Travel Insurance Reviews

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"..?

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

When I try to make a claim online (at the world nomads website), I kept getting the following message:

"Download & complete a claim form. Unfortunately, this type of claim is not yet supported online."

So then I tried to find a phone number to call and tried to call this number twice: 1-844-207-1930

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.

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.
Then, when I hadn't heard back from them for 46 days, I sent another email asking for anyone to help me.
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.
Then, 23 days later, I received an email that attached a document, which said the following:
"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."

There is no further information provided. They did not explain why they determined my claim was not covered.

(If you've done the math, I spent over 75 days trying to get help before finally just getting my claim rejected.)

This is pretty unreasonable considering my travels and trips were in fact interrupted and delayed due to a stolen passport.

(You can review the plan policy I was given in their PDFs available online at their website.)

Under the section entitled:
NATIONWIDE MUTUAL INSURANCE COMPANY
TRAVEL PROTECTION INSURANCE POLICY
GENERAL DEFINITIONS

Hazard means:
c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;

Then, under the COVERAGES section, it says:

TRIP DELAY
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.

Covered Trip Delay Expenses:
(a) Any pre-paid, unused, non-refundable land and water accommodations;
(b) Any Reasonable Expenses incurred.
You must provide the following documentation when presenting a claim for these benefits:
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.


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.

I would never recommend World Nomads to anyone. In fact, I would actively discourage everyone from World Nomads.

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.

World nomads is a legitimate company providing reliable coverage for a good price. However, if you do end up needing to make a claim, the process could very likely become a headache. I've been trying to make a claim for a consultation and medication I received and am not receiving the emails they send me regarding the claim (I receive all others). I contacted claims department via email - no response. I called claims department, was told I couldn't get through, eventually did after an hour, and the poor girl is having difficulty - I believe she was unable to locate my profile/claim. The representatives are kind and want to help but calling overseas is a pain in itself, so to have it be such a process just to make a claim is ridiculous. If you can go with another company, I would highly suggest it. I will not be getting insurance through this company ever again after this experience.

As many others have said, they will scam you in some way or another when you try claiming anything. I got a phone stolen, tried to claim it, but they wouldn't pay because the theft needed to be observed. I said we have CCTV footage, witnesses and the police report. Then they said it needed to be observed by me, during the act. It was then I figured I was robbed twice, and the insurance scam was more expensive then the phone. Customer service was also rude as anything. I tried another claim later on, and same bs hidden rules that apply to anything.

Fast response but not very helpful answer from customer service.
Lengthy claim form and not easy to understand
Compared to other insurance companies I would not recommend them.

This is a fraud company, nothing else. I have done two claims during travels with this company. The first one I was robbed of my camera, I did police report and there where also witnesses at the site. World Nomads refused my claim because in order to get any help they demand the full identification of the robber (sic). The second claim was about a missed transfer because of a delayed flight that made me stuck at airport two days. This time World of Nomads refused again, they claimed (among other things)that the captain (or likewise) of the aircraft need to give me a signed paper of what happen, why the plane was deleyed. Needless to say this World Nomads is nothing than fraud, criminals

I was emotionally and mentally distressed the whole time whilst having to deal with the claims team at World Nomads.

I had a bicycle accident and had to have urgent surgery on my shoulder. The nightmare started when I was trying to make a claim for my hospital bill. They really didn't want to pay out and pushed me down every avenue to have the national health service here in Italy cover the costs. They had me visiting all different government services during covid times also while I was trying to recover from my accident. It was the most stressful ordeal I've had to endure. They shamelessly try to avoid providing the cover YOU PAY FOR.

Avoid at all costs this insurance company!!! No faith in them providing care when you really need it.

I have travelled extensively for the last five years and have always used this insurance. Fortunately up to now I have never had to make a claim .This is where you have failed me. This leads me to believe that your company is basically in the business of selling false security.

I paid $1000 for the upgraded plan to buy me more security but little did I know it was money thrown to the wind.

I was in Indonesia, prepared to come back in June. Unfortunately as you well know due to the pandemic, I had to come home early. I had a scheduled flight booked for March 19th. This flight was from Bali-Taipei-Toronto. I paid $900 for this. 16 hours before my flight was set to depart, Taipei announced that they would be closing borders for transit and my flight was cancelled. This left me with very limited options to return home. Hong Kong, Singapore, Taipei, Kuala Lumpur and a majority of major transit cities were closed. From Bali I quickly caught a flight to Jakarta in hope that once in Jakarta I would be able to book a flight back to Canada. I was able to book the only flight going through Japan that evening. Time was definitely of the essence and at that point cost was negligible to me as my safety was more important. I also had this false sense of security that my insurance provider would come through and cover some of the costs.

