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World Nomads Travel Insurance Review: Is it Worth The Cost?

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Table of Contents

What does World Nomads travel insurance cover?

World nomads single trip plans, which world nomads insurance plan is best for me, can you buy world nomads travel insurance online, what isn’t covered, is world nomads insurance worth it.

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

World Nomads offers the Standard and Explorer travel insurance plans and excels in sports/activity related travel insurance coverage while offering solid trip delay, baggage delay and lost luggage protections.

The provider offers insurance plans for travel to nearly any country and is available to residents of most countries. In the U.S., World Nomads policies are administered by Nationwide Mutual Insurance Company, a Fortune 100 company offering various types of insurance and financial products.

Here’s what you need to know about World Nomads travel insurance to help you decide which plan makes sense for your trip.

Before you buy a plan, check to see if you already have coverage through a premium travel credit card , and if so, verify whether those limits are sufficient. If they are, standalone emergency medical coverage may be adequate as the travel insurance provided by credit card often excludes healthcare expenses or offers a low limit (the Chase Sapphire Reserve® is one of the few cards to offer emergency medical and dental, however coverage is capped at $2,500 ).

Chase Sapphire Reserve®

World Nomads offers different coverage levels for its travel insurance options, but both qualify as single trip plans.

Single trip plans are designed for individuals who are leaving their home, visiting another destination (or destinations) and returning home. These travel insurance plans are the most comprehensive and provide benefits like trip cancellation, trip interruption and medical coverage. 

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, including skiing , rafting, backpacking and bouldering. Note that extreme sports are not covered.

All plans include trip protection, emergency medical insurance , emergency evacuation and coverage to protect your gear.

World Nomads offers two plans, with the latter offering higher limits and additional adventure sports coverage.

The plans can be purchased for trip duration up to a maximum 180 days, and you can extend your coverage mid-trip. The price of the policy will depend on the duration of the trip and the countries that you're visiting.

To see the cost of the insurance plan, you will need to input your trip details, your age and state of residence. Unlike many other insurers, you do not need to include the cost of your trip when searching for a World Nomads policy because trip cancellation and interruption benefits are capped at a specific dollar amount rather than a percentage of money spent.

We input a sample trip of a two-week vacation in December 2023 to Italy by a 30-year-old from Illinois.

World Nomads single trip plan cost

Here are some example World Nomads insurance costs based on our example trip.

Standard Plan

The Standard Plan ($86) is a good choice for those who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain adventure sports.

However, this plan still shines in sports coverage, covering activities like wind surfing and bungee jumping, which are seldom covered by travel insurance companies. A full list of covered sports by plan type is available on the World Nomads site.

Explorer Plan

The Explorer Plan ($155) includes all the benefits of the Standard Plan along with higher limits, rental car damage insurance (in the states where it is available) and adventure sports (e.g., skydiving, heli skiing) coverage.

This choice is also good for those whose trips costs less than $10,000 as this is the maximum trip cancellation and interruption protection.

A Cancel For Any Reason (CFAR) upgrade is not offered by World Nomads. If this option is a must, look for a travel insurance company that offers CFAR.

Selecting the appropriate plan for your travels involves understanding which coverage you’d like on the trip.

If you have a premium travel card : If you have a premium travel card that offers an adequate amount of trip cancellation / interruption benefits, you may only need to get a standalone emergency health care policy. For example, The Business Platinum Card® from American Express offers $10,000 per trip and $20,000 per year in trip cancellation benefits . Terms apply. Only the Explorer Plan ($10,000) has a comparable level of trip cancellation protection. Terms apply.

If the coverage provided by your card isn’t adequate or applicable: If you don’t have a premium travel credit card , the coverage provided by your card isn’t sufficient or you didn’t use the card to pay for your trip, then a comprehensive insurance plan like the Standard or Explorer plan might be the best choice.

More chill travelers: If you don’t need adventure sports coverage and your trip costs less than $2,500 (or you already have trip cancellation / interruption benefits from your credit card), the Standard Plan would be sufficient.

» Learn More: How to find the best travel insurance

Go to worldnomads.com and input your trip details.

If your country of residence is the U.S., an additional row will appear asking you to input your state.

» Learn more: Is travel insurance worth it?

Trip insurance plans are filled with exclusions, so you’ll want to pay attention to what is and isn’t covered so there aren’t any surprises. Here are some exclusions you can expect from World Nomads:

Pre-existing conditions: If you’ve sought treatment for any illness or condition in the 90-day period preceding the start of the policy and then seek medical care for the same illness/condition, you may be on the hook for the bill since World Nomads does not cover pre-existing conditions.

Intentional acts: Losses sustained from self-harm, intoxication, drug use or criminal activity are not covered.

Travelers with pre-existing conditions might consider policies from providers like Travel Guard by AIG or Allianz .

» Learn more: The best travel insurance companies right now (World Nomads is on the list!)

World Nomads has been offering insurance since 2002. The company is well established and offers two single trip travel insurance policies to fit many different needs.

Both plans offered by World Nomads include trip cancellation, interruption and delays; emergency accident and sickness medical expenses; emergency evacuation; repatriation of remains; non-medical emergency transportation; baggage and personal effects; baggage delay for outward journeys; rental car damage in certain locations; accidental death and dismemberment; Generali Global Assistance; and adventure sports and activities.

World Nomads does not include Cancel For Any Reason coverage, even as an add on.

You will need to file a claim with the insurer after you’ve incurred costs related to a covered expense. If the claim is approved, you will receive a reimbursement. In some instances, such as baggage delay, World Nomads pays you a fixed amount per day rather than 100% coverage for costs incurred.

World Nomads offers some good travel insurance plans for adventurous, single-trip travelers. This is also a good fit for anyone who is uncertain about their trip length (since you can add coverage during your vacation).

Insurance can be extended mid-trip.

You can insure trips up to 180 days in length — which makes it an attractive option for digital nomads .

Adventure sports coverage is more robust than many other plans.

Simple choice of two plans.

Extreme sports are not covered.

There is no annual plan option. A policy ends once you return within 100 miles of home, even if you’re only home briefly as part of a long trip.

Regardless of your trip cost, trip cancellation and interruption coverage is capped at a dollar amount rather than as a percentage of trip cost. The Standard Plan and Explorer Plan cover trips up to $2,500 and $10,000, respectively. If you’re going on a more expensive trip, you won’t be able to protect the entire trip.

You must be 70 years old or younger to qualify for coverage.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

A previous version of this article misstated World Nomads' insurance offerings. This article has been corrected.

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

World Nomads Travel Insurance Review | Money

E ven the best travel insurance companies don’t generally cover sport injuries, and if they do, it’s for an additional cost. World Nomads, on the other hand, is ideal for thrill-seeking travelers that plan to do more than just head to the beach or visit tourist attractions. The company offers travel insurance options that include coverage for extreme sports, such as snowboarding, skydiving and scuba diving.

Read on for a detailed review on World Nomads’ insurance options, accessibility, customer experience and more.

Best for Adventure Sports

World Nomads offers ideal coverage options for adventure seekers. For example, the Explorer plan — the company’s most comprehensive — insures against accidents that can happen in adventurous activities and sports, including triathlons.

Most of World Nomads’ competitors don’t offer similar insurance packages for travelers involved in high-risk activities. However, purchasing a World Nomads plan may be expensive if your trip doesn’t include sport and adventure activities .

World Nomads Travel Insurance Pros and Cons

• Insurance coverage for 200+ sports and adventure activities

24/7 emergency assistance

• Additional coverage can be purchased during your trip

No pre-existing medical condition coverage

• No coverage options for travelers aged 70+
• No "Cancel for Any Reason" add-on available

Pros explained

World Nomads plans can include coverage for more than 200 types of sports and activities, 24/7 emergency assistance and the option to purchase additional coverage during a trip.

