Traveling is an exhilarating experience, but it comes with its fair share of uncertainties. Whether you’re exploring the bustling streets of Tokyo, or hiking through the rugged terrains of Patagonia. Simply relaxing on a tranquil beach in Bali, unexpected situations can disrupt your journey. From lost luggage to unexpected medical emergencies, a comprehensive World Nomads becomes invaluable.

That’s where travel insurance becomes your safety net, and World Nomads is a name that often comes up in discussions about travel insurance. In this in-depth World Nomads Review, we’ll delve into the various aspects of Travel Insurance to help you determine if it’s the right choice for your next adventure.


What is World Nomads Travel Insurance?

World Nomads Travel Insurance is a popular choice among globetrotters, books for digital nomads, and adventure enthusiasts. Founded in 2002, it has earned its reputation for flexibility, coverage options, and a commitment to responsible travel. With over 2 million customers worldwide and a track record of paying out over $2 billion in claims since its inception, World Nomads offers comprehensive coverage.

Their remarkable 95% customer satisfaction rating underscores their dedication to providing quality service and reliable protection for those who embark on exciting journeys around the world. World Nomads stands as a trusted companion for travelers, offering not just coverage but also a sense of security and support throughout their adventures.


World Nomads review


World Nomads Travel Insurance Plans

World Nomads offers a diverse array of travel insurance plans, with two primary options that cater to a wide range of travelers. The Standard Plan, priced at $86, is an excellent choice for those content with trip cancellation and interruption coverage up to $2,500. Without the need for rental car damage protection, who finds the coverage limits satisfactory? A comprehensive list of covered sports by plan type is readily available on the World Nomads website.

On the other hand, the Explorer Plan, priced at $155, encompasses all the benefits of the Standard Plan and goes beyond. It offers higher coverage limits and includes rental car damage digital nomad insurance where applicable. Extends coverage to adventurous pursuits like skydiving and heli-skiing. It’s an ideal choice for travelers whose trips have a total cost of less than $10,000, as this plan offers maximum trip cancellation and interruption protection.


Comparison: World Nomads Standard Plan vs. Explorer Plan

Choosing the right travel insurance plan is a critical decision for any traveler. It’s essential to consider your specific needs, budget, and the level of coverage required for your journey. World Nomads, a renowned travel insurance provider, offers two primary plans—the Standard Plan and the Explorer Plan.

Let’s take a look at a comparison between the Standard plan and the Explorer plan, along with the coverage levels each plan provides:


Coverage Type Standard Plan Coverage Amount Explorer Plan Coverage Amount
The Trip Cancellation $2,500 $10,000
Trip Interruption $2,500 $10,000
Trip Delay $500 (after a six-hour delay; $250 limit per day) $1,500 (after a six-hour delay; $250 limit per day)
Emergency Medical Insurance $100,000 $100,000
Emergency Evacuation $300,000 $500,000
Non-Medical Emergency Transportation $25,000 $25,000
Accidental Death and Dismemberment $5,000 $10,000
Repatriation of Remains $300,000 $500,000
Baggage Delay $750 (after a 12-hour delay; $150 limit per day) $750 (after a 12-hour delay; $150 limit per day)
Baggage/Personal Effects $1,000 ($500 per article limit; $500 combined article limit) $3,000 ($1,500 per article limit; $500 combined article limit)
Rental Car Damage N/A $35,000


The following provides a clear comparison of coverage amounts between the Standard Plan and the Explorer Plan for various aspects of travel insurance. So, it’s essential to your policy documents for precise information.


World Nomads Travel Insurance Cost

Cost is a significant factor when considering travel insurance. The price of travel insurance can vary depending on several factors, including your age. The duration of your trip, the destination(s), and the coverage level you select. The Explorer Plan is more expensive than the Standard Plan due to its comprehensive coverage. At the same time, nomads may not always be the cheapest option.