I made two calls to the insurance provider while I was abroad, in which two customer relations employees pulled up my policy# and confirmed to me that my trip interruption would indeed cover the costs up to $5,000 as my plan states. I even mentioned the flights that I had booked already. The flight into Indonesia, and the flight going home.

When I got back to Canada I submitted all my documents. I followed up 6 weeks after my submission and got an email back saying they were overwhelmed with claims and to continue waiting. I waited another 6 weeks and followed up, I received the same response that the insurance was receiving a high volume of claims. I continued to follow up and was asked for additional documents for my claim. I continued to follow up every 4 weeks, again with the same response “we are receiving a high number of claims”

It took me posting everything on Instagram for anyone to even bother reaching out to me; definitely very poor customer relations. After 4 months of very little correspondence I was advised that my claim was rejected on the basis that I did not have a return flight. Clearly my submission of information had proof of my return flight through Taiwan, on March 19th that had been cancelled. Definitely confused what a return flight is supposed to look like according to your standards.

To make matters even more frustrating world nomads states in their blog post: if you don’t have a return ticket DON’T WORRY we will cover you for a portion of your flight home. Since when does a portion mean 0$?

Don’t waste your money on this insurance , I’ve had 5 people I’ve talked to not receive anything for the claims they have filed.

I’m still waiting on a claim I filed in September for dental work to be reimbursed.

This company is a complete joke.

I had to travel at no notice so bought World Nomads for a 5 day trip. On day 1, a flight was cancelled and I was stranded en route so needed to make a claim, but as I'd bought it out of Autralia, there's a 4 day wait until the insurance is valid - it's hidden somewhere in the small print. So they charged me for 5 days of insurance, but were actually only covering me for the final day of my trip! Criminal for starters.
Finding this out, I said I wanted to cancel my insurance and get a refund as I too got a 'cooling off period' and would have to get insurance from elsewhere to actually be covered (which I did). I had to follow up twice when I had no response, then after about 3 weeks they asked me to explain in detail my case, which I did. After another 3 weeks and more emails from me, I received an apology for the delay and they asked me to explain in detail my case, again, which I did. Again, I had to wait some weeks and send more follow up emails before being asked to explain my case again. At this point I got angry and pointed out it was all in the email thread. After some discussion, they then wanted me to send on all this personal information (copy of new replacement insurance, passport, itinerary, tickets etc) that they'd never wanted before and I became incredibly suspicious as they wouldn't tell me why they wanted the information. In the end, I chose to abandon my efforts as they refused to take my concerns any further without this information. They were dismissive and obstructive at every turn.
I've used them for years and supported their charity and now I finally need to make a claim get this treatment - took around 5 months to get even this far; it's criminal behaviour. Thank the Lord I wasn't in life-threatening danger as I think they would have happily sat back and enjoyed the show. Not worth it!

I have been loyal to WN over many years, always using them for all my travels.
They are very competitive price wise but thats where any positivity begins and ends.
I have had to make a claim for a cancelled trip and it has been nothing short of a protracted nightmare dealing with these bunch of inept #$%*&!!!!
I gathered together all the required paperwork which was sent to them, some time went by when I called to follow up as I had heard nothing from them.
Despite sending it to them they claimed they had no record of it arriving, telling me it may have been re-directed to Melbourne as they were handling claims along with Sydney which is where I had sent it.
Luckily i had copied everything I had sent, so I went about emailing all of it again.
At each step of this process I get told it will be another 10 days to have it reviewed (another 10 days on top of another and another... you get the picture)
Despite providing them with all the requested documents I've had repeated requests to supply documents they have been provided with twice.
So again I went about emailing it through AGAIN (only to be told another 10 days...)
I have spent countless hours on the phone dealing with these idiots, not to mention the time wasted in having to re-screenshot, attach and email the same stuff over and over again.
I've been told numerous times someone will call me back, no surprise that never happens.
I get flimsy excuses like they can see my email but their internal IT systems have blocked the attachments blah blah blah so I need to re-send it all one by one.
Their customer service is worthy of minus stars if I could.
Never again will I even consider using this company again, I will be telling all my friends who travel to avoid them like the plague.
I will happily pay a premium to get insurance through a reputable company who don't turn the most straight forward cancellation claim into an absolute nightmare.
Avoid at all costs!
You've been warned.