Insurance coverage for 200+ sports activities

World Nomads Travel Insurance is an excellent option for thrill-seeking travelers. The company has two plans that cover a wide range of sport activities.

The Standard package covers activities such as horseback riding, zip lining and river tubing. The Explorer package offers coverage for more intense activities like shark cage diving, skydiving and ice climbing.

However, World Nomads has specific restrictions on some of the activities. For example, the Standard package covers tree climbing but only up to 33 feet. With this in mind, read your insurance agreement carefully to make sure you know the extent of your coverage.

World Nomads Travel Insurance has a hotline with representatives ready to provide emergency assistance 24 hours a day, seven days a week for both the Standard and Explorer plans.

Agents can help you schedule a dentist appointment for an emergency tooth extraction or advise you on how to get a prescription filled while traveling internationally, for example. You can also get assistance for replacing lost or stolen items, arranging medical transportation and arranging an emergency cash advance.

Additional coverage can be purchased during a trip

Another advantage of choosing World Nomads is that if you decide to extend your vacation mid-trip, you can buy additional coverage.

World Nomads policies can cover getaways of up to 180 days. However, if your coverage expires during your trip, you can log onto the World Nomads site and purchase a new policy.

Verify all policy documents the company sends by email as they contain important information regarding waiting periods, conditions and restrictions that may apply.

Cons explained

Just as World Nomads trip insurance has positive features, there are some drawbacks.

World Nomads considers any illness, disease or other condition you’ve had within the past 90 days a pre-existing medical condition. These are not eligible for medical expenses, trip interruption, trip cancellation and accidental death and dismemberment coverage.

World Nomads defines a pre-existing condition as one you’ve:

• Shown symptoms of
• Been tested or treated for
• Been recommended to get a test for
• Received a prescription for

Note that many travel insurers do not underwrite pre-existing conditions. However, some offer a pre-existing condition exclusion waiver if you purchase a policy within a set number of days of making the first payment towards your trip.

Travelers aged 70+ can’t purchase coverage through World Nomads

World Nomads does not insure U.S. travelers that are age 70 or older. But residents of some countries will find other age limits. For example, Canadian travelers must be under age 66 to purchase coverage, and residents from the United Kingdom must be under 65.

No ‘Cancel for Any Reason’ upgrade

Worlds Nomads Travel Insurance doesn’t offer a “Cancel for Any Reason” (CFAR) coverage. This optional add-on is offered by some insurers and it allows you to cancel your trip for any reason, even if it’s not covered in the main policy. CFAR coverage usually provides a refund of up to 75% of your non-refundable trip costs.

World Nomads Travel Insurance Plans

World Nomads Travel Insurance offers two plans, Standard and Explorer. Both plans are similar, but the Explorer plan offers higher coverage limits.

Plans are available for international or domestic travel. If you are purchasing coverage for a domestic trip, you will not be covered unless your destination is over 100 miles away from your home.

Standard Plan

The Standard plan is quite comprehensive, covering trip interruptions and delays, medical expenses, accidental death and dismemberment and more. Some of the plan’s benefit limits include:

• $2,500 for Trip Cancellations
• $100,000 for Medical Expenses
• $300,000 for Emergency Evacuations

This plan also insures baggage, gear and personal effects up to $1,000. Keep in mind that it covers activities and sports that most other insurance companies don’t, such as backpacking, sailing, golfing and more.

Explorer Plan

The Explorer plan covers everything the Standard plan does, but also offers more benefits and higher coverage caps.

Although the Standard plan covers numerous sports and adventures, the Explorer plan is the best option for travelers participating in higher-risk activities, such as hot air ballooning and skydiving. The plan also includes rental car coverage except for residents of Texas or New York.

Here are some of the plan’s benefit limit:

• $10,000 for Trip Cancellations
• $100,00 for Medical Expenses
• $3,000 for Baggage Delays and Personal Effects
• $500,000 for Emergency Evacuations

World Nomads Travel Insurance Pricing

To get a cost estimate for your policy, visit the World Nomads website and request a free quote. Policy prices vary depending on the state of residence and age of the travelers, the dates and destination of your trip and other factors.

