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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

World Nomads Travel Insurance Reviews

World Nomads Travel Insurance reviews

Travel insurance provided for independent travellers with World Nomads. Choose between a Standard or Explorer Plan to suit your trip needs. Policies are available to those under 70 years. Dependants under 21 travel for free with parent or grandparent. They offer 24/7 emergency assitance no matter where you are in the world. Underwritten by XL Insurance Company SE


Customer Experience

Claims experience, value for money.

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Not recommended, pretty much a scam posing as legitimate

There are two major reasons for travel insurance, missed flights and medical. Lost luggage is an anno...  Read more

There are two major reasons for travel insurance, missed flights and medical. Lost luggage is an annoyance but you can deal with it. I missed a connecting flight due to my first flight being delayed and they denied my claim. They have a vague clause that claims deniability if they determine the airline has control over your delay. There's no visibility on how they determine that. It's as close to a scam as I have seen, pity for me I didn't see it before I paid.

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I used to recommend them but never again

Both myself (as an official trip leader) and my other leaders used to use and recommend this company ...  Read more

Both myself (as an official trip leader) and my other leaders used to use and recommend this company - until we needed them. In two separate instances, neither of us were able to get ahold of anyone at the "24/7" line. And when I finally did, they were super rude! My leader never got ahold of them through that number when she was in the airport actually having an emergency. So she didn't get help, and then when she ended up submitting her claim, they denied it. As an affiliate for WN for years, I was supposed to get paid for every person who signed up for my trips, but never got paid. They claimed they made a mistake but then never rectified it and I never saw my hundreds of dollars I was owed. I will never use nor recommend them again.

Not recommended if you actually need to make a claim

I feel like world nomads is “highly recommended” by all these paid travel bloggers who have never act...  Read more

I feel like world nomads is “highly recommended” by all these paid travel bloggers who have never actually gotten in any form of accident. I got in a pretty bad accident while travelling and really racked up some medical bills. Went through the process of submitting all my receipts, records, photos etc which took quite some time since there was a lot. But guess what? Nothing!! It’s been months and still no response on their end, despite my calling to inquire multiple times. 10/10 travel without insurance over travelling with world nomads.

The worse insurance company i have ever dealt with

I will never use them again, the 24/7 does not work. I had a medical emergency, i couldn’t connect wi...  Read more

I will never use them again, the 24/7 does not work. I had a medical emergency, i couldn’t connect with them to get information, when they picked up the phone they were not helpful, they created problems to use their service, they did not gave us the option to change our flight through medical emergency! This is absurd! Worse money i ever spent, i will be procuring legal actions when i get back! DO NOT MAKE THE SAME MISTAKE, they are not trustable.

I will never use them again. They are great until you need their help and then they are extremely unh...  Read more

I will never use them again. They are great until you need their help and then they are extremely unhelpful and rude. They left me stranded for seven days after cancelled flights while I was recovering from covid induced asthma. There were repeated promises they were going to help and then absolutely nothing. I’d been using them for years but I never ever will again. I will strongly encourage everyone I know to never use them either- it’s a total waste of money.

I had an insurance with the company for a 40 day EU trip. Cost was over $280 but I don't feel it ...  Read more

I had an insurance with the company for a 40 day EU trip. Cost was over $280 but I don't feel it worth it. Customer service didn't reply for my first 2 messages, only when I tried the 3rd time - even then they couldn't manage my invoice request.

1.5 months later, still waiting...

I provided all documents requested and then some, and as of today- 1.5 months later- I have heard not...  Read more

I provided all documents requested and then some, and as of today- 1.5 months later- I have heard nothing about my claim. The sent a generic apology after 30 days saying my claim would be "expedited" and upon my request said a supervisor would call me within 24-48 hours. That was two weeks ago with still no call, and the reps on the phone refused to update any of our correspondences on my claim dashboard since last month. They claim "Covid has them backlogged"..?

Avoid this insurance company!

They claim to cover for flight delay/ missing connecting flight. It’s a lie! I wish I visited th...  Read more

They claim to cover for flight delay/ missing connecting flight. It’s a lie! I wish I visited this web to read all the reviews before buying the travel insurance from World Nomads.

1 comment on this review

They will not actually help you. They did nothing.

When I try to make a claim online (at the world nomads website), I kept getting the following message...  Read more

When I try to make a claim online (at the world nomads website), I kept getting the following message: "Download & complete a claim form. Unfortunately, this type of claim is not yet supported online." So then I tried to find a phone number to call and tried to call this number twice: 1-844-207-1930 But both times I was told by the TripMate agents that they can't help me make a claim through World Nomads. (They don't have access to the membership dashboard.) They also said that World Nomads doesn't have a phone number. I tried finding every email I could and reaching out to them. Eventually, 3 days later, someone from TripMates got back to me. I told that correspondent about my claim and attached all my files. Then, when I hadn't heard back from them for 46 days, I sent another email asking for anyone to help me. Then 2 days after that, someone finally replied and told me to forward the required documents. I had already attached all the documents in a prior email, but I sent all of them along again anyways. Then, 23 days later, I received an email that attached a document, which said the following: "After careful consideration, we have determined the reason provided for your claim is not covered under the post departure benefits (i.e. trip interruption, travel delay or missed connection) underwritten by Nationwide Mutual Insurance Company." There is no further information provided. They did not explain why they determined my claim was not covered. (If you've done the math, I spent over 75 days trying to get help before finally just getting my claim rejected.) This is pretty unreasonable considering my travels and trips were in fact interrupted and delayed due to a stolen passport. (You can review the plan policy I was given in their PDFs available online at their website.) Under the section entitled: NATIONWIDE MUTUAL INSURANCE COMPANY TRAVEL PROTECTION INSURANCE POLICY GENERAL DEFINITIONS Hazard means: c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot; Then, under the COVERAGES section, it says: TRIP DELAY The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a defined Hazard. Covered Trip Delay Expenses: (a) Any pre-paid, unused, non-refundable land and water accommodations; (b) Any Reasonable Expenses incurred. You must provide the following documentation when presenting a claim for these benefits: a) Written confirmation of the reasons for delay from the Common Carrier whose delay resulted in the Loss, including but not limited to, scheduled departure and return times and actual departure and return times. Surely changed flights due to a stolen passport should qualify under any reasonable travel insurance policy plan. But I am now out thousands of dollars in flight tickets due to this stolen passport and unreasonable travel insurance. I would never recommend World Nomads to anyone. In fact, I would actively discourage everyone from World Nomads.

Massively onerous process

Returned from a trip to find three of four wheels on my suitcase are broken. I’d like to make a claim...  Read more

Returned from a trip to find three of four wheels on my suitcase are broken. I’d like to make a claim, but World Nomads wants: a receipt for the suitcase, proof of travel, credit card statement, airline property report, statement of non-repairability and independent supplier’s repair report. This is clearly a process designed to ensure people don’t make claims. My only other experience in making an insurance claim was in 2011 with Alliance and they only needed a photograph of the damage (an iPad that was damaged enroute) based on that they paid replacement cost straight away.

