World Nomads Insurance review – How does it work?

Before we go into detail about this review of World Nomads Insurance, I would like to point out that I used it for a trip to South East Asia.

In September 2022, get World Nomads insurance for $120/month.
Click here: Activate Promo Offer

world nomads insurance review

There are many options on the market, and it can seem complicated to find travel insurance that really fits your profile.

Let’s face it, this topic is exhaustive and even boring. But it remains fundamental.

What is World Nomads?

World Nomads is an Australian-based travel insurance company. It was founded in 2002 by Simon Monk with a group of passionate travellers.

Their concept: to offer travel insurance made by travellers for travellers that considers their real needs. Today, they are present in nearly 150 countries.

World Nomads offers medical and repatriation cover, as well as 24-hour emergency assistance. But also full cover for sports and adventure activities.

Before subscribing to World Nomads, I had spoken to friends who were already using it. And I was convinced by their opinions.

Today, after having taken out this travel insurance, I can say that World Nomads is a good insurance for backpackers and nomadic travellers.

Pros and cons of World Nomads

We like

  • The rates for the Standard and Explorer plans are among the most competitive in the travel insurance market.
  • The cover allows you to be insured for many extreme sports and adventure activities (see details below).
  • World Nomad allows you to extend your subscription online when you travel.

We like less

  • World Nomads does not cover people over the age of 70.
  • The Explorer Plan only covers up to $3000. This may not be enough if you are travelling with equipment such as a laptop, GoPro, drone, etc.

World Nomads insurance rates

I wish I could give you a fixed price, but it is almost impossible. In my case, we paid a different price for the same trip!

So, you might ask, “But why?” Well, Renato being Brazilian and I being French, we pay a slightly different price.

For each trip or nationality, the prices are different. In fact, the price also depends on the length of your trip, or the activities you plan to do.

But to give you an idea, we paid between €105 and €120 per month.

World Nomads’ promo code

In September 2022, get World Nomads insurance for $120/month.
Click here: Activate Promo Offer

  1. You are redirected to the World Nomads official website.
  2. Then click on “Sign me up”.
  3. Fill in the form and follow the instructions by clicking on “Next”.
  4. That’s it! You will receive your travel insurance at the end of the registration process.

We all love coupons and promo codes. However, the bad news is that there are currently no discount codes for World Nomads travel insurance.

Despite my research and repeated requests, coupon codes are not part of their sales policy.

World Nomads Explorer or Standard Insurance

World Nomads’ insurance offers 2 types of plans with different levels of cover. We have done a simulation to compare the Standard plan with the World Nomads Explorer plan.

Example for :

A French citizen, 21 years, 30 days, South East Asia: Thailand, Vietnam, Cambodia


Standard plan

Explorer Plan

Medical and hospital expenses for travel abroad

100 000$

100 000$

Additional medical and hospital costs

500 000$

900 000$

Dental costs

10 000$

10 000$

Medical, hospital and dental expenses – Extension of sports coverage

600 000$

1 000 000$

Medical, hospital and dental expenses – Extension of cover for pregnant women

100 000$

100 000$

Pharmaceutical expenses per accident or illness

2 000$

2 000$

Physiotherapy due to accident or illness

2 000$

Travel cancellation

10 000$

20 000$

Trip interruption due to death, accident, or illness

8 000$

12 000$

Medical transfer

100 000$

100 000$

Sanitary return

100 000$

100 000$




As you can see, the difference in price between the two plans is minimal. Furthermore, to check all the possible options for your coverage,

If you are travelling with equipment up to €3000, the Explorer Plan is the most suitable.

This plan covers luggage and personal effects up to €3000. If you are travelling with a laptop, camera, drone, etc., this plan is worthwhile. It’s worth it!

Best alternative to World Nomads

Is World Nomads a good travel insurance? Yes, it is.

However, I wouldn’t say that World Nomads is the best travel insurance in the world for all types of travellers.

Obviously, there are many options. There are other cheaper travel insurances than World Nomads, such as the one offered by SafetyWing, but obviously the cover in the event of a claim is a little more limited.


SafetyWing is a good option if you travel frequently and are looking for comprehensive insurance for you and your equipment.

In September 2022, get SafetyWing nomad insurance for $42/month.
Click here: Activate Promo Offer

  1. You are redirected to the SafetyWing official website.
  2. Then click on “Sign me up”.
  3. Fill in the form and follow the instructions by clicking on “Next”.
  4. That’s it! You will receive your travel insurance shortly.

