A Little Coverage… Review of Travel Insurance Options: IMG Patriot, World Nomads, & Others

how-to-choose-travel-insuranceThe initial plan for this post was to research all of the different travel insurance options out on the market for budget backpackers and round the world travelers. And I did all of the research. It took me ages. And I had planned to compare and contrast key travel insurance companies. Which I do below. But my overall conclusion is that World Nomads is a fantastic option for budget and RTW travel.

After sussing out all of the negative and positive reviews on other backpacking and travel sites, it’s pretty clear that the while every single insurance company has some negative reviews, there are many success stories for World Nomads and their support staff. That said, different trips call for different travel needs, so below I’ll break down why I picked World Nomads for my one-year RTW, but also why I have used IMG patriot in the past as well

UPDATE: This post was last updated in January 2017 to reflect experiences from recent travels. The short of it, World Nomads is still my go-to and I used it for my Africa trip in 2014 and am currently using it while backpacking Vietnam. ~Shannon

World Nomads’ Credibility?

When I first left on my RTW, I was unsure of any companies and had to look for outside verification from others to know what’s best.  World Nomads has a lot of credibility in the market:

  1. It’s the travel insurance recommended by Lonely Planet.
  2. They are actually a brand that secures the policy for you—that’s how they can insure people from 150 countries.
  3. I used it for five of the last six years of my RTW travels—only switching when traveling with my niece—and I know a lot of the travel writing community also uses World Nomads.
  4. Reviews.com lists it as a Top Four budget travel insurance option—and they’ve seen a lot of policies.

I also looked through this beginners guide to travel insurance and checked it against my options, settling on WN as a strong contender.World Nomads Insurance

Adventure Activities Covered

Before I left on my own RTW trip I made a list of all of the crazy and wild adventure activities that I wanted to participate in while traveling—then I used the site’s A-Z List of Adventure Activities to find out if they were covered in a World Nomads policy; each and every one was. While not all of yours may be covered, the complete list is comprehensive, online, and broken down by country. This is an important step! I really wanted to know that rock-climbing in Laos was covered just as fully as snorkeling the Great Barrier Reef. On my RTW trip, I was very active and adventurous, so I like how easy it is to verify on their check-list if an activity is covered.

Covering the Important Things (and smaller things too)

A World Nomads policy provides levels of coverage for five key areas: overseas medical care, medical evacuation (Medevac), baggage claims, theft on some belongings and electronics (read the policy details!), trip cancellation coverage, and more. The company also has a Travel Safety Alerts subscription service.

Making Insurance Claims Online

A huge selling point for me was the fact that all of the process can be done online; the internet is ubiquitous and I loved knowing that all of the information I needed was laid out for me on the World Nomads site. And since I thoroughly read through my policy before I bought it, I sent the support team an email asking for clarification (those policies can get confusing!); they emailed me back within a day with a detailed answer. In addition to buying a policy online, you can extend your insurance policy indefinitely or even buy one when you’re already traveling. This is becoming a feature across many travel insurances, but WN has one of the slickest interfaces.

(Here’s a post I wrote when I first made the choice to go with World Nomads for my travel insurance—all the reasons still hold true today.)

You can check for a free WN quote right here and see their affordable rates:

Cautions, Warnings, and Read Your Policy

All insurance companies have terrible reviews online. There are some circumstances where the traveler just didn’t fit within the policy wording and they weren’t covered. That’s so tough. It is very, very important that you read the requirements for making a claim if something goes wrong on your trip. Keep these things in mind:

  • Document all your valuables. If you want to make a claim, you’ll need to prove you bought it (receipts) and that it was there with you (take a photo of all valuables before you leave, and that it was stolen (a police report). Each step here is so, so important. Many negative reviews I read online are people who didn’t have a copy of the police report, or couldn’t generate ownership proof. Read your policy and understand exactly what they require to make a claim.
  • Document your illness. Call your insurance company as soon as you are ill, they will help you find the best providers in the region. Also, keep your paperwork! There will be a lot of back and fourths as you make the claim and the more information you have the better.
  • Follow the law. One sticky situation for backpackers is the rampant use of motorbikes in Asia. I have read that if you are not licensed to drive the vehicle in your own country, that you are not covered in an accident. This is a huge loop-hole. And it sucks. But double check things like this before you assume that if you’re in an accident on a windy Thai road that you’ll be covered if something serious happens.
  • Read your policy. Seriously. It’s dry and boring. It will take at least an hour. But read it, highlight areas you didn’t know and really understand what they are covering and what they are not. And if you’re unsure, email or call them! They do always answer questions before, during, and after you’re their client.
  • Read this information on common things not covered. From pre-existing conditions to extreme sports, there are a few things you’re just not getting in a general travel policy.

Want other options?

What is the Best Travel Insurance? Why, How to Pick, and Personal AdviceIn October 2011, I left the U.S. with my 11-year old niece and we traveled together throughout Asia. Traveling with her left me with a unique challenge for travel insurance. I wanted a lot of protections if something happened to me and she needed to a new guardian flown overseas, so I went to the researching drawing board. I settled on a family plan at IMG Patriot that had great rates, coverage that worked for both of us, and I generally liked their online system. With my niece in tow, I knew I wouldn’t be doing some of the more adventurous activities, so I didn’t mind switching to IMG. However, now that I am back to solo travels, I am back with World Nomads. If you are in the UK or Europe, my friends wrote a good insurance guide here that has other options solely for Brits and Europeans.

Other thoughts for researching companies:

  • Don’t buy “travel protection,” this term is a sneaky way for unlicensed companies to offer travel insurance — it’s likely not valid, so move along.
  • Only buy from your travel agent if he/she is low-pressure and offers you several choices. If it’s a high-pressure situation they are likely receiving hefty commissions to sell you what could be an inferior product.
  • Take your time, research, read the policies and ask every question you want answered before you buy.
  • Ask if the insurance is primary or secondary insurance. And verify if the insurance requires that you hold primary. Primary usually refers to medical and homeowners insurance and some travel policies only allow you to purchase secondary insurance if you have a primary policy. For those who don’t carry health insurance, this would present a problem. Secondary means that you must file an insurance claim with your primary policy first. But some travel insurance policies will allow you to purchase them without having a primary policy in place.
  • And if you’re still in need of a bit more analysis on what you might need, I give an overview on the long-term travel resources planning page.

With my nephews traveling in 2015, we had only a short, three-week trip. We had considered other options, but the coverage just wasn’t as good. Paying attention to the coverage of adventure activities is important. Many policies I considered had poor coverage on scuba diving (which I do), or even snorkeling. In the end, for our family trip we went with IMG again. As of January 2017, I am solo again and using World Nomads for their coverage and convenience.

Check their plans and prices and see if it’s a good fit for your travel situation.

While all of the information in this post is correct to my knowledge, I encourage you to do your own research and verify all aspects of your travel insurance; I cannot be held responsible for your use of any of the information provided here.

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26 Responses to A Little Coverage… Review of Travel Insurance Options: IMG Patriot, World Nomads, & Others

  1. Shannon O'Donnell January 27, 2017 at 11:58 pm #

    No, they do not pay me to review it. If you buy a policy I make a commission, which I started years after I first posted this review (the first version of this review was in 2008). I have paid for my own policies and used World Nomads for eight years (they are covering me right now while I am in Vietnam for the past three months, and I pay for it). My review policy is linked in the footer of the site; I only review and recommend products I personally use and believe in. Likewise, I have used IMG when traveling with minors under my care and I recommend them for families (and I make no money if you buy IMG, I just think they have better family policies than WN if something catastrophic happens). Good luck finding the right policy for your trip and situation!

