World Nomads insurance for digital nomads
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Danijela Horvat
Freelance writer
Last update
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World Nomads insurance for digital nomads
Life as a digital nomad is exciting and full of unexpected surprises. When you start the journey, all you can think about is the new places you’ll get to explore and how liberating it’ll be to work remotely. However, it is also essential to think about insurance coverage for your travels.
As digital nomads, living abroad requires plenty of planning and organization. You never know when things could go wrong. You could have all your money stolen, or maybe your computer stops working halfway through an important job. Not to mention, traveling the world can be risky. What if you’re injured in a country where the hospital bills are incredibly high?
Having insurance is crucial to ensure that if you encounter one of these situations you can financially handle it. It is especially important to have insurance for digital nomads since your needs are very different from that of a tourist visiting a country for a short period of time. And many insurance companies know this! With the rising popularity of digital nomads, new insurance companies have risen to the occasion, including World Nomads.
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Who are World Nomads?
In many ways, World Nomads is more than just an insurance company. World Nomads is a community that offers insurance services, downloadable guides, scholarships, and many travel resources.
It is an Australian organization created by other travelers, so they understand every traveler’s needs. They cover over 130 countries offer 24-hour medical assistance and coverage for 200 activities. They offer resources, easy-to-access information about traveling, expert advice, and flexible travel insurance. Their mission is to help digital nomads get the most out of their adventures and provide support when things go wrong.
They have two plans: Explorer and Standard. Each of them has different coverage, accommodating everyone’s needs. These plans can be purchased for a trip duration up to a maximum of 180 days. Unfortunately, World Nomads does not offer yearly insurance packages. However, you can extend the coverage of your plan mid-trip. The cost of each insurance plan is entirely bespoke and will depend on the duration of your trip and what countries you’ll be visiting.
What’s covered in the World Nomads Standard Plan?
The Standard Plan offers a range of benefits, such as overseas medical, coverage of belongings, pre-trip cancellation, and some adventure activities. The Standard Plan has a lower coverage than the Explorer plan, but it includes more than 200 sports (including some adventure sports).
To see the cost of this insurance plan, the website requires you to input the details of your trip, your age, and your state of residence.
Here are all the benefits the Standard Plan covers:
Medical Coverage
The Standard Plan covers emergency accidents and sickness medical expenses for $100,000. This means you’ll have coverage for emergency treatments of an accident injury. However, emergency treatment must be medically necessary and performed during the trip.
It covers emergency dental treatment for $750. This includes unexpected infections, broken teeth, and even injuring your mouth or jaw during your trip. It also covers payment to a hospital for $500.
If you suffer an accidental injury or sickness during your trip that results in an emergency evacuation, the Standard Plan covers up to $300,000.
Non-Medical Emergency Evacuation
World Nomads covers non-medical transportation expenses for $25,000.
This includes transportation expenses due to civil or political unrest in the country you’re visiting. Additionally, you will be transported back home in case of an eligible natural disaster or if you’re expelled from a country.
Accidental Death and Dismemberment
The Standard Plan has coverage for the loss of life or the loss of a limb due to an accidental injury. It covers up to $5,000.
Additionally, this plan covers $300,000 in expenses to return your body home.
Lost and Stolen Goods
World Nomads’ Standard Plan reimburses you for lost, stolen, and damaged baggage and personal belongings. It covers up to $100,000. It also has a $500 per article limit and another $500 for a combined maximum benefit limit for jewelry, watches, silver, gold, or platinum items.
Trip Cancellation, Interruption, or Delay
This plan reimburses $2,500 for prepaid, non-refundable cancellation charges if you must cancel your trip due to sickness, accidental injury, or death of you or a family member, inclement weather, unforeseen natural disaster at home, or your destination, strike, or other covered reasons.
It also reimburses $2,500 for prepaid, non-refundable, unused expenses if you must interrupt your trip due to the same reasons above. It includes a per additional day maximum of $250.
Additionally, it has $500 of coverage for unused portions or pre-paid accommodation or additional expenses if your trip is delayed end route to or for more than 6 hours.
The Standard Plan also has unlimited 24-hour assistance services with multi-lingual professionals.
What’s covered in the World Nomads Explorer Plan?
In comparison to the Standard Plan, the Explorer Plan has more coverage in all the benefits listed above. It also adds on 60 other activities and sports, including more dangerous ones such as shark cage diving, skydiving, and paragliding.
Here are the details of the benefits the Explorer Plan includes:
Medical Coverage
The Explorer Plan covers emergency accidents and sickness medical expenses for $100,000. This means you’ll have coverage for emergency treatments of an accident injury. However, emergency treatment must be medically necessary and performed during the trip.
Emergency dental treatment covers $750 and $500 for payment to a hospital.