Great coverage for a good price but headache for claims

World nomads is a legitimate company providing reliable coverage for a good price. However, if you do...  Read more

World nomads is a legitimate company providing reliable coverage for a good price. However, if you do end up needing to make a claim, the process could very likely become a headache. I've been trying to make a claim for a consultation and medication I received and am not receiving the emails they send me regarding the claim (I receive all others). I contacted claims department via email - no response. I called claims department, was told I couldn't get through, eventually did after an hour, and the poor girl is having difficulty - I believe she was unable to locate my profile/claim. The representatives are kind and want to help but calling overseas is a pain in itself, so to have it be such a process just to make a claim is ridiculous. If you can go with another company, I would highly suggest it. I will not be getting insurance through this company ever again after this experience.

Good way to lose some money

As many others have said, they will scam you in some way or another when you try claiming anything. I...  Read more

As many others have said, they will scam you in some way or another when you try claiming anything. I got a phone stolen, tried to claim it, but they wouldn't pay because the theft needed to be observed. I said we have CCTV footage, witnesses and the police report. Then they said it needed to be observed by me, during the act. It was then I figured I was robbed twice, and the insurance scam was more expensive then the phone. Customer service was also rude as anything. I tried another claim later on, and same bs hidden rules that apply to anything.


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World Nomads Travel Insurance

Our verdict: world nomads travel insurance is a good option for younger travellers who are planning an adventurous trip. however, there’s no option to cover pre-existing medical conditions which will leave some travellers at risk..


In this guide

Summary of World Nomads International Explorer policy

How does world nomads travel insurance cover covid-19, what policies does world nomads offer, here's a breakdown of world nomads travel insurance features, standard features, optional add-ons, how to make a world nomadstravel insurance claim, here's the bottom line about world nomads travel insurance, frequently asked questions, request travel insurance quotes and compare policies.


  • A wide range of obscure and high-risk adventure activities can be covered, including elephant trekking, dog sledding, and WWOOFing.
  • You can extend your cover while overseas, if you decide you’d like to keep travelling a while longer.
  • Cover is only available to people aged 69 and under, making World Nomads unsuitable for older travellers.
  • There’s no option to add cover for pre-existing medical conditions, so if you’re living with a medical condition you might want to look elsewhere.

Compare other options

Table updated October 2023

World Nomads’ Explorer plan offers a range of benefits related to COVID-19. Here’s what you can expect:

  • Overseas hospital and medical expenses if you need treatment for COVID0-19
  • Medical evacuation and repatriation costs related to COVID-19
  • Travel costs if you or a member of your travelling party are diagnosed with COVID-19 and you have to cancel your trip
  • Travel costs if your close relative or business partner in Australia is hospitalised or dies due to COVID-19 and you have to cancel your trip
  • Travel costs you or a member of your travelling party are permanently employed as a healthcare worker, residential care worker or law enforcement officer, and your or their pre-arranged leave is cancelled due to COVID-19
  • Costs to cover travel and accommodation if you’re unable to stay at your pre-booked accommodation due to it being closed for cleaning following a confirmed case of COVID-19
  • Costs for additional travel, meals and accommodation if you are denied boarding on your scheduled public transport due to you being suspected of having COVID-19
  • Travel, meals and accommodation costs if you or a member of your travelling party are confined to compulsory quarantine as a result of being diagnosed with COVID-19
  • Childcare costs if you’re unable to take care of your dependent children due to being diagnosed with COVID-19
  • Pet care costs in Australia if you’re unable to return home at your scheduled time due to COVID-19

There are some scenarios that are not covered by World Nomads including if you knowingly and intentionally come into close contact with someone who has COVID-19, if you travel against medical advice, or you travel knowing you already have COVID-19.

World Nomads offers two insurance policies to travellers - the Explorer Plan and the Standard Plan.

Travel plane luggage passport

The insurer of this product is Pacific International Insurance Pty Ltd. It comes with a cooling-off period of 21 days and choice of $100 standard excess for international plans.

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These are some of the main insured events that World Nomads will cover. Some of these benefits may only apply on the Explorer Plan.

  • Emergency medical treatment
  • Emergency dental treatment
  • Lost, damaged or stolen property
  • Trip cancellation or amendment
  • Additional accommodation and transport
  • Theft of money
  • Luggage and travel delay
  • Theft or damage to your passport
  • Rental vehicle excess
  • Personal liability
  • Permanent total disability
  • Accidental death

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World Nomads also offers two add-ons that provide cover for a wider range of activities.

  • Adventure, Work, Study, & Volunteer - Level 2. Upgrade your policy to cover higher risk adventure sports and activities, non-manual and manual work, study and volunteer experiences.
  • Adventure, Work, Study, & Volunteer - Level 3. A further upgrade to cover the highest-risk activities, working environments, and study and volunteer experiences.

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Unfortunately, travel insurance doesn’t cover everything. Generally, World Nomads will not pay your claim if it relates to:

  • Unlawful, wreckless or unreasonably unsafe behaviour by you
  • Behaviour while you were drunk or under the influence of drugs
  • Expenses related to a pre-existing medical condition not automatically included on the policy
  • An act of war, invasion or revolution
  • Insolvency of a travel agent , tour operator or accommodation provider
  • You being unfit to travel or travelling against medical advice
  • Childbirth or pregnancy complications after the 26th week of gestation or if you have had previous pregnancy complications
  • An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
  • Self-inflicted injury or illness, suicide or attempted suicide

This is not an exhaustive list. Make sure you review the World Nomads PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

You can start your World Nomads claim online, from anywhere in the world.

Sign into World Nomads and submit your claim online. You’ll need to provide any supporting evidence relevant to your claim, such as medical reports, receipts, police reports, incident reports, repair quotes, and travel itineraries.

World Nomads is a great option for younger travellers heading on an adventurous trip. There’s protection for a range of high-risk activities that are often hard to find cover for.

You may need to upgrade your policy with one of the add-on options, but it’s easy to understand and all activities are clearly listed.

There’s also a broad range of protection for claims related to COVID-19 and cover for pregnancy is included up until the end of the 26th week.

However, World Nomads isn’t a good option for older travellers or anyone with a pre-existing medical condition. Other than the conditions included as standard, it’s not possible to apply for further cover, which will leave some travellers at risk.

Policies are also only available to under 70s, while many travel insurance brands don’t apply age limits to their policies.

If you're still not sure about World Nomads you can compare other travel insurance companies here .

Is there an age limit on World Nomads Travel Insurance?

Yes, you have to be under the age of 70 to buy a World Nomads policy. If you’re over 70, don’t worry - there are plenty of alternative options.

Am I covered if I’m pregnant?

World Nomads offers cover for pregnancy up until the 26th week. .

Can I buy World Nomads Travel Insurance for a trip within Australia?

No, World Nomads only offers international travel insurance.

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Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full profile

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8 Responses

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so how do i apply for WorldNomads insurance?? This website isn’t clear


Thanks for question. World Nomads in not one of the insurance brands that is part of our panel. You will need to go to their site directly to apply for cover.