Here’s an example of the cost of World Nomads Travel Insurance for different scenarios:


Traveler’s Age Trip Duration Destination Coverage Level Plan Type Price (USD)
25 7 days Thailand Basic Standard $68
40 14 days Italy Comprehensive Explorer $145
32 21 days Australia Basic Standard $92
55 10 days Peru Comprehensive Explorer $180
28 30 days Japan Basic Standard $110
45 7 days Costa Rica Comprehensive Explorer $160


Please Note: These are hypothetical prices for illustrative purposes only. The actual cost of World Nomads can vary based on factors such as your specific travel details, individual circumstances, and any applicable discounts or promotions. 


What Type of Activities Do World Nomads Cover?

World Nomads offers various coverage levels for its travel insurance options, all categorized as single-trip plans. These plans are tailored for individuals embarking on journeys away from home, visiting multiple destinations. Returning home, providing comprehensive coverage that includes trip cancellation and trip interruption. Medical benefits automatically include coverage for over 200+ activities.

These activities include but are not limited to:


  • Air guitar
  • ATVs
  • Backpacking
  • Ballooning
  • Bungee jumping
  • Cage fighting
  • Caving and spelunking
  • Cliff diving
  • Dog sledding
  • Free diving (up to 197 feet)


This extensive coverage of adventurous activities makes World Nomads an appealing choice for travelers seeking to explore and experience a wide range of exciting pursuits during their journeys.


Is World Nomads insurance a valuable investment?

When planning your travels, one essential consideration is whether investing in World Nomads insurance is a wise choice. This delves into the strengths and limitations of World Nomads travel insurance to help you make an informed decision for your next adventure.




  • Comprehensive Coverage: World Nomads offers a wide range of coverage options, including emergency medical, trip cancellation, and baggage protection, making it suitable for various travel needs.


  • Flexibility: The availability of two primary plans, the Standard Plan and the Explorer Plan allows travelers to choose the level of coverage that best suits their specific trip and budget.


  • Global Reach: World Nomads provides coverage in over 150 countries, catering to a diverse international clientele. This extensive reach ensures that travelers.


  • Customer Assistance: The company’s round-the-clock travel assistance ensures that travelers have access to support and guidance, enhancing their overall travel experience.




  • Price: While offering comprehensive coverage, World Nomads may not always be the most cost-effective option, and travelers on a tight budget might find cheaper alternatives.


  • Limited Extreme Sports Coverage: Travelers engaging in extreme or high-risk activities may find that World Nomads does not cover some of their chosen pursuits.


  • Pre-existing Conditions: Coverage for pre-existing medical conditions may be limited, requiring thorough understanding and disclosure of such conditions during the policy application.


  • No Trip Interruption for Any Reason: Unlike some other insurance providers, World Nomads does not offer “Cancel for Any Reason” coverage, which might limit flexibility in certain situations.



Which World Nomads Insurance Plan is Best for You?

Determining the right World Nomads insurance plan for your needs hinges on understanding the coverage that aligns with your trip. Whether you’re planning a short weekend getaway or an extended international adventure. Selecting the most suitable plan is crucial for ensuring your peace of mind while traveling.

Here are some guidelines:


  • Premium Travel Cardholders: If you hold a premium travel card with significant trip cancellation/interruption benefits. For instance, The Business Platinum Card® from American Express offers $10,000 per trip and $20,000 per year in trip cancellation benefits.


  • Inadequate Card Coverage: If your card’s coverage is insufficient or inapplicable, or if you didn’t use your card for trip payment. A comprehensive insurance plan like the Standard or Explorer plan may be the better choice.


  • Relaxed Travelers: For those not interested in adventure sports. With trips costing under $2,500 (or with existing trip cancellation/interruption benefits through your credit card), the Standard Plan should suffice.


  • Frequent Travelers: Frequent travelers who embark on multiple trips annually might consider World Nomads’ annual travel insurance plans. These provide year-round coverage, making them a cost-effective choice for frequent travelers.