World Nomads Travel Insurance Financial Stability

Policies offered by World Nomads Travel Insurance are underwritten by Nationwide Mutual Insurance Company. This means that Nationwide assumes the financial responsibility of paying out the claims. Nationwide Mutual Insurance and World Nomads have an A+ and A- AM Best Financial Strength Rating, respectively.

World Nomads Travel Insurance Accessibility

Availability.

World Nomads Travel Insurance policies are available to residents of all 50 states and over 140 countries.

Contact information

There are several ways you can contact the company’s support team.

For general inquiries about policies, visit the website and fill out a form on the Contact Us page .

For toll-free emergency assistance in the U.S. or Canada, the World Nomads Travel Insurance phone number is (877) 289-0968. For emergency assistance outside of the U.S. and Canada, World Nomads offers a collect number at (954) 334-8143.

You can also email the company at [email protected].

User experience

The company website is easy to navigate overall, including easy-to-follow information regarding benefits and limits. You can also find a detailed list of the numerous sport activities the company covers with each of its plans.

World Nomads Travel Insurance Customer Satisfaction

World Nomads has a poor customer rating of 1.08 out of 5 stars on the Better Business Bureau (BBB). However, the company has received only nine complaints in the past year and the company has answered most of them.

On third-party review sites, some users have complained about the claims process and not being covered for certain activities. To prevent these situations, read your policy carefully or talk to a customer service representative to avoid denied claims.

World Nomads Travel Insurance FAQ

Is world nomads a good travel insurance company, what doesn't world nomads travel insurance cover.

World Nomads policies don't cover pre-existing conditions, routine physicals, non-urgent medical treatments and pregnancy-related expenses.

How do I sign up for World Nomads Travel Insurance?

How do i make a travel insurance claim with world nomads, how we evaluated world nomads travel insurance.

To evaluate World Nomads Travel Insurance, we considered its website accessibility, policies, support options, financial stability and customer reviews. We also compared it to other companies in the travel insurance industry.

Summary of Money’s World Nomads Travel Insurance Review

World Nomads Travel Insurance offers comprehensive policies specifically designed for adventure seekers.

The company has two insurance plans, each one covering trip delays and cancellations, emergency medical expenses, baggage and more. What makes these policies stand out is its coverage for over 150 sports and activities, like hiking, snowboarding, scuba diving and skiing. Other travel insurance providers typically shy away from providing sports coverage, and if they do, it’s at an additional cost.

Before purchasing a policy from World Nomads or any other insurer, check that the activities you’re planning for your trip are covered and be aware of any restrictions.

© Copyright 2023 Money Group, LLC . All Rights Reserved.

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World Nomads Travel Insurance Review 2024

Updated: Jan 8, 2024, 12:05pm

Vacationers with a thirst for adventurous activities like mountain biking, skydiving and heli-skiing should take a look at World Nomads’ Standard and Explorer plans. While most travel insurance companies won’t insure these types of activities, World Nomads covers more than 250. With that in mind, we’ve created a breakdown of what they can offer those who have a thirst for adventure.

• Covers activities many insurers will not, such as scuba diving, rock climbing and skydiving.
• $500,000 in coverage for emergency medical evacuation available with both plans.
• 24/7 travel assistance hotline.
• Coverage for sporting equipment theft or loss with both plans.
• No option to purchase “cancel for any reason” coverage.
• No coverage starting at age 66.
• Lower trip cancellation/interruption maximums compared to other plans.
• Some riskier activities, such as high altitude expeditions, not covered.

Table of Contents

About world nomads travel insurance, world nomads travel insurance plans, summary: world nomads’ standard plan vs. explorer plan, world nomads travel insurance cost, does world nomads travel insurance have 24/7 travel assistance, does world nomads cover pre-existing conditions, does world nomads offer “cancel for any reason” coverage, what type of activities does world nomads cover, what’s not covered, how to file a claim with world nomads travel insurance.