For the past year, we have been using SafetyWing to insure our work equipment: drones, cameras, laptops, etc. Because World Nomads’ plans only cover €2500 of equipment.

In fact, if you are travelling with more than €2,500 worth of equipment, you should take a serious look at the cover offered by SafetyWing.

Official website:

Is travel insurance useful?

As we all know, travelling for a long time means saving money whenever we can.

Find cheap flights, hotels, free activities to do… it doesn’t matter as long as it’s affordable! Travelling in backpacker mode is an unforgettable experience. The more borders you cross, the better.

However, there are certain things that should not be overlooked and there is a limit to saving money.

Because risking your health and safety is not allowed. The most important thing to preserve is your health and safety when travelling! In fact, every year, almost one in three travellers uses their travel insurance during their stay…

Why choose World Nomads insurance?

Many travellers we have met on our travels, and even nomadic travellers in our Planet Nomad community, use this travel insurance.

There are three main reasons:

1. Trusted insurers

World Nomads relies on a range of strong, secure and specialist travel insurers who provide good cover and 24 hour emergency assistance. They have given us the best reviews and, when problems have arisen, have helped us to resolve them.

2. Value for money with the coverage you need

Diving, skiing, surfing, motorcycling… World Nomads offers a variety of adventure activities to make the most of your trip. By focusing on what you need and putting aside what you don’t, World Nomads rates are competitive.

3. Safe and flexible travel

All members have access to safety alerts and online travel advice via the World Nomads Travel Safety Hub. If you decide to change your plan, you can extend your cover online even if you are already travelling.

Let’s say you like the coverage offered by one of the World Nomads plans and the price. How can you sign up?

It is basic.

Firstly, when you have your personalized quote, simply complete the following fields:

  • your nationality
  • your age
  • the country or countries you will visit
  • the duration of your trip,
    choose your package (Standard or Explorer)
  • Enter your name and e-mail address, full address
    your date of birth and your telephone number

Please note! Your telephone numbers and e-mail are essential. They must be kept up to date. For payment, it is possible to pay with the following cards: Visa, Master Card and American Express.

Nova Fribourg in Brazil is a great place for rafting

What World Nomads travel insurance includes

Death and accident insurance

If the worst happens, your World Nomads plan pays a lump sum to your beneficiary. Policies also pay out if you lose a leg, hand, etc.

Nonmedical emergency evacuation

World Nomads provides transport cover for civil or political unrest in the country you are visiting. This also applies to natural disasters or if you are expelled from a country.

Cancellation, interruption, or delay of travel

Trip cancellation insurance reimburses you if your tour operator cancels your trip. Or if you have to cancel the trip because you or a family member becomes ill or dies.

Travel delay cover covers your expenses if your trip is delayed. Or when a flight is cancelled due to bad weather.

Emergency dental care

World Nomads covers emergency dental treatment for accidental injuries that occur while travelling.

This includes problems such as an unexpected infection, a broken tooth, etc. This does not include any optional dental treatment such as examinations or cleaning (or treatments that can wait until you return).

Lost and stolen items

This cover reimburses you for luggage and belongings lost or stolen during your trip.

Refer to the coverage details on the official World Nomads website.

Activities covered

World Nomads covers over 120 extreme sports and activities. However, not all activities are covered depending on the plan you choose.

See the activities covered

My experience with World Nomads insurance

When you subscribe to World Nomads, the system helps you select the right plan for your travel plans.

The questions asked must be answered truthfully.

For example, if you plan to go scuba diving, don’t pretend it’s just a cultural holiday. Because if something happens to you while diving, and you have to go to hospital, no insurance in the world will cover you.

If your plans change during your trip, you can always call them and update your plan.

I’ve only used World Nomads’ services once. So, I went online, got the call centre number and called the World Nomads hotline.

They took my symptoms into consideration and gave me an appointment to see a doctor at one of the best hospitals in the city. The system was efficient, and they found me an appointment immediately.

Michaël Louis
Michaël Louis
I am a digital nomad with a passion for new technologies and travel. We created Planet Nomad to help you on your way to geographical freedom: that of digital nomadism and online entrepreneurship. If you liked this article, please share it or leave your comment, I'll answer it.

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