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World Nomads travel insurance

World Nomads offers simple and flexible travel insurance to suit a wide range of travellers. Learn more about the different policies on offer and see if one is right for you.

Zahra Campbell-Avenell
Zahra Campbell-Avenell

Updated

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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
    World Nomads is an Australian travel insurance provider that offers insurance cover designed by travellers, for travellers. It provides flexible cover to people from more than 150 countries, so let’s take a closer look at World Nomads policies to find out whether it’s the right insurer for you.

    As of April 2019, World Nomads travel insurance has rebranded as Nib Travel, and this page is being updated. Please visit www.worldnomads.com for more information, or compare alternative options available on Finder below. Thanks for your patience.

    Compare your travel insurance quotes

    warning 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.
    International travel insurance is limited and sometimes unavailable at this point.

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    What policies does World Nomads offer?

    World Nomads offers a choice of two travel insurance plans:

    Location

    Explorer Plan

    Backpack

    Standard Plan

    How do the policies compare?

    Check out the table below for a rundown of the benefits offered by each World Nomads travel insurance plan.

    BenefitStandard PlanExplorer Plan
    Overseas emergency medical expenses
    • $5 million
    • Unlimited
    Overseas emergency dental treatment
    • $500
    • $500
    Out-of-pocket expenses in hospital
    • No
    • $5,000
    Emergency medical transport and repatriation
    • $500,000
    • Unlimited
    Local funeral expenses or repatriation of remains
    • $15,000
    • $15,000
    Cancellation expenses
    • $3,500
    • Unlimited
    Trip interruption expenses
    • $2,500
    • $5,000
    Compassionate emergency visit
    • $1,500
    • $1,500
    Resumption of trip
    • $1,500
    • $1,500
    Kidnap or hijack (daily benefit)
    • No
    • $2,500
    Baggage and personal items
    • $2,000
    • $10,000
    Baggage delay
    • $300
    • $450
    Passports, travel documents and credit cards
    • $1,500
    • $1,500
    Specified high-value items (optional upgrade)
    • $6,000
    • $6,000
    Personal liability
    • $1 million
    • $2.5 million
    Rental vehicle insurance excess
    • No
    • $3,000
    Return of rental vehicle
    • No
    • $500
    Personal accident
    • No
    • $12,500
    Adventure, work, study and volunteer
    • Automatically included
    • Automatically included

    Table udpated September 2019

    What additional options are available?

    If you’d like to tailor cover to suit your needs, World Nomads offers the following extra-cost options:

    • Specified high-value items. If you’re taking high-value personal items with you on your trip, for example, your new laptop, you can upgrade your policy to provide $6,000 cover for those items. However, a $3,000 sub-limit applies per item.
    • Adventure, work, study and volunteer cover upgrade. You can also upgrade your policy to cover a wide range of high-risk adventure sports and activities, including abseiling, bobsledding, deep-sea fishing, parachuting, rock climbing, skiing and snowboarding. There are two upgrades available depending on the activities you want to participate in while travelling.

    Can I get covered for pre-existing conditions?

    WorldNomads.com provides cover for unforeseen medical events, so not all pre-existing medical conditions will be covered under your policy. The definition of pre-existing medical conditions includes a range of medical and dental conditions of which you are aware, which have been investigated and/or treated by a health professional, or any condition for which you have had surgery or for which you take prescribed medicine. As a result, many pre-existing conditions such as cancer, arthritis and depression are excluded from your policy.

    But some pre-existing conditions are automatically covered by WorldNomads.com, as long as you haven't been hospitalised (including day surgery) or attended an emergency department in the past 24 months for that condition. These conditions include;

    • Acne
    • Some allergies
    • Asthma in people under 60 years of age
    • Diabetes (terms and conditions apply)
    • Gastric reflux
    • Epilepsy and migraines

    Cover is also available for pregnant women, but terms and conditions do apply. Read the PDS and speak to an insurance adviser to determine how the policy applies to you.

    How do I make a claim?