  2. Shannon O'Donnell October 19, 2016 at 2:24 pm #

    Well, I’ve updated this many times over the years as noted in the review, as recently as August and I still use them (currently am insured through them), why do you say that? Open to hearing why you say that. Their coverage levels are similar to others, they clearly spell out activities covered, and their prices are around the same as others at that coverage level. Thoughts to back up your claim?

  3. TJ August 7, 2016 at 4:33 pm #

    One of your tips is to buy primary policies. Doesn’t World Nomads only sell secondary insurance policies? I believe Travel Guard gives you the option to choose primary or secondary. I didn’t see that choice for WN.

    • Shannon O'Donnell August 7, 2016 at 9:32 pm #

      Good point although WN doesn’t require that you have primary insurance, just that you claim the primary first if you do. You can use them without a primary coverage from my understanding. Which could be wrong, but I did verify that back in the day when I started traveling in 2008 and before I had ObamaCare stateside. I’ve heard from expats that Aetna also carries a policy that works as a primary for travelers who want to also meet the terms of the Affordable Care Act, and then there may be state-by-state policies that cover travel too, but it’s highly varied by state and my state, Florida, does not have a travel one on the healthcare exchange. I carry both travel insurance and ObamaCare now. Good luck!

  4. Anna January 22, 2016 at 8:47 am #

    I”m wondering about some of the wording in the policy. It asks for “your country of permanent residence”. Basically, I don’t have a country of permanent residence. I am Canadian, but gave up my residence, and I currently live in South Korea as a temporary resident. Anyone have any insight into this, or who is in a similar situation? Cheers!

    • Shannon O'Donnell January 22, 2016 at 10:01 am #

      That does sound pretty tricky Anna. I would check with the policy and see what they prefer you to list. Many travel friends stick with listing the place of their nationality and they use parents’ or friends’ addresses to meet that qualification. I have a Canadian travel friend who is in a similar situation but uses her parents house in a pinch, though she is not technically a resident for years now. Check with the policy though, as you would not want to be caught in a loophole and stuck with a big bill!

  5. Trip30 December 14, 2015 at 12:22 pm #

    I’m a diver, as well, so always have DAN coverage. I’m looking for a plan that covers non-dive medical to augment my DAN coverage and for when we’re on non-dive trips, so am considering World Nomads or Patriot. Do you have DAN coverage in addition to your World Nomads (Explorer plan, I assume) policy?

    • Shannon O'Donnell December 14, 2015 at 12:30 pm #

      Good question! I haven’t been diving in a few years, so I don’t maintain dive coverage, but I did have DAN coverage my first year traveling when I was diving often. Now though, I just use the explorer plan/adventure sport coverage if I am heading somewhere and I think I might dive.

  6. adventurerob December 6, 2009 at 6:01 pm #

    Nicely written Shannon, I've been meaning to do a similar post as I too am with World Nomads and haven't a complaint so far. Although I've not made a claim myself I met someone who has and they said it went through fine, and they paid up promptly, that's all you need to know when it comes to insurance companies at the end of the day.

    • ShannonOD December 7, 2009 at 2:35 pm #

      Precisely! And there are those few odd negative reviews out there from people, but I really did find that WN had great feedback from other RTW travelers and backpackers :-)

  7. adventurerob December 6, 2009 at 11:01 am #

    Nicely written Shannon, I've been meaning to do a similar post as I too am with World Nomads and haven't a complaint so far. Although I've not made a claim myself I met someone who has and they said it went through fine, and they paid up promptly, that's all you need to know when it comes to insurance companies at the end of the day.

  8. ShannonOD December 5, 2009 at 10:54 am #

    Hey Brian, based on what I've read and what I understand, it depends on the level of the emergency. If you are in and out for something small, then you pay and submit for reimbursement. But, in the case of a medical emergency, they ask that you contact them immediately, or have the hospital do it, and they will pay – same for med evac, they will arrange if it is necessary. No specific places to go, but once they are talking with your hospital, they will help determine the next actions (transfer to a diff hospital, etc). I'm pretty sure that's how it goes down! :-)

    • ShannonOD December 7, 2009 at 7:35 am #

      Precisely! And there are those few odd negative reviews out there from people, but I really did find that WN had great feedback from other RTW travelers and backpackers :-)

  9. ShannonOD December 5, 2009 at 10:05 am #

    So true, thanks for that tip Mark, I rarely go through agents, but a few people have told me that some agents can be really high pressure as they try to make a commission.

