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.

Our first choice was the World Nomads Travel insurance.

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.

After all, we want you to enjoy life, your travels AND stay safe while doing so.

We have used World Nomads on our travels around South East Asia, Europe and Middle East.

Important update: We are currently looking into having our full team insured with Safetywing. It is a long-term travel insurance. More on that below.

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.

We cover in detail:

This is our recommendation for getting solid and reliable nomad travel insurance!

This medical insurance is especially popular for US-American travelers and Australians. More on that later.

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.

Yes yes, we know and we are sorry! But here is the thing: it really depends on your trip of travel, where you are from, pre-existing injuries and such. It’s or at least can be seriously complicated, but it does not have to necessarily be.

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 customers.

We compare Standard vs. Explorer Plan and share why we think travel insurance makes sense – and why not!

Important: We will not talk you into buying insurance. It is your own decision; we are not your parents. Obviously, we give our honest opinion as a friend, based on experienced and other traveler stories.

Please check first if you are already covered by your own insurance. Maybe you don’t need another one, check that now! If you have doubts, call your current insurance in your home country!

The links we included in this guide are so-called affiliate links.

Meaning, when you purchase your insurance, we will receive a small commission – at NO extra cost for you. Please read until the end to see if you actually need insurance.

We would not do this unless we think it adds value to your travels.

Hostelgeeks: Anna&Matt

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. This is why we recommend it; obviously.

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 Nomadic Matt likewise.

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

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, back in 2016 we decided to go with World Nomads.

Anna loves to do research, she’s a research ninja. 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 World Nomads is available to people from 130 countries. That is especially useful since our team has different nationalities. It was interesting to see that the German insurance was more expensive than the Spanish.

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, Malaysia – 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. Please, again: Carefully!

1. Trusted reliable underwriters

Many many travelers we met, and even many travelers in our Hostelgeeks community use this company.

They gave us the best reviews of World Nomads, and this is why we had a look and went with them as well.

World Nomads 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.

They have been around since 2002, and that tells you already something about them, right?!

2. Value for money with the cover you need

They provide cover for what’s important for travelers from 130 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 and Motorbiking in Vietnam, World Nomads 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. It is a kind of a blog.

Personally, we did not use this, since we have our own family groups on WhatsApp.

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 World Nomads directly or leave us a comment below.

We would love to help, when we can.

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

Skydiving in Interlaken, Switzerland 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

  • Bobsledding
  • Ice Hockey
  • Ice Skating
  • Kite Wing
  • Skiing
  • Ski Joring
  • Snowboarding
  • Snow kiting
  • Snowmobiling
  • Tobogganing

Water

  • Canoeing
  • Kayaking
  • Paddle Boarding
  • Sailing
  • Scuba Diving
  • Snorkeling
  • Surfing
  • Tubing
  • Windsurfing

Air

  • Aerial Safari
  • Ballooning
  • Bungee Jumping
  • Hang Gliding
  • High Diving
  • Hot Air Ballooning
  • Passenger in a commercial aircraft
  • Skydiving
  • Tandem Skydiving
  • Zip Line

Land

  • Bushwalking
  • Camel Riding
  • Camping
  • Caving
  • Elephant Riding
  • Hiking
  • Orienteering
  • Motorbiking
  • Mountain Biking
  • Trekking

Sports

  • Baseball
  • Basketball
  • Cricket
  • Fencing
  • Go Karting
  • Golf
  • Hockey
  • Tennis
  • Ultimate Frisbee
  • Volleyball

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

  • Childcare work
  • General farm work
  • Hospitality
  • Restaurant
  • Teaching
  • Fruit Picking
  • Admin work
  • Ski instructor or Snowboard Instructor
  • Office work
  • WWOOFing

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

Matt and a friend Snorkeling at the Gili Trawangan, Lombok, Indonesia

Matt and a friend Snorkeling at Gili Trawangan Island, Lombok, Indonesia

How much is it?

Before you say “Travel Insurance is too expensive”, let’s have a look.

My dad always says “Before saying you cannot afford it, always check prices first. It may be cheaper than you think“.

I have to admit, he was right quite a lot of times.