    If you need to make a claim on your policy, you’ll need to provide written notice to Cerberus Special Risks, the company that manages World Nomads travel insurance. You can do this online by logging into the World Nomads website and submitting your claim, or by contacting World Nomads and requesting a claim form. Notice must be provided within 30 days of your return home to ensure that your claim is successfully processed.

    You will also need to supply documentation and evidence to support your claim, such as:

    • Medical receipts and medical reports from treating doctors
    • Receipts, valuations and proof of ownership for baggage items
    • Police reports
    • Original repair quotes
    • Evidence of additional costs incurred

    How much does World Nomads travel insurance cost?

    Your World Nomads travel insurance premium is influenced by a number of factors, including:

    • The plan you select
    • The number of people covered
    • Whether you add any extra-cost options
    • Where you are travelling
    • The length of your trip
    • Whether you have a discount code

    For a better idea of how much World Nomads travel insurance will cost you, get a quote and compare it to other brands.

    Who can get a policy?

    To be eligible for World Nomads travel insurance you must:

    • Be an Australian citizen or resident
    • Be 69 years or younger when you purchase cover

    While many people purchase insurance cover before they travel, World Nomads also allows you to buy cover if you are already overseas.

    How do get a policy?

    If you’d like to apply for World Nomads travel insurance, click on one of the “Get quote” links on this page. You’ll be taken to the World Nomads website where you can enter your travel dates and destinations, select your level of cover and obtain a quote. You will need to enter:

    • Your country of permanent residence
    • Where you are going
    • When you want cover to start
    • How long you want your policy to last
    • The type of cover you want (Standard or Explorer Plan, and Single, Couple/Duo or Family cover

    If you’re happy with the quote and you’ve compared options from a range of insurers, you can then purchase cover online.

    Other questions you may have


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    8 Responses

    1. Default Gravatar
      tonyJanuary 28, 2016

      so how do i apply for WorldNomads insurance?? This website isn’t clear

      Reply
      • Avatarfinder Customer Care
        RichardJanuary 28, 2016Staff

        Hi Tony,

        Thanks for question. World Nomads in not one of the insurance brands that is part of our panel. You will need to go to their site directly to apply for cover.

        All the best,
        Richard

        Reply
    2. Default Gravatar
      AmberJuly 12, 2015

      A family member has been suffering from cancer, when I booked my insurance the cancer was isolated and stable, now however it has spread and become terminal, and a emergency funeral visit may be on the cards in the near future.

      Will the travel costs of a return trip hope be covered under my basic policy?

      Thank you

      Reply
      • Avatarfinder Customer Care
        RichardJuly 13, 2015Staff

        Hi Amber,

        Thanks for your question and I’m sorry to hear about your situation. finder.com.au is a comparison service and not an insurer. Generally, your policy will not cover you if the cancellation is due to a preexisting condition. However, every provider is different, so it would be a good idea to contact your insurer directly.

        I hope this was helpful,
        Richard

        Reply
    3. Default Gravatar
      SarahJune 7, 2015

      Hi there,

      I am interested in getting world nomads travel insurance for a year long trip. I was wondering if it’s possible to purchase basic cover and then upgrade the adventure activity cover for just a short period. The reason I ask, is that most activities I will participate in are covered at level one, but it’s possible that I will participate in a level three activity at some point during the year for a week or so. I don’t really want to pay for level three cover for the whole year if I only need it for one week of that. So would it be possible to buy the additional adventure activity cover for just the period that I need it?

      Thanks,
      Sarah

      Reply
      • Avatarfinder Customer Care
        RichardJune 9, 2015Staff

        Hi Sarah,

        Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide personalised advice. Additionally, we do not currently have access to Nomad Travel Insurance products. You may wish to contact them directly for clarification in this matter.

        Thanks,
        Richard

        Reply
    4. Default Gravatar
      PeterJuly 16, 2014

      What cover can I get as I am 65 yrs old

      Reply
      • Avatarfinder Customer Care
        ShirleyJuly 16, 2014Staff

        Hi Peter,

        Thanks for your question.

        Unfortunately Nomad Travel Insurance doesn’t offer insurance to people aged 65 or over.

        If you’d like, you can compare alternative travel insurance options for over 65s on this page.

        Cheers,
        Shirley

        Reply
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