World Nomads travel insurance is administered by Trip Mate and underwritten by Nationwide Mutual Insurance Company. Together, these companies have come together to provide Americans with comprehensive travel insurance that appeals to travelers with a sense of adventure.

world nomads travel insurance logo

The company is endorsed by several of the country’s leading travel authorities, including Lonely Planet and STA Travel.

World Nomads is a socially conscious company that promotes responsible and respectful travel and supports several charities in third-world countries through member donations and sponsorships.

In addition to travel insurance, World Nomads has created a complete information database for travelers that includes destination guides, travel films, podcasts, and travel stories.

The company also provides scholarships to further the education of young people who are embarking on a career in travel photography, film, or writing.

The “Ask a Nomad” section on World Nomads’ website works as a social media channel, so travelers connect with like-minded individuals who are interested in similar destinations and experiences.

How Does World Nomads Travel Insurance Work?

World Nomads was founded in 2002 and has since become a leader in the travel insurance industry. Its extensive list of coverage inclusions makes it a popular choice among young overseas travelers and backpackers.

Unlike many of its competitors, the company includes coverage for accidents that are the result of adventure and sports activities, and non-medical emergency evacuation coverage that takes care of the cost of transportation when travelers are required to evacuate after events such a natural disaster or terrorism.

World Nomads also provides all members with unlimited access to its One Call 24-Hour Customer Assistance line, which customers can access for medical, legal, and travel advice and assistance

World Nomads Travel Insurance Coverage & Plans

World Nomads offers two travel insurance plans to its members. Both options include comprehensive coverage that is ideal for travelers embarking on vacations both domestically and overseas.

The company tends to appeal to young, single travelers and backpackers by including adventure and sports activities coverage in both of its plans.

World Nomads trip insurance plans include the following coverage:

  • Comprehensive
  • Trip cancellation/interruption
  • Medical
  • Lost/stolen baggage
  • Accidental death and dismemberment

woman planning a trip with world nomad travel insurance

While coverage offered by World Nomads on both of its plan options is quite comprehensive, the number of options it offers to its members is limited.

Some of World Nomads’ biggest competitors offer far more plan options to consumers in order to allow travelers to choose the insurance plan that suits their needs best.

World Nomads tends to cater to a more specific type of traveler, and the company has done a good job of targeting its niche by offering extensive coverage inclusions that overseas travelers can appreciate, such as non-medical evacuation and adventure and sports medical coverage.

World Nomads Standard Plan

Ideal for travelers looking for an economical yet extensive insurance option, the Standard Plan provides members with a full range of coverage including:

  • Emergency medical
  • Emergency and non-emergency evacuation and medical transportation
  • Lost baggage
  • Trip interruption and cancellation
  • Trip delay
  • Accidental death and dismemberment

Members under this plan also receive access to the company’s One Call 24-Hour Assistance Service, which provides a wide range of services including medical assistance, legal assistance, travel services, prescription assistance, messaging services, and emergency cash transfer.

World Nomads Explorer Plan

The World Nomads Explorer Plan provides members with everything the Standard Plan includes along with the added benefit of rental car damage insurance.

Additionally, limits under this plan are higher and, in some cases, twice as high as what’s offered under the Standard Plan.

This is the best plan for those who are planning long overseas trips.

Covered ExcusesStandard PlanExplorer Plan
Tour Operator Cancellation
Injury/Illness/Death of TravelerYesYes
Injury/Illness/Death of Non-traveling Family MemberYesYes
Injury/Illness/Death of Business PartnerYesYes
Injury/Illness/Death of Host
Injury/Illness/Death of Host’s Family or Friends
Natural Disaster at DestinationYesYes
Tour Operator/Airline/Cruise Line Ceases OperationYesYes
Terrorism/Evacuation at DestinationYesYes
Home or Business DamagedYesYes
Jury Duty/Court AppearanceYesYes
Military DeploymentYesYes
Work RelatedYesYes
Victim of Crime Prior to TripYes
Car Accident Prior to TripYesYes
Theft of Passport Prior to TripYesYes
School RelatedYesYes
CFAR Coverage (Cancel for any reason)