  10. CandiceW December 3, 2009 at 3:21 pm #

    This is killer advice, thanks Shannon. I know nothing about insurance and the whole process is daunting. Will definitely keep this in mind for the future.

  11. ShannonOD December 3, 2009 at 6:56 am #

    Ooo – that's such a great tip – I'm going to add it to the article actually (w/attrib ;-) Thanks! I was pretty lucky to not have to make any claims w/them yet so it's nice to hear from other travelers that their claims have been paid out, and timely too. :-)

  12. Mark H December 3, 2009 at 4:47 am #

    World Nomads do seem to be the popular choice among travellers. I've used them and they seemed fine though I've never had to make a claim. My understanding is that insurance is at times an agent's biggest earner so you do need to check prices to make sure you are getting a fair deal.

    • ShannonOD December 5, 2009 at 5:05 pm #

      So true, thanks for that tip Mark, I rarely go through agents, but a few people have told me that some agents can be really high pressure as they try to make a commission.

  13. Brian December 3, 2009 at 4:37 am #

    Thanks for the comprehensive review Shannon. World Nomads is the one most people seem to recommend when traveling. Good questions to ask and ideas to think about when picking a company.

    Do you know if you have to pay and then they reimburse or can they pay the medical clinic/hospital directly? Do they have a list of places you can go for medical treatment, or is it wide open?

    • ShannonOD December 5, 2009 at 5:54 pm #

      Hey Brian, based on what I've read and what I understand, it depends on the level of the emergency. If you are in and out for something small, then you pay and submit for reimbursement. But, in the case of a medical emergency, they ask that you contact them immediately, or have the hospital do it, and they will pay – same for med evac, they will arrange if it is necessary. No specific places to go, but once they are talking with your hospital, they will help determine the next actions (transfer to a diff hospital, etc). I'm pretty sure that's how it goes down! :-)

  14. Audrey December 3, 2009 at 2:47 am #

    We've been using World Nomads insurance for the three years of our rtw journey…and I just renewed it again. While we have fortunately not had to make much use of this insurance, the two claims we did file were quickly addressed and money arrived in my bank account within a week of a decision.

    One piece of advice if you can't get a police report for stolen equipment – you can get a statement from your hotel, tour company or someone in authority instead.

    • ShannonOD December 3, 2009 at 1:56 pm #

      Ooo – that's such a great tip – I'm going to add it to the article actually (w/attrib ;-) Thanks! I was pretty lucky to not have to make any claims w/them yet so it's nice to hear from other travelers that their claims have been paid out, and timely too. :-)

  15. Mark H December 2, 2009 at 9:47 pm #

    World Nomads do seem to be the popular choice among travellers. I've used them and they seemed fine though I've never had to make a claim. My understanding is that insurance is at times an agent's biggest earner so you do need to check prices to make sure you are getting a fair deal.

  16. Audrey December 2, 2009 at 7:47 pm #

    We've been using World Nomads insurance for the three years of our rtw journey…and I just renewed it again. While we have fortunately not had to make much use of this insurance, the two claims we did file were quickly addressed and money arrived in my bank account within a week of a decision.

    One piece of advice if you can't get a police report for stolen equipment – you can get a statement from your hotel, tour company or someone in authority instead.

    • nodebtworldtravel.com December 2, 2009 at 9:37 pm #

      Thanks for the comprehensive review Shannon. World Nomads is the one most people seem to recommend when traveling. Good questions to ask and ideas to think about when picking a company.

      Do you know if you have to pay and then they reimburse or can they pay the medical clinic/hospital directly? Do they have a list of places you can go for medical treatment, or is it wide open?