All the best, Richard

A family member has been suffering from cancer, when I booked my insurance the cancer was isolated and stable, now however it has spread and become terminal, and a emergency funeral visit may be on the cards in the near future.

Will the travel costs of a return trip hope be covered under my basic policy?

Thanks for your question and I’m sorry to hear about your situation. is a comparison service and not an insurer. Generally, your policy will not cover you if the cancellation is due to a preexisting condition. However, every provider is different, so it would be a good idea to contact your insurer directly.

I hope this was helpful, Richard

I am interested in getting world nomads travel insurance for a year long trip. I was wondering if it’s possible to purchase basic cover and then upgrade the adventure activity cover for just a short period. The reason I ask, is that most activities I will participate in are covered at level one, but it’s possible that I will participate in a level three activity at some point during the year for a week or so. I don’t really want to pay for level three cover for the whole year if I only need it for one week of that. So would it be possible to buy the additional adventure activity cover for just the period that I need it?

Thanks, Sarah

Thanks for your question. is a comparison service and we are not permitted to provide personalised advice. Additionally, we do not currently have access to Nomad Travel Insurance products. You may wish to contact them directly for clarification in this matter.

Thanks, Richard

What cover can I get as I am 65 yrs old


Thanks for your question.

Nomad Travel Insurance doesn’t offer insurance to people aged 65 or over.

If you’d like, you can compare alternative travel insurance options for over 65s.

Cheers, Shirley

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Nomadic Matt: Travel Cheaper, Longer, Better

World Nomads Travel Insurance Review: What’s Included & What’s Not

Group of trekkers cross a wooden bridge heading towards mountains in the Annapurna region of the Himalayas.

I’ve used World Nomads as my travel insurance provider a lot over the years and, though I’ve written about travel insurance in the past, I’ve never properly reviewed World Nomads .

They were the first company I ever used and I’ve continued to use them throughout the years as I’ve traveled. Since I get asked a lot about them, today, I want to share my review of World Nomads Travel Insurance with you.

Here’s everything you need to know about World Nomads travel insurance:

Table of Contents

Who are World Nomads?

What’s included in world nomads insurance policies, emergency medical coverage, emergency dental treatment, lost or stolen baggage, trip cancellation, interruption, or delay, 24/7 assistance, what’s not covered by world nomads, what you can do with a world nomads policy, additional things to remember, travel insurance claims, my experience using world nomads.

World Nomads is a travel insurance distributor based in Australia. It was founded in 2002 by travelers who wanted to address the three key concerns: freedom, safety, and connection.

Now, the insurer provides coverage to people from more than 100 countries, offers overseas emergency medical and dental cover for sudden illness and injury, medical evacuation and repatriation coverage, 24-hour emergency assistance, some coverage for COVID-19, cover for lost, stolen or damaged baggage, cancellation cover, and coverage for over 150 types of adventure activities .

I originally found them via Lonely Planet (but they were also featured in National Geographic and Rough Guides). There are a lot of travel insurance providers out there, but World Nomads was designed for backpackers and budget travelers, which is why I decided to go with them on my first big trip around the world.  

World Nomads has two plans: Standard and Explorer. The Explorer Plan typically has a higher premium because it has a higher level of coverage that includes all the benefits of the Standard Plan and a few more, with higher benefit limits.

Unlike most insurance companies, World Nomads covers some higher-intensity adventure activities and sports, even on the Standard Plan. Not all activities, sports, and experiences are covered under every plan though, and coverage varies by the country you’re visiting as well as where you’re from. Always check before purchasing a policy.

Other benefits and services may include:  

World Nomads offers cover for overseas emergency medical expenses for accidents or sudden illnesses on both the Standard and Explorer plans.

Its policies also offer coverage for expenses related to medical evacuation or repatriation if you’re accidentally injured. For example, if you’re hiking in the woods and you break your leg, your policy may cover your evacuation to the nearest hospital or back to your country of residence (if deemed medically necessary).

In the images below, the coverage amounts in the left column are for the Standard Plan, while the prices in the right column are for the Explorer Plan.

World Nomads Travel Insurance website screenshot

World Nomads also covers emergency dental treatment for accidental injuries that occur during the trip. It does not include standard dental work, such as checkups or cleanings, fillings, or root canals and the like (or things that can wait until you get back home), however, if you get an injury then that may be covered.  

World Nomads Travel Insurance website screenshot

World Nomads offers some coverage for events related to COVID-19, such as emergency medical, trip delay, and trip interruption coverage if you contract COVID-19 while traveling. Be sure to read the policy wording to understand what’s covered and what the benefits are as these vary depending on your country of residence.  

World Nomads Travel Insurance website screenshot showing policy limits for trip cancellation, interruption, and delay

Here’s a list of key items and situations not covered:

  • Alcohol or drug-related incidents.
  • If you’re reckless, acting in an irresponsible manner or not complying with local laws.
  • Pre-existing conditions or general check-ups. Read the policy for full details.
  • Lost or stolen cash (can vary depending on your country of residence or plan)
  • Participation in a sport or activity not listed in the policy wording, or one that’s offered by World Nomads, but you haven’t purchased the required level of cover.
  • Not following doctors’ orders: disobeying your treating doctor’s directions and/or those of World Nomad’s Emergency Assistance team.
  • Stolen, lost or damaged personal belongings that were left unguarded (or left in a vehicle, even if it’s locked).
  • Buy additional coverage if you extend your travel dates.
  • Purchase a policy while already on a trip (waiting periods apply)
  • Make a claim online
  • Access 24/7 Emergency Assistance
  • There are age restrictions that apply depending on your country of residence.
  • They offer limited gear/electronics coverage.
  • You can’t get “cancel for any reason” coverage.
  • It doesn’t cover anything related to pre-existing conditions.
  • World Nomads premiums vary in cost based on your age, destinations, where you’re from, and your country of residence.
  • Rental car damage isn’t covered on Standard plans, and is not available to residents of NY or TX

I’ve been traveling for over 15 years and have only had to make a few claims during that time. Fortunately, for most travelers, travel insurance is something we buy but never have to use.

However, if you do get into a situation where you need to make a claim, there are a couple things that can help.

First, before a trip, I always make sure to save copies of all of my receipts and travel information in my inbox so that I can submit them to World Nomads if I need to make a claim. I also save their emergency phone and email contacts in my phone and inbox so that I can easily contact them in an emergency.

The more documentation you have about your claim, the faster and easier it will be processed. Claims can be submitted online; you simply start a claim, follow the prompts, and submit your documents. World Nomads will follow up if they need anything else from you.

Here are a few things that may make your claiming process easier:

  • Injury or illness? Call their assistance teams ASAP and make digital copies of any related receipts.
  • Take a photo of your luggage before your trip in case something happens to it (especially your valuable gear).
  • If an airline loses your things, tell them straight away, fill in their paperwork and keep a copy.
  • Theft? Report it to the police as soon as possible. Keep all documentation from the police.
  • Check what refunds you can get first from your transport or accommodation providers. Only if they can’t help should you go to your insurance provider

Making a claim isn’t fun by any means, but it’s quick and simple to do thanks to World Nomad’s online portal. And, since they have 24/7 support, you can reach out to them if you have problems or questions.  