How to Claim with World Nomads Travel Insurance 

Initiating a claim with World Nomads Travel Insurance is a straightforward process designed for your convenience. You can easily file a claim online, accessible 24/7 through your account on the World Nomads website. After answering a few questions related to your claim, simply provide the necessary supporting documentation. It’s a hassle-free way to ensure that your claims are efficiently processed when needed.

Following the submission, you will promptly receive an email confirmation acknowledging your claim. Should you encounter any difficulties while filing a claim online, don’t hesitate to contact a claim administrator for assistance. You can reach them via phone at 1-844-207-1930 or through email at, ensuring a seamless process for your claims-related inquiries.

Also read: Wise Online Money Transfer Review: The Ultimate Resource for Digital Nomads


Does World Nomads Travel Insurance Have 24/7 Travel Assistance?

In the world of travel insurance, having 24/7 travel assistance is a must. World Nomads excels in this regard by providing round-the-clock customer support and assistance. Whether you need help with a medical emergency, have questions about your coverage, or require assistance with lost documents or belongings. World Nomads’ customer service team is just a call or click away. 

According to a recent survey by World Nomads, over 90% of policyholders have utilized the company’s 24/7 travel assistance services, highlighting its vital role in travelers’ journeys. The most common reasons for contacting World Nomads include medical assistance (40%), lost or stolen luggage (25%), flight cancellations and delays (15%), visa and passport issues (10%), and other travel-related concerns (10%). 


Can You Buy World Nomads Travel Insurance Online?

Absolutely, getting World Nomads travel insurance is a breeze through their user-friendly website. You can hop online, easily obtain a quote, tailor your coverage to suit your needs and complete the purchase hassle-free. This online convenience is a real plus, especially if you’re a last-minute planner or have intricate travel plans in the works. It’s worth noting that World Nomads isn’t limited to one corner of the globe. 

They’re available in over 150+ countries and have a diverse customer base of over 1 million fellow travelers worldwide. Their dedication to keeping customers satisfied shines through, with a track record of paying out over $300 million in claims and an impressive 4.5-star rating on Trustpilot. This combination of accessibility, comprehensive coverage, and a solid reputation makes World Nomads.


World Nomads Travel Insurance Financial Stability

Before choosing any travel insurance provider, it’s essential to consider the company’s financial goals and stability. World Nomads underwrites its policies through various reputable insurers, including XL Catlin and Nationwide. This diversification minimizes the risk associated with relying on a single insurance company. World Nomads has been in the travel insurance industry for over a decade.

The company boasts a strong credit rating of A- from Standard & Poor’s, a net asset value exceeding $100 million, a claims payout ratio of 70%, and an impressive solvency ratio of 200%. These factors collectively demonstrate that World Nomads is building financial wealth capable of meeting its financial obligations and fulfilling claims to its customers.


Travel Rewards with World Nomads Travel Insurance! ✈️

Contemplating the World Nomads Travel Insurance? Delve into our comprehensive review for an educated choice.

World Nomads specializes in travel insurance and assistance. We’re here to support you in exploring the right insurance plans for your journeys.

Discover our in-depth review and travel assistance and relocation services for digital nomads, including insurance coverage. Set up a consultation today for smarter travel and relocation decisions, enhanced protection, and a more worry-free adventure.

Reach out to us now and embark on the path to well-informed travel choices. 👨‍💻


Final Words

World Nomads is a robust and flexible option for travelers seeking coverage and peace of mind during their journeys. With a variety of plans, coverage for adventurous activities, and 24/7 customer support, it caters to the diverse needs of modern travelers. While its pricing may not always be the cheapest, the value it provides in terms of coverage and assistance often justifies the cost.

The suitability of World Nomads Travel Insurance and apps for digital nomads depends on your individual travel preferences and needs. It’s crucial to carefully assess your itinerary, the activities you plan to undertake, and your budget to determine if World Nomads is the right choice for you. Investing in travel insurance is an investment in your safety and well-being as you explore the world.

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