So, how much is it? I wish I could type right now a fix number for you.

But, you may have realized this already: this seems to be impossible. Again, our team has different nationalities. And everybody pays something different.

To give you an idea, we pay anything between 40€ to 90€ per month.

Luckily, there is a super simple solution.

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.

You can also email the quote to your own email. Very helpful!

So, instead of guessing around, type in your details and get a quite directly. This is FREE!

How to get your insurance with World Nomads?

Okay, by now you should have an estimated price, right?! You may be surprised how affordable it is; or how expensive and want to cancel now your trip.

Confession: I always thought it would be much more expensive. But again, my Dad convinced me to at least have a look.

Okay, let us assume you liked the price you saw. How can you take it from there?

What I really like here is that it’s super simple. And before you pay anything, you get a full, transparent quote. I cannot emphasize this enough.

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

  • nationality (country, maybe state too)
  • your age
  • the countries you are visiting and
  • the duration of your travels

Above I included the form to get your first quote.

Step 1: Choose your plan

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.

Step 2: Sign Up with your Name and Email

This is pretty simple and regular too. You type in your name, surname, email address, address, maybe even an alternative travel address, date of birth and your phone number.

Your phone number is very important! Make sure your email and phone number is up to date!

Then you have to agree to the terms and conditions. Standard, again.

You have to confirm the following:

  • I have read, understood & agree to the conditions in the policy, and agree to receive all policy documents electronically.
  • The coverage provided in the plan are secondary coverage
  • I am a citizen of XYZ
  • I would like to receive the latest news, deals & opportunities by email. (optional)

Step 3: Payment

And you made it to the payment form. You can pay only via credit card:

  • Visa
  • Master Card
  • American Express

PayPal or wire transfers are not possible at this point.

World Nomads Standard vs Explorer

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

There is only two different packages you can choose from.

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, we are fans and we use it ourselves. This is our extended World Nomads Travel insurance review for a reason.

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 itemized call costs)
  • Text message: +45 42 41 30 00 (include your policy number in the text message. No phone calls.)

My 6 Best tips for you

Here’s my best 6 simple tips:

  1. Start your research by checking if you already have a travel insurance
  2. Read the terms & conditions – carefully!
  3. Always ask if in doubt! Don’t be too proud or shy to ask twice if needed.
  4. Be honest on where you are and what you do
  5. Document all of your valuables
  6. Do not be an idiot

#1 You may already have insurance

Especially Europeans may already have a valid travel insurance.

And you may not need an extra one.

Or maybe you have one, but it is only valid for 30 days in a foreign country.

First things first: Call your current insurance and talk to them. If you are not covered, then consider World Nomads before purchasing something extra form your current provider.

Why?

World Nomads is highly experienced in travel. They actually know what to do in case something goes wrong, and can help you.

#2 Read the terms & conditions – carefully!

Whatever insurance you go for, it’s valuable, no, crucial to read them through.

Carefully! Do not just pick one for the peace of mind, without knowing what you just paid and what is covered, and what is NOT.

It may help to make a list of things you want to do before paying. Then go for the package that covers your adventures.

#3 Always ask if in doubt! Don’t be too proud or shy to ask twice if needed

Nobody expects you to understand every single line.

Ask your agent if anything is unclear. After all, you are the paying customer, and they are happy to help you. If you are too proud or too shy to ask, it could be really fire back on you.

What do 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

#4 Be honest on where you are and what you do

First of all be honest with yourself and do not pretend you will be chilling 4 weeks on the beach, when you actually want to dive, drive a motorbike, go skydiving and probably wrestle a shark.

It does not make sense to pay something that actually does not your cover your adventures.

Also, be honest when an accident happened.

Insurances have lots of experience, and if you have scratches all over the body and a broken bone in Thailand, they will probably not believe you when you say it was a cat…

#5: Document (your valuables and illness)

Whatever insurance you will be choosing in this world, when you have to claim something, you have to document all your valuables or illness.

When you have been sick, make sure you take a copy of your hospital bill or medication bill. You will need this. Best, fastest and easiest way to do this is with your phone and sending it to your emails. This way you have an instant backup.