When searching for good travel insurance plans, you want to find a policy that covers the types of activities you plan on doing during your trip. World Nomads has been selling travel insurance since 2002 and is underwritten by AIG Insurance Company in Canada. Their plans provide comprehensive travel insurance coverage with the explorer and thrill-seeker in mind.

Here are the key types of travel insurance coverage offered in World Nomad plans:

• Trip cancellation insurance:  If you cancel a trip for a reason listed in your policy, trip cancellation insurance can reimburse you 100% for prepaid, non-refundable costs.
• Travel medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Emergency medical evacuation: If you are injured or ill during your trip and need to be transported, emergency medical evacuation insurance pays for your medical evacuation (medevac) to the closest medical facility that can treat your condition. World Nomad’s emergency assistance team can also arrange for the transportation.
• Travel delay insurance:  If your trip is delayed due to a reason covered in your plan, travel delay insurance reimburses for extra costs, such as a hotel room for an overnight delay, up to the amount specified in your policy.
• Travel interruption insurance:  Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose by cutting a trip short, such as non-refundable activities and hotel stays.
• Baggage and personal effects:  Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of necessities you buy to tide you over. It also extends to your personal belongings, if lost, damaged or stolen. Some exclusions apply, so check your policy to see what’s covered.

World Nomads offers travelers two types of plans: The Standard and Explorer.

Standard Plan

This is a budget-friendly plan that offers pre-and post-departure coverages such as trip cancellation, trip delay, trip interruption, emergency evacuation, emergency medical insurance and baggage and personal effects coverage. It also provides emergency medical assistance and evacuation if you’re injured while participating in high-risk activities such as parasailing, mountain biking or bungee jumping.

Explorer Plan

This travel insurance plan includes all the coverages found in the Standard plan, but it comes with higher coverage limits. For example, emergency medical expenses increases from $5 million to $10 million, trip cancellation from $2,500 to $5,000 and sporting equipment theft or loss from $1,000 to $2,500.

Here’s a comparison of the Standard plan and the Explorer plan and how much coverage you’ll receive with each.

The amount you’ll pay for World Nomads travel insurance will vary depending on your destination, age of travellers, where you reside, cost of trip and other factors.

However, to give you an idea of how much you could pay for a policy, here are a few examples of quotes comparing the Standard plan to the Explorer plan for three different scenarios of travellers from Ontario.

Keep in mind that you must be less than 66 years old when you purchase your policy.

World Nomads travel insurance plans include 24/7 travel assistance. This hotline offers assistance such as:

• Emergency and after-hours travel services.
• Rebooking flights.
• Hotel reservations.
• Ground transportation.
• Luggage tracking.
• Lost/stolen credit card replacement.

There’s also a 24/7 security assistance hotline offering assistance during minor security incidents and life-threatening events, including:

• Secure evacuation assistance.
• Security and safety advisories, global risk analysis and specialist consultations.
• Urgent message alerts.
• 24/7/365 incident response services to assist customers and their families.

You’ll need your policy number, a contact number for where you are at the time of the call, the nature of the problem, our location and prescribed medication, if any.

The assistance team at Travel Guard can be reached by phone collect from anywhere outside Canada and the continental U.S. at +1-416-646.3723 or email at [email protected].

World Nomads also provides support for the fun parts of travel, too. Say you need help planning your next day’s excursion. You can contact its 24/7 Adventure Traveller’s Hotline for:

• Weather reports and travel advisories
• Assistance locating the nearest crag, white-water or trail
• Information on access issues
• Construction and detour information
• Locations of nearby gear shops, guides and outfitters

World Nomads has strict stipulations around coverage for pre-existing medical or dental conditions. The company defines pre-existing conditions as those you have shown symptoms of, had sought or received medical treatment for, or have received a prescription for (or changed your type, usage or dosage) for a specified number of days prior to your policy’s effective date.

However, in some cases a stable pre-existing condition treated by prescription medicine may be covered. If you are taking a prescription for a pre-existing condition that is treated or controlled solely by prescription drugs and there has been no adjustment to the prescription for a specified number of days prior to your policy’s effective date, World Nomads’ definition of pre-existing condition will not apply.

The time period for pre-existing conditions depends on your age. For example, for age 0 to 49, World Nomads will not cover any loss or expense related to your medical condition if it was not stable or controlled in the 90-day period prior to your policy’s effective date. For ages 50 to 59, that time period is 180 days and for ages 60 to 65, that time period is 270 days.

Also, World Nomads will not extend coverage if you’ve been prescribed to take nitroglycerin for a heart condition more than once in seven days, or if you’ve had to take oral steroids, such as prednisone, for a lung condition.

World Nomads does not offer cancel for any reason insurance (also known as CFAR).

Most travel insurance companies tend to exclude coverage for dangerous activities like skydiving and kickboxing. But World Nomads covers more than 250 types of adventurous activities, depending on your plan.

There’s a distinction between activities included for all plans (meaning both the Standard and Explorer plans) and optional extras for snow, water, air, land, sports and experience activities. For example:

Activities for all include:

• Glacier walking
• Indoor ice skating
• Horse-drawn sleigh rides
• Kite surfing
• Sailing/Yachting
• Snorkelling
• Speed boating
• Water skiing/wakeboarding
• Aerial safari
• Bungee jumping
• Canyon swing
• Fly by wire
• Hot air ballooning
• Camel ride or trekking overnight.
• Camping up to 4,500 metres.
• Caving/spelunking
• Cycling/mountain biking up to 6,000 metres.
• Rock climbing/bouldering
• Stilt walking

Optional extras include:

• Skiing/snowboarding (resort)
• Cross country skiing
• Heli or cat skiing/snowboarding
• Snowmobiling
• Black water rafting
• Fishing/angling
• Free diving up to 50 metres
• Kite boarding
• Parasailing
• Scuba diving to 50 metres
• Shark cage diving to 50 metres.
• White water rafting
• Abseiling/rapelling
• Parachuting/parasailing
• Backpacking up to 6,000 metres.
• Cycling/biking on independent cycle tour.
• Trekking up to 6,000 metres.

Each adventure sport, activity and experience is assigned either a Level 1, Level 2 or Level 3. Level 1 is automatically included while Level 2 and Level 3 require an extra premium due to the perceived higher risk. For example, abseiling or repelling is a Level 3 sport.

Even with the plethora of activities that World Nomads covers, there’s a lengthy list of general exclusions that apply to your coverage. For example, the following activities are not covered by your policy:

• Any injury or sickness that occurs in the 48 hours after your departure date.
• Pre-existing conditions that don’t mean the stability criteria.
• Non-emergency medical treatment or surgery.
• Travelling for the purpose of medical treatment.
• Pregnancy or childbirth.
• Any alcohol-related sickness, injury or death.
• Competing at international events as a national representative.
• Participation in extreme sports.
• Participation as a professional athlete.
• Martial arts competitions or bouts.
• Flying as a pilot or crew of any aircraft.
• Any search and rescue operations or costs.
• Intentionally harming yourself, suicide or attempted suicide.
• Cancellations due to war, civil war, acts of foreign enemies, or civil unrest.
• Travel in, to or through Iran, Syria, North Korea or the Crimea region.

Under the adventure sports coverage, there are also some exclusions for certain sports or activities that are not covered. For example, the following activities are not covered:

