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Travel insurance offers peace of mind during your vacation, safeguarding you against unexpected expenses and disruptions that may arise. It covers scenarios such as lost baggage, emergency evacuations, and other unforeseen circumstances – World Nomads Travel Insurance

This security is especially crucial when traveling to less safe areas or engaging in adventurous activities.

In this article, the World Nomads Travel Insurance is reviewed, assisting you in determining if their travel insurance plans align with your vacation needs. These reviews can be invaluable in ensuring your travel experiences are worry-free and well-protected.

About World Nomads Travel Insurance

When seeking suitable travel insurance plans, it’s essential to find coverage that aligns with your planned activities. World Nomads, having been in the travel insurance business since 2002, offers policies underwritten by AIG Insurance Company in Canada.

Their plans are tailored to cater to comprehensive travel insurance needs, particularly for explorers and adventure enthusiasts. This focus on coverage suitable for various activities makes World Nomads an option worth considering for those seeking travel insurance.

Pros

1. Activity Coverage: World Nomads covers activities like scuba diving, rock climbing, and skydiving that many other insurers might exclude.
2. Emergency Medical Evacuation: Both plans provide up to $500,000 in coverage for emergency medical evacuation.
3. 24/7 Travel Assistance: A 24/7 travel assistance hotline ensures support is available around the clock.
4. Sporting Equipment Coverage: Coverage for theft or loss of sporting equipment is included in both plans.
5. Group Discount: Groups consisting of five or more individuals receive a 10% discount on their coverage.

Cons

1. Budget Plan Coverage Limits: Budget plans may have lower maximums and daily coverage limits for delays and cancellations.
2. No “Cancel for Any Reason” Option: “Cancel for any reason” coverage is not available with their plans.
3. Age Limit: Coverage may not be available starting from age 66.
4. Trip Cancellation/Interruption Maximums: Trip cancellation/interruption maximums might be lower compared to other plans.
5. Exclusions on Risky Activities: Some high-risk activities, such as high-altitude expeditions, might not be covered.

What does nomad travel insurance cover?

World Nomads offers two insurance plans, Standard and Explorer, which can be customized to suit your specific vacation activities. Both plans provide coverage for medical expenses, emergency assistance, and personal effects. Here’s an overview of the coverage options they offer:

1. Travel Medical Insurance: Covers emergency medical expenses if you become ill or injured during your trip. This includes doctor visits, hospital bills, medications, and lab work, up to the limits in your plan.
2. Travel Delay Insurance: Reimburses for additional costs incurred due to trip delays caused by covered reasons, such as overnight accommodation expenses during delays.
3. Trip Cancellation Insurance: Reimburses you for 100% of prepaid, non-refundable costs if you need to cancel your trip for reasons specified in your policy.
4. Emergency Medical Evacuation: Covers the cost of medical evacuation (medevac) to the nearest medical facility capable of treating your condition, if you’re injured or ill during your trip. The emergency assistance team can facilitate transportation.
5. Baggage and Personal Effects: Provides compensation for lost, stolen, or delayed luggage, including the depreciated value of your items. It also extends to personal belongings, if lost, damaged, or stolen, subject to policy exclusions.
6. Travel Interruption Insurance: Covers last-minute flights home during emergencies and compensates for lost expenses due to cutting a trip short, such as non-refundable activities and hotel stays.

World Nomads Travel Insurance Plans

World Nomads offers two plans, with the second plan featuring enhanced limits and additional adventure sports coverage.

Standard Plan:

• Price: $86
• Suitable for those comfortable with trip cancellation/interruption coverage up to $2,500
• Excludes rental car damage protection
• Coverage limits deemed sufficient for the traveler’s needs
• Adventure sports coverage extends to activities like windsurfing and bungee jumping, which are often not covered by other travel insurance companies
• A complete list of sports covered by plan type is available on the World Nomads website

The Standard Plan provides a solid option for individuals who require specific coverage limits, do not need certain features, and value coverage for adventure sports that might not be offered by many other insurers.

Explorer Plan:

• Price: $155
• Includes all advantages of the Standard Arrangement
• Higher coverage limits contrasted with the Standard Arrangement
• Offers rental car damage insurance (available in certain states)
• Comprehensive adventure sports coverage, including activities like skydiving and heli-skiing
• Ideal for trips with costs below $10,000, which is the maximum protection for trip cancellation and interruption

The Explorer Plan builds upon the features of the Standard Plan by providing higher coverage limits, rental car damage insurance, and comprehensive adventure sports coverage. This option is particularly suitable for travelers seeking a more extensive level of coverage and those with trip costs within the specified limit.

How Much Does It Cost?

The cost of your chosen World Nomads travel insurance plan is influenced by various factors, primarily the type of activities you’ll be engaging in during your trip. Additionally, factors like trip duration, destination, age, current health, and more will be considered when determining your insurance premium.

Due to these variables, it’s not possible to provide an exact price for your travel insurance. However, you can visit the World Nomads Travel Insurance website to gather more details and get a better understanding of how the cost of your insurance policy will be calculated.

Residents of numerous countries opt for World Nomads travel insurance due to its coverage of a variety of emergencies and the flexibility to choose a plan that aligns with individual needs. This level of customization and coverage options makes World Nomads a preferred choice for many travelers seeking comprehensive travel insurance.

Does World Nomads Offer 24/7 Travel Assistance?

World Nomads ensures round-the-clock support for its clients by providing 24/7 travel assistance with the purchase of any insurance plan. Delivered by Generali Global Assistance throughout the year, this service offers customers professional guidance and aid in case of emergencies during their travels.

For those in the U.S. and Canada, the toll-free number to reach this service is +1-877-289-0968. Additionally, there’s a worldwide collect number, +1-954-334-8143, available for global access.

If preferred, you can also get in touch with the service via email at ops@gga-usa.com. This comprehensive assistance underscores World Nomads’ commitment to supporting travelers throughout their journeys.