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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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T
TJ
2/6/2020
I purchased a policy for an upcoming trip. They have my money, but I have yet to receive any information from them. I emailed them twice with complete info including confirmation of email addresses and phone numbers in case I gave incorrect info. I've called twice and waited until the auto answering service offered to take my number and return my call. It still hasn't happened. I'm VERY concerned about contacting them in case of emergency!


Debra N
1/30/2020
It has now been two hours that I have been on hold. What a joke. What? Do they only have one customer service rep? I know I won't get anywhere with them, but now it's the principal of it all! I am a frequent international traveler and have never had to use any insurance until now. Shame on the digital travel nomads who recommend this company!!!!


K
kzandstra
1/19/2020
My family of four recently took a 5 and a half month trip around the world and chose World Nomads for our travel insurance based on "recommendations" from Nomadic Matt, Intrepid and others. We had our two daughters at the Royal Angkor Hospital in Cambodia and they provided all of the documentation we would need to make a claim. After spending hours uploading everything sans the kitchen sink, they would not process our claim until we could supply an Explanation of Benefits from our U.S. medical insurance provider (who does NOT cover travel, thus our paying for a travel insurance policy.) I did all that was asked and received an EOB stating that our US insurance paid $0.00 and then patiently... Read More


A
Alex G
1/13/2020
ABSOLUTE WORST TRAVEL INSURANCE COMPANY!!! DO NOT PURCHASE!!! We had our claim denied and our appeal denied for absolutely no reason. We have spent hours talking to World Nomads on the phone and by email and have not been able to resolve anything. World Nomads has turned our travel experience into a nightmare. I have never been so upset with a company in my life. Please do yourselves a favor and do not purchase from world nomads.


Sarah W
12/9/2019
Terrible experience trying to get covered for a trip delay. I was stuck in San Fran for 24 hrs on my way to New Zealand. I missed my flight from Australia to New Zealand and had to buy new ones. Thinking this was exactly what trip insurance was for, I figured I'd be reimbursed for the flights. Well apparently they only cover trip delays if 1. it is due to the airport workers striking (umm... what?)2. weather delays greater than 24 hours. So we got no reimbursement and they were not super nice about it either. Very frustrating! Maybe they have better coverage for some things but not for trip delay or trip interruption. It's pretty ridiculous.


L
Lancelot
11/6/2019
Too good to be true... After years of purchasing travel insurance with them, I finally found out that they're just like every other insurance agency on the market. Like so many, they claim to cover a plethora of possible issues but when the reality of an unfortunate bump in the road presents itself they bring up the asterisks and fine print to renege on coverage. Easy read: My flight was delayed past the boarding cutoff to a connecting flight outside of the network of the previous flight. The airline refused to pay for another flight despite they being at fault for the delay. Major (and expensive) trip interruption for transcontinental flights. Submitted claim and was denied because ,... Read More


T
Toni W
9/19/2019
We are traveling to the United Kingdom & Ireland June 2020 for only 12 days but are not doing any extreme sports only sightseeing on a bus and walking. Is there a cheaper price for no sports? Thanks, Toni Watson


ehvictoria
9/13/2019
The phone and claims service was terrible! I had a knee injury in Malawi and couldn't find a doctor there. I went to Tanzania and the doctor told me to hang in there. After I got to a country where they were able to perform MRIs (right after my country of coverage), they found out I had a meniscus fissure. Although my main insurance paid for most of it, the travel insurance did not want to be responsible for any of it. I DO NOT RECOMMEND THEM AT ALL! If you travel to a poor country, as I did, they will not reimburse you no matter how bad is your injury. Do not purchase them!


close.1989
7/22/2019
World Nomads insurance is very easy to purchase... but beware. Make sure you look into who processes their claims for your home address. I failed to look into this, and as a result, had to deal with Global Excel for 15 months just to have them deny my claim (after World Nomads said it would be approved)


abby.volin
4/16/2019
I would leave zero stars if I could. They are either completely incompetent or this is a scam. I just returned from a trip to Indonesia. I had an accident and wanted to see a doctor. I tried contacting World Nomads so that they could send me a list of clinics and was unable to reach them by phone. I called their toll free international number from several phones and it would not go through. Then I emailed them. Since they say they are available, I assumed I would get an immediate response. An hour after sending my first email and hearing nothing, I sent another email. Still radio silence. I look for any other way to get in touch with them -- another email address, facebook, twitter.... Read More



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