Are 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 small world nomads travel insurance review.
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, diving and such, a travel insurance simply makes sense.
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.
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.
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.
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 travellers 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 travelling.
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 travelling 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.
Why buy travel insurance from World Nomads?
There is 5 main reasons.
- Backed by specialist insurers and global assistance partners
- Buy Online, even if you’ve already left home
- Buy more cover and claim online while traveling
- Covers a range of adventure sports and activities
- 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’s 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
- Medical Repatriation
- Death Overseas
- Overseas Dental
- Travel Accidents
- Baggage Lost
- 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 details.
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.
Just type in your details and get an estimate rate.
Our review of World Nomads Insurance
As stated in the beginning, we had our insurance with World Nomads.
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.
My best tips for you
There is two major recommendations I want to give you. Whatever insurance you go for, it’s valuable to read them.
My 2nd best recommendation: Read the terms & conditions.
My best recommendation: 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.
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.
Is world nomads worth it?
A 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:
- Call up your own health care in your country
- Ask them:
- What is covered?
- What is not covered?
- Do they have an own travel insurance?
- Ask World Nomads for rates
- What is covered?
- What is not covered?
- 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.
Simple: They have the experience! Our own health insurance were not really experienced with travelers around South East Asia. For 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.
World nomads promo code
At the moment we do not have any world nomads travel insurance promo code for you. Sorry!
We will keep you in the loop with our newsletter. This is where we share insider knowledge and promotional codes to World Nomads and others.
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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 less borders, the better.
Yet, there are a few things that are really essential. I remember a forum a traveler once asked “Do I really need vaccination?“.
There is really a limit to save money you should out by your own.
The most important thing you have: Is your Health!
Not having an insurance can really bite you in the b**. 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?
- That girl that wanted to save money on essential vaccinations, but traveling to exotic destinations.
- That girl 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
- That guy in Vietnam who drove a motorcycle in Flip Flops and then wondered why his feed got burned….
- That guy in Chiang Mai driving a motorbike without a helmet
- 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!
Over to you
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!
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