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World Nomads Insurance Review: Is It Worth It?

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A lot of people often see travel insurance as an unnecessary expense. But isn’t it better to be safe than sorry? That’s what travel insurance plans are for!

Having a proper travel insurance plan with the right insurance company can give you peace of mind while you travel. But, as there are a dizzying number of travel insurance companies, picking the best option can become quite challenging. 

When deciding which insurance companies to work with, it’s best to consider what you need and compare your insurance needs with the insurance plans offered.

World Nomads Travel Insurance is a perfect choice if you want to explore Earth’s boundaries without worrying about your health, travel plans, or belongings. This travel insurance service provides multiple insurance benefits, including car, medical, and health insurance.

Are you considering World Nomads as your option for travel insurance? Great! Want to know more about this travel insurance service? Check out this World Nomads travel insurance review!

In the United States, World Nomads policies are administered by Nationwide Mutual Insurance Company, which offers different types of insurance and financial products.

Before you buy a plan, check if you already have coverage through a premium travel credit card, and if so, verify whether the insurance plan is sufficient for your travel needs. 

This World Nomads Travel Insurance review covers all the essential information you should know about World Nomads to help you decide if it’s the right choice. So, let’s dive into the details.

What is World Nomads?

World Nomads Logo

World Nomads provides travel insurance and safety services for independent travelers across 130+ countries. They have been inspiring, connecting, and protecting travelers since 2002.

Their travel insurance offers flexible and robust plans to help enthusiastic travelers confidently explore the world. As this travel insurance company has multiple protection plans designed for all sorts of people, you’re sure to find one that covers your particular needs.

For more details on what World Nomads Travel Insurance offers and how it works, continue reading this.

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World Nomads Insurance Company Plans

Standard vs Explorer Plans with World Nomads

As traveling needs vary from person to person, there can’t be a one-size-fits-all travel insurance policy. World Nomads Insurance provides two plans; the standard and explorer. These come with different levels of insurance coverage, letting you choose one that suits your needs.

All World Nomads Plans have different insurance coverage. Still, they all include Emergency Overseas medical coverage, emergency medical transportation, cover for stolen or damaged gear, and trip insurance which includes trip cancellation, trip interruption, and trip delay.

The best way to find the plan that suits your needs is to browse the WorldNomads website itself, and learn about their Standard and Explorer plans.

World Nomads Standard Plan

Sift through the documents regarding this plan, and you may find all the basic coverage on medical insurance, emergency medical evacuation, medical costs, dental costs, emergency medical transport, travel delay, resumption of the trip, trip interruption, personal liability, documents insurance, baggage, and personal items insurance, and repatriation & travel expenses.

World Nomads’ coverage of adventure activities differs in each country. From skiing and snowboarding in New Zealand to whitewater rafting in Colorado and Motorbiking in Vietnam, they have a more comprehensive range of adventure activities.

This can give you peace of mind to get the most from your travels. This World Nomads Policy Plan is ideal for many travelers seeking simplified coverage.

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World Nomads Explorer Plan

This travel insurance plan has all the advantages of a Standard Plan plus more extensive coverage. It’s entirely up to you to decide which plan to choose. Before buying one, consider how much coverage you need to deal with the unexpected.

The World Nomads Explore plan you choose should depend on various factors, like your travel destination, total investment, amount of people traveling, what you want to explore, and your situation.

Whatever plan you pick, make sure to choose your plan wisely. World Nomads coverage differs depending on the origin country, and many of the claims made in this article apply only to the United States plan.

It’s important to understand your coverage thoroughly before committing to an insurance plan from World Nomads.

Deep Dive into World Nomads Travel Insurance Coverage

The coverage on a travel insurance plan is the most critical part. Therefore, it’s vital to determine what travel insurance policy they offer you. Travel professionals design World Nomads travel insurance to help protect travelers and their traveling essentials.

Some coverage options we found while reviewing the United States-based policy include the following, though they are subject to change: 

  • Emergency Medical Coverage: World Nomads travel insurance may help you get reimbursed for emergency medical expenses and related medical repatriation or evacuation if you get injured or ill. For instance, if you get a severe injury while hiking in the woods, World Nomads may cover your evacuation to the hospital. Medical coverage can also send you back to your home country in serious medical emergencies.
  • Emergency Dental Treatment: Coverage of emergency dental treatment for unforeseen accidental injuries during the trip. It may include a broken tooth, jawline injury, and unexpected infection. There’s no coverage for cleanings and checkups, though. 
  • Trip Cancellation Protection: Reimburses unused, non-refundable trip cancellation charges if you cancel your plan due to sickness, death of a loved one, accidental injury, natural disaster, or for all other covered reasons.

This trip cancellation coverage varies with where you plan to travel and other factors. The trip cancellation limit will increase or decrease based on the information you enter on the World Nomads site.

Check out the World Nomads travel insurance cancellation plan to see what it covers. 

  • Trip Delays: This covers any additional expenses you incur if you get a trip delay for six or more hours to catch your flight due to a hazard covered in the World Nomads standard policy. 
  • Trip Interruption: Provides reimbursement for all deposited, non-refundable costs in case of any interruptions to your trip for valid reasons. 
  • Non-Medical Emergency Evacuation: This coverage is for the transfer of expenses in case of civil or political unrest or natural disasters in the country you’re exploring.
  • Stolen or Lost Goods: Reimburses for lost, damaged, or stolen personal belongings and baggage during the trip. Some policies also reimburse you for additional expenses, like delayed baggage. 
  • Accidental Death & Dismemberment: This plan covers the loss of life, limb, and certain external organs (like eyes) due to an accident on the trip. 

Apart from these coverages, World Nomads also covers the following areas as a bonus – at least to some extent: natural disasters, stolen passports, and pregnancy complications (no birth).

Moreover, remember these coverage options vary depending on your home, age, or departing country.

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What’s Not Covered in World Nomads Travel Insurance?

World Nomads insurance review

Travel insurance policies often come with exclusions, and you will always want to pay attention to what’s covered and what’s not.

Here are a few exclusions we found while browsing a common policy. Be sure to fully understand exclusions before ordering your policy.

  • Carelessness in handling baggage and possessions
  • Pre-existing medical conditions (A pre-existing medical condition is any health condition that a person has before enrolling for health insurance)
  • Regular checkups
  • Stolen or lost cash
  • Delivery expenses

Pros of World Nomads Travel Insurance

  • Relatively affordable, compared to other insurance companies
  • Offers a simple choice of travel plans
  • You can extend your insurance policy even on the trip
  • Provides robust coverage for plenty of activities, including sports, air, and land
  • Offers fast, 24/7 assistance online

Cons of World Nomads Travel Insurance

  • Limited coverage for extreme sports activities
  • Limited coverage for expensive trips
  • Age limit – World Nomads deny coverage to anyone aged 70+ years
  • NO coverage for pre-existing conditions

Can You Make Changes to Your World Nomads Travel Insurance?

The answer is a big YES. You can change your insurance plan by signing in to your World Nomads account. Follow their specific guidelines to apply your changes. You can change the start of your World Nomads travel insurance policy to any date in the future.

You can cancel your World Nomads policy whenever you want, and if you cancel it within ten days, they will give you a full refund!

Is There Anything That You Can’t Change in Your World Nomads Travel Insurance Policy?

Yes, there are a few things that you can’t change in most policies offered by World Nomads. This section includes some parts of your plan that cannot be modified once you purchase coverage for your travel insurance needs.

  • End date of your travel insurance plan. You’ll have to buy more coverage online to extend your trip.
  • Your details, like contact number or address. You’ll have to go through the hassle of contacting their customer service team to update this information.
  • You can’t upgrade your World Nomads travel insurance plan mid-trip.

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How Much Does World Nomads Travel Insurance Cost?

Knowing the average cost of your travel insurance policy is another critical part of this travel insurance review. The cost of the Standard Plan and Explorer Plan varies depending on the benefits they offer.

