is worth it? If you need travel insurance, then yes!

I am not gonna lie to you, there is obviously more agencies offering this service. It’s important to mention this, because we want you make a good decision about this issue here.

But, here is the thing: A few insurance of our friends from Germany for instance covers certain activities and time travel abroad. If you have an insurance that covers already your travel plans, then you do not need to get anything extra.

Please pay attention: Ask your actual health insurance first what is covered – and what is not!

Therefore, here is our action guide to insurance:

  1. Call up your own health care in your country
  2. Ask them:
    1. What is covered?
    2. What is not covered?
    3. Do they have an own travel insurance?
  3. Ask World Nomads for rates
    1. What is covered?
    2. What is not covered?
  4. Compare the prices and coverage with Worlds Nomads vs your own insurance

In our case our health insurance would have been the same price as World Nomads. We decided to go with WorldNomads.

Why?

Simple: They have the experience! Our own health insurance was not really experienced with travelers around South East Asia. Inside Europe they were really experienced. Hence, we are Europeans.

Yet, we wanted the coverage more for Thailand, Vietnam, Malaysia and Indonesia, Sri Lanka and Maldives.

Quick real story: I twisted my keen and broke my meniscus in Bali. Painful, very painful. I had to go to the hospital. The simple treatment (X-ray, crutches and pain killers) cost me $350. The worst part? I had to pay it out of my own pocket. My insurance just expired after 4 months traveling. And I thought: Well, I never used it, I don’t need it…

Well, that backfired in many ways!

I was lucky though since it was „only“ $350. Surgery and such could get easily in the thousands…

Not a staged photo: Matt in a wheelchair after the accident in Bali

Not a staged photo: Matt in a wheelchair after the accident in Bali

World nomads promo code

We all love promocodes and coupon codes. I mean, discounts are big deal for budget traveller, obviously.

The bad news is, at the moment we do not have any world nomads travel insurance promo code for you. Sorry!

The good news: We requested a coupon code for our users.

We will keep you in the loop in our newsletter. Just subscribe here if interested and we will send you over the code – if we are successful!

In our newsletter  where we share insider knowledge and promotional codes to World Nomads and others.

Subscribe here, it’s free

FAQ about World Nomads

Here we walk you a bit through common questions we had to ask ourselves before purchasing our first insurance.

Questions?

If you have any other questions, please leave a comment below.

We would be happy to add this to the list so we all help with our fellow travelers to make a better choice.

Can you get insurance while already overseas?

Yes! You can get your health insurance whenever you want. You can also always extend.

What about pre-existing medical conditions?

This policy changed in 2017. and is worth it to keep an eye on.

Pre-existing conditions, unless they are controlled and stable, are not covered for

  • Trip Cancellation,
  • Trip Interruption,
  • Accidental Death and Dismemberment,
  • Emergency Sickness Medical Expense,
  • and Emergency Accident Medical Expenses.

A pre-existing condition is defined as a something that you have showed symptoms of, been treated or tested for, recommended you be tested for, or received a prescription for in the 90 days prior to the effective date.

If this applies to you, then check with your agent directly. Again, it is not worth it to lie about it. Be open and upfront with what you got, what you want. This, and only this, will pay off.

World Nomads Claim – how does this work?

It could not be easier: do it online!

If you’re a World Nomads member (I recommend to register with them and have an account), you will just need to log in and follow the claims path.

There is a tab for claim your insurance.

Here you also have to upload/ attach your supporting documents like medical statements, bills etc. No worries, the claims path is easy. To settle any claim, you need to send in certain documentation. World Nomads Insurance strongly suggests that when you do this you take photocopies so that if items get lost in the mail, they can avoid further settlement delays.

Depending on the type of claim the documents can be:

  • Any reports or reference numbers obtained from the police,
  • hospitals or the responsible authority.
  • Proof of purchase for all lost, stolen or damaged items.
  • English translations of all documents (not required for UK/Irish residents).

Therefore:

Step 1: complete submission of your claim online

Step 2: get your documentation together

Step 3: send in your documentation (everything is online!)

