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World Nomads Travel Insurance Review + 5% off [2024]

World Nomads travel insurance is one of the best and most well-known travel insurances on the market. The company has insured independent travelers since 2002. In this post, I'll provide you with a full World Nomads travel insurance review. Many people may have questions such as: Can I purchase travel insurance if I'm already on a trip? What does travel insurance cover?

Important notice: Some but not all World Nomads travel insurance policies offer coverage for COVID-19 related incidents. You must visit their website and select your country of residence to find out more. Events such as: government travel bans, border closer, mandatory quarantine requirements and government "do not travel" warnings or equivalent, are all not covered under the travel insurance policy. It is important to stay updated with travel restrictions and requirements.

Table of contents

⚠️ World Nomads promo code “WNFOUND” ⚠️

1. What is World Nomads?

World Nomads is a travel insurance company that insures individuals from 30 different countries. It was founded by a traveler named Simon Monk in 2002. Ever since then, they have been trusted by platforms like Intrepid, Lonely Planet, Nat Geo, etc. They are very proud of helping people all over the world travel and explore beyond their own boundaries.

2. Why purchase World Nomads travel insurance: Full Review

World Nomads offers some of the most comprehensive coverage on the market. They have two tiers of coverage plans: Standard Plan and Explorer Plan. The Explorer plan is the most comprehensive plan offering a higher dollar amount for coverage such as emergency evacuation, trip cancellation, trip interruption, damage to baggage, and more.

In addition to having a higher insurance cap, the Explorer Plan also covers additional adventure activities. Refer to the official website for all 150 activities covered under each insurance plan. Later in this World Nomads travel insurance review, I’ll discuss in more depth the differences between the Standard and Explorer plans.

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Medical coverage

A) Medical Coverage

Both the Standard and Explorer plans cover up to $100,000 in emergency medical expenses. Both plans offer more than enough coverage to engage in any adventure sport. You’ll be well taken care of. World Nomads covers accidental injury or sickness that occurs during your trip that results in an emergency evacuation. The Standard plan has a limit of $100,000 as opposed to the Explorer plan which caps at $500,000.

Both plans cover up to $750 in emergency dental treatment. The Explorer plan has a $500,000 limit for repatriation of remains while the standard plans has a $300,000 limit. This coverage ensures the return of your body to your home if you die during the trip. Keep in mind that World Nomads does not cover pre-existing medical issues.

B) Non-Medical Emergency Evacuation

World Nomads also offer coverage for non-medical emergency evacuations such as transportation expenses for an evacuation as a result of civil or political unrest in the country. It also offers coverage for certain evacuations as a result of a natural disaster or if you are expelled from the country. Always refer to the policy’s terms for more details.

C) Trip Cancellation, Delay and Interruption

In this section I will discuss the different benefits offered regarding trip cancelation, delay and interruption.

Trip Cancellation

Both plans will cover any paid non-refundable cancellation charges as a result of a covered illness, accidental injury, death of you or family and unforeseen natural disaster at home or your destination. World Nomads will not cover any cancellation if you simply change your mind and don’t want to travel on those dates.


  • Standard Plan: $2,500.
  • Explorer Plan: $10,000.


World Nomads covers unused portion of pre-paid accommodation or additional expenses. It only offers this coverage on a one-time basis and you must be delayed by 6 or more hours due to a covered hazard.


  • Standard Plan: $500.
  • Explorer Plan: $3,000.


Each plan also covers trip interruption under similar terms. If you must interrupt your trip (after departure) due to a covered reason, World Nomads will compensate any monetary loss.


  • Standard Plan: $2,500.
  • Explorer Plan: $10,000.

D) Damage to Baggage and Delay Coverage

World Nomads travel insurance plans cover any loss, theft, or damage to personal belongings as a result of carrier malpractice if you’ve done your part and taken good care of them. Both plans offer $500 coverage for high-value items such as jewelery, fur items, etc. If your luggage is delayed, both plans offer a limit of $750 or $150 per day, which can be used to purchase necessary items in your checked luggage that is delayed. Coverage: Standard Plan: $1000; Explorer Plan: $3,000

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World Nomads

E) Accidental Death & Dismemberment

The explorer plan offers twice the coverage as the standard plan for accidental death or dismemberment. World Nomads covers accidental loss of life or body part during your trip. The death or dismemberment must occur the same year (365 days).
Coverage: Standard Plan: $5,000, Explorer Plan: $10,000

F) Rental Car Damage (Explorer Plan: $35,000)

The explorer plan covers rental car damage only when is under your possession. The cause must be out of your control in order to be covered. Refer to the terms of your explorer plan for more details about what’s covered and what’s not. This coverage isn’t available fore residents from NY, TX and OR.

G) Adventure Sports and Activities

World Nomads covers emergency medical assistance, treatment and evacuation if you are seriously injured or involved in an accident participating in certain activities or non-professional sports overseas. . Not all sports and activities are covered under the standard plan. Please refer to the official website for more info.  

H) 24-Hour Customer Service Assistance

World Nomads offers 24-hour multi-lingual assistance which provides help and advice for medical emergencies. You can find medical centers and health professionals using this service. They can also arrange transportation to and from a medical facility. I recommend saving this number and having it readily available.