In the unfortunate event something has been stolen, take a photo or make a copy of the official police report. Again, take a photo and send it to you via email.

Also, when your things got stolen, you have to provide receipts for all items.

You cannot go and claim a $3000 laptop without a receipt. I know, that is quite an annoying part. But sorry, quite necessary.

Read: Are hostels safe? 13 safety tips

Best way to do this: Document all your belongings before hitting the road. Unpack your final backpack or suitcase and take photos of all items with bill/ invoice if possible.

#6: Don’t be an idiot

Sorry, I do not mean to make you feel bad, but please please: Do not be an idiot.

Buying a travel insurance does not make you invincible or immortal. You won’t suddenly become a super hero that can drive the fastest motorbike in the world on a German highway with 350 kilometers per hour.

You cannot suddenly drive a motorbike with flips flops and without a helmet. You cannot suddenly fight a tiger!

Okay okay, your get my point.

I am only emphasizing this since we have seen so many travelers that experienced bad accidents. Especially in South East Asia.

Read: Big guide on 39 travel safety tips; both offline and online.

Safetywing Insurance

Update: As of November 2019, we are looking into having our team insured by Safetwings. We are currently testing Safetywings for two reasons:

  1. We can have our team of remote travel-ninjas insured
  2. write another review for you, my dear reader!

Safetywing seems to be a perfect travel nomad insurance. It costs around $40 for the full month, so it is very affordable to begin with.

Visit Safetywing.com directly

Safetywing Insurance

As of now, we do not have a full review of Safetywings. We will share our complete experience in our newsletter first. Subscribe, it is free, can be funny and (hopefully) useful.

Here is our first impression.

The sign-up process is super smooth. I was really impressed by the simple and fun design. It seems like they do not want to take away the complicated part getting insurance.

Now, that does not mean, insurance is suddenly easy. Always, and we mean, ALWAYS read what is exactly covered. We cannot state this enough!

Once you signed up, there a simple main screen with two tabs: either you can get your insurance or go to your profile. Make sure you fill out your profile completely.  You have to fill out your citizenship, phone number, email address and your actual home country and mailing address.

The more interesting part however is the insurance tab.

Check how much your next trip could cost you in travel insurance. My upcoming 3 months trip to Colombia will be €121.44 (roughly $40 per month).

Now, there is always two sides to a travel-related insurance. Under “What’s included?” you have all the details of medical and travel related insurance. They state:

Medical

We cover you if you are suddenly in an accident or fall sick while you are outside your home country and need medical assistance.

  • Hospital
    Room and nursing services
  • Intensive care
    Up to the overall maximum limit.
  • Ambulance
    Usual, reasonable and customary charges when covered illness or injury results in hospitalization.
  • Urgent care
    $50 co-payment, not subject to deductible.
  • Physical therapy and chiropractic care
    Up to $50 per day. Must be ordered in advance by a physician.
  • Emergency dental
    Up to $1,000. Not subject to deductible.
  • All Other Eligible Medical Expenses
    Up to the overall maximum limit.
  • Notable exclusions
    · High risk sports activity
    · Pre-existing disease or injury
    · Cancer treatment

Travel

Unforeseen things can happen when you’re travelling. Includes coverage for travel delay, lost checked luggage, emergency response, natural disasters and personal liability.

  • Trip interruption
    Up to $5,000. No deductible.
  • Travel delay
    Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days. No deductible.
  • Lost checked luggage
    Up to $3,000 per certificate period; $500 per item. Up to $6,000 lifetime limit. No deductible.
  • Natural disaster — a new place to stay
    Up to $100 a day for 5 days. No deductible.
  • Political evacuation
    Up to $10,000 lifetime maximum. Not subject to deductible.
  • Emergency medical evacuation
    Up to $100,000 lifetime maximum. Not subject to deductible or overall maximum limit.

It all sounds very good. I will keep you posted, both in this guide and our newsletter.

Nomad Insurance

Is world nomads worth it?

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

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

I am not gonna lie to you, there are 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 providers of our friends from Germany and Spain for instance cover certain activities and a time frame for traveling 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 World Nomads.

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 knee and broke my meniscus in Bali.

Painful, very painful…VERY painful.

Needless to say I had to go to the hospital. The simple treatment (X-ray, crutches and pain killers) cost me whopping $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

And if that was not bad enough, I almost broke my arm in Vietnam.

Of course, it was a small motorbike accident. Luck was on my side, it was only a massive bruise for around 3 weeks.

My almost Broken Arm in Vietnam - Luck was on my side!

My almost Broken Arm in Vietnam – Luck was on my side!

Pros and Cons of World Nomads

Let us try to sum this up in a very simple way.

Pros of World Nomads:

  1. Easy and Transparent to use
  2. Easy and fast to extend
  3. Service of 24/7 and 365 days a year
  4. Everything is online; no mail required

Cons of World Nomads:

  1. Explorer plan only covers up to $3000 in total. This may not be enough in case you travel with a lot of gear like laptop, GoPro etc.
  2. They have an age limit. The age limits on certain products go as high as 70. (they want to improve this)

World Nomads Promo Code

We all love promo codes 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.

How late can you buy travel insurance?

Another very good question, how late can you actually buy travel insurance? And could you buy it after your accident?

You can buy your travel insurance whenever you want. There is a 3 days waiting period (72 hours) from the time you buy the policy until your cover starts.

Basically, you cannot buy your world nomad insurance today and make a claim 10 minutes after. That does not work.

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 claiming 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

We already mentioned this. We recommend to document all your valuables before you hit the road. This makes things so much easier.

Step 3: send in your documentation (everything is online, no post office or mail is needed!)

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! Again, take a photo with your phone and send it to you via email.

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 are a few steps an insurance company 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 via email.

You can always extend your insurance. All you have to do is to log into your account, and choose your package again. You can always upgrade and downgrade. This is up to you.

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. There is also cheaper travel insurance than world nomads.

Update:  As mentioned before, we are currently looking into Safetywings.

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

It is the only one we used and use.

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.

Make a difference: Donation

Just on a side-note, I would like to mention the NGOs World Nomads works with that 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

Why is Travel Insurance so complicated?

First of all, everything around insurance is complicated.

It is only in rare cases you can get an insurance and EVERYTHING is covered under all circumstances, whatsoever.

Anyways.

The world of travel insurance is even a bit more complicated, if you will, because it all depends on your nationality. There is different rules for US Citizens, for Spaniards, for Australians, for Africans, well, for everyone actually.

When visiting World Nomads for instance, you have to choose your own country first to see what is covered in your case.

What if something gets stolen?

Here is what World Nomads states for US Citizens, for instance:

There’s cover to claim up to the policy limits if:

  • Your luggage and personal effects are stolen, accidentally damaged or lost on your trip.
  • Your checked-in luggage is stolen, lost or damaged by a common carrier (like an airline or bus company).
  • Your travel documents, traveler’s checks or passport are stolen, accidentally lost or used fraudulently.
  • Sporting equipment when lost by the carrier or if it’s damaged (while not in use) or stolen.

The maximum amount you can claim for all your luggage and personal effects is $3,000 per insured person with a maximum claim amount of $500 per item for an Explorer policy; or $1,000 per insured person with a maximum claim amount of $500 per item for a Standard policy.

This means as well if something gets stolen in your hostel, this would be covered. Just the amount of cash is the remaining question.

Especially when traveling with a laptop, the Explorer Package is the better option.

Travel insurance cover for baggage and personal effects

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 vaccinations?“.

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**. And I have to say again, please to not be an idiot. Yet, that goes with and without insurance!

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 feet 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 everything in her pockets stolen.

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 even better.

Also, we would love to hear your own review of World Nomads Insurance. Have you had any experiences? 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! We want your real experiences with the company! Please remember to use proper language. If your review of World Nomads has bad language, we cannot publish it. And again, we want your actual experience. It will help the whole travel community!

What’s next?

We collected for you the most amazing hostels in the world; from wineries to castles, island retreats and monumental buildings.

Check out as well the best hostels in the world, the 5 Star Hostels.

Here is more reviews of our favorite travel platforms:

Safe travels and take care,
Anna&Matt

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