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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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nikto4949
2/1/2019
Having to extend my holiday trip into the Us, I have decided to subscribe a policy with World Nomads. After 10 days I started having a pain in one ear, associated with a cold. I wrote to the travel insurance (being concerned also for any problems that could arise to the eardrum during the fly back to my country), they replied that they would MAYBE consider to pay me back a medical visit provided that I sent them a copy of my passport: over the Internet...are you joking ?? (And what else you need.... some school leaving certificate ?) I think I am going to pay a medical visit out of my pocket and in the future I would stay very far from World Nomads


vanya
1/31/2019
Extremely BAD customer service and service as a whole. I have purchased Worldnomads and unfortunately had to submit a claim. I called them at the time of my emergency and I was transferred to a third party who had no idea what my policy does or doesn't cover. I couldn't get in touch with them at all and didn't receive any support. The website is terrible, not user friendly at all. When you're logged into your account you CAN NOT see your claim NEITHER your policy. I had an ongoing active policy and when clicking on "my policy" on the website would prompt me that I didn't have one. I submitted my claim and called 14 days after to check and see the processing times, since again when you... Read More


Monica E
1/28/2019
I was mauled by a monkey with serious injuries in October and still finding excuses not to cover any expenses, even though the receipts are just part of the costs because in many developing countries you get no receipts....so they are already winning funds....they only answer to my claim for the first time two weeks ago (claim was sent in Nove) so save yourself your health!! they will find many ways not to cover your expenses I could post the email exchange that would make an attorney cringe. I should have known better when a while back they refused to cover a trip delay when in reality I had apy for the service...please see reviews everywhere they are a business scam all about marketing.... Read More


S
Steven
1/14/2019
This is the first complaint I have written, but it is warranted. Our experience with World Nomads has been horrible! They sold us a policy covering 88 days, and we noted Egypt as a destination a few months in advance. 2 days before our flight to Egypt, as a result of an inquiry to them related to the tragic tour bus bombing in Dec 2018, they told us that we actually aren’t covered for Egypt because a sentence of their 40+ page insurance document provides an exception if the Government of Canada advises against travel. We tried to clarify for Egypt that the Government of Canada advises against certain areas, but the areas our tour was going are not on the travel advisory and thus that... Read More


errantsoles
12/18/2018
A complete scam from top to bottom!! Have you noticed how all the blogs that refer you to them don't allow comments at the bottom... red flag! For what it is worth I have used them since 2006 and paid them many times without ever contacting them or filing a claim. 12 years later I need to contact them; not for a claim but just to buy a policy as I was getting error messages. I reached out to "24/7" customer service and the only thing the lady said was we can't help you, we are after hours only and can only put in a request for emergencies during normal business hours. Thank god I didn't actually need there help! This is a big scam that bloggers use to fund there lifestyle without ever... Read More


M
Michal
10/24/2018
I submitted the claim 5 weeks ago. Despite of view reminders No answer so far....


Alyssa B
10/10/2018
Absolutely a scam. You will most likely never get your money back if you submit a claim with this company. They make you jump through so many hoops that you begin to wonder if it is even worth your time and frustration and sadness in knowing that they really don't care about their customers at all.


A
Anonymous
8/20/2018
Good luck when you actually try to claim from these people. They put you through an insane gauntlet even for tiny claims. If you get into some serious situation, what confidence can you have they'd pay up? Travelers buy insurance for peace of mind; that if you get into trouble, they'll protect you from terrible outcomes. This company instead will take your money, and then do everything they can to avoid just getting on with paying out rightful claims. Therefore they offer no such confidence, and actually lull you, dangerously, into a false sense of security. There is no peace of mind with this false travel insurance.


Matt K
7/13/2018
Definitely a scam. If you buy the explorer plan which is designed for backcountry skiing or snowboarding and need rescue, even if you are in a situation where you could die, they'll not pay for your rescue unless you have a broken leg or something. Avoid.


J
Johnny Z
10/3/2017
It's nothing but a scam. They pretend to be offering insurance for nomads while they don't have any idea about nomads and nomadic travels. I would not buy an insurance from such a company.



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