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World Nomads Plan Limits

CoverageStandard Plan LimitsExplorer Plan Limits
Trip Cancellation$2,500 $10,000
Cancel for Any ReasonNoNo
Trip Interruption$25,000 $10,000
Interrupt for Any ReasonNoNo
Accident and Sickness Medical Expenses$100,000 $100,000
Emergency Evacuation, Medically Necessary Repatriation, and Repatriation of Remains$300,000 $500,000
Non-Medical Emergency Evacuation$25,000 $25,000
Accidental Death and Dismemberment (AD&D)$5,000 $10,000
Air Flight Only AD&DNoNo
Baggage and Personal Effects$1,000 $3,000
Baggage Delay$750$750
Change Fee CoverageNoNo
Travel Delay$500$1,500
Missed ConnectionNoNo
Itinerary ChangeNoNo
Reimbursement of Miles or Rewards PointsNoNo
Rental Car DamageNo$35,000

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While the travel insurance World Nomads offers to its members is fairly inclusive, it’s important to keep in mind that in most cases, pre-existing medical conditions aren’t covered under either plan.

How Much Does World Nomads Travel Insurance Cost?

When budgeting for travel insurance, it’s best to plan on spending between 4 to 8 percent of the total trip cost. Of course, it’s important to keep in mind that travel insurance premiums are calculated by taking many factors into account including the traveler’s age, family members on the policy, the destination, and dates traveling.

Each company has its own unique calculation that’s used to determine premiums, and therefore, quotes may vary when looking at several travel insurance providers.

In order to receive an exact quote on the rates offered by World Nomads travel insurance, it’s best to contact the company directly or use its online quote calculator using the specific details of your trip.

When compared against its competitors, World Nomads trip insurance appears to offer competitive rates for its plans. Of course, it’s important to consider more than just the cost.

Coverage and customer service are important elements to focus on as well. A well-rounded insurance company offers comprehensive coverage, efficient customer service, and affordable rates to provide its customers with the best possible value.

World Nomads Travel Insurance Reviews & Reputation

World Nomads travel insurance reviews across the web indicate that overall, current and former policyholders are satisfied with the coverage and service they’ve received from the company.

Positive reviews found on Trustpilot describe customer service provided by World Nomads agents as friendly and personable, and the claims process as simple with quick turnaround times.

Although World Nomads doesn’t hold BBB accreditation, the company closely monitors ratings and reviews it receives on Trustpilot, where it has a TrustScore of 5.1 out of 10, which is below many of its competitors’ scores.

Recent issues mentioned by customers include long wait times when calling into the company’s 24-hour service line and technical difficulties with the company’s mobile app and website portal.

World Nomads appears to respond to every review posted by its customers, whether positive or negative.

Customer Assistance Services

World Nomads is a leader when it comes to the digital experience it offers to its consumers.

The company has a secure online portal that allows members to file claims, manage policies, and access 24/7 customer support. Similar functionality is provided by the World Nomads mobile app, which is available for iOS and Android devices.

In addition to a fantastic digital experience, World Nomads members have access to the One Call Worldwide Travel Services network, which is a 24-hour customer service and emergency assistance hotline.

In the travel insurance industry, providing 24/7 access to customer support and emergency assistance is crucial, and it’s features like this that make World Nomads an industry leader.

When travelers require claims assistance and support, it’s often urgent and in a different time zone as the call center. That’s why it’s crucial that insurance providers offer 24-hour customer service to their policyholders.

World Nomads Travel Insurance Financial Stability

Looking for the right travel insurance provider means conducting thorough research about a company’s coverage, costs, customer service, and perhaps most importantly, financial stability. A company’s finances can provide consumers with insight into a company’s ability to follow through with its promises.

Customers who purchase insurance from a company without a strong financial profile run the risk of filing claims that aren’t paid out on time or even at all.

Independent rating agencies such as Standard and Poor’s, Moody’s, and A.M. Best provide consumers with detailed credit ratings for insurance providers and other businesses.

Nationwide Mutual Insurance Company, which provides underwriting services for World Nomads, has an A+ financial strength rating from both Moody’s and A.M. Best.

A rating of A+ indicates that the company’s financial performance is strong with a generally positive outlook. It also suggests to consumers that the company can pay out claims and refund cancellations whenever appropriate.

When compared with many other insurance providers, Worlds Nomads’ financial profile is stable.

World Nomads Travel Insurance Phone Number & Contact Information

  • Homepage URL:
  • Provider Phone: 1-844-207-1930
  • Headquarters Address: 520 3rd Street, Suite 201, Oakland, CA 94607
  • Year Founded: 2002

Additional Providers

There are several other travel insurance providers that deserve consideration as well which you can see in our Best Travel Insurance Companies article.

These companies didn’t make our list of top providers but we have created some more detailed reviews  that you can view below: