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World Nomads Travel Insurance Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
30 Customer Comments & Reviews - see all comments
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WorldNomads began as a personal website in 1997 and has since evolved into one of the most innovative travel insurance companies in the market, offering flexible policies for long-distance travelers and backpackers.

Their insurance plans are specifically designed for independent travelers planning to engage in adventurous activities and wanting to ensure themselves and their gear.

How is World Nomads rated?

Breakdown

4.5/5
Coverage
4.5/5
Extra Benefits
5.0/5
Financial Strength
4.8/5
Price & Reputation

Overall Rating: 4.6 / 5 (Excellent)

World Nomads is a great choice for wilderness and sports enthusiasts and travelers who either reside in or are interested in exploring the less frequently visited and more remote corners of the world. Their Standard and Explorer plans cover individuals from over 150 countries.

World Nomad offers the standard and optional coverage may insurers do, including trip cancellation and interruption, travel medical, evacuation and repatriation, personal items protection, and rental car damage. But they supplement that typical protection with coverage for aerial safaris, dirt boarding, tandem skydiving, tree climbing and dozens of other activities., Coverage varies based on a traveler’s country of residence. World Nomad provides multilingual assistance anywhere in the world.

Those considering purchasing insurance through World Nomads should keep in mind they will not cover pre-existing conditions, individuals over the age of 70, or large groups of people. Because their policies cater to a specific client base, they may not be the right fit for every consumer, but are sure to strike a chord with adventurers.

World Nomads Plans & Coverage

Coverage - 4.5 / 5

World Nomads offers two travel insurance plans, the Standard and the Explorer.

Both options include the standard medical emergency, trip cancelation and delay, and baggage coverages, plus protection for a long list of activities, including adventure sports.

The Explorer plan is features higher coverage amounts for emergency evacuation and repatriation, trip interruption and delay, baggage and personal effects, AD&D insurance, and rental car coverage, which is not included with the Standard plan.

Neither option covers pre-existing conditions. Both include 24-hour assistance services.
Available Plans
Comprehensive
Trip Cancelation/ Interruption
Medical
Baggage
Accidental Death
Trip Cancellation/Interruption Coverage
Injury/Illness/Death of Traveler
Injury/Illness/Death of Non Traveling Family Member
Natural Disaster at Destination
Victim of Crime Prior to Trip
Emergency Medical and Emergency Transportation Coverage
Doctor, Hospital, or Other Licensed Provider
Dental
Emergency Medical Evacuation/Repatriation
Baggage Coverage
Lost/Damaged/Stolen
Baggage Delay Coverage
Exclusions

Emergency Medical Coverage Details

Emergency Medical Pre-Existing Condition Coverage
Maximum Emergency Medical Reimbursement
$100,000
Maximum Emergency Medical Evacuation Reimbursement
$500,000
Deductible for Emergency Medical Coverage

Baggage Coverage Details

Maximum Baggage Reimbursement
$3,000
Valuable Item Limit
$1,500

World Nomads Financial Strength

Financial Strength - 5 / 5

World Nomads's U.S. travel insurance policies are backed by Nationwide, a leading insurance and financial services provider offering insurance auto, property, life, small business, and specialty insurance products across the United States.

Nationwide and its subsidiaries are financially sound enterprises with superior issuer credit and financial strength ratings from all major credit rating agencies including Standard & Poors, Moody's, and A.M. Best.
Underwriter
Nationwide Mutual Insurance Company
Standard & Poor's Financial Rating
A+
Moody's Financial Rating
A1
AM Best Financial Rating
A+

World Nomads Price & Reputation

Price & Reputation - 4.8 / 5

World Nomads is not accredited by the Better Business Bureau and receives an F rating based on a handful of negative customer reviews over the past few years. The company earns 3.2 out of 5 stars on Trustpilot.
BBB Rating
F
Date Collected
2020-10-20

World Nomads Customer Assistance Services

Extra Benefits - 4.5 / 5

World Nomads offers worldwide multilingual assistance 24-hours a day, a feature included in both their Standard and Explorer plans. In addition, the company has developed 15 "language guides" as mobile applications that contain essential phrases in languages like Croatian, Swahili, Korean, and more.