The World Nomads Standard Plan is ideal for travelers satisfied with trip interruption and cancellation coverages of $2,500. While this plan doesn’t include rental car coverage or adventure sports, it covers activities like bungee jumping and windsurfing. It’s cheaper than the World Nomads Explorer plan, and the cost depends on the origin country.

The World Nomads Explorer Plan includes all the advantages of the Standard Plan with a few more perks. It provides coverage of up to $10,000 for trip interruptions or cancellations. With more coverage, this plan is more expensive than the Standard Plan.

It also covers rental car coverage and adventure sports, including extreme sports like skydiving, scuba diving, and heli-skiing. Unfortunately, World Nomads does not provide a CFAR (Cancel For Any Reason) upgrade on either plan.

World Nomads Customer Service

World Nomads Help Center

This travel insurance provides one-call, 24-hour assistance services to its clients. Their multilingual customer support team is available round the clock to provide advice, help, and referrals for emergencies, medical or otherwise. 

They can help you locate nearby medical facilities and physicians. They may arrange and pay for relevant transportation, including an escort to a hospital or your home. 

Coverage for medical evacuations is available for covered claims in your travel insurance policy. All medical transfer services will be arranged by One Call.

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How to Claim Online with World Nomads 

World Nomads Insurance Review: Is It Worth It? (2024)

Discover the pros and cons of this travel insurance provider in our comprehensive World Nomads Insurance review.

Product Brand: World Nomads

Editor's Rating:


  • Affordable
  • Offers Two Travel Plans
  • Can Extend Insurance Protect Travel Plans of Up to 180 Days 24/7 online Assistance


  • No Coverage for Extreme Sports No Annual Travel Insurance Plan Limited Coverage on Expensive Trips Age Limit And Deny Coverage to 70+ Years Old
World Nomads Claim

Waiting to claim until you get home is frustrating. World Nomads understands this. To ensure your ease and comfort, they allow you to claim your travel insurance plan anytime from anywhere, allowing you to keep traveling without any worries. 

If you’re not a World Nomads member, it is recommended to create your account first, as it will let you make most of your claims electronically. In case of any confusion, feel free to get in touch with the customer service team. 

To make your claim, you must sign in with World Nomads (if you’re already a member – you should be if you’ve bought a plan from them). Follow the steps to start your claim and attach any supporting documents. 

Once you claim, they will send you a confirmation email with a reference number. This email will make it easy for you to keep track of your claim’s progress.

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Is World Nomads Online Claim Process Secure?

Yes, it is safe and secure. Using a reliable portal to sign in to World Nomads and upload your documents would be best. This option is more secure than making your claims through email containing all your personal information.  

World Nomads Travel Insurance – Is It Worth It?

This World Nomads Insurance review now reaches the final question – is this travel insurance company worth it? On comparing the pros and cons mentioned in this World Nomads travel insurance review, it can’t be denied that the positive points outweigh the negative ones, making World Nomads an excellent choice.

World Nomads is one of the most popular travel insurance companies available, especially if you want long-term travel insurance. This travel insurance company offers widespread coverage and affordable plans.

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Buy the Right World Nomads Travel Insurance Plan for YOU

This insurance review includes everything you need about this travel insurance company. It’s an unfortunate fact that traveling comes with unplanned situations and potential emergencies.

Investing in the right travel insurance policy is always recommended to ensure your and your family’s security during the trip. Insurance is better to have and not need than need and not have.

This World Nomads travel insurance review concludes that this insurance service is reliable for ensuring a well-covered trip. Choose the best one depending on your personal needs, as there are two plans. Compare both programs and go with the one most suitable. Safe travels!


How do I file a claim on World Nomads?

Once you get your insurance plan, you will receive detailed guidance on how to file a claim. You must have the plan number, trip departure, return dates, and any travel agency.

Additionally, you can call World Nomads customer support, who will guide you through the process. They have 24/7 customer support.

If I cancel or interrupt my trip, will World Nomads reimburse me?

Your trip cancellation protection includes particular covered reasons. These include:

– Getting sick or injured
– Death or sickness of a family member
– Work emergencies
– Jury duty
– Severe damage to your home caused by a natural disaster such as a tornado or flood

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