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World Nomads Insurance: The Answer Everyone Wants To Know

Seaward

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  • Added on: October 1st, 2006
Thanks for this post! I was definitely considering World Nomads, but was also curious what I was missing with respect to coverage in regards to it being so cheap. Glad to know it worked in the case of a medical emergency!
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didgital

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  • Added on: October 3rd, 2006
Regarding Whalewatchers comment about all insurance companies being the same, there's an element of truth to that. I know it's a pain in the butt to read through all the fine print and fancy wording of insurance contracts, but if you do read the contracts and compare them to each other you will find that they are almost identical. World Nomads promotes themselves as being an insurance company for backpackers and adventure travellers, but it's crap. If you read the fine print in the policy you basically have to have your hand held just like every other insurance company. You cannot trek on your own in the mountains, or the jungle, you can't go down a river on your own in any craft, you can't do many things on your own or with others without a licenced guide or company. The only thing World Nomads is good for is being able to extend the policy on-line for as long as you travel and being able to claim on-line. These are good things, but aside from that WM is the same as everyone else. I've been using World Nomads for about five months and I did have an issue with their customer service about a month ago that was fortunately cleared up. I'll probably keep using them because they are cheap and easy, but the restrictions of all these companies is a drag. Whalewatcher screwed up by letting her guard down. No insurance company would be responsible for that kind of theft. If some guy pulled a knife and demanded the bag, that would be different. I'm sorry you lost your bag Whalewatcher, that really sucks, but you did fall for the oldest trick in the book of scams. Watch out for dorms too, because no insurance company that I know of covers theft in a dorm room unless the goods are in a locker. I confirmed this with WN and the last insurance company I used. They may not hold to that exclusion, but usually these companies stick to the contract word for word. The same goes for renting motorcycles without an official licence from your home country. Technically insurance companies don't have to cover your injuries if you have an accident without a licence, because technically your breaking the law. Most days my things or my person would not be covered because of the way that I travel, but it just wouldn't be fun sticking to the contract all the time. I'm willing to take a risk here and there with my insurance, but if you're not comfortable doing such things then I suggest you fully read the fine print in whatever contract you choose.

imposter

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  • Added on: January 31st, 2007
I find World Nomads pretty expensive for what they are, but I do trust them to pay out based on past experience.

Mom

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  • Added on: February 13th, 2007
I am in the throws of planning a RTW trip with my 3 children......we have great health insurance for home(medical/dental) and they cover ER visits while we are away. The insurance is thru a large coorporation (my husbands employer). Do I still need travel insurance? Please advise! Other than ER visits do folks need heathcare much while on the road?

I think that our insurance will even cover all of the vaccinations for the various countries we will be visiting.

PhotoChick

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  • Added on: February 18th, 2007
Mom,

Travel insurance is a very vague term. You have health coverage for ER visits, but travel insurance can also include things like trip delay, baggage loss, flight cancellation, emergency evac, etc. I would read the fine print of your hubbie's insurance policy bc most have a lot of weird "out of country" stipulations, regardless of how generous they are at home. I got hurt in a small city in China and had to visit a local clinic because there was no ER. It's things like that that may fall between the cracks and which 3 kids, you don't want any falling in the cracks!

Where are you traveling to? THat also may help answer the question.

PC
Latest Adventure: Una Moto en Argentina
Check out my RTW blog

Mom

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  • Added on: February 18th, 2007
PC-

Thanks for the very helpful advice. I talked to an agent with regards to our coverage BUT reading the FINE print is great advice. I will get a copy of the exact policy. I will also let them know of our plans to absolutely sure we will be covered with medical/dental ER coverage. I will also get it in writing or at the least follow up with my own letter to the insur. company of our conversation and my understanding. We are planning to be out of the country for 6 months: SEAsia, India, S. Africa(?), Egypt, Italy(Rome, Floence, Venice), (train to Paris)France, Home.

I will look into supplemental insurance that covers: Evac, flight cancellation, and lost/stolen luggage.

Again thanks for the response. I will look at your blog. PS-do you have travel insurance? I will be looking into Nomad for some policies.

Travel safely,

Mom

PhotoChick

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  • Added on: February 19th, 2007
Mom,

I had a policy that covered both health and baggage, trip delay, all of that. I did use it on several occassions. I did not use World Nomads because I had heard they were a pain in the bum. To be honest, I can't remember who I used now, but it wasn't WN. Use the insurance compare tool on this site, it's pretty helpful.