Nomadic Matt hiking in a rugged lanscape in Madagascar, Africa

Luckily, the airline paid me, and I didn’t need to be reimbursed by my travel insurance policy, but I learned through this process that if you have all your documents and proof, the claims process can be a lot easier.

Another time, in Argentina, I was suffering from anxiety and worried that it was something more. It felt like someone was stomping on my chest. I contacted Emergency Assistance and they took my information and symptoms and gave me a list of emergency doctors that they recommended. They were helpful, quick, and got me a doctor right away. I was very happy with the service and know that if something really does go wrong, they act quickly.

Nobody likes to think about what might go wrong when they travel. But if you plan ahead and ensure that you have suitable coverage, you can travel with confidence knowing that, should something go wrong, you’ll be made whole and have access to a team that can help you navigate the situation.

I never leave home without insurance. You shouldn’t either.


World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.  

Book Your Trip: Logistical Tips and Tricks

Book Your Flight Find a cheap flight by using Skyscanner . It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.

Book Your Accommodation You can book your hostel with Hostelworld . If you want to stay somewhere other than a hostel, use as it consistently returns the cheapest rates for guesthouses and hotels.

Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:

  • SafetyWing (best for everyone)
  • Insure My Trip (for those 70 and over)
  • Medjet (for additional evacuation coverage)

Want to Travel for Free? Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out my guide to picking the right card and my current favorites to get started and see the latest best deals.

Need Help Finding Activities for Your Trip? Get Your Guide is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.

Got a comment on this article? Join the conversation on Facebook , Instagram , or Twitter and share your thoughts!

Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission if you make a purchase. I recommend only products and companies I use and the income goes to keeping the site community supported and ad free.

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World Nomads Travel Insurance Review

World nomads plans available, world nomads travel insurance cost.

  • How to File A Claim with World Nomads Travel Insurance

Compare World Nomads Travel Insurance

World nomads travel insurance faqs.

  • Why You Should Trust Us

World Nomads Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

If you're looking for travel insurance that allows you to confidently participate in a wide range of sports and adventure activities around the world, then World Nomads Travel Insurance might be right for you. The company's policies cover travel to almost anywhere on the globe and are available to residents of nearly every country. 

World Nomads World Nomads Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
  • con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
  • con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
  • con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
  • Coverage for 150+ activities and sports
  • 2 plans: Standard and Explorer
  • Trip protection for up to $10,000
  • Emergency medical insurance of up to $100,000
  • Emergency evacuation coverage for up to $500,000
  • Coverage to protect your items (up to $3,000)

Among the best international travel insurance companies , World Nomads is particularly good at insuring athletes, covering well over 300 sports, including skydiving, bungee jumping, and golf. World Nomads is also a great last-minute purchase, allowing you to purchase coverage even after your trip has started. However, if you purchase a plan after departure, you will have to wait 72 hours before your plan kicks in.

That said, World Nomads lacks crucial coverage options, such as cancel for any reason coverage and coverage for pre-existing conditions. It also doesn't insure travelers older than 70.

Additionally the service has received middling reviews from customers, averaging 3.4 stars out of five across 2,510 reviews. Customers often complained about their lengthy claims processes and poor customer service.

Some also took issue with the "Nomads" branding, as some travelers with multiple destinations and long-term trips found their trip wasn't covered by Nomads' specific policies. It's worth noting that World Nomads was very responsive to positive and negative reviews on Trustpilot.

World Nomads has two basic policies: Standard and Explorer. Each covers essentially the same things, but Explorer has higher amounts that World Nomads is willing to pay out for claims. The company's policies cover more than 150 specific activities. These range from bungee jumping and rock climbing to hang gliding and hot-air ballooning. You can see the full list on the company's website.

Additional Coverage Options (Riders)

One of the most common upgraded features of a travel insurance policy is cancel for any reason (CFAR) , where you really can cancel for reason beyond what's in a standard policy. This is not available on every policy, but it is often a feature that travelers are looking for while shopping for travel insurance before their trip. At this time, World Nomads doesn't offer CFAR coverage.

At the time of this review, World Nomads also offers sports equipment coverage. In February of 2022, it expanded coverage to include more than 150 sports and activities including Pickleball and FootGolf. It currently covers over 300 sports. So, as you can imagine, plans with sports coverage will cover virtually any sport you might play.

You can obtain a quote from World Nomads on its website by providing details about you and your trip. Be prepared to provide the following information:

  • Your destination(s)
  • Duration of trip
  • Your country of residence
  • State of residence (if you're from the US)
  • Number of travelers
  • Traveler(s) age

Notably, World Nomads does not ask you for the price of the trip, which many travel insurance companies factor into the trip of your policy. As such, World Nomads may be a good option if you're going on a particularly expensive trip. 

We ran a few simulations to offer examples of how much a World Nomads policy might cost. You'll see that costs usually fall between 5% and 7% of the total trip cost, depending on the policy tier you choose.

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  World Nomads travel insurance quotes:

  • World Nomads Standard: $76.58
  • World Nomads Explorer: $123.34

Premiums for World Nomads's plans are well below the average cost of travel insurance .

World Nomads provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

  • World Nomads Standard: $85.83
  • World Nomads Explorer: $155.06

Once again, premiums for World Nomads plans are between 2.2% and 3.8%, below the average cost for travel insurance.

A couple of 65-years of age looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following World Nomads quotes:

  • World Nomads Standard: $152.96
  • World Nomads Explorer: $276.34

Premiums for World Nomads plans are between 2.6% and 4.6%, once again below the average cost for travel insurance. This is especially impressive as travel insurance is often more expensive for older travelers.

How to File A Claim with World Nomad Travel Insurance

You can start an insurance claim by filing it on the company's website. 

You can call toll-free in the US and Canada if you need to reach the company in an emergency at: (877) 289-0968.

Callers from outside the US and Canada can reach the company at: (954)-334-8143.

The email address is: [email protected]

You'll need to have the following ready to file a claim:

  • Your policy number
  • A contact number
  • The nature of your problem
  • Your location
  • Prescribed medication (if any)

Make sure you keep any documents related to the claim you're filing. This includes any receipts, notices, and invoices.

World Nomads is particularly good at insuring traveling athletes, but let's see how it stacks up against the best travel insurance companies .

World Nomads Travel Insurance vs. Allianz Travel Insurance

Allianz Travel Insurance is a strong competitor against World Nomads, especially for travelers looking for a more business-oriented option. The company has been in business for more than 120 years and offers a wide range of insurance, not just travel-related, around the world. A key difference between World Nomads and Allianz Travel Insurance is that Allianz Travel Insurance offers travel insurance that can cover multiple trips in the same year. You can take an unlimited number of trips within the same calendar year, but you do have to double-check that all of your destinations are covered by the policy you select. 

Another difference is that Allianz Travel Insurance offers pre-existing condition waivers for qualifying customers. World Nomads doesn't have the same coverage, requiring that the pre-existing condition is fully stable in order for limited coverage with respect to trip cancellations or having to end a trip early. 