• Backpacking over 6,000 metres.
• BASE jumping
• Big game hunting
• Bull riding
• Cavern diving to 40 metres.
• Cliff diving
• Crewing of a vessel less than 60 miles from a safe haven.
• Crewing of a vessel more than 60 miles from a safe haven.
• Crewing on a cruise ship.
• Cycling over 6,000 metres in elevation.
• Deep water soloing
• Expeditions, including any activity over 6,000 metres, any activity that is unsupported, exploratory or establishes new routes, any activity in remote or inaccessible regions, or activities in the Arctic Circle, Antarctic or Greenland without a licensed tour operator and guide.
• Extreme pursuits
• Flying as a passenger while stunt flying.
• Free diving
• Free soloing
• High altitude climbing, mountaineering or expeditions over 6,000 metres.
• Hiking over 6,000 metres.
• Horse riding (bare back, polo or rodeo only).
• Martial arts (cage fighting, mixed martial arts, kick boxing and Muay Thai).
• Mongol Rally
• Motor racing (driver or passenger in a motor sport show, race, competition or rally).
• Mountain biking over 6,000 metres.
• Mountain guide (mountaineering, rock climbing instructor or guide using ropes or specialist equipment.)
• Parachuting more than once. (One jump is included.)
• Power lifting
• Rickshaw Run
• Rock climbing, outdoor, over 6,000 metres.
• Rock fishing
• Running (ultramarathon)
• Running of the bulls.
• Scrambling over 6,000 metres
• Scuba diving over 40 metres
• Skydiving more than once. (One jump is included.)
• Snowmobiling on frozen lakes and rivers.
• Speed flying
• Speed trials
• Stunt flying
• Tandem skydiving more than one. (One jump is included.)
• Tramping over 6,000 metres.
• Trekking over 6,000 metres.
• Triathlon, ultra-distance or more.
• Wingsuit flying
• Yungus Road (Death Road).

There are additional special conditions, such as:

• You must be with a professional, qualified and licensed guide, instructor or operator.
• You must have the appropriate certification or licence to do this sport at home.

It’s a good idea to talk with your travel insurance agent before you participate in certain activities so you’re aware of what isn’t covered.

Like most travel insurers, World Nomads has a list of conditions that make you ineligible for any coverage, including:

• A licensed physician has diagnosed you with a terminal condition.
• You have undergone a bone marrow transplant or an organ transplant that requires anti-rejection or immune suppression drugs. (An exception to this rule is corneal transplantation.)
• You require dialysis for any type of kidney disease.
• In the last 12 months, you have been prescribed or utilized home oxygen therapy at any time.

You can file a claim online 24/7 by logging into your account on the World Nomads website. Once you answer a few questions about your claim, you’ll need to provide your supporting documentation. After the claim is submitted, you will receive an email confirmation. Claims can take up to 10 business days to do an initial review and may take longer if required documents are needed to process your claim.

World Nomads Travel Insurance FAQs

Does world nomads pay for medical costs upfront.

In the case of an emergency, say you’re hospitalized and require surgery, World Nomads will pay your medical expenses upfront as long as you (or someone acting on your behalf) contact the 24/7 Emergency Assistance team for approval and the issue is covered by your policy.

If you don’t contact World Nomads before seeking medical attention, emergency evacuation or repatriation, you may be responsible for 30% of medical expenses incurred.

Does World Nomads cover COVID-19?

World Nomads may provide reimbursement for claims arising from COVID-19. For example, if you contract COVID-19 while travelling, you may be eligible for benefits under the trip cancellation, trip interruption and trip delay sections of the policy. You may also be eligible for benefits under the emergency medical coverage section of your policy.

However, as pandemic regulations continue to evolve, if you’re concerned about coverage for COVID-19, it’s best to check your coverage limits with your insurance agent when you’re buying your policy.

Does World Nomads offer coverage extensions?

If you’re travelling and you’d like to stay a little longer, you can extend your travel insurance coverage as long as your policy has not yet expired and you have not yet made a claim. You need to log on to your account and change the end date of your policy up until 24 hours before expiry.

If you’re hospitalized on your scheduled return date, your coverage will automatically be extended at no additional cost for the period of hospitalization and up to seven days after discharge. If you’re unable to travel due to a medical condition, but you’re not hospitalized, your coverage will automatically be extended for seven days after your scheduled return date. Coverage is also automatically extended for up to 72 hours if there is a flight delay.

