World Nomads travel insurance

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.

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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.

Benefit Standard Plan Explorer 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

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

    • 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

  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

    • 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

  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

    • 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

  4. Default Gravatar
    PeterJuly 16, 2014

    What cover can I get as I am 65 yrs old

    • 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

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