Read our Allianz travel insurance review here.

World Nomads Travel Insurance vs. AIG Travel Guard

Travel Guard , a product backed by AIG Travel, is another potential alternative to World Nomads. AIG is a prominent player in the insurance industry, and the Travel Guard product represents true global coverage. 

Unlike World Nomads, Travel Guard has coverage for pre-existing medical conditions, but there are conditions. Travelers must purchase their policy within 15 days of the initial trip payment to qualify for a pre-existing condition waiver. 

Both travel insurance companies use a tiered approach, but Travel Guard has higher dollar amounts across the board. For example, trip cancellation for Travel Guard covers 100% of the trip cost, while with World Nomads the amount will depends on the tier of the coverage you purchase. Trip Interruption is also a fully covered event with Travel Guard's. Depending on the plan selected, it will either cover 100% or 150% of the trip cost. 

If you're concerned about COVID-19 coverage with trip insurance, there's more coverage with World Nomads than Travel Guard. With Travel Guard, coverage for having to stay in a country past your original booking dates is an add-on, not a standard part of the policy. 

Read our AIG Travel Insurance review here.

Compare World Nomad vs. Credit Card Travel Insurance

If you already have a major credit card in your wallet, you most likely have some travel insurance benefits that come with it. These benefits do vary from card to card. Be sure to check your card's specific policies.

Not all credit cards will feature travel insurance protection. The ones that do may have specific limitations. For example, many credit cards with travel protection require that your airfare is paid for with the card in question for protections to take effect. 

Reimbursement isn't guaranteed. The credit cards do require that you file your claim and wait for a decision. World Nomads makes it easy to file a claim online and submit receipts and documentation. The response is fairly quick based on reviews from travelers that have actually had to file claims. 

The more premium the credit card, the more likely expanded travel protections are part of its features. If you don't already have a premium credit card, it's better to get travel insurance. This is also the case if you have multiple trips planned. Some credit cards limit not just the total dollar amount, but the number of claims within a 12-month period.

Read our guide on the best credit cards with travel insurance here.

Yes, you can extend your World Nomads plan while traveling, but you cannot upgrade a standard plan to the Explorer plan. 

World Nomads covers COVID-19 like any other illness under its emergency medical coverage.

You can file a claim on World Nomads's website, over the phone, or by mail. Make sure to provide as much documentation as possible to ease the claims process. 

World Nomads currently covers 326 sports and adventure activities, from ziplining to zorbing.

Yes, you can purchase World Nomads insurance for a trip that has already started. However, a policy purchased during your trip will have a 72-hour waiting period before insurance starts.

How We Reviewed World Nomads Travel Insurance

To prepare this review on World Nomads, we started by detailing the company's travel insurance offerings. Then we looked at the best travel insurance plans and compared them to World Nomads. We looked at things like typical policy costs, coverage options, available add-ons, what's covered, and claim limits.

You can read more about how Business Insider rates insurance products here.

nomads travel insurance australia

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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World Nomads Travel Insurance Review: Is it Worth The Cost?

Meg Lee

Elina Geller is a former Travel Writer at NerdWallet specializing in airline and hotel loyalty programs and travel insurance. Her passion for travel rewards began in 2011 when she flew first class to London and Amsterdam on British Airways and used hotel points to stay in both cities. In 2019, Elina founded TheMissMiles, a travel rewards coaching business. Elina's work has been featured by AwardWallet. She’s a certified public accountant with degrees from the London School of Economics and Fordham University.

Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food.

Kevin Berry

Kevin Berry works as the content lead for multimedia production at NerdWallet including YouTube, podcasts and social media videos across all financial topics. Previously, he was the Lead Editor for the Travel Rewards team. Prior to NerdWallet, Kevin managed the content and social media teams at NBC Sports in Portland for eight years. His prior experience also includes time as a financial analyst (Comcast) and business system analyst (Nike).

nomads travel insurance australia

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What does World Nomads travel insurance cover?

World nomads single trip plans, which world nomads insurance plan is best for me, can you buy world nomads travel insurance online, what isn’t covered, is world nomads insurance worth it.


World Nomads

  • Travelers can extend coverage mid-trip.
  • The standard plan covers up to $300,000 in emergency evacuation costs.
  • Plans automatically cover 200+ adventurous activities.
  • No Cancel For Any Reason upgrades are available.
  • No pre-existing medical condition waivers are available.

World Nomads offers the Standard and Explorer travel insurance plans and excels in sports/activity related travel insurance coverage while offering solid trip delay, baggage delay and lost luggage protections.

The provider offers insurance plans for travel to nearly any country and is available to residents of most countries. In the U.S., World Nomads policies are administered by Nationwide Mutual Insurance Company, a Fortune 100 company offering various types of insurance and financial products.

Here’s what you need to know about World Nomads travel insurance to help you decide which plan makes sense for your trip.

Before you buy a plan, check to see if you already have coverage through a premium travel credit card , and if so, verify whether those limits are sufficient. If they are, standalone emergency medical coverage may be adequate as the travel insurance provided by credit card often excludes healthcare expenses or offers a low limit (the Chase Sapphire Reserve® is one of the few cards to offer emergency medical and dental, however coverage is capped at $2,500 ).

Chase Sapphire Reserve Credit Card

Chase Sapphire Reserve®

World Nomads offers different coverage levels for its travel insurance options, but both qualify as single trip plans.

Single trip plans are designed for individuals who are leaving their home, visiting another destination (or destinations) and returning home. These travel insurance plans are the most comprehensive and provide benefits like trip cancellation, trip interruption and medical coverage. 

World Nomads is unique amongst other providers as it is a good fit for adventurous travelers. Its plans automatically include coverage for over 200+ activities, including skiing , rafting, backpacking and bouldering. Note that extreme sports are not covered.

All plans include trip protection, emergency medical insurance , emergency evacuation and coverage to protect your gear.

World Nomads offers two plans, with the latter offering higher limits and additional adventure sports coverage.

The plans can be purchased for trip duration up to a maximum 180 days, and you can extend your coverage mid-trip. The price of the policy will depend on the duration of the trip and the countries that you're visiting.

To see the cost of the insurance plan, you will need to input your trip details, your age and state of residence. Unlike many other insurers, you do not need to include the cost of your trip when searching for a World Nomads policy because trip cancellation and interruption benefits are capped at a specific dollar amount rather than a percentage of money spent.

We input a sample trip of a two-week vacation in December 2023 to Italy by a 30-year-old from Illinois.

World Nomads single trip plan cost

Here are some example World Nomads insurance costs based on our example trip.

world nomads travel insurance costs

Standard Plan

The Standard Plan ($86) is a good choice for those who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain adventure sports.

However, this plan still shines in sports coverage, covering activities like wind surfing and bungee jumping, which are seldom covered by travel insurance companies. A full list of covered sports by plan type is available on the World Nomads site.

Explorer Plan

The Explorer Plan ($155) includes all the benefits of the Standard Plan along with higher limits, rental car damage insurance (in the states where it is available) and adventure sports (e.g., skydiving, heli skiing) coverage.

This choice is also good for those whose trips costs less than $10,000 as this is the maximum trip cancellation and interruption protection.

A Cancel For Any Reason (CFAR) upgrade is not offered by World Nomads. If this option is a must, look for a travel insurance company that offers CFAR.

Selecting the appropriate plan for your travels involves understanding which coverage you’d like on the trip.

If you have a premium travel card : If you have a premium travel card that offers an adequate amount of trip cancellation / interruption benefits, you may only need to get a standalone emergency health care policy. For example, The Business Platinum Card® from American Express offers $10,000 per trip and $20,000 per year in trip cancellation benefits . Terms apply. Only the Explorer Plan ($10,000) has a comparable level of trip cancellation protection. Terms apply.

If the coverage provided by your card isn’t adequate or applicable: If you don’t have a premium travel credit card , the coverage provided by your card isn’t sufficient or you didn’t use the card to pay for your trip, then a comprehensive insurance plan like the Standard or Explorer plan might be the best choice.

More chill travelers: If you don’t need adventure sports coverage and your trip costs less than $2,500 (or you already have trip cancellation / interruption benefits from your credit card), the Standard Plan would be sufficient.

» Learn More: How to find the best travel insurance

Go to and input your trip details.

nomads travel insurance australia

If your country of residence is the U.S., an additional row will appear asking you to input your state.

» Learn more: Is travel insurance worth it?

Trip insurance plans are filled with exclusions, so you’ll want to pay attention to what is and isn’t covered so there aren’t any surprises. Here are some exclusions you can expect from World Nomads:

Pre-existing conditions: If you’ve sought treatment for any illness or condition in the 90-day period preceding the start of the policy and then seek medical care for the same illness/condition, you may be on the hook for the bill since World Nomads does not cover pre-existing conditions.

Intentional acts: Losses sustained from self-harm, intoxication, drug use or criminal activity are not covered.

Travelers with pre-existing conditions might consider policies from providers like Travel Guard by AIG or Allianz .

» Learn more: The best travel insurance companies right now (World Nomads is on the list!)

World Nomads has been offering insurance since 2002. The company is well established and offers two single trip travel insurance policies to fit many different needs.

Both plans offered by World Nomads include trip cancellation, interruption and delays; emergency accident and sickness medical expenses; emergency evacuation; repatriation of remains; non-medical emergency transportation; baggage and personal effects; baggage delay for outward journeys; rental car damage in certain locations; accidental death and dismemberment; Generali Global Assistance; and adventure sports and activities.

World Nomads does not include Cancel For Any Reason coverage, even as an add on.

You will need to file a claim with the insurer after you’ve incurred costs related to a covered expense. If the claim is approved, you will receive a reimbursement. In some instances, such as baggage delay, World Nomads pays you a fixed amount per day rather than 100% coverage for costs incurred.

World Nomads offers some good travel insurance plans for adventurous, single-trip travelers. This is also a good fit for anyone who is uncertain about their trip length (since you can add coverage during your vacation).

Insurance can be extended mid-trip.

You can insure trips up to 180 days in length — which makes it an attractive option for digital nomads .

Adventure sports coverage is more robust than many other plans.

Simple choice of two plans.

Extreme sports are not covered.

There is no annual plan option. A policy ends once you return within 100 miles of home, even if you’re only home briefly as part of a long trip.

Regardless of your trip cost, trip cancellation and interruption coverage is capped at a dollar amount rather than as a percentage of trip cost. The Standard Plan and Explorer Plan cover trips up to $2,500 and $10,000, respectively. If you’re going on a more expensive trip, you won’t be able to protect the entire trip.

You must be 70 years old or younger to qualify for coverage.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

A previous version of this article misstated World Nomads' insurance offerings. This article has been corrected.

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

nomads travel insurance australia

Insurance for nomads

Global travel medical insurance that covers people from all over the world.

Nomad Insurance is a travel medical insurance that covers you for extended travel all over the world, while outside your home country.

Insurance for remote teams

Health insurance to cover employees and contractors worldwide under one plan.

Remote Health is a global health insurance for companies. Cover your employees and contractors worldwide under one plan.


SafetyWing is your home country on the internet

We're here to remove the role of geographical borders as a barrier to equal opportunities and freedom for everyone .

We are building a global social safety net

National infrastructure hasn’t kept pace with the changing needs of digital nomads and remote workers. The internet has allowed people to break out of the cultural norms of their home countries and live, work and form communities how they choose.

Our products are designed by a team that has always been fully remote, distributed across six continents.

Space Birds

Our products

Nomad insurance.

Travel coverage for when you get sick or injured while abroad, designed specifically for digital nomads. Buy anytime and anywhere with ongoing coverage.

Nomad Health

Fully-equipped global health insurance in your home country and anywhere you travel, designed for remote workers, digital nomads and their families.

Remote Health

One group policy for 175+ countries, Remote Health is a complete health insurance solution for remote companies and globally distributed teams.

The Best Travel insurance for digital nomads

countries Wherever you travel: We’ll get you covered

days Long-term travel insurance for digital nomads

in average Good insurance doesn’t need to be expensive

Travel, for us, symbolizes freedom. Embracing the unknown means finding your own way — even when the path is unmarked. With , you carry a reliable safety net, on even the most unpredictable adventures.

Our global insurance offerings feature plans tailored for nomads and travelers on trips of up to several years. Wherever your explorations take you, proceed with confidence.

With our comprehensive travel insurance options, you’re secure in the knowledge that, should you need it, you have support to return home safely.

Travel insurance covers:

  • Diagnosis, treatment and prescriptions in case of of medical emergencies
  • Search and Rescue
  • Repatriation for major treatments

Advanced plans offer additional cover for:

  • Lost, stolen, or damaged luggage
  • Trip cancellations or interruptions
  • Flight cancellations and delays
  • Missed connections and their consequences
  • Personal liability

Travel insurance does not cover:

  • Treatments after repatriation to your home country

Always sign up for your long-term travel insurance for the maximum duration possible (with good plans 2 or even 5 years), even when you plan to return earlier. Plans change!

And you can always cancel a good travel insurance plan earlier at no cost . But you usually cannot extend it. And surely not if you had a claim before.

Send your inquiry today

Leave your email and we’ll come back to with a personalized suggestion for the perfect travel insurance plan for your digital nomad adventure.

F.A.Q.: Travel Insurance for Digital Nomads

What’s the difference between nomad travel insurance and annual travel insurance?

Digital nomads usually travel for more than 3 months at a time while regular annual travel insurance (e.g. those included in premium credit cards) cover trips of usually up to 30 or 45 days per trip.

Can nomad travel insurance be extended?

Usually travel insurance can’t be extended, especially not if you already had claims with the insurance company. That’s why recommend to always sign up for the maximum possible duration as with the companies brokered through us you can cancel earlier at any time and no cost.

Can nomad travel insurance be cancelled earlier?

Nomads travel insurance from the companies brokered through us can be cancelled earlier at any time and at no cost. Usually you just need to tell the insurance provider that you have returned to your home country (or permanently settled in another country).