SE Asia, India, S. Africa, and Egypt are the guys you want to be absolutely certain you are covered. Weird stuff happened in places like this (I myself got myself impaled on a bicycle handle unexpectedly) and was happy to get reimbursed by my insurance for the cost of the "western" hospital fees.

PC
Latest Adventure: Una Moto en Argentina
Check out my RTW blog

cjun

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  • Added on: February 21st, 2007
I bought the Atlas series through Multinational Underwriters. I am paying US$46 per month with the sports rider for $500 deductible insurance. Hopefully I won't have to see if they pay out.
For details of my 2007-2008 RTW trip go to Barry Backpacks Around the World.

bump_bailey

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  • Added on: January 11th, 2009
Reading through the policy it says that Nomads does not cover emergency medical. Confirm?

Skylab

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  • Added on: January 29th, 2009
bump_bailey wrote:Reading through the policy it says that Nomads does not cover emergency medical. Confirm?


Their motto says "Our insurance is focused on what is really important, medical & emergency evacuation". So they do cover it.
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cliphy

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  • Added on: March 23rd, 2009
My question is whether World Nomads will cover an "everyday" type of treatment like just getting the flu or something that, technically-speaking, is not life threatening.

Though the answer seems obvious, their policy covers
you have a sudden, unexpected illness or injury during your trip that's either life threatening or could cause serious and irreparable harm if it isn't treated.


Just to be certain, we emailed them 3 times just to make sure they cover you for simple illnesses like the flu and each time, they refused to answer in plain english and just repeated the policy wording. That just makes me nervous...

Anyone made a successful claim for just a simple doctor visit? Maybe I'm just paranoid but insurance companies can make you that way!

St0ne

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  • Added on: December 13th, 2009
I've had to make a claim with them for a stolen camera and they were really good even though the police report didn't not match my claim becuase of dodgy thai police.

And another promo code, this one for 7% off, will only work outside of north america though.
VOYGNR

Jeanie99

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  • Added on: May 9th, 2010
We used WN on our 12 month RTW trip and they paid out while we were travelling when I had dental treatment. There is an age limit though.
Jean

Wild Jasmyne

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  • Added on: June 22nd, 2010
I too have had issues with WN in the past that I regret to say. First of all I contracted a very serious case of Malaria while in Kenya/Ethiopia and it did not appear until just after I got back from my trip. Because I went to a doctor in the US (I clicked coverage for international when buying the insurance), they did not cover ANY costs whatsoever even though it was clear that I did not get Malaria in Denver.

Secondly on the same trip I too had a backpack full of stuff stolen but it was by knifepoint in Addis Ababa. I went to the police who refused to help me for whatever reason, language, something like that. I did not, oops, go to the US Embassy to report the theft and I left just a couple days later. I lost my big iPod and an expensive digital camera which under the Nomads policy they should have paid for. I provided serial numbers for the items, receipts from Best Buy and a letter from the owner of my hotel explaining the incident and that he personally escorted me to the police station despite the fact they did not help me. WN refused to pay because I did not have an official police report.

Finally I too went to China last year. I came down with a bad GI infection from some funky food I ate. I went to a hospital in Urumchi where they gave me a handwritten receipt. It was only about $140 US for the whole process and I paid out of pocket and immediatley mailed the receipt and claim to WN. They informed me maybe 2 months later that it was denied because the receipt was "illegible." Yeah.. it's in Chinese, duh. That was really annoying.

When travelling in developing countries, I recommend buying a much more airtight policy, something that will cover sickness in and after the travel and that has a really good evacuation policy. Also be sure to read the fine print regarding reimbursment of things lost, there is a lot of things you have to do, for instance getting serial numbers and keeping receipts plus the police report.

I don't recommend WN and stopped using them for travel. I have taken out a AAA policy that seems to be much better coverage and will cover problems after returning from your trip.
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Paul79UF

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  • Added on: September 22nd, 2010
I'm glad to hear about your story.

We paid about $600 for travel insurance for our trip to New Zealand.

We didn't have to use it, but it's nice to know that I can get it again for future trips and feel confident that we're covered.


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