Explorer Travel Insurance from World Nomads is ideal for those who engage in high-risk activities.
Standard Travel Insurance from World Nomads — Can be costly, as it covers activities that are usually covered by normal travel insurance.
World Nomads Travel Insurance protects people from 150 countries. It provides medical and evacuation coverage as well as emergency help 24 hours a day, 7 days a week. Trip insurance from World Nomads is designed to cover a wide range of adventure activities. Check out this detailed World Nomads Review.
Simon Monk expanded his fantastic travel blog to include trip insurance in 2000, and World Nomads Travel Insurance was created.
Simon’s experience as a world traveller inspired World Nomads Travel Insurance. Clearly, there was a market for supporting the trip insurance needs of other adventurous travellers.
As a corporation, they are focused on three areas: freedom, safety, and connection.
Language manuals and travel blogs are also available from the World Nomads Travel Insurance firm.
TripMate operates the World Nomads US Travel Insurance policies, which are underwritten by Nationwide. In other words, when a World Nomads Travel Insurance customer purchases a Nationwide coverage through TripMate, they are actually purchasing a Nationwide coverage.
Although white-labeling is common in travel insurance, most customers are unaware of it.
World Nomads Trip Insurance only covers trips that are more than 100 miles away from home for those travelling in the United States. For individuals who reside and travel within a reasonable distance of their home, this is critical.
If you’re planning on participating in more extreme activities, World Nomads Travel Insurance can help. It’s pricey, but it’s likely the only way to cover a traveller seeking high-adventure travel.
If a traveller is simply having a good time on vacation, World Nomads Travel Insurance is unreasonably expensive.
As a result, we consider the World Nomads Explorer Plan to be potentially good value. It provides coverage for daring activities not covered by standard trip insurance policies. Although it is costly, we believe it is a fantastic travel protection package. The World Nomads Standard Plan, on the other hand, appears to be prohibitively pricey. Despite the fact that it provides poor coverage, it is costly. Badminton and Lawn Bowls are among the activities supported by its ‘Adventure Sports’ cover. This form of ‘Adventurous Activity’ is covered in every normal travel insurance policy we’ve ever seen, according to our research. To play Lawn Bowls, you don’t need to buy a specific ‘Adventure’ policy.
Best World Nomads Alternatives 2023
- Travelex Insurance Services
Travelex Insurance Services, located in Omaha, Nebraska, is a well-known travel insurance provider Travelex was founded in 1996 and offers a variety of insurance packages depending on the level of coverage you require for your trip. Berkshire Hathaway Specialty Insurance Company, which has an A++ rating from AM Best and an AA+ rating from Standard & Poor’s, underwrites the policies. Customers can get coverage anywhere in the world.
The Travel Select plan starts at $28 and includes trip cancellation, trip interruption, emergency medical, and evacuation coverage, but there are other options for customising and upgrading coverage.
If you cancel your trip, you’ll be reimbursed up to $50,000. For trip interruptions, you can recover up to $75,000 or 150 percent of the trip cost. Emergency medical coverage is limited to $50,000, with emergency evacuation coverage of up to $500,000.
A 15-day pre-existing condition exclusion waiver is also available with Travel Select. Your pre-existing illness or disease is likely covered if you purchase your policy within 15 days of paying for your trip and insure the full amount of the trip.
Travelex provides comprehensive coverage (up to 150 per cent for interruptions) for you or your entire family at a low cost—and kids are covered at no additional cost. It was our top pick because of the affordable cost compared to the excellent levels of coverage. For the best coverage, look for the Travel Select plan.
- Reasonably priced complete coverage
- There are a variety of plan alternatives available, each with its own set of benefits.
- Children under the age of 17 are free of charge.
- Depending on the insurance purchase date, mixed pre-existing condition coverage is available.
- There isn’t a yearly plan offered.
- The bare minimum of coverage is included in the basic coverage plan.
Allianz Travel is a division of Allianz, a German insurance company founded in 1890. Travel plans are only available to legal U.S. residents and are insured by insurers with AM Best ratings of A- to A+.
Annual travel insurance, rather than separate per-trip coverage, should be considered for travellers who travel frequently throughout the year. Allianz Travel offers four distinct annual plans, each with a distinctive set of benefits. Their AllTrips Executive plan, which has the greatest limits and coverage, is one of our favourites.