Ashley is a personal finance writer and content creator. In addition to being a contributing writer at Forbes, she writes for solo entrepreneurs as well as for Fortune 500 companies. Through her financial expertise, she provides millennials and young professionals the tools and resources they need to better manage their finances.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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• World Nomads Travel Insurance Review

World Nomads travel insurance is administered by Trip Mate and underwritten by Nationwide Mutual Insurance Company. Together, these companies have come together to provide Americans with comprehensive travel insurance that appeals to travelers with a sense of adventure.

The company is endorsed by several of the country’s leading travel authorities, including Lonely Planet and STA Travel.

World Nomads is a socially conscious company that promotes responsible and respectful travel and supports several charities in third-world countries through member donations and sponsorships.

In addition to travel insurance, World Nomads has created a complete information database for travelers that includes destination guides, travel films, podcasts, and travel stories.

The company also provides scholarships to further the education of young people who are embarking on a career in travel photography, film, or writing.

The “Ask a Nomad” section on World Nomads’ website works as a social media channel, so travelers connect with like-minded individuals who are interested in similar destinations and experiences.

How Does World Nomads Travel Insurance Work?

World Nomads was founded in 2002 and has since become a leader in the travel insurance industry. Its extensive list of coverage inclusions makes it a popular choice among young overseas travelers and backpackers.

Unlike many of its competitors, the company includes coverage for accidents that are the result of adventure and sports activities, and non-medical emergency evacuation coverage that takes care of the cost of transportation when travelers are required to evacuate after events such a natural disaster or terrorism.

World Nomads also provides all members with unlimited access to its One Call 24-Hour Customer Assistance line, which customers can access for medical, legal, and travel advice and assistance

Get Rates With World Nomads Now!

World Nomads Travel Insurance Coverage & Plans

World Nomads offers two travel insurance plans to its members. Both options include comprehensive coverage that is ideal for travelers embarking on vacations both domestically and overseas.

The company tends to appeal to young, single travelers and backpackers by including adventure and sports activities coverage in both of its plans.

World Nomads trip insurance plans include the following coverage:

• Comprehensive
• Trip cancellation/interruption
• Lost/stolen baggage
• Accidental death and dismemberment

While coverage offered by World Nomads on both of its plan options is quite comprehensive, the number of options it offers to its members is limited.

Some of World Nomads’ biggest competitors offer far more plan options to consumers in order to allow travelers to choose the insurance plan that suits their needs best.

World Nomads tends to cater to a more specific type of traveler, and the company has done a good job of targeting its niche by offering extensive coverage inclusions that overseas travelers can appreciate, such as non-medical evacuation and adventure and sports medical coverage.

World Nomads Standard Plan

Ideal for travelers looking for an economical yet extensive insurance option, the Standard Plan provides members with a full range of coverage including:

• Emergency medical
• Emergency and non-emergency evacuation and medical transportation
• Lost baggage
• Trip interruption and cancellation

Members under this plan also receive access to the company’s One Call 24-Hour Assistance Service, which provides a wide range of services including medical assistance, legal assistance, travel services, prescription assistance, messaging services, and emergency cash transfer.

World Nomads Explorer Plan

The World Nomads Explorer Plan provides members with everything the Standard Plan includes along with the added benefit of rental car damage insurance.

Additionally, limits under this plan are higher and, in some cases, twice as high as what’s offered under the Standard Plan.

This is the best plan for those who are planning long overseas trips.

World Nomads Plan Limits

While the travel insurance World Nomads offers to its members is fairly inclusive, it’s important to keep in mind that in most cases, pre-existing medical conditions aren’t covered under either plan.

How Much Does World Nomads Travel Insurance Cost?

When budgeting for travel insurance, it’s best to plan on spending between 4 to 8 percent of the total trip cost. Of course, it’s important to keep in mind that travel insurance premiums are calculated by taking many factors into account including the traveler’s age, family members on the policy, the destination, and dates traveling.

Each company has its own unique calculation that’s used to determine premiums, and therefore, quotes may vary when looking at several travel insurance providers .

In order to receive an exact quote on the rates offered by World Nomads travel insurance, it’s best to contact the company