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Important:
Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
Travel insurance is important for anyone to have, but when you head off overseas on your own or with other like-minded nomads, there are lots of things that can go wrong when you venture away from the normal tourist routes.
This guide looks at World Nomads Travel Insurance; insurance designed with the independent world traveller in mind. It summarises the various levels of cover for overseas medical treatment, theft or damage to belongings, trip cancellation and personal liability, as well as World Nomads’ unique optional covers such as adventurous activities and protection for expensive photographic equipment.
World Nomads travel insurance discount codes and coupons
Oops! World Nomads travel insurance is not currently available via finder. You can visit their website for more information or check out other travel insurance deals available on finder.com.au below.
Popular Travel Insurance Deals - Coupons coupon codes
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How do I apply for cover with World Nomad's?
How do I apply for cover with World Nomad's?
Applying for World Nomads Travel Insurance is a straightforward procedure. After comparing the policies and levels of cover and deciding which best fits your needs, you can obtain a quote from the World Nomads website in just a few clicks. Follow these easy steps:
Step 1: Obtain a Quote
Simply enter the fields in the featured box on their home page, choosing:
The countries or regions you intend travelling to
Your country of permanent residence
The start date of your journey
The end date of your journey
The ages of those who are travelling with you and who want insurance (or only your age if travelling alone).
Once you've entered your details, click Get a Price
Step 2 – Enter discount code and choose your policy
1. Scroll down to the bottom of the page and enter your finder.com.au code.
2. Click Apply and the discount will be applied!
3. Scroll back up and choose between two policies:
Standard Plan
Explorer Plan
Benefits and drawbacks of each:
Standard: Great choice for affordability but the coverage is limited in comparison to the Explorer e.g. $3,500 in cancellation costs as opposed to unlimited cover in the Explorer policy.
Explorer: This is the policy you would select if you are after a premium level of cover with a comprehensive scope of benefits including sports equipment hire or bungee jumping.
Click the Select button below your chosen policy.
Step 3 - Add extras
Specify High Valued Items
For an additional charge, you can add your important possessions into the policy so that you are covered without any depreciation being applied.
Under "High Value Items" simply:
Click on the item type
Enter the name of the item (eg, 2013 Edition iPad)
Provide a value for item (eg, $200)
Click Add
Repeat these steps for any other high-value items
Add Cover for Adventure Activities
If you'll be doing any adventure activities, make sure you add them in because they may not be covered otherwise.
Under "Make sure you're covered for all your adventures"simply:
Click into the blank field for a drop down box of activities
Choose an activity that you'll be participating in
Click Add
Repeat steps for any other activities you plan to do
Step 4 – Personal details
Here's where you will enter your personal information:
Full name
Date of birth
Email
Mobile Number
Street Address
Suburb
Postcode
State/Territory
Agree to the terms and conditions
Make sure you read the product disclosure statement and then agree to the terms and conditions. Then click "Continue to payment".
Step 5 – Payment
On this page you will have a payment summary of the policy you have choses, any extras you have added and the total cost. Once you are happy with the quote, enter your payment details.
Enter your payment details
You'll need to enter the following pieces of info:
Name on the credit card
Card number
Expiry date
Security code
Once you're done filling this out, click Buy Now and you're all done!
What policies are available from World Nomads?
World Nomads Travel Insurance is flexible travel cover for independent world travellers. With a choice of Standard or Explorer Plans, it covers:
Emergency overseas medical & dental treatment – includes medical expenses for sudden illness or serious injury, emergency dental treatment, chiropractic, acupuncture and osteopathic treatments, clinical psychology following trauma and daily hospital expenses.
Medical evacuation and repatriation – transport to the nearest appropriate medical facility after sudden illness or injury.
Cancellation & trip interruption – cancellations due to sudden illness or serious injury, natural disasters, strikes or lost passports.
Cover for your belongings - theft or accidental damage of gear such as iPads, laptops and digital cameras up to individual item limits.
Personal liability – covers third party compensation and legal expenses.
World Nomad values world travel and adventure seeking, so all policies automatically include special benefits for "adventure, work, study and volunteer". These include certain adventure sports and work-abroad activities that other insurers might charge more for. You can also buy extra cover for a wide variety of adventure sports that aren't automatically provided with the policy. These activities include trekking, scuba diving, skiing, boarding, mountain biking and many more.
Who is World Nomads underwritten by?
World Nomads operates out of several countries including Australia, the UK, the United States and Canada. In Australia, World Nomads insurance is managed by Cerberus Special Risks (Cerberus) and underwritten by certain underwriters at Lloyd's.
Pros and Cons of World Nomads
World Nomads Travel Insurance has a lot to offer the world traveller. Some of their many advantages include:
Pros
The ability to buy or extend your cover even when you are already overseas
Cover for gear that many travel insurers won’t insure, from iPads and laptops to digital cameras and the option to increase benefit limits on these items
Lets you claim online while you are still travelling
Is available to travellers from most countries
Covers most adventure activities (unlike many other insurers)
Has exceptional worldwide 24/7 Emergency Assistance if something goes wrong.
Cons
Most pre-existing medical conditions aren’t covered.
How do I make a claim with World Nomads?
World Nomads has made claiming easy in an effort to ensure you get paid as quickly as possible. They have worded their policies clearly to avoid any confusion and their Help Desk is always there if you have questions or need help with your claim.
To claim online, even when you are overseas, simply go to the Claims page and enter your member login and password to begin the claims process. You can also call World Nomads in Australia on 1300 787 375 or from overseas on 61 2 82630400.
World Nomads F.A.Qs
No, there is no cover for costs arising from any mental illness, including dementia, depression, anxiety, stress, drug or alcohol addiction or eating disorders.
No, this policy does not cover third party liability while you are driving a vehicle. If you injure someone else, damage their property or damage your friend’s car, this will not be covered. You will need to seek this kind of cover from a car insurance company.
Yes, if you will be riding as a pillion passenger on the back of a motorcycle, we provide cover for this. The rider must be legally licensed to ride a motorcycle and to carry passengers in the country you’ll be travelling in. You’ll also need to be wearing a helmet and obeying the road rules.
The reason why your flights were changed will determine what the policy can cover. If it was due to severe weather, natural disaster, hijacking or strike, then you are covered. If it was due to a mechanical issue or something within the carrier’s control (e.g. overbooking or change of schedule), you will need to seek compensation directly from the carrier.
Providing the damage was not caused through intent, malice or gross negligence and the property is not owned by a close relative, co-worker or a member of your travelling party, then cover is provided if you are found liable for the damage.
If your baggage and personal items are lost, stolen or accidentally damaged during your trip, we’ll pay to the benefit limits in your chosen policy.
If you decide to cancel your World Nomads Travel Insurance, you have up to 14 days to do so from the time you are issued with your Certificate of Insurance and before you start your trip (this is your cooling off period). As long as you have not begun your journey and do not wish to exercise any other right under the policy (such as making a claim), then you will receive a full refund of any premiums you have paid.
Jessica Prasida is an associate publisher for Finder specialising in travel and home insurance. She loves travelling and is a wannabe dumplings master. Jess has a Bachelor of Business from the University of Technology Sydney and a Tier 1 General Insurance qualification. She is currently studying a Master of Marketing.
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