When it comes to emergency evacuation, in case you were to suffer an accidental injury or sickness that requires it, the Explorer Plan covers up to $500,000.
Non-Medical Emergency Evacuation
For non-medical emergency evacuation, the Explorer Plan covers $25,000 under the same conditions as the Standard Plan.
Accidental Death and Dismemberment
The Explorer Plan covers up to $10,000 for the loss of life or the loss of a limb due to an accidental injury. It also covers $500,000 in expenses to return your body home.
Lost and Stolen Goods
World Nomads’ Explorer Plan covers $3,000 for lost, stolen, or damaged baggage and personal belongings.
It has a $1,500 per article limit and $500 for a combined maximum benefit limit for jewelry, watches, silver, gold, or platinum items.
Trip Cancellation, Interruption, or Delay
This plan reimburses $10,000 for prepaid, non-refundable cancellation charges if you must cancel your trip for the same conditions as the Standard Plan.
If you must interrupt your trip, it reimburses $10,000 for prepaid, non-refundable, unused expenses.
It also has a coverage of $1,500 for unused portions or pre-paid accommodation, or additional expenses if your trip is delayed end route to or for more than 6 hours. It has a per additional day maximum of $250.
Just like the Standard Plan, the Explorer Plan also has unlimited 24-hour assistance services with multi-lingual professionals.
COVID-19 Coverage
World Nomads now offers coverage for some Coronavirus-related events. The pandemic has affected so many lives. Travelers were placed on standby for a long time. However, now that many countries are re-opening again, World Nomads wants to help keep travelers safe as they adventure out once again.
They’ve added new coverage details to each of their insurance plans. Starting on July 2021, all plans purchased include coverage for emergency medical and repatriation if you get sick with COVID-19 while traveling. This includes medical assistance, repatriation, and hospitalization benefits.
Additionally, the Explorer Plan covers COVID-19 related events such as cancellation, expenses due to trip interruptions, and some quarantine costs if you’re tested positive of COVID-19. However, you should note that World Nomads does not consider the fear of traveling due to Coronavirus a valid reason for cancellation.
This new coverage also includes additional benefits for healthcare workers, residential care workers, and law enforcement officers who had their pre-arranged leave canceled by their employer due to Coronavirus.
The insurance does not cover loss arising from government intervention. This includes travel bans, border closures, or broadly imposed quarantine requirements. It also does not cover if the government has issued a ‘Do Not Travel’ warning or its equivalent to your country of destination. To stay informed on the latest government advice, check out this website with all the information you need.
Check this website for more specific conditions based on your country of origin.
World Nomads urges everyone to be safe and take the necessary precautions. The travel insurance isn’t designed to cover everything, so you should make sure you’re planning your trip carefully and read the policy to understand all the terms and conditions.
What is NOT covered by World Nomads insurance for digital nomads?
Unfortunately, like any other insurance policy, there are some things World Nomads does not cover.
Here is a detailed list of everything that is not covered by the insurance plans World Nomads offers.
Pre-existing conditions. Any illness or condition you’ve had in the 90 days before the start of your policy will not be covered. Additionally, if you need to purchase medicines or get treatment for a pre-existing illness, that will not be covered.
Intentional acts such as self-harm, intoxication, or drug use are not covered.
Participating as an athlete in professional sports
War, insurrection
Participation in military exercises
Travel to pursue medical treatment
Lost or stolen cash
Carelessness in handling your possessions
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How much does World Nomads cost?
World Nomads’ policies vary in costs based on different factors. It is based on your age, the destinations of your trip, and where you’re from.
Fortunately, policies work out cheaper per month the longer they are. Due to COVID-19, you can only buy policies for a maximum of 180 days. However, you can extend the coverage of your plan mid-trip.
As an example, a 30-year old American traveler is planning a one-month stay in Mexico. The Standard Plan would be $108.40 and the Explorer would be $183.01.
You can get a quote based on your specific details to get an accurate price.
For more information, check out their website here.
Should you choose World Nomads digital nomad insurance?
Overall, World Nomads has various benefits that appeal to many digital nomads. This insurance may work best for nomads planning on shorter trips since their policy is only available for under 180 days in a country. You can renew the policy during your trip, so this is also a good thing to have if your plan changes or you wish to upgrade from their Standard Plan to their Explorer Plan. But keep in mind you can not upgrade your plan in the middle of your policy so if you want to do so then you’ll have to wait until renewal time.
What makes World Nomads so great is that their prices are affordable compared to many other insurance companies. Their coverage is excellent and includes many details. They also have fast service, available 24/7. Plus, you can make any claims online while you’re on the road.
Apply for your World Nomads insurance plan here.
Want to see some other options before you decide? Check out Safety Wing and Insured Nomads!