Now you only need to keep an eye on your account in World Nomads. The agent might get back to you with further questions or requests for other documents (if needed).

Important: Always get the bills and official documents from the doctor, hospital, police!

They have the support 24/7 and all year around. You are covered!

How long will it take to settle a claim?

It takes a while. But, this is normal for any insurance – whether it’s your car insurance, health insurance, travel insurance. It does not matter.

Most claims with World Nomads take between 1 – 2 months to settle. Others can take longer than that. This often depends on how quickly you can get the required documents, answer further questions etc, as stated above.

Important: No insurance in this world can instantly resolve your claim.

This is almost impossible since there is a few steps an insurance has to follow before they can reimburse you for instance.

Extending your insurance

You can buy your insurance on a monthly basis. Once it expires, or actually before it expires, you will get notified.

You can always extend your insurance.

Alternatives to World Nomad

Is world nomads good travel insurance? Yes it really is, we experienced it first-hand.

Yet, I am not going to pretend World Nomads is the only travel insurance in the world. There is obviously many agencies, like BMC Travel insurance, True Traveller Insurance, IMG Patriot, Orbit protect insurance.

Personally, I can only review World Nomads as an insurance.

I did not try any other since it gave me a great quote. It was the only one I used. Therefore, we cannot say anything against or in favor of the other companies.

Update: by July 2018, more than 420 users of Hostelgeeks used our recommended travel insurance.

Make a difference: Donation

Just on a side-note, I would like to mention the NGOs World Nomads works with and you can support.

Giving a little back to the communities in which we travel is the right thing to do. So far World Nomads customers have raised over $2 Million. 100% of all donations go to the program you choose.

During your process of purchase you can choose between 3 programs to support. You can donate between $0 and $10. You can also decide not do donate, no worries!

Donation with World Nomads Health Insurance

Last notes about Budget Travel and saving money

We know, Budget Travel means you save money wherever you can.

Finding the cheapest flights, hotels, hostels, activities, free things to do…you name it! Backpacking is fun, traveling is a lifetime experience. The more borders you cross, the better.

Yet, there are a few things that are really essential. I remember in a forum a traveler once asked „Do I really need vaccination?„.

There is really a limit to saving money; risking your health is out of limit.

The most important thing you have: Is your Health!

Not having an insurance can really bite you in the a**.

Read: 10 most common backpacker mistakes

We are not trying to make you afraid, it will be your final decision. But we want to give you a few tips on the hand on WHY insurance makes sense, but also HOW you can avoid stupid accidents and limit the risk.

The most important thing you have: your Health!

Why do I mention this?

We have seen quite some crazy people not caring a bit about their health.

Examples?

  1. That girl that wanted to save money on essential vaccinations, but traveling to exotic destinations.
  2. That hostel girl we met in Lombok that had a terrible scooter accident in Bikini and shorts – and was bleeding all over. No bone was cracked, but she had a „souvenir“ for the net 6 months, this is my guess on how long her skin needs to recover
  3. That guy in Vietnam who drove a motorcycle in Flip Flops and then wondered why his feed got burned….
  4.  That guy in Chiang Mai driving a motorbike without a helmet
  5. This girl in Bali that passed out drunk as a monkey on the beach and got stolen everything in her pockets.

You see, there’s a few things you can limit.

The best insurance is the one you will never need, but is always there!

I am not trying to scare you. Again, this is a genuine article. Whenever I write an article for our readers, I only give recommendations I would give my sister.

If you made it that far in my review of World Nomads Health insurance, it is time to get a quote.

You can get your first free quote directly at WorldNomads.com

Get a quote with World Nomads

Over to you

Do you have any questions? Anything unclear? Please leave us a comment below. We would be keen to help, and we would love to make this review

Also, we would love to hear your own review of World Nomads Insurance. Did you have any experience? How did you use it?

We would love to have you on board and hear your positive and negative feedback.

Just leave a comment and let us know!

Safe travels and take care,
Anna&Matt

P.S.: Check out as well the best hostels in the world, the 5 Star Hostels. And make sure you check our recommended flight-booking engine.

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World Nomads Travel Insurance - A quick look behind the infamous topic of Insurance