World Nomads Travel Insurance

World Nomads

Are you passionate about travel? Off to see the sights and experience the world? Travel smart and safe with a travel insurance policy for independent Australians from World Nomads. To help you get prepared for your trip, we’ve got all the details you need to know about your World Nomads travel insurance policy right here.

About World Nomads

Operating since 2002, World Nomads offers travel insurance policies to Australians living all over the world. They also offer other resources for travel, like language guides, travel blogs, tips for travellers and travel scholarships for photography, film and writing. Some policy details will depend on your place of residence, but if you’re buying a policy as an Australian resident, it will be underwritten by Lloyd’s and managed by Cerberus Special Risks.

Rates and fees verified as correct at 08 December, 2016. Other information correct at the time of writing.

World Nomads plans

When you take out a World Nomads travel insurance policy, you can choose from Standard or Explorer cover, for single travellers, duos/couples or families. You can also add extra cover for activities you might want to include in your trip - like adventure sports or volunteer work - or for valuable items. Check out the table below for a rundown of the policies available with World Nomads travel insurance:

  • Events

  • Limits shown apply

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health problems

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Standard Plan

    • Per person

    • $5,000,000

    • $5,000,000

    • 100

    • $3,500

    • Events
    • $2,000

    • $500,000

    • $1,500

    • $1,500

    • $1,500

    • $1,500

    • $1,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    • Optional

    More info
    • Explorer Plan

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $10,000

    • Unlimited

    • $1,500

    • $5,000

    • $12,500

    • $12,500

    • $1,500

    • $1,500

    • $1,500

    • $3,000

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    • Optional

    More info
  • Events

  • Limits shown apply

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health problems

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Standard Plan

    • Per group

    • $10,000,000

    • $10,000,000

    • 100

    • $7,000

    • Events
    • $4,000

    • $1,000,000

    • $3,000

    • $3,000

    • $3,000

    • $3,000

    • $1,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    • Optional

    More info
    • Explorer Plan

    • Per group

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $20,000

    • Unlimited

    • $3,000

    • $10,000

    • $25,000

    • $25,000

    • $3,000

    • $3,000

    • $3,000

    • $3,000

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    • Optional

    More info
= Covered = Not covered

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


Before you start...

World Nomads offers travel insurance to Aussies living all around the world. That means that when you buy your policy, you’ll have to put in your country of residence to get the correct PDS and see all the correct terms and conditions.
That makes it a little difficult for us to write up a comprehensive guide to World Nomads travel insurance policies! So here, we’re referring to a policy as if you had bought it while living in Australia, but keep in mind that if you’re living overseas when you buy your World Nomads travel insurance policy, there may be small differences in your cover.

Important things to know about World Nomads travel insurance policies

Who is eligible:

So you want to take out a World Nomads travel insurance policy? Great! These are the boxes you need to tick to be eligible:

Or

And

Age limits:

You need to be under 70 years old to buy a travel insurance policy from World Nomads. Aside from that, some pre-existing medical conditions, like asthma or diabetes, have age limits attached, so make sure you check your PDS if any of those are applicable to you.
Are you over the age limit? No problem. Check out Mozo’s guide to travel insurance for seniors to find a policy that will cover you.

When can you buy a Worldcare travel insurance policy:

You can buy your World Nomads travel insurance policy before you leave Australia, or you can both buy and extend your policy after you’ve already left. If you’re buying before you leave, your cover begins on your departure date, except under the cancellation benefit, which starts immediately.
If you’re buying your policy after you’ve already started to travel, there may be a period of 72 hours where you aren’t covered. Check your PDS for details or talk to a World Nomads representative, as it can be different depending on when you buy your policy.
If you choose to extend your policy, you can do so online, up until the date of return on your original certificate of insurance and you’ll have continual cover with no waiting period.

Pre-existing medical conditions:

World Nomads travel insurance policies will cover 23 pre-existing medical conditions automatically and at no extra charge, as long as you meet all the requirements attached to any particular condition and have not been hospitalised for it in the past 24 months. The bad news is that any other condition is not covered, and there’s no option to apply for cover.
Also, here’s a tricky little piece of fine print: if your treatment for an included medical condition is affected by an excluded condition then your payment for the included condition may be reduced. For example, asthma is automatically included under your cover. But if you have an asthma attack, and the treatment is affected by recent surgery you have had, then the claim you can make for the asthma attack may be limited.

Travelling while pregnant:

Pregnancy is covered as a pre-existing medical condition under your World Nomads travel insurance, as long as it is a single, uncomplicated, and natural pregnancy before the 26th week.
World Nomads doesn’t offer cover for childbirth, antenatal or newborn care, which is pretty standard for travel insurance policies.
You also won’t be covered for multiple pregnancies or if you’ve experienced complications, either in this pregnancy or any others.
Check out our dedicated guide on travelling pregnant for more information.