For trip cancellation or interruption coverage, AllTrips Executive offers tiered limitations starting at $5,000. They also provide $50,000 in emergency medical coverage and $250,000 in emergency transportation coverage per insured and per trip. There are a slew of exclusions, including extreme sports, so read the tiny print before diving into adventurous activities.
The price point for a single traveller, a couple, and a family of four was $500 per traveller per year. If you spend $120 per person per trip for comprehensive coverage, you’ll be able to break even with this plan if you travel at least five times each year. If you’re looking for lower costs, the AllTrips Basic, Premier, and Prime options are available from Allianz.
Because of its wide coverage for regular travellers and low cost-per-trip, Allianz comes in second. The AllTrips Executive plan provides the most comprehensive coverage. Trip coverage is also available on an individual basis.
- Annual or one-time options are available.
- Different policy types are available to meet a variety of requirements.
- Even if you aren’t travelling together, you should insure yourself and your family throughout the year.
- Does not apply to long-distance trips.
- Per-trip limits are included in certain yearly plans, whereas annual restrictions are not.
- The greatest maximum for emergency medical transportation coverage ($250,000) is not the highest available.
InsureMyTrip is a travel insurance comparison service that uses a single intake form to search over 20 insurers. It has a simple signup and comparison feature that allows you to rapidly compare several policies depending on your specific requirements.
There are filters to help you find insurance that covers adventure sports, larger limits, improved medical coverage, and more.
A quote for a family of four on a 14-day trip for $4,000 that includes aircraft and hotel fees yielded three suggested plans with prices ranging from $100 to $112 to $345 for varied levels of protection. Luggage coverage, travel delay, and medical treatment were among the basic features.
InsureMyTrip’s insurers have received a variety of industry ratings and are generally regarded as respectable and financially stable. It’s still a good idea to study the policy information before clicking the buy button, as it is with policies purchased straight from insurers.
The claims processes, exclusions, and restrictions vary by the underlying insurer. However, InsureMyTrip makes it simple to make an informed travel insurance purchase.
With one form, you can compare policies from more than 20 different travel insurance providers to ensure you’re getting the best rate for the coverage you need. You can discover low-cost trip insurance or tailor a plan to your specific needs to avoid overpaying for coverage you won’t use.
- Request quotations from a number of trustworthy insurance.
- Shop around using a single app for a variety of vacation options.
- For your upcoming trip, compare different policies from qualified insurers.
- Many well-known insurers are missing from the list.
- The policy limits are not displayed on the initial listing pages.
- There are some insurance with minimal coverage limits included.
Frequently Asked Questions
- Is it possible to get insurance while already traveling?
Yes, you can purchase insurance while already traveling. This isn’t valid of many policies, therefore the fact that World Nomads provides it to travellers is a massive bonus. However, anything that occurs before you get the coverage is not covered (so you can’t secure it after your gear is stolen or you require emergency medical care).
- Is the online claim processing method safe?
Yes, you must use a secure portal that requires you to log in and directly upload documents—making claims via email with all of your personal information is significantly less secure. Then, when new information about the status of your claim becomes available, the emails simply tell you of a message, which you must view by logging in.
- What is the best travel insurance for seniors?
World Nomads provides coverage up to the age of 70, making it an excellent choice for adventurous senior travellers. Silver Nomads plans are also available for those over 70, but the coverage is more limited, so you should evaluate it more based on your destination.
- Will World Nomads cover for my expensive electronics and equipment?
Yes, even the most basic policy will cover theft of your goods. However, it isn’t a big amount of coverage, and if you’re going with a laptop, high-end camera, and a great smartphone, you’ll most certainly be far above your policy’s limitations. To cover my laptop, smartphone, and other devices, I have separate gear insurance. I’ve been using Clements for about a decade. This is SO worth obtaining if you have high-end cameras, cellphones, drones, laptops, etc. on your trip! Policies last a year and are affordable—this is SO worth securing if you have high-end cameras, cellphones, drones, laptops, etc. on your trip.
- Is World Nomads a decent place to volunteer on your vacation?
Yes, World Nomads offer coverage choices that are perfect for many volunteer trips. However, I have done a lot of volunteer work while on the road, and some longer assignments may require something more similar to an expat policy.
