World Nomads Travel Insurance Review

There are two major reasons for travel insurance, missed flights and medical. Lost luggage is an annoyance but you can deal with it.<br/>I missed a connecting flight due to my first flight being delayed and they denied my claim. They have a vague clause that claims deniability if they determine the airline has control over your delay. There's no visibility on how they determine that. It's as close to a scam as I have seen, pity for me I didn't see it before I paid.

We have been purchasing this insurance for years. Recently we submitted our first claim but NEVER got any response. In fact, World Nomads is just an intermediary and as a customer you have absolutely NO channel to contact the direct insurer.<br/>I wrote them multiple customer support emails, they promised to get back but NEVER did.

Both myself (as an official trip leader) and my other leaders used to use and recommend this company - until we needed them. In two separate instances, neither of us were able to get ahold of anyone at the "24/7" line. And when I finally did, they were super rude! My leader never got ahold of them through that number when she was in the airport actually having an emergency. So she didn't get help, and then when she ended up submitting her claim, they denied it. As an affiliate for WN for years, I was supposed to get paid for every person who signed up for my trips, but never got paid. They claimed they made a mistake but then never rectified it and I never saw my hundreds of dollars I was owed. I will never use nor recommend them again.

I will never use them again, the 24/7 does not work. I had a medical emergency, i couldn’t connect with them to get information, when they picked up the phone they were not helpful, they created problems to use their service, they did not gave us the option to change our flight through medical emergency! This is absurd! <br/><br/>Worse money i ever spent, i will be procuring legal actions when i get back! <br/><br/>DO NOT MAKE THE SAME MISTAKE, they are not trustable.

I feel like world nomads is “highly recommended” by all these paid travel bloggers who have never actually gotten in any form of accident. I got in a pretty bad accident while travelling and really racked up some medical bills. Went through the process of submitting all my receipts, records, photos etc which took quite some time since there was a lot. But guess what? Nothing!! It’s been months and still no response on their end, despite my calling to inquire multiple times. 10/10 travel without insurance over travelling with world nomads.

Flight delayed twice and stranded between home and our destination. <br/><br/>Policy states that deposits and full cost of prepaid expenses are not covered (only new costs). Buyer beware.<br/><br/>3.5 months of extremely onerous paperwork. Multiple emails and international phone calls. <br/><br/>Company relies on customers accepting defeat buy erecting new hurdles at each step. <br/><br/>Refund? Less than I would be paid for an hour of my time by my employer. <br/><br/>What’s the point in paying for insurance if it doesn’t insure anything?<br/><br/>Avoid at all costs.

I will never use them again. They are great until you need their help and then they are extremely unhelpful and rude.<br/>They left me stranded for seven days after cancelled flights while I was recovering from covid induced asthma. <br/>There were repeated promises they were going to help and then absolutely nothing. I’d been using them for years but I never ever will again. I will strongly encourage everyone I know to never use them either- it’s a total waste of money.

I had an insurance with the company for a 40 day EU trip. Cost was over $280 but I don't feel it worth it. Customer service didn't reply for my first 2 messages, only when I tried the 3rd time - even then they couldn't manage my invoice request.

Returned from a trip to find three of four wheels on my suitcase are broken. I’d like to make a claim, but World Nomads wants: a receipt for the suitcase, proof of travel, credit card statement, airline property report, statement of non-repairability and independent supplier’s repair report. This is clearly a process designed to ensure people don’t make claims. My only other experience in making an insurance claim was in 2011 with Alliance and they only needed a photograph of the damage (an iPad that was damaged enroute) based on that they paid replacement cost straight away.

When I try to make a claim online (at the world nomads website), I kept getting the following message: <br/><br/>"Download & complete a claim form. Unfortunately, this type of claim is not yet supported online." <br/><br/>So then I tried to find a phone number to call and tried to call this number twice: 1-844-207-1930<br/><br/>But both times I was told by the TripMate agents that they can't help me make a claim through World Nomads. (They don't have access to the membership dashboard.) They also said that World Nomads doesn't have a phone number. <br/><br/>I tried finding every email I could and reaching out to them. Eventually, 3 days later, someone from TripMates got back to me. I told that correspondent about my claim and attached all my files. <br/>Then, when I hadn't heard back from them for 46 days, I sent another email asking for anyone to help me. <br/>Then 2 days after that, someone finally replied and told me to forward the required documents. I had already attached all the documents in a prior email, but I sent all of them along again anyways. <br/>Then, 23 days later, I received an email that attached a document, which said the following: <br/>"After careful consideration, we have determined the reason provided for your claim is not covered under the post departure benefits (i.e. trip interruption, travel delay or missed connection) underwritten by Nationwide Mutual Insurance Company."<br/><br/>There is no further information provided. They did not explain why they determined my claim was not covered. <br/><br/>(If you've done the math, I spent over 75 days trying to get help before finally just getting my claim rejected.)<br/><br/>This is pretty unreasonable considering my travels and trips were in fact interrupted and delayed due to a stolen passport. <br/><br/>(You can review the plan policy I was given in their PDFs available online at their website.)<br/><br/>Under the section entitled: <br/>NATIONWIDE MUTUAL INSURANCE COMPANY<br/>TRAVEL PROTECTION INSURANCE POLICY<br/>GENERAL DEFINITIONS<br/><br/>Hazard means:<br/>c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;<br/><br/>Then, under the COVERAGES section, it says: <br/><br/>TRIP DELAY<br/>The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a defined Hazard. <br/><br/>Covered Trip Delay Expenses:<br/>(a) Any pre-paid, unused, non-refundable land and water accommodations;<br/>(b) Any Reasonable Expenses incurred.<br/>You must provide the following documentation when presenting a claim for these benefits:<br/>a) Written confirmation of the reasons for delay from the Common Carrier whose delay resulted in the Loss, including but not limited to, scheduled departure and return times and actual departure and return times.<br/><br/><br/>Surely changed flights due to a stolen passport should qualify under any reasonable travel insurance policy plan. But I am now out thousands of dollars in flight tickets due to this stolen passport and unreasonable travel insurance. <br/><br/>I would never recommend World Nomads to anyone. In fact, I would actively discourage everyone from World Nomads.

They claim to cover for flight delay/ missing connecting flight. It’s a lie! <br/>I wish I visited this web to read all the reviews before buying the travel insurance from World Nomads.

I provided all documents requested and then some, and as of today- 1.5 months later- I have heard nothing about my claim. The sent a generic apology after 30 days saying my claim would be "expedited" and upon my request said a supervisor would call me within 24-48 hours. That was two weeks ago with still no call, and the reps on the phone refused to update any of our correspondences on my claim dashboard since last month. They claim "Covid has them backlogged"..?