What’s the difference between travel insurance and health insurance?

There are two key differences: Travel insurance has a fixed duration and only works on top of health insurance coverage back home. The reason: Travel insurance pays for emergency treatments while you’re traveling but will repatriate you for major or long-term treatments. Health insurance on the other hand does not end (if you don’t cancel or stop paying for it) and – if it’s an international one – covers you wherever you are.

Read more on the difference between travel insurance and health insurance here.

What does nomad travel insurance cost?

Usually – depending on your age and your target destinations – you can assume an amount of between 50 and 100 EUR per month for long-term travel insurance. If you intend to travel to the USA or are older than 60 you should expect higher monthly premiums.

Who can sign up for nomad travel insurance?

Digital nomads who travel more than 3 months and usually up to 2 years can sign up for nomad travel insurance up to an age of 69. For higher ages there are special solutions available. Full-time nomads who don’t return to a home base where they have local health insurance would rather need international health insurance instead of just travel insurance.

Digital Nomads Insurance

World wide health insurance coverage for modern remote entrepreneurs: Our founders are digital nomads themselves and strive to help fellows to solve this issue.

Book a Consultation

We are happy to analyze your needs and the options based on all circumstances in a personal video call. This service is free of charge for you.

Insurance Providers

  • Allianz Care
  • APRIL International Care
  • AXA Global Healthcare
  • CareConcept
  • Cigna Global Health
  • Continentale
  • Foyer Global Health
  • HanseMerkur
  • Insured Nomads
  • Morgan Price
  • Passportcard
  • World Nomads

Insurance broker for digital nomads

European insurance broker licensed in Estonia for insurance intermediary activities across the European Economic Area (EEA).

Herrmann, Huebner & Partner Insurance Broker OÜ Pärnu mnt 388b-1, 11612 Tallinn, Estonia

Managing Director: Christoph Huebner Registry code: 14897643

Full company data: in the legal notice

" * " indicates required fields

The times displayed are Tallinn time (Eastern European Timezone, EE(S)T, GMT+2/+3)

June 20, 2024

June 24, 2024, june 25, 2024, june 26, 2024, june 27, 2024, june 28, 2024, get your free nomad guide now.

Comprehensive guide for digital nomads: Everything insurance.

  • 6 important questions to ask yourself
  • 3 types of nomads: Which one are you?
  • The right solution for every plan and budget
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Brokers Mandate: 3 good reasons

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World Nomads   Reviews

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Reviews 3.4.

2,552 total

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Dedicated and fast customer service

Dedicated and fast customer service. Good experience with customer service so far. Was an easy process to take out the insurance, but I've read a lot of bad reviews about WorldNomads so I strongly hope the company delivers what it promises!

Date of experience : June 16, 2024

Always insure my trips and know that in…

Always insure my trips and know that in case of unforeseen circumstances I will be reimbursed for my expenses and I always do it at this place. My psyche is always at ease and knows that everything will be fine at this place

Date of experience : June 01, 2024

Reply from World Nomads

Hi Brouwer, Thank you so much for this 4 ⭐⭐⭐⭐ review, it's much appreciated! Safe Travels - Ayden ✈️ World Nomads

Very poor service

Very poor service. I lost luggage in December. Went through the entire process of filing a claim. They do not allow you to do anything via phone even if you experience issues online. The website is extremely difficult to use and won’t allow you to upload documents no matter what formatting you use. I had to send manually via email and never received any notice that they received it. Then I never received any return communication from the company, after emailing and calling every two weeks for a month and a half. Finally got in touch with someone who said it may take another 45 days. It is now June. I have not received any communications from them and they remain exceedingly difficult to get in touch with. Horrible, stressful, time consuming experience. Would not recommend to anyone.

Date of experience : June 18, 2024

Hi Chessie, I'm sorry to hear about your claims experience with us 😥. We always aim to deliver a great experience, and we are gutted when we don’t meet expectations. Thanks for taking the time to bring this to our attention. I have forwarded your feedback to the correct team to contact you. Safe travels - Babita ✈️ World Nomads

World Nomads paid, but..

I had a fever that wouldn't go away when I was travelling in Portugal. I called World Nomads - Travel Guard Canada, their staff was very helpful. They even arranged for an English-speaking doctor to visit me at my Airbnb. I refused & ended up going to a hospital urgent care. I submitted the claims online. The process wasn't really easy. Automated messages kept asking me for statements from a doctor. This was a busy underfunded public hospital in Lisbon. There was no way I would ask for such documents from the nice doctor who diagnosed me, I didn't even remember her name. Travel Guard ended up paying me for everything. 4 stars because they paid me.

Date of experience : April 05, 2024

Hi Ano, Thank you for your 4-star review! We're delighted to hear that your claim was successfully paid. Your feedback is invaluable as we strive to improve and deliver the best service possible. We'd love to hear how we can make your next visit a 5-star experience. Please send an email to [email protected] with your policy details so we can further investigate. Safe travels - Babita ✈️ World Nomads. Hi Ano, Thank you for providing the policy number. I have filed notes on your policy.

Attention Backpackers and Solo Travellers

I would not recommend this company at all if you are a backpacker or solo young traveller. Their advertised 24/7 medical emergency assistance number is a claims handling department- not what you need if you are on your own on the other side of the world No support for my daughter who was very distressed. They do not respond to their 24/7 email contact. When I phoned them from the UK it took them along time to locate her policy details- there was no medical support on offer. Eventually they sent through a lot of claims paperwork that would need signing- hopeless to manage if you are poorly and also impossible to access without a computer. She has now decided to curtail her trip and return home- all potentially avoidable if she could have been better supported.

Date of experience : June 13, 2024

Hi Fiona! We're sorry to hear you had a negative experience . Our goal is always to provide excellent customer service, so we're disappointed that we didn't meet your expectations. I have sent a request for more information about your policy, so we can look into it further. Leah ✈️ World Nomads

First Time Using World Nomads

This is my first time using World Nomads for upcoming trip. Easy to get quote online and purchase. Trying to purchase from the email quote continued to hang on my browser (I used both Chrome and Safari).

Date of experience : June 06, 2024

Hi Trish, We are grateful that you took the time to leave us a 4-star review. Your feedback helps us to improve service for everyone. I will say the browser should not be an issue. If you are still experiencing that, please send an email to [email protected] with your travel details and contact number so our customer service team can assist you with the purchase. Safe travels - Babita ✈️ World Nomads

Easy to understand and know what to do

We haven't had a claim so only have experience with purchasing. Everything is clear and easy to compare with other companies. It offers what we need and when I've had a question, customer support has been very knowledgeable and quick to respond. I like that I get emails with reminders of how to contact them in an emergency before we leave on our trip so I can bookmark it for quick reference.