They have also developed a free Q&A app for travelers seeking travel tips and advice from locals and fellow nomads. World Nomads does not provide an app for their travel insurance policies, so travelers looking to update their coverages or file claims while on the go have to do so through the company's website.
24/7 Support
Mobile App

Travel Assistance Services

  • Lost Baggage Search
  • Lost Passport/Document Assistance
  • Emergency Cash
  • Translation Services
  • Up to the Minute Travel Advisories

Emergency Medical Assistance Services

  • Physician Referral
  • Emergency Medical Case Management
  • Arrange Medical Payment Where Available
  • Emergency Prescription Replacement
  • Update Family at Home
  • Shipment of Medical Records
Display Less
3 More

Concierge Assistance Services

  • Restaurant/Event Referral and Reservation
  • Ground Transportation Recommendations
  • Weather Advisories
  • Wireless Device Assistance
Display Less
1 More

Homepage URL
Company Phone
(855) 878-9588
Headquarters Address
1900 Addison Street, Suite 200, Berkley, CA, 94706

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30 Customer Comments & Reviews

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mansruin75
9/4/2022
ABSOLUTELY AVOID this company. We bought a comprehensive policy to cover us in December '21, and we got quarantined in Iceland. We couldn't reach them by email, by phone, nothing. You just get a run around and even after we got back after 2 weeks, still no response or help, whatsoever. You will waste your time and money. They seem to pay these influencers, travel junkies, and bloggers for promotion. It's an absolute racket.


A
Anne S
8/14/2022
We learned the hard way that this a scam. The organization is misleading and will take any steps to make sure they find a reason to avoid your claim. They will never refund you for anything, even what falls within the claim, so you are better off not paying for insurance.


rlehrman747
3/19/2022
Can I give fewer than 1 star? Avoid World Nomads. They are a fraud. The only ones who like them are the travel bloggers they pay to write positive reviews. Their price is cheap, and you get what you pay for. I bought their insurance for a trip to Costa Rica. The day before my flight, I went for a covid test to return to the US, and tested positive. I felt well and thought it was a false positive. It was positive a second time and I was quarantined in Costa Rica. I had to pay for transportation, a covid hotel room, food, a doctor, etc. I called World Nomads as soon as I was quarantined. They did not help me. It took 4 days to get the wrong insurance papers, to the wrong department. Thank... Read More


A
Anita
1/4/2022
I’m sure the pandemic has been hard for them. My issue is that I called them prior to making what should have been reimbursable expenses. Rather than tell me he didn’t know; the rep made it sound as if the emergency purchases would all be covered. I’ve left reviews and they asked me to email them but guess what? No response. Rather than purchase insurance, I’d put the money aside so you have that extra cash to cover any unexpected expenses. Personally, if I’m going to make a charitable donation, I’d prefer it go to refugees or abused animals, rather than big business. Bloggers who may get a commission, or at the very least, special consideration if any issues come up, seem to all be in... Read More


ingrideeaker
12/14/2020
Bad faith insurance company. They have no intention of paying on your claim. When I had to cancel my trip due to a sudden change of employment, I submitted everything they asked for 3 times. They sent me email after email as if they never got my documentation. When I persisted and they ran out of ideas, they said they required proof that the company I had been hired by employees more that 25 people..... What? Just.... What? They never paid out my WHOPPING $240. They ultimately sent me a last message requesting proof of cancellation. No more than 3 minutes later they sent me a case closed, no further negotiations email. It sucks because travel agencies seem to trust these fakes and... Read More


J
Judith
8/12/2020
Guess what? World Nomad outsources their insurance to Tripmate which you can look at 103 one star reviews on the web! They don't help by email or phone! SAAirways out of business, clearly covered in the contract and they want me to provide proof of ticket cancelation from a company out of business that does not answer the phone. Flat out scum!


W
wes h
8/9/2020
Don't use World Nomads. Terrible experience. would give 0 stars if I could and am pursuing legal action. My son's gap semester (spring 2020) was run by Pacific Discovery, and they REQUIRED WORLD NOMAD travel disruption insurance. After Guatemala closed its borders and kicked all tourists out to battle Covid, Pacific discovery cancelled the remaining 60% of the trip and told all travelers to contact World Nomad for insurance coverage payments as the program itself would not cover. We have sent 10 letters, countless phone calls and emails, and detailed paperwork to continue to be told that World Nomad will not cover as the "quarantine" or "government action" clauses did not force... Read More


vcooke63
5/12/2020
Don’t waste your money on World Nomads: Our planned trip was canceled by 1) the excursion provider, 2) the airline and 3) the country. The only way we could get our money back via World Nomads is if we illegally entered the country and then ask them to “rescue” us after we put ourselves at risk. Not worth it. Would give them zero stars if I could.


M
Mary
4/1/2020
I know that we are in the midst of a pandemic, but World Nomads is not (fully) reimbursing me for my cancelled flights or the flights I had to purchase out of pocket to get to my home country. I’m beyond frustrated that they are offering me less that 20% of a total loss I’ve incurred due to this unforeseen circumstance. I thought situations like this were one of the reasons you bought insurance?! I don’t understand why insurance companies are allowed to operate if they don’t/can’t comply with the services they sell to customers.


Amber L
3/2/2020
I purchased insurance. Never received a confirmation email. I tried to email, call, tweet, contact via instagram and facebook messenger. LITERALLLY!!! I could not get through to anyone. How does that EVEN happen! I am infuriated.



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