World Nomads vs. Insured Nomads nomad travel insurance heads-up

travel insurance comparison

Choosing the right travel insurance is crucial for digital nomads and long-term travelers. Two popular options are World Nomads and Insured Nomads. Both offer unique benefits and cater to different needs. This article will help you understand the differences and decide which one suits you best.

Key Takeaways

  • World Nomads is known for its extensive adventure sports coverage, making it ideal for thrill-seekers.
  • Insured Nomads offers telemedicine coverage and flexible cancellation options, appealing to those who value medical support and flexibility.
  • World Nomads has a strong community focus with projects and travel safety tips, adding value beyond insurance.
  • Insured Nomads has a global team of digital nomads, ensuring they understand the unique needs of travelers.
  • Pricing varies significantly between the two, with different plans catering to various budgets and coverage needs.
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Overview of World Nomads and Insured Nomads

Company Backgrounds

World Nomads was founded in 2002 by an Australian traveler. Since then, it has grown to cover people from over 130 countries. The company is known for its comprehensive coverage tailored towards adventurous travelers and backpackers. Their mission is to inspire, connect, and empower travelers, providing them with the freedom to explore the world with confidence.

Insured Nomads, on the other hand, offers a variety of insurance plans and is managed by a global team of digital nomads. They provide benefits like telemedicine coverage and flexible cancellation options, making them a popular choice among digital nomads.

Target Audience

World Nomads primarily targets adventurous travelers and backpackers who seek comprehensive coverage for their trips. They are especially popular among those who engage in various activities and need insurance that covers a wide range of scenarios.

Insured Nomads targets digital nomads and international travelers who need flexible and varied insurance plans. Their offerings are designed to cater to the unique needs of people who work and travel around the globe.

Key Differences

  • Coverage Scope: World Nomads offers extensive coverage for adventure activities, while Insured Nomads focuses on providing flexible plans with benefits like telemedicine.
  • Target Audience: World Nomads is geared towards adventurous travelers, whereas Insured Nomads caters to digital nomads and international travelers.
  • Plan Variety: Insured Nomads offers a wider variety of plans compared to World Nomads.
World Nomads were absolutely brilliant when we submitted our 2 separate claims, it was very easy and they paid both of the total amounts (less the $100 excess).

Coverage Options Comparison

travel insurance comparison

Medical Coverage

When it comes to medical coverage, both World Nomads and Insured Nomads offer comprehensive plans. World Nomads provides coverage for medical emergencies, hospitalizations, and even dental treatments. Insured Nomads, on the other hand, includes telemedicine services, which can be a lifesaver when you're in a remote area.

Trip Cancellation

Trip cancellation coverage is essential for any travel insurance. World Nomads covers trip cancellations due to unforeseen events like illness or natural disasters. Insured Nomads also offers similar coverage but with more flexibility, allowing you to cancel for any reason.

Adventure Sports Coverage

For the adventurous souls, World Nomads is a great choice. They offer extensive coverage for a wide range of adventure activities, from scuba diving to bungee jumping.

Insured Nomads also provides adventure sports coverage, but it may not be as extensive as what World Nomads offers.

Choosing the right travel insurance depends on your specific needs and the type of activities you plan to engage in during your travels.
Coverage Type World Nomads Insured Nomads
Medical Coverage Emergency, Hospitalization, Dental Emergency, Telemedicine
Trip Cancellation Illness, Natural Disasters Cancel for Any Reason
Adventure Sports Extensive Limited

In summary, both World Nomads and Insured Nomads offer solid coverage options, but the best choice will depend on your individual travel plans and needs.

Pricing and Plans

Basic Plans

World Nomads offers basic plans starting at $45 USD per 4 weeks.

These plans cover essential medical needs, emergency evacuation, and travel delays.

Insured Nomads, on the other hand, has basic plans starting at $120 USD per 4 weeks, which also include trip cancellation and lost or stolen gear coverage.

Standard Plans

For those looking for more comprehensive coverage, World Nomads' standard plans provide additional benefits such as coverage for lost checked luggage and some dental care. Insured Nomads' standard plans, while more expensive, offer extensive coverage including dental, vision, and even mental health services.

Premium Plans

Premium plans from both providers are designed for travelers who need the best protection. World Nomads' premium plans include high-risk sports and activities, making them ideal for adventure seekers. Insured Nomads' premium plans, although pricier, offer up to $2,000,000 in plan coverage and include telemedicine services.

Note: Plan prices vary based on your location and travel destinations. Always get a quote to find the best option for your needs.

World Nomads Coverage

Please note — if you purchase insurance, your plan details may differ. This summary is indicative of prior World Nomads coverage, but should not be used for any actual decisions without first consulting the details of your particular plan.

World Nomads Schedule of Benefits and Limits
  • Trip Protection
    • Explorer Plan: USD $10,000
    • Standard Plan: USD $5,000
World Nomads Emergency Overseas Medical Insurance
  • Explorer Plan: Unlimited, up to 12 months
  • Standard Plan: USD $5,000,000
World Nomads Emergency Medical Transportation
  • Both Explorer and Standard Plans: USD $500,000
World Nomads Evacuation and Repatriation
  • Coverage for necessary evacuation and repatriation included in both plans.
World Nomads Protect Your Gear
  • Explorer Plan: USD $3,500
  • Standard Plan: USD $2,500
World Nomads Additional Coverage
  • Coverage for over 200 adventure activities, with specific activities and limits varying by plan.
  • Emergency Medical Cover, Emergency Evacuation, and Repatriation included.
  • Lost, stolen, or damaged baggage insurance.
  • Trip interruption, Trip delay, and more.
World Nomads Miscellaneous Benefits
  • Coverage for pre-trip cancellation, missed connections (Explorer only), hijacking incidents (Explorer only).
  • Baggage & personal items coverage.
  • Passport & travel documents loss.
  • Personal liability coverage.
  • Rental vehicle insurance excess (Explorer only).
  • Personal accident coverage (Explorer only).

World Nomads 24/7 Emergency Assistance

  • Available 24/7 for emergency medical assistance or evacuation during your trip.

Insured Nomads Coverage

Please note — if you purchase insurance, your plan details may differ. This summary is indicative of prior Insured Nomads coverage, but should not be used for any actual decisions without first consulting the details of your particular plan.

Insured Nomads tends to have coverage that includes the following in its World Explorer travel plan.

Coverage Area Options

Worldwide, excluding US or Worldwide, including US

Maximum Benefit per Insured Person per Certificate Period
  • Age 14 through 69: $250,000, $1,000,000 or $2,000,000
  • Age 70 through 79: Including US ($50,000), Excluding US ($100,000)
  • Age 80 and older: $20,000
Insured Nomads World Explorer Eligible Medical Expenses
  • Benefit period of 90 days and benefit amount of "maximum" outside of one's home country and the USA and benefit of $5,000 in home country or in the USA)
  • Incidental trip home of up to 15 days and 90 days of coverage for maximum benefit
  • Acute onset of pre-existing condition from 14 days old to 64 years old up to maximum benefit of $1,000,000 whichever is less (excluding US) with Primary Insurance. Without Primary Insurance up to $20,000. Ages 65 through 69 $2,500 and no benefit for age 70 and older.
  • Acute onset of pre-existing condition within the USA is $50,000 for those between 14 days and 69 years old and $10,000 for age 70 and older.
  • Physician office visits/hospital visits/services within usual, reasonable and customary charges
  • Urgent care centre or walk-in clinic visits/services within usual, reasonable and customary charges
  • Outpatient facility charges
  • Hospital room and board, including nursing, miscellaneous and ancillary services
  • ICU
  • Operating room, treatment room and recovery room
  • Laboratory
  • Radiology/x-rays
  • Surgeon fees, anesthesiologist fees, and anesthesia
  • Durable medical equipment
  • Reconstructive surgery
  • Physical therapy
  • Ermergency room injury and illness
  • Extended care facility
  • Home nursing care
  • Dental treatment to a maximum of $300 for palliative care only
  • Accidents
  • Emergency eye exams
Insured Nomads World Explorer Eligible Travel Expenses
  • Local ambulance if insured is actually admitted to a hospital
  • Interfacility ambulance transfer
  • Emergency medical evaluation
  • Emergency reunion ($100,000)
  • Bedside visit ($1,500)
  • Repatriation of mortal remains ($100,000)
  • Local burial/cremation ($5,000)
  • Return of minor child ($100,000)
  • Trip interruption ($10,000)
  • Natural disaster daily accommodations ($500 per day)
  • Natural disaster evacuation ($25,000)
  • Political evacuation and repatriation ($100,000)
  • Emergency pet transportation ($1,000)
Insured Nomads World Explorer Lump Sum Benefits
  • Accidental Death between $1,250 and $25,000 depending on age
  • Accidental dismemberment: 50% of accidental death benefit for one limb or eye, and 100% for more than one
  • Accidental death and dismemberment family maximum $250,000
  • Common carrier accidental death (100% of accidental death benefit)
  • Common carrier accidental death family maximum ($250,000)
  • Hospital indemnity $250 per night
Insured Nomads World Explorer Personal Property and Liability
  • Lost checked luggage: $50 per item up to a maximum of $500
  • Combined personal liability limit: $25,000
  • Covered sports equipment: $1,000
  • Covered photography equipment: $1,000
  • Covered electronics and communications equipment: $500
  • Optional coverage is available for adventure sports and marine activities

Sign-Up Process

Online Application

Both World Nomads and Insured Nomads offer a straightforward online application process. You can easily sign up on their websites by providing some basic information about yourself and your travel plans. The entire process is user-friendly and can be completed in just a few minutes.

Required Documentation

To complete your application, you'll need to provide some essential documents. Typically, this includes a copy of your passport and details about your trip. Make sure to have these documents ready to avoid any delays.

Approval Time

Once you've submitted your application and provided the necessary documents, the approval time is usually quick. Most users receive confirmation within a few hours, although it can take up to 24 hours in some cases. If you don't receive a response within this time frame, be sure to check your spam folder or contact customer support for assistance.

Signing up for travel insurance is a crucial step to ensure you're covered during your adventures. Don't skip this important process to safeguard your travels.

Customer Support and Service

Both World Nomads and Insured Nomads offer 24/7 customer support via email and phone. This ensures that travelers can get help anytime, no matter where they are in the world.

The response time for both companies is generally quick. However, some users have reported that Insured Nomads tends to respond faster to urgent queries.

World Nomads and Insured Nomads provide multiple support channels, including:

  • Email
  • Phone
  • Online chat

This variety ensures that travelers can choose the most convenient way to get assistance.

Having multiple support channels is crucial for travelers who might face different types of issues while on the road.

Claims Process

Filing a Claim

Filing a claim with World Nomads is straightforward. You can claim online while traveling or after you return home through your World Nomads membership. Here are the steps:

  1. Gather your receipts.
  2. Sign in to your World Nomads account.
  3. Make a new claim.
  4. Tell them what happened.
  5. List your expenses.
  6. Send supporting documentation.
  7. Upload your documentation, receipts, invoices, or other proof of your expenses.
  8. Review your claim.
  9. Submit your claim.
  10. Communicate with the claims team.

Processing Time

Insurance claims can be complex to process, and depending on the company, there could be many claims in the queue. World Nomads makes it easy to file a claim online and submit receipts and documentation. The response is fairly quick based on reviews from travelers who have actually had to file claims.


Reimbursement isn't guaranteed. The credit cards do require that you file your claim and wait for a decision. To minimize delays, always ask or try to get a feel for how long it takes for a claim to be processed and paid. Find out what documentation you’ll need to provide along with a claim to speed up the process.

Submitting a claim to a travel insurance company can sometimes be difficult, but World Nomads aims to simplify this for their customers.

Unique Features of World Nomads

travelers with backpacks

Adventure Activities Coverage

World Nomads stands out among other providers as it is a good fit for adventurous travelers. Its plans automatically include coverage for over 200+ activities, making it ideal for those who love adventure sports. Whether you're trekking in Nepal or backpacking through Central America, World Nomads has you covered.

Community Projects

World Nomads is not just about insurance; they also support community projects. They fund various initiatives around the world, helping local communities thrive. This adds a unique, feel-good factor to their insurance plans.

Travel Safety Tips

World Nomads offers a wealth of travel safety tips to keep you informed and safe during your travels. From health advice to safety precautions, they provide valuable information to ensure you have a safe journey.

World Nomads is unique amongst other providers as it is a good fit for adventurous travelers. Its plans automatically include coverage for over 200+ activities, making it ideal for those who love adventure sports.

Unique Features of Insured Nomads

Telemedicine Coverage

Insured Nomads offers telemedicine coverage as part of their insurance plans. This means you can consult with a doctor online, no matter where you are in the world. It's a great feature for remote workers and travelers who might not have easy access to a local doctor.

Flexible Cancellation

One of the standout features of Insured Nomads is their flexible cancellation policy. Certain plans allow you to cancel your coverage whenever you like, providing peace of mind for those with unpredictable schedules.

Global Team

Insured Nomads is managed by a global team of digital nomads. This diverse team understands the unique needs of travelers and remote workers, ensuring that their insurance plans are tailored to meet these needs.

Contact Insured Nomads today to discover travel medical insurance solutions designed for your unique needs. The future of work is not bound by walls, and neither should your insurance.

Pros and Cons of World Nomads


  • You can get a quick quote on the website using their online form.
  • Coverage is available for 200 sports and activities.
  • The company has a stellar reputation in the digital nomad space.
  • World Nomads travel insurance covers COVID benefits.
  • A wide range of benefits is included in the plan.


  • Some travelers with multiple destinations and long-term trips found their trip wasn't covered by Nomads' specific policies.
  • The cost can be higher compared to other travel insurance providers.
  • Limited coverage for pre-existing conditions.

User Reviews

World Nomads was very responsive to positive and negative reviews on Trustpilot.

Many users appreciate the good coverage anywhere in the world and the gear coverage for tech and other digital nomad equipment. However, some users took issue with the "Nomads" branding, as it didn't always fit their travel style.

Pros and Cons of Insured Nomads


  • The online signup process is very quick.
  • Low deductibles make it affordable.
  • Offers a variety of insurance plans.
  • Includes telemedicine coverage.
  • Some plans allow flexible cancellation.
  • Managed by a global team of digital nomads.


  • Higher premiums compared to some competitors.
  • Limited coverage for pre-existing conditions.
  • Customer service can be slow at times.

User Reviews

Many users appreciate the global health insurance options and the flexibility of the plans. However, some have noted that the customer service response time could be improved.

Overall, Insured Nomads offers a range of benefits that cater to the needs of digital nomads and travelers, but there are areas where they could improve.

Which Travel Insurance Should You Choose?

Choosing the right travel insurance can be tricky. Every traveler is different, so the best plan for one person might not be the best for another. Here are some factors to consider when making your decision.

Factors to Consider

  1. Coverage Needs: Think about what you need most. Is it medical coverage, trip cancellation, or adventure sports coverage?
  2. Budget: How much are you willing to spend? Compare the costs of different plans to find one that fits your budget.
  3. Travel Frequency: Are you a frequent traveler or planning a one-time trip? Some plans are better suited for regular travelers.
  4. Destination: Some insurance plans offer better coverage for certain regions. Make sure your destination is well-covered.

Personal Preferences

Your personal preferences also play a big role. Do you prefer a company with a global team or one that offers telemedicine coverage? Maybe you value community projects or travel safety tips. Weigh these preferences to find the best fit.

Final Recommendation

Ultimately, the best travel insurance is the one that meets your specific needs. Take the time to compare different plans and read user reviews. Travel insurance is important, so choose wisely to ensure a safe and enjoyable trip.

Remember, there is no one perfect insurance plan. The best way to buy travel insurance that actually covers you is to decide what one thing is most important to you.


Choosing the right travel insurance is crucial for digital nomads and long-term travelers. Both World Nomads and Insured Nomads offer great options, each with their own perks. World Nomads is well-known and trusted, offering coverage for a wide range of activities and destinations. Insured Nomads, on the other hand, provides a variety of plans and benefits like telemedicine and flexible cancellation. Your choice will depend on your specific needs and travel plans. Make sure to compare the features and prices to find the best fit for your adventures.

Frequently Asked Questions

What is the main difference between World Nomads and Insured Nomads?

World Nomads focuses on adventure travel insurance, while Insured Nomads offers a variety of plans including telemedicine and flexible cancellation options.

Can I get a discount on Insured Nomads plans?

Yes, you can use the code FNOMADS10 at checkout to get 10% off on World Explorer and World Explorer Guardian plans.

What types of activities are covered by World Nomads?

World Nomads covers over 150 activities, including bungee jumping, rock climbing, and hot-air ballooning.

How long does it take to get approved for travel insurance?

The approval time varies, but both World Nomads and Insured Nomads offer quick online sign-up processes.

Do Insured Nomads offer telemedicine services?

Yes, one of the benefits of Insured Nomads is the inclusion of telemedicine coverage in certain plans.

What should I consider when choosing between the two?

Consider factors like the type of activities you plan to do, your budget, and whether you need extra features like telemedicine or flexible cancellation.

Is it easy to file a claim with these companies?

Both companies have straightforward claim processes, but the time it takes to get reimbursed can vary.

Are there any special offers for World Nomads?

Currently, there are no special discount codes for World Nomads, but you can check their website for any promotions.

Curtis Duggan

Curtis Duggan

Curtis is a serial tech entrepreneur, content creator and the host of the Remotely Serious podcast on the future of remote work and digital nomadism.


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