Date of experience : June 02, 2024

Hi Y - thanks so much for the 🌟🌟🌟🌟🌟 review! Hope you have an amazing trip. Safe travels - Belle ✈️ World Nomads

I think I’ve been scammed.Bought travel…

I think I’ve been scammed.Bought travel insurance and until now I’ve been waiting for my policy to be sent to me via my email :(

Date of experience : June 17, 2024

Hi Angel, we're sorry to hear you have not yet been sent your policy 😥 I have sent you a request for more information so we can locate your policy and ensure the documents are provided to you! Safe Travels - Ayden ✈️ World Nomads

I’ve been using world nomads for a few…

I’ve been using world nomads for a few years. They used to be highly rated and provided a fine service. Since then the service they provide is less and the cost is higher than the competition. My wife used usaa and paid $22 for a nearly identical policy I paid $105 for from World Nomads. Hers is actually better though as there’s less confusion in the terms and conditions. The most recent time I purchased will by my last time with world nomads.

Date of experience : June 08, 2024

Hi, Thank you so much for taking the time to share your experience at World Nomads. We are grateful that you took the time to leave us a review. Please send an email to [email protected] with your full inquiry about why you think World Nomads policy is confusing and what are the terms and conditions you are not happy with. Safe travels - Babita ✈️ World Nomads

No discounts available?

This is my second time purchasing from World Nomads. I had troubles logging into my account and could not use the 7% discount for repeat customers. When I wrote customer service and asked about it, I was told "Unfortunately, due to financial service laws, we are not able to provide discounts of the plans for residents of the US." What the heck!!!!

Date of experience : May 30, 2024

Hi Charlotte! Sorry to hear about your experience 😥 I have requested more information so that we can look into this further. Safe travels - Leah ✈️ World Nomads

I wouldn't recommend World Nomads

I wouldn't recommend World Nomads. I had an accident abroad on holiday, ended up breaking both my feet, and ended up in a wheelchair for 8 weeks, with protective boots, then crutches, and only just starting to walk after 4 months. I was out of work for 3 months. I am an athletic person, and I am still not able to jog yet. The breaks in my feet took over 4 months to heal. World Nomads rejected my claim to cover me for the personal accident. I had to book new flights to fly back home, no compensation, and there was no help or assistance at all throughout the experience. I will make a complaint to have my claim reconsidered as I am suffering long-term pain.

Date of experience : December 08, 2023

Hi Hannah! I'm very sorry to hear about your experience 😥 I have forwarded your feedback onto the correct team to contact you. Safe travels - Leah ✈️ World Nomads

I’ve used World Nomads many times as…

I’ve used World Nomads many times as it’s very convenient to arrange your travel needs, a nice experience to begin my vacation.

Date of experience : June 04, 2024

Hi Mark! Thank you for the 5 ⭐⭐⭐⭐⭐ review! We are thrilled to hear that you loved your experience with us. Your kind words mean a lot to our team! Safe travels - Lucy ✈️ World Nomads

My trip was canceled due to some…

My trip was canceled due to some issues, I sent email and my account was refunded within 2 days with full credit thanks for your help and understanding my situation.

Hi Rhealbwuoy, Thank you so much for your incredibly kind words and for awarding us a five-star rating! We're thrilled to hear about your fantastic experience with us. Hope you will get a chance to travel again soon. Babita ✈️ World Nomads

Trip cancellation

World Nomads and Trip Mate made the process of submitting the necessary paperwork needed for my claim easy enough for someone with limited computer knowledge could do. Their review and response time was just a couple of days which surprised me it was so quick. It certainly made the process satisfying after the anguish of having to cancel my dream vacation.

Date of experience : April 20, 2024

Hi Gale - thank so much for the 5 star review 🤩 we're sorry to hear you had to cancel your dream trip, but we hope to travel with you again some day. Belle ✈️ World Nomads

Easy and understandable as well as…

Easy and understandable as well as economical. This fits our needs very well. We haven’t had a claim so can’t speak to that aspect.

Hi Matt! Thank you for the 4 ⭐⭐⭐⭐review! We are so glad you had a positive experience Worldnomads. Your support is invaluable to us. Looking forward to seeing you again soon! Safe travels - Lucy ✈️ World Nomads

We were of course super bummed when my…

We were of course super bummed when my husband was injured just over a week before our big Morocco/Southern Euro trip. I had no idea how insurance would pan out, but was so thankful that Trip Mate and World Nomads were so obliging and pretty expedient! It was about six weeks between filing the claim and getting our checks. When we rebook our trip, I will definitely go through this company again.

Date of experience : April 26, 2024

Hi Michelle - we're so sorry to hear about your husband's injury 🤕 but we're glad we were able to help! We hope we get to travel with you again in the future. Belle ✈️ World Nomads

Loyal Repeat Customer Gets Run-Around

A Word Nomads repeat customer for many years, I finally had a claim--a small one involving trip interruption. The website says they process claims in 15 days, which is misleading. As far as I can tell, "process" means that's when an adjuster finally looks at your claim. Assuming it is approved, in "up to17 business days" supposedly payment will be made. At 7 weeks, and much emailing, calling, calls dropping, calls getting passed to different departments, and listening to Muzak, I am informed that I am "in process." Courtesy, both mine and theirs, does not seem to help. I am just glad this claim is not one involving an emergency or large hospital bill.

Date of experience : May 17, 2024

Hi Leigh, we're sorry to hear you had delay's with your claim. I have sent you a request for more information about your policy, so I can chase this up with the correct claims team. Leah ✈️ World Nomads

18 months later and they still haven't paid

I went to the emergency room in the US in November 2022 with my insurance card through World Nomads only to find out a few months later that they did not pay the hospital/emergency doctor! Took an entire year to get a majority of the medical bills properly paid. It is May 2024 now and turns out they STILL haven't paid a final portion of the medical bills. I spent hours on the phone and sent dozens of emails (no exaggeration) and every claims agent has no idea of the protocol and says something comepletely different. Truly an awful, stressful, needlessly tiring experience.

Date of experience : May 15, 2024

Hi Kathy, we're sorry to hear you had trouble with your claim. We don't want our nomads to feel this way. I have sent you a request for more information about your policy, so I can chase this up with the correct claims team. Belle ✈️ World Nomads

Good experience

Clear directions, fair price and fast results. I often use World Nomads for my travel insurance. Good to work with.

Date of experience : June 03, 2024

Hi Becky - thanks so much for the five star review 🤩 we really appreciate your comments. Safe travels - Belle ✈️ World Nomads

During my trip to thailand I got sick…

During my trip to thailand I got sick and got Covid-19, stayed in hospital BH hospital in huahin. 5 days of treatment and medical care, Trip made was very supportive and helpful during my illness. And covered my expenses after I filed the claim and presented all the necessary documents.

Date of experience : March 21, 2024

Hi Gilles! I am sorry to hear that you were unwell on your recent trip to Thailand, I hope you have made a full recovery. We appreciate your feedback and are delighted to know you enjoyed our Service. Your satisfaction is our top priority, and we look forward to serving you again soon. Thank you again for the ⭐⭐⭐⭐⭐review! 😀 Lucy ✈️ World Nomads


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    My wife used usaa and paid $22 for a nearly identical policy I paid $105 for from World Nomads. Hers is actually better though as there's less confusion in the terms and conditions. The most recent time I purchased will by my last time with world nomads. Date of experience: June 08, 2024. Useful.