Travelling with dependents:

Great news! With World Nomads travel insurance, your dependent children can be covered under your travel insurance policy for free.
With either a single or family policy, you can travel with up to 8 dependents covered at no extra charge, but there are some criteria they will have to meet to be eligible as dependents. They will need to be:

Cooling off period:

As long as you haven’t started your trip or made any claims under your policy, you have a 14 day cooling off period, during which you can cancel your World Nomads travel insurance for a full refund.

Cover for adventure, work, study and volunteering with World Nomads

World Nomads understands that while you’re off on your worldwide adventure, you’ll want to try new things and have exciting experiences. That’s why, for many activities, like non-manual volunteer work, archery or elephant riding, you’re automatically covered under a World Nomad travel insurance policy. World Nomads will also cover you for taking part in amateur racing or competition (excluding motorsports) as long as you aren’t making a profit from it.
For other activities, such as ice fishing or kayaking, you may need to purchase extra cover and pay an extra premium. Some of these activities also include extra conditions, for example you may need to be with a licensed guide or have appropriate certification to take part.

You can check out your PDS for a full list of what’s covered or not, including a list of what sports and activities you’ll need to purchase extra cover for. One thing to keep in mind is that damage to sporting equipment while you use it won’t be covered, even with the additional cover.

How to make a claim with World Nomads travel insurance

If everything goes according to plan, you’ll never need to know how to make a claim on your World Nomads travel insurance. But in case anything unexpected does happen, it’s a good idea to know the process, so that your claim can be as stress free as possible. Here are some of the most important steps in making a claim on your World Nomads travel insurance.

World Nomads customer reviews

The Mozo community has rated World Nomads travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

World Nomads travel insurance

Overall 8.1*

Value for money

Trust

31 Reviews

* Overall rating based on reviews in the past 12 months.

Recent World Nomads travel insurance reviews Recent World Nomads travel insurance reviews

World Nomads

World Nomads travel insurance review

Overall rating   10 / 10

Great cover.

World Nomads are very competetive with price and have great cover.

Full review

World Nomads are very competetive with price and have great cover.

    Value for money   10 / 10

    Trust   10 / 10

Less

Luke (TAS), reviewed about 1 year ago

World Nomads

World Nomads travel insurance review

Overall rating   9 / 10

Easy access and are truly a world provider

I think they are a great provider. It was quick and easy to access while overseas. We had to update our cover while away and it literally took only a couple minutes in-between flights. It was secure and we had no dramas. I was sent notification...

Full review

I think they are a great provider. It was quick and easy to access while overseas. We had to update our cover while away and it literally took only a couple minutes in-between flights. It was secure and we had no dramas. I was sent notification straight away also of coverage. Big pro. No cons at this stage

    Value for money   10 / 10

    Trust   10 / 10

Less

Leslie (VIC), reviewed about 1 year ago

World Nomads

World Nomads travel insurance review

Overall rating   6 / 10

Convenient for travellers who are already overseas

This insurer was the only insurer who would allow us to purchase insurance whilst we were overseas. This made it convenient and ideal for Aussies who travel longer than one year. Other insurance companies will only insure you for up to a year....

Full review

This insurer was the only insurer who would allow us to purchase insurance whilst we were overseas. This made it convenient and ideal for Aussies who travel longer than one year. Other insurance companies will only insure you for up to a year. They also allowed us to pick our options based on the type of travel we were doing. This insurer was however, a little more expensive than we would like to pay usually.

    Value for money   6 / 10

    Trust   6 / 10

Less

Rebekah (QLD), reviewed about 1 year ago

World Nomads

World Nomads travel insurance review

Overall rating   10 / 10

Great coverage while travelling

They are affordable and efficient.

Full review

They are affordable and efficient.

    Value for money   10 / 10

    Trust   10 / 10

Less

Amanda (WA), reviewed about 1 year ago

World Nomads

World Nomads travel insurance review

Overall rating   8 / 10

My favorite travel insurer

I had to call them up and they responded fast. I was satisfied with their response. This insurer is very trustworthy and easy to contact in an emergency. They provide longer insurance periods. I highly recommend them.

Full review

I had to call them up and they responded fast. I was satisfied with their response. This insurer is very trustworthy and easy to contact in an emergency. They provide longer insurance periods. I highly recommend them.

    Value for money   8 / 10

    Trust   9 / 10

Less

Christy (QLD), reviewed over 1 year ago

Hide reviews

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Compare World Nomads policies with other Australian Insurers

So while you’re packing your hiking boots and surf board, make sure you pack the best possible travel insurance policy as well. To find it, you can use Mozo’s quick and easy travel insurance comparison tool, which will use your travel details - like destination, who’s travelling and how long you’re going - to give you a comparison of some of the best policies available on the Australian market.

We’ve got heaps of informative guides - on backpacker’s travel insurance, gap year travel insurance and cruise travel insurance - to help you choose the right policy for your needs. You can also check out our Best $20 I’ve ever spent series for some quick tips on how real travellers like you like to spend their hard earned all around the world. And there’s loads more where that came from, over at our travel hub, so be sure to drop in there as well!

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