The 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 insurance companies. Which I do below. But my overall conclusion is that World Nomads travel insurance is fantastic for budget and round the world travel.
After sussing out the negative and positive insurance 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! Below I’ll review why I picked World Nomads for my one-year RTW, but also why I have used IMG patriot for some trips as well—I’ll explain which type of trip worked for each of the different insurance companies that I use. I’ve been on the road for over a decade, so there are circumstances (like expating somewhere for a while and traveling with children) where it made sense to use a different policy.
UPDATE: This post was last updated in Sept 2018 to reflect experiences from recent travels. The short of it, World Nomads is still my go-to and I used it for my Kyrgyzstan trip in early 2018 even though I also have an expat policy to cover me in my home-base of Barcelona, Spain. ~Shannon
Review: 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 as a top travel insurance for many types of trips. While I was a backpacker when I started (and it’s the top rated for that type of travel), it can work for a lot of types of trips. Here’s why I picked World Nomads after reviewing what it offered, and compared it to other options:
- It’s the travel insurance recommended by Lonely Planet.
- They are actually a brand that secures the policy for you—that’s how they can insure people from 150 countries.
- I used it for 90% of my nearly 10 years on the road. During that time, I switched to IMG when traveling with on four separate long-term trips with my nieces and nephews, when I needed a good family plan instead and less adventure coverage.
What is Covered by World Nomads Travel Insurance?
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. These are among the basic things every good plan will cover, and you should not sign up for one that skimps on those areas. But there are some areas where it really depends on your trip if you need a travel insurance that has detailed out a certain type of coverage, and other things where it just makes all the difference in the world for convenience. Let’s dive in.
Adventure Activities—Know What You’ll Do and What They Cover!
Before I left on my 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 your activities may be covered—there are some things general travel insurance will just not cover—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. When you’re researching policies, not all of companies offer adventure sports riders (and even basic outdoor travel activities may fall under that!), so be sure that you’re selecting one that covers everything you have planned. Note that IMG does not inherently cover adventure sports, but has an optional rider you can add to some policies—my family and I didn’t need the rider, however, because of the fairly low-key trips we had planned.
Making Insurance Claims Online
A huge selling point for World Nomads was the fact that all of the process can be done online and there are no caps on the length of time you can be insured. This is not the case with all policies, some max out at three months and have no online claims process. For long-term travelers, you simply have to be able to file your claims from the road.
The fact is, World Nomads is the best insurance for long-term travelers.
Others too, but hands down has made the made my life easier as a digital nomad living on the road for 10 years.
You need the convenience. 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. Although this is becoming a feature across some other travel insurances, WN has one of the slickest interfaces.
You can check for a free WN quote below to assess how much travel insurance might cost for your planned trip:
Cautions, Warnings, and Read Your Policy!
You can find terrible reviews online for all travel insurance companies. 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.
When reviewing travel insurance policies, keep these things in mind:
- Document all of 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—plus it states in your policy that you have to do that, so when buying a policy, you agree to allow them to help you choose a provider and be involved in the process. If you don’t they might not cover it. 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. If you are not licensed to drive the vehicle in your own country, then 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. (See note below for more information).
- 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.
- Understand what’s not covered. From pre-existing conditions to extreme sports, there are a few things you’re just not guaranteed in a general travel policy. But, every travel insurance company is different. The high-end Select plan from TravelEx covers pre-existing conditions, so if that’s a huge factor for you, then the significantly higher cost might be worth it. But if you’re a backpacker planning a one-year trip that will include adventure sports, then you should instead look for policies that are designed to meet that need. Understand the target market of your future insurance company to understand if they are providing the breadth of coverage generally needed by someone of your age, health, and style of travel.
What to Know: Travel Insurance & Riding a Motorbike
In addition to the small comment above about insurance coverage for licensed motorcycle drivers only, an ALA reader left this note in the comments, and it nicely explains why it’s so important to 1) know what you’re covered for 2) take steps to ensure you meet the requirements for insurance reimbursements (have receipts, police reports, etc):
From Matt of Great Distances: “For anyone who’s curious about motorbiking, the rule is this: If you’re going to pilot a motorbike in Asia (or really anywhere in the world), you need a motorcycle license in your home country as well as an international drivers license with motorcycle certification (this requires a prior motorcycle license, at least in the U.S.). Without these things, your travel insurance will NOT cover you whatsoever should you get in a wreck or injure yourself or others while on a motorbike. And people wreck and hurt themselves ALL the time, especially when they haven’t had proper safety training and find themselves wearing clothing that provides no projection from motorbike mishaps.”
Want other options? Consider IMG Travel Insurance.
In 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 do some of the more adventurous activities, so I didn’t mind switching to IMG. Also, some IMG plans include free coverage for kids—that makes a difference on a long-term trip! However, when I returned to my solo travels, I went back to 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. World Nomads will cover you on the road without requiring you to file first with your health insurance company back home. If you need to maintain U.S. coverage to meet the requirements of the ACA (ObamaCare), then you either must keep your policy back home and buy a travel policy, or you can look at some of the more expensive plans that offer primary care coverage in the U.S., and will meet the requirements of the ACA. I bought an expat plan for 2018 with IMG Global because I secured a European residency visa—I will need this expat travel coverage, but it won’t cover me in the U.S., so I need to either keep my U.S. health insurance, or buy a separate plan when I return home.
- If you’re backpacking and will be gone for a long time, World Nomads is a good option to thoroughly cover all of the possible adventure activities (expat policies like IMG Global aren’t meant for incredibly adventurous vacations).
- If you are volunteering abroad, this post outlines the specific aspects you should consider when buying volunteer travel insurance.
- I also carry separate gear insurance to protect my laptop, smartphone, and gear. I use Clements, and go into that a bit more on the long-term travel resources planning page. The policies last a year and they are very affordable—worth securing if you have a camera, smartphone, and laptop on your trip!
With my nephews traveling in 2015, and then while hiking the Camino in Spain in July 2017 with another niece, I bought IMG Patriot policies to cover our short-ish trips (one was three weeks and the other was six weeks). While I looked into other options once again, when I needed a family plan with some coverage of adventure activities (unfortunately not scuba), I went with IMG again. After dropping my niece stateside in summer 2017, however, I booked a World Nomads policy to cover me for some epic hiking through the Tian Shan mountains in Kyrgyzstan. After more than nine years of travel, I moved to Europe in early 2018, at which point my more tame expat policy is serving me in good stead, but I still use WN when I leave Europe for adventurous trips. :)
Check World Nomads plans and prices to 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. Some links may earn me a small commission at no additional cost to you. As always, I only review companies I actually use, and my opinion cannot be bought.
*Last updated on: