World Nomads loophole Conditions that are "similar", but unrelated to, a condition that was subject to a previous claim ARE NOT COVERED.  Here is an example, in World Nomads' own words: "If you were to develop a new stomach condition not related to the previous stomach issue but a similar condition you would not be covered due to it would be considered pre-existing unless it was due to an injury or something totally unrelated."  I would be happy to share their emails to me for posting on this site.  This is a shocking and appalling loophole, especially for a policy that is marketed towards long term travellers, who are likely to get separate but "similar conditions" - such as stomach issues, the most common travelers' ailment.  This company is unethical and anyone who promotes it without mentioning this loophole is irresponsible (they likely didn't know, as this provision is not explicitly stated in the policy). World Nomads will not provide any further details on how they define a "similar condition" (affecting the same part of the body?  Having the same symptoms?  Being a virus or bacteria?), so if you make a claim after getting sick or injured once, you may not have coverage if you get sick or injured again (you have to file a claim to find out).  I have confirmed this loophole multiple times, so I know it wasn't just one agent giving incorrect information.  It seems fraudulent that they have this policy but do not state it in their policy documents (all the policy document says is that you only get one follow up visit per emergency, it says nothing about coverage being based on previous emergency claims).

Had a ski trip to Norway scheduled in March and a bike trip to Denmark in June. Purchased Travel Guard Insurance for the Norway trip and World Nomad for the Denmark trip. Neither policy was a cancel for any reason. Then came Covid 19 and both trips were cancelled by the guiding vendors leaving me with the loss of the guide expense and two hotels for each trip. Travel Guard (AIG) paid for my losses in full. World Nomad would not permit a claim to be filed. Their excuse was "pandemic" was not included in the small print of coverage (nor was it mentioned in the exclusions). They wouldn't even consider a transfer of coverage to another trip or return of the premium. You never know the quality of your insurance coverage until you actually have to use it. Now I know Travel Guard delivers on their coverage. Will never consider World Nomad for any future travel.

Very disappointed I've been travelling around the world for 30 years and the first time I make a travel insurance claim, having purchased trip insurance from World Nomads, they refuse to pay for a wisdom tooth extraction I had whilst on holiday. If this dental work had not been done the pain would have ruined my whole trip. Seriously, if they are not prepared to pay for this what about something more serious? How can you have confidence or trust in an organisation who will endeavour to weasel out of paying for even straightforward things? If this is representative of the industry I am appalled. I even had to chase them twice before they decided they weren't prepared to pay up. Appalling service. They were good at taking my money though.

I bought a single trip insurance policy to New Zealand for £193 but had to curtail the trip in transit after two days. No provision for cancellation or trip disruption, and no refund on the policy. I then found an ANNUAL travel insurance policy with better terms and conditions on Money Supermarket UK. For half the price....

I filed a claim around Feb 8, 2019, and they are still giving me the run around. "Send _____ document." Again? Why? and "Oh, this police report states differently from your claim, why?" I have already called your office in Ireland, put on hold at length, to explain that. Then, you change claims assistants multiple times, ask me to resubmit documents again and again; and claim to not know what's going on. 2. They don't *read* what you are writing. Necessitating an international phone call to their underwriting office in IRELAND. Then, to be put on HOLD. And, after all of the hassle, they STILL don't get your claim right. 3. Multiple emails sent recently asking for an update. NO RESPONSE. Not the Claims Dept., not the Emergency email address. Finally, I wrote on their Facebook page, and got a response. However, that response was asking me to again submit documents that I have already submitted. They are simply waiting for the customer to go away. HORRIBLE delays, and ridiculous hoops to jump through in order to get a claim filed, must less approved. SHAME on writers getting paid to give World Nomads a good name. It is rotten to the core. Soooo simple to pay THEM money to get an "insurance" policy. Soooo difficult to get a claim approved. The lack of efficiency of their services, their clunky portal where customers have to go to upload documents to file a claim. A portal that does not accept documents; does not tell you WHY the page won't load and let you go on to the next step - all designed to get the customer to GIVE UP. But, millions of $ are going into marketing their "insurance," rather than improving their claims service, their clunkety claims submission portal; their poor customer service, and corrupt business practices. WORLD NOMADS SUCKS

First time for my girlfriend and I in 3 years of using this company that i needed to use their service . They were very helpful with finding a doctor. BUT, Problem with them is after you pay for the doctors visit and drugs needed out of your own pocket, you have to mail in the original receipts to them for them to reimburse you. I am travelling a year this time. This happened near the beginning of the trip. Im travelling countries with not so trust worthy mail services. So, i have to front the $550 for my appointment for a whole year till i get back home and can mail it in and claim it. Thats a big chunk of money out of our travel fund. Its a terrible system. Id suggest looking for a company that works with people who travel and knows that mailing in receipts from around the world isn't always possible. One star just for how absolutely stupid it is to claim anything through them.

I was affected by the Iceland air strike in December of 2017. I was supposed to fly to Newark then Bradley airport. My car was at Bradley aiport. I was able to fly to JFK. There is no way to get from JFK to Bradley except by UBER or a shared shuttle called the CT LIMO. I booked the limo and asked to be reimbursed. Nomads denied the claim. I would not recommend this company, and will not purchase from them again.

BE CAREFULL!! DONT CHOOSE THIS INSURANCE. THEY DONT REFUND ANYTHING IF YOU MISS FLIGHT. I MISSED A FLIGHT ( £250 ) BECAUSE OF PROBLEM CONEXTION AND THE HAVENT GIVEN ANYTHING. I PAID £87 FOR THE INSURANCE. UNFAIR DONT TRUST THEM

Don't choose world nomads. They would not even refund me the remainder of my travel insurance when part way through a working holiday my travel companion/girlfriend had a family emergency. It was her immediate family and she was very upset. Most companies will refund a remainder of insurance if you cancel trip part way through for emergency. Insurance should help you in these unfortunate situations, and usually does. But when I submitted a claim they gave me no money, not even refund for remainder of policy. My girlfriend's company had refund policy no questions asked. Please choose another company. Edit

My husband is in Bolivia. After an eleven day hospital stay he requires a nurse for travel back to USA... they keep delaying a nurse getting down there to accompany him back. (They have a letter from his doctors requiring this) Now they need a day to translate before they will start the process. Delay Delay ...... and then they tell me it could be another 3-4 days. My husband has had major surgery and is now in a hotel of which I am sure I will have to hire an attorney to recoup cost. Nomad Insurance subs out to Oncallinternational.com based out of NH. Don't waist your money

I decided to purchase travel insurance through world nomads which was a terrible mistake. I ended up breaking my arm on a snowboard trip in Austria and had to take an ambulance to the hospital. I had to pay over $500 dollars upfront for treatment. When I got home I find out they use TripMate as their partner for insurance and it has been over 4 months and I still have not received payment. I never received the first check they sent me and they refuse to put a tracking number on the check so I can know they even sent it to me. Go with ALLIAZ insurance instead, I got sick over seas earlier this year and they were able to pay my hospital bill through direct bank deposit. I am told I have to wait another 3 weeks to receive my check. This wouldn't be an issue if I didn't have to use my credit card and I've been paying interest on it for 4 months.

If you think you are covered if your airline cancels your flight or dealays it causing you to miss other flights. It does not!!! Our flight was cancelled by Royal Air Marc and they did not notify us. We even were sent to the terminal gate by the RAM ticket agent that morning, only to be told at leaving time our flight had been cancelled earlier in the week. Apparently this is fairly common with this Airlines. They have an F rating from the Better Buisness Bureau and do not respond to customer complaints. When I bought travel insurance, I just figured that was the main reason to get travel insurance, to cover you in case of airline problems. I'm now out $1800 because of total incompetence from Royal Air Maroc and taking for granted I would be covered by travel insurance. They basically cover you in case of Zombie Eclipse, but not for what you'd expect travel insurance to cover. Be sure to buy tickets that are refundable.

I was reccommended by a surf company to take up their travel insurance because it 'covers horse riding, surfing and diving'. What a load of crack this company has been and I wished I had read reviews and picked another insurance company. I fell off my horse and hurt my shin. Hobbled around because the swelling went down but towards the end of the trip it flared up and I developed a fever. A few days after returning home, the fever grew worse so I went to A&E and got scans done. Doctor gave the all clear, thankfully. They have refused my claim as 'policy wording' does not cover seeking medical treatment 'in your country of permanent residency' for ailments that can wait for medical treatment... So they'll cover you for a broken shin if you hobbled straight to a doctor but not if the injury flares up and requires medical treatment. Apparently common sense & initiative will costs you dearly. The provider markets itself as a comprehensive sports travel insurance with 'excellent' customer service that it DOES not have. Steer clear of them.

Apparently, theft from your checked-in luggage is not covered as it is 'unattended'. It also seems that they are able to avoid paying a claim by defining items as 'valuables', which they do not cover without an additional premium. Unfortunately for us, that definition is left to World Nomads so could include anything. I had high hopes for World Nomads, but they refused my claim when my sunnies were stolen from my luggage en-route from Bangkok to Kathmandu via Mumbai. Sadly WN are just another slippery insurance company and are not interested in being fair to their customers. Profit and greed wins the day. Happy travels!

Beware of world nomads. They  will do everything in their power not to reimburse a claim. My girlfriend got dengue fever in asia and she had to go to the hospital everyday for blood tests and check up by the doctor. They refused to pay the claim. They also refused to pay for the claim to reimburse us for a flight we already paid for but were unable to take because the doctor advised against taking a flight. We had full documentation to support these claims but they completely refused to reimburse us. Do not under any circumstance use this company.

Do not buy this insurance. They do not cover theft of electronic equipment from a motor vehicle. (Section 21.3 b) and does not provide cover of cash. They are also absent in case of medical issues! there are plenty of better product on internet so please stay away from buying the insurance from this company. From and EX-customer Nino Atria

My family and I are halfway through an Around the World trip and are currently in Sri Lanka. After what we thought was careful research and on the recommendation of our travel agent we purchased World Nomads insurance. I would never do that again. Our kids got sick in Uganda and although the out of pocket costs only came to a few hundred dollars we figured we would go through the claims process. To do that we have to log in to our account. We have been working on resetting our password for over a week with three seperate WN reps. Because WN couldn't find our policy number we were referred to their underlying carrier ( who was very helpful and responsive.) We've been referred to people from Australlia to the States and back. They email asking questions, I email back answers and never hear back from them. And this is just to reset a password!! We're glad we haven't had to use the insurance on something serious. We're going to write this claim off and enjoy our trip. Dealing with them has been miserable. Strongly encourage you to look at other carriers.

World Nomads Insurance has failed abysmally to provide the service it promises. A week ago I purchased travel insurance for my son, who had travelled the previous day. A very helpful agent sold me the policy by phone and provided the policy number. When the confirmation email failed to arrive, I emailed customer service, who over the course of a week, have claimed that the policy I purchased does not exist, despite my providing proof of payment to them. A week into my son's trip, the company has made no effort to resolve this matter but has kept my money. As I consider this fraudulent business practice, in the absence of immediate resolution, I will be reporting this company to the Financial Ombudsman of NSW.

Due to a health condition I was declared unfit to fly and had to cancel my ticket. I thought - okay, sucks, but at least I am covered. But, World Nomad does NOT cover this cancellation, since I was not hospitalized (only declared unfit to fly). [They only cover this case, if you did not leave your home country yet]. And also for the medical treatment I had to pay the 100 Dollar. Therefore I see no need to buy an insurance (I even got the more expensive plan) that does not cover the most likely events like a trip cancellation due to illness. First and last time. Especially after I read the comments concerning pickpockets...

I recently traveled to Jordan and Israel, and there were bombings near the region I was going to visit in Israel the day before I crossed over so I made the decision to cut my trip short, before which I called World Nomad to make sure that this was covered under my policy. After weeks of paperwork, going back and forth, no response, I finally receive a "We can't reimburse you for your flight change because the bombing in Israel was 9 miles away from your destination and you have to be within 1 mile" message. I feel as if World Nomads is saying I pretty much have to be DEAD to qualify for an insurance reimbursement - which I'm pretty sure will still not pay out even after I'm dead since there's probably some clause in the terms in between the fine lines. Saving my money next time, it's worst than not having gotten insurance since I'd at least not be out that money, time, and would save myself the frustration of dealing with them.