World Nomads Travel Insurance Review: Is it Worth The Cost?

• Standard: entry-level plan with 250+ covered activities.
• Explorer: higher limits and 300+ activities.
• Epic: highest limits with 340+ covered activities.

• Trip cancellation: Reimburses nonrefundable prepaid travel expenses if the trip is canceled for a covered reason, such as an illness. 
• Trip interruption: Reimburses unused nonrefundable reservations and additional transportation expenses (to rejoin the trip or return home) if a trip is cut short due to a covered reason.
• Trip delay: Covers meals, lodging and toiletries for delays of six hours or more.
• Emergency accident and sickness medical expense: Pays for eligible medical expenses, such as hospital stays, surgery, dental care and more. 
• Medical evacuation and repatriation: Covers transportation to a suitable medical facility or back home if care isn’t available locally. Also includes luggage transport if left behind during the evacuation.
• Repatriation of remains: Covers transportation of mortal remains if death occurs during the trip.
• Non-medical evacuation: Covers evacuation for political unrest, security threats or natural disasters, along with luggage transport if it is left behind.
• Baggage and personal effects: Reimburses for lost, damaged or stolen luggage.
• Baggage delay: Covers essentials like toiletries if bags are delayed in transit. 
• 24-hour accidental death and dismemberment: Pays a lump sum to a beneficiary if the traveler dies or loses a limb during the trip.

• Missed connection: Covers additional transportation costs and nonrefundable expenses if the traveler misses a connection due to a delay of at least three hours.
• Optional Cancel For Any Reason (CFAR is not available to New York residents): Reimburses a portion of nonrefundable trip costs if the trip is canceled for a reason not otherwise covered, provided the add-on is purchased within seven days of the initial trip payment and the cancellation occurs at least two days before departure.
• Rental car damage (not available to Washington residents): Covers repair cost for damaged or stolen rental cars. 
• Trip exchange (not available to Missouri, Montana, New York and Washington residents): Reimburses change fees and penalties for rebooking due to certain covered events. 
• Travel inconvenience (not available to Missouri, Montana, New York and Washington residents): Covers disruptions like cruise port changes or ski resort closures.
• Pet kennel (not available to Washington residents): Reimburses pet boarding fees if return is delayed by six hours or more.

• Pre-existing conditions: Not covered under the Standard Plan. Explorer and Epic plans include a waiver if the policy is purchased within seven days of the initial trip deposit and the traveler is medically fit to travel.
• Long trips: Coverage is limited to trips of 180 days.
• Age restrictions: Only available to travelers between the ages of 18 and 69.

Standard plan ($84)

Explorer plan ($140)

Epic plan ($257)

• Your nonrefundable trip costs are under $2,500.
• You don't need CFAR or rental car coverage.
• You want solid medical coverage and basic adventure sports protection and don’t have pre-existing conditions.

• Your nonrefundable trip costs are between $2,500 and $10,000.
• You want CFAR, car rental coverage, missed connection protection and more.
• You’ll be doing higher-risk activities.

• Your nonrefundable trip costs are between $10,000 and $15,000.
• You’re bringing expensive gear.
• You want coverage for the most extreme sports and the highest benefit limits.