World Nomads Standard vs Explorer: An Ultimate Guide to The Best Travel Insurance for Your Adventure – A BROTHER ABROAD (2024)

World Nomads Travel Insurance offers great coverage that I’ve depended on for countless adventures around the world. However, weighing your options between World Nomads standard vs explorer coverage can be an annoying and mind-breaking task. Don’t sweat! In this guide, we’ll share everything you need to know to choose the travel insurance that’s right for you.

The major advantage of World Nomads over other travel insurance, like SafetyWing or Revolut Travel insurance, is their extensive coverage of adventure sports and adventure travel in general. Unfortunately, comparing the World Nomads Standard Plan vs. the Explorer plan can get a little confusing, as can be deciding whether it is worth the extra cost when deciding whether it is worth it to pay a little extra upfront instead of paying for unexpected emergency medical expenses later.

The main difference between the two plans is whichadventure sports are covered under the travel insurance. To make iteasier to pick which coverage is best for you I’ve organized a list of thecovered sports. If any of your plannedsports falls in the explorer plan, opt for the explorer plan. If not, save your hard earned cash and stickwith the standard plan and the other coverages (trip interruption, emergencymedical, lost baggage) will be more than enough

Below you’ll find a list of all adventure sports covered byWorld Nomad’s Travel Insurance and the policy you’ll need to purchase for thatspecific coverage

Note: This is a quick summary of coverages to help in your research however, please visit **World Nomads information** as policies vary in coverage based on chosen coverages and your home country.

World Nomads coverage is extensive and great for most travelers. However, you need to understand the primary coverages and coverage limits to be sure World Nomads in general is right for you.

If a covered emergency causes you to miss your trip, World Nomads’ trip cancellation coverage will reimburse you for any pre-paid, nonrefundable trip costs such as transportation, accommodation, and tours.

Common covered emergencies include sickness or illness, natural disasters, terrorism, and transportation industry strikes.

If you get sick or injured while you’re traveling, World Nomads will cover hospitalization, outpatient treatment for emergencies, necessary labs and X-rays, and transport home if medically necessary

Medical evacuation covers transporting a patient to a hospital or treatment center to respond to a medical emergency and in order to be treated.

Medical repatriation covers transporting a patient back home at the recommendation of a doctor due to injuries or illness.

Both medical evacuation and medical repatriation are covered under World Nomads with the following coverages:

Yes, World Nomads covers against loss, theft, or damage to your bags and belongings with limits of $3,000 for the Explorer and $1,000 for the Standard Plan

Cancel For Any Reason travel insurance is any travel insurance with a clause or option that allows you to cancel your policy after you have already purchased it and receive a refund.

World Nomads does not allow you to cancel a policy after it has been “used” or started, however, World Nomads insurance has a cooling-off period of 21 days from the purchase of the policy that allows you to cancel for any reason your planned coverage and receive a refund of 100% of the premium and fees you paid.

In order for your cancellation to qualify for World Nomads’ Cancel for Any Reason (before traveling) clause, you must not have started your policy and you must not have used your policy.

If all of these conditions apply, and you are within 21 days of your policy purchase date, you can cancel for any reason and receive a refund – whether your vacation dates from work have changed, you found a better destination, you decided to stay longer where you’re at, or your fear of travel simply kicked in, you’ll be covered.

World Nomads maintains a multi-lingual team available 24/7 to advise you in responding to travel issues and emergencies and to approve use of major coverages, such as medical evacuation or repatriation.

To contact the World Nomads team, keep these numbers handy – General Global Assistance: +1 954-334-8143 or +1 877-289-0968

You need to be under 70 years old to qualify for a World Nomads policy.

World Nomads is fantastic insurance, from my experience. Whether you’re adventuring through the Andean mountains of South America and the Himilayas, or diving in the beautiful waters of Southeast Asia, World Nomads coverage has proven reliable enough (for myself and other travelers) that it is very much worthwhile.

However, if you’re a young, nearly broke backpacker on a budget (or a quietly frugal millionaire), is World Nomads right for you?

Honestly, if you are in a travel period wherein you’re not heading to the highest heights or the lowest depths of the planet, you still need travel insurance, however, there are other, better, and cheaper options available.

If you are not adventuring hard at the moment, and have a credit card that can cover your emergency medical expenses in the short term (to be repaid by your travel insurance later) there are other, cheaper travel insurances available that are just as practical.

I highly recommend reading our Safety review, which shares everything you need to know about this travel insurance for nomads that costs roughly $1 per day.