It’s extremely important to carefully review your policy after purchasing a plan. Nine times out of ten, travel insurance costumers have negative opinions and reviews about companies because they fail to carefully read the terms.

3. Does World Nomads travel insurance cover COVID-19?

It depends. World Nomads covers certain COVID-19 related medical expenses. I recommend clicking this link and reading more about their COVID-19 coverage. Below there’s some information about what is covered related to COVID-19 for U.S citizens. Keep in mind that insurance companies do not cover COVID-19 related issues if the country you are visiting currently has a lockdown, mandatory quarantine, etc.

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4. World Nomads Explorer Plan or Standard Plan

The Explorer plan and Standard plan both provide coverage while traveling; however, they differ in terms of coverage levels and specific benefits.

  • World Nomads Standard Plan: It usually covers the most important aspects of travel insurance. Medical expenses, trip cancellation or interruption, baggage loss or delay, emergency evacuation, and other routine benefits. The coverage limits may be lower than those of the Explorer plan.
  • World Nomads Explorer Plan: It provides more comprehensive coverage and greater coverage limits. It offers all of the features of the Standard plan but at a higher coverage level. Furthermore, the Explorer plan provides more broad coverage for adventure and extreme sports.

In the chart below, I’ll compare the cost and coverage for a 2-week trip to Thailand with the Standard Plan and Explore Plan.

CoverageStandard PlanExplorer Plan
Emergency Accident & Medical Coverage$100,000$100,000
Emergency Evacuation$300,000$500,000
Repatriation of Remains$300,000$500,000
Emergency dental treatment$750$750
Trip Cancellation$2,500$10,000
Trip Delay$500$3,000
Damage or Loss of Baggage$1,000$3,000
Damaged limit per item$500$1,500
Rental Car Damage (conditions apply)Not included$35,000
Accidental Death & Dismemberment$5,000$10,000
Adventure Sports & Activities (full list)LimitedIncluded
Cost of Policy$85.83 USD$155.06 USD
World Nomads Explorer Plan vs Standard Plan

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As shown in the chart above, there is a considerable difference between the Standard Plan and the Explorer Plan, not only in coverage but in cost as well. By the way, if you are planning on purchasing a policy, don’t forget to take advantage of the World Nomads promo code shown above. Restrictions apply.

Variables to consider when choosing a plan

  • Budget. This may be obvious, but cost should definitely be a factor to consider. World Nomads Explorer Plan, with its more broad coverage, is more expensive than the Standard Plan. Consider your travel insurance budget and how much you’re willing to spend.
  • Coverage Limit. Examine the coverage limits of both plans and decide whether the Standard plan provides adequate coverage for your needs or if you’d feel greater peace of mind with the Explorer plan’s more comprehensive coverage.
  • Tech Coverage. The Explore Plan has a more comprehensive tech coverage.
  • Planned Travel Activities. Because of its larger coverage, the Explorer plan may be more suitable if you intend to engage in adventure sports, outdoor activities, or other high-risk activities during your trip.

Before making a decision, it is critical to review the policy’s terms and conditions, coverage information, and any fine print related to the plans. Travel insurance is an important part of travel preparation since it can provide financial security and peace of mind in the event of unforeseen circumstances.

Always contact the insurance provider directly to clear up any confusion and confirm that the chosen plan meets your requirements.

5. World Nomads travel insurance review

World Nomads as an extensive history of insurance travelers and many have been able to thoroughly review their products and services.

If we search for World Nomad travel insurance reviews online, we’d come across websites like Trustpilot, where travelers speak very highly of World Nomads for the most part. Most negative reviews are from individuals who failed to review their policy’s terms and conditions, which I mentioned previously was a crucial step when purchasing a travel insurance policy.

world nomads travel insurance review
World Nomads insurance review

As you can see, World Nomads travel insurance is rated very fairly online. I know you may be thinking that a 3.6/5 rating isn’t necessarily good. However, If we take into account that it has 2.3K reviews, that rating is above average because the sample size is large.

Below, you can view World Nomads travel insurance reviews from travelers.

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world nomads insurance review

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World Nomads reviews are very positive for the most part. Travelers seem to be very satisfied with the company’s comprehensive coverage, flexibility, ease of use, emergency assistance, and adventure coverage. Digital nomads seem to be very happy with the service provided, as it is perfectly suited for long-term travelers who may need extended coverage.

Additional tip

Always keep any receipt and even take photos of the receipts of purchases of goods, medicine, healthcare services, etc. It will be useful if you ever make a claim and would like to be reimbursed. Have patience when making a claim, as it’s a slow process sometimes.

Don’t miss any of my travel tips to continue planning your next adventure.

I hope this World Nomads travel insurance review has helped you understand why it is necessary to travel with travel insurance and why World Nomads is one of the best on the market. You can also check Heymondo reviews or Iati Seguros reviews since they are good options too!

Traveling with insurance doesn’t add a lot of expenses to your budget; if you’re unlucky, it can actually save you a lot. If you have any questions or concerns, I encourage you to leave a comment or email me. Until next time, travelers!

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↠ If you still need to buy flights for your trip, there is no better search engine than Skyscanner (although I always recommend booking the flight on the company’s website).

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