June 24, 2024
World Nomads Insurance Review

Best for Adventure Sports

World Nomads offers ideal coverage options for adventure seekers. For example, the Explorer plan — the company’s most comprehensive — insures against accidents that can happen in adventurous activities and sports, including triathlons.

 

Most of World Nomads’ competitors don’t offer similar insurance packages for travelers involved in high-risk activities. However, purchasing a World Nomads plan may be expensive if your trip doesn’t include sport and adventure activities .

 

World Nomads Travel Insurance Pros and Cons

PROS

Insurance coverage for 200+ sports and adventure activities

24/7 emergency assistance

Additional coverage can be purchased during your trip

CONS

No pre-existing medical condition coverage

No coverage options for travelers aged 70+

No “Cancel for Any Reason” add-on available

Pros explained

World Nomads plans can include coverage for more than 200 types of sports and activities, 24/7 emergency assistance and the option to purchase additional coverage during a trip.

Insurance coverage for 200+ sports activities

World Nomads Travel Insurance is an excellent option for thrill-seeking travelers. The company has two plans that cover a wide range of sport activities.

 

The Standard package covers activities such as horseback riding, zip lining and river tubing. The Explorer package offers coverage for more intense activities like shark cage diving, skydiving and ice climbing.

 

However, World Nomads has specific restrictions on some of the activities. For example, the Standard package covers tree climbing but only up to 33 feet. With this in mind, read your insurance agreement carefully to make sure you know the extent of your coverage.

 

24/7 emergency assistance

World Nomads Travel Insurance has a hotline with representatives ready to provide emergency assistance 24 hours a day, seven days a week for both the Standard and Explorer plans.

 

Agents can help you schedule a dentist appointment for an emergency tooth extraction or advise you on how to get a prescription filled while traveling internationally, for example. You can also get assistance for replacing lost or stolen items, arranging medical transportation and arranging an emergency cash advance.

 

Additional coverage can be purchased during a trip

Another advantage of choosing World Nomads is that if you decide to extend your vacation mid-trip, you can buy additional coverage.

 

World Nomads policies can cover getaways of up to 180 days. However, if your coverage expires during your trip, you can log onto the World Nomads site and purchase a new policy.

 

Verify all policy documents the company sends by email as they contain important information regarding waiting periods, conditions and restrictions that may apply.

Cons explained

Just as World Nomads trip insurance has positive features, there are some drawbacks.

No pre-existing medical condition coverage

World Nomads considers any illness, disease or other condition you’ve had within the past 90 days a pre-existing medical condition. These are not eligible for medical expenses, trip interruption, trip cancellation and accidental death and dismemberment coverage.

 

World Nomads defines a pre-existing condition as one you’ve:

 

Shown symptoms of

Been tested or treated for

Been recommended to get a test for

Received a prescription for

Note that many travel insurers do not underwrite pre-existing conditions. However, some offer a pre-existing condition exclusion waiver if you purchase a policy within a set number of days of making the first payment towards your trip.

 

Travelers aged 70+ can’t purchase coverage through World Nomads

World Nomads does not insure U.S. travelers that are age 70 or older. But residents of some countries will find other age limits. For example, Canadian travelers must be under age 66 to purchase coverage, and residents from the United Kingdom must be under 65.

 

No ‘Cancel for Any Reason’ upgrade

Worlds Nomads Travel Insurance doesn’t offer a “Cancel for Any Reason” (CFAR) coverage. This optional add-on is offered by some insurers and it allows you to cancel your trip for any reason, even if it’s not covered in the main policy. CFAR coverage usually provides a refund of up to 75% of your non-refundable trip costs.

 

World Nomads Travel Insurance Plans

World Nomads Travel Insurance offers two plans, Standard and Explorer. Both plans are similar, but the Explorer plan offers higher coverage limits.

 

Plans are available for international or domestic travel. If you are purchasing coverage for a domestic trip, you will not be covered unless your destination is over 100 miles away from your home.

Standard Plan

The Standard plan is quite comprehensive, covering trip interruptions and delays, medical expenses, accidental death and dismemberment and more. Some of the plan’s benefit limits include:

 

$2,500 for Trip Cancellations

$100,000 for Medical Expenses

$300,000 for Emergency Evacuations

This plan also insures baggage, gear and personal effects up to $1,000. Keep in mind that it covers activities and sports that most other insurance companies don’t, such as backpacking, sailing, golfing and more.

 

Explorer Plan

The Explorer plan covers everything the Standard plan does, but also offers more benefits and higher coverage caps.

Although the Standard plan covers numerous sports and adventures, the Explorer plan is the best option for travelers participating in higher-risk activities, such as hot air ballooning and skydiving. The plan also includes rental car coverage except for residents of Texas or New York.

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