- Is World Nomads still worth it if I’m not planning any adventurous activities?
You’d be amazed what constitutes a “adventure” according to travel insurance companies! Unless you plan on doing nothing but relaxing on a poolside chair, you’ll need adventure sports coverage. This includes a short trek to a neighbouring scenic overlook, a day trip by bicycle, and other relatively simple activities. It also includes the larger ones, such as scuba diving, mountaineering, and kayaking. World Nomads is a good option if you’re travelling and will be gone for a long period. It covers all of the available adventurous activities.
- Is COVID-19 covered by the World Nomads Travel Protection Plan as a sickness?
If you test positive for the COVID-19 virus, a World Nomads travel protection plan purchased by a U.S. resident may provide coverage for specific benefits.
If you contract COVID-19 while travelling, these benefits may include emergency medical, emergency medical evacuation, trip delay, and trip interruption coverage.
If your doctor advises you that you are unfit to travel on your scheduled departure date due to being diagnosed with COVID-19 after you purchase your Travel Protection Plan, you may be eligible for trip cancellation coverage for pre-paid non-refundable travel expenses such as flights, hotels, and excursions covered by your Travel Protection Plan as part of your covered trip.
- Am I insured if I get COVID-19 and get sick?
You may be eligible for Trip Cancellation coverage if you fall ill with COVID-19 prior to your departure and after the effective date of your plan. These claims will require a physician’s confirmation and proof of illness stating that you are medically unable to travel at the time of departure.
With a confirmed diagnosis and proof of illness from a doctor, you may be reimbursed for Medical Expense and Trip Interruption benefits if you fall ill with COVID-19 while on your trip and your plan includes medical expense coverage. Please study the terms and limitations of such coverage in your specific plan.
- What is the free look period?
Perhaps you’ve made the decision not to travel after all, or your plans have changed after you purchased the Travel Protection Plan. All of their Travel Protection Plans come with a grace period during which you can cancel your plan without penalty. This is referred to as a “free look” or “review time.” This is the time to take a closer look at your coverage to see if it’s the correct fit for your trip. If it isn’t, you can request a refund on the Plan Cost as long as you haven’t begun your trip, filed a claim, or otherwise used the policy. Check your policy documentation to see how long you have a free look period (It varies by state.) Details should be under the ‘Satisfaction Guarantee’ section of your Travel Protection Plan.
- Does World Nomads offer a Cancel for Any Reason option?
No, World Nomads does not offer a Cancel for Any Reason option.
- Is it possible to extend an insurance coverage that has already expired?
If you live in Canada, the United Kingdom, or Australia, you can extend your insurance online. If you’re from the United States, you won’t be able to extend your coverage. In that situation, your sole option is to buy a new policy.
- Is multi-trip travel insurance a better option than single-trip travel insurance?
In some countries, you may buy a full year of World Nomads travel insurance, which will protect you anywhere you go if you select “Worldwide” in your policy, which is now in effect.
- Is it possible to purchase World Nomads insurance while already abroad?
Yes, you certainly can. There is no grace period for Americans. Canadians have a 48-hour grace period after receiving their certificate before coverage begins, whereas Australians and Brits have 72 hours. Emergency international medical charges and emergency transportation charges, on the other hand, kick in immediately immediately for Australians and Britons.
- Does travel insurance replace car rental insurance?
No, it’s not true. Only Americans get some coverage for car rental damage under the Explorer Plan, which is available through World Nomads. Your best bet is to pay for extra coverage or reserve your automobile rental with a premium credit card.
- Are there any countries that World Nomads does not cover?
Aside from nations where your own nation has issued a travel warning, the following countries are expressly excluded:
Iran, Syria, Sudan, North Korea, Crimea region, and Cuba.
- Is it possible to get double coverage with a credit card?
You could technically do it. Some premium credit cards cover the first 15 days of your vacation, so if you file a claim with both and they aren’t aware of it, you might be able to get away with it.
- Is World Nomads Travel Insurance a Reliable Provider?
World Nomads is one of the best insurance businesses available, particularly for long-term or backpacking travel insurance. It’s a firm run by and for travellers, with hundreds of other travel companies and writers recommending it, and it’s significantly less expensive than other insurance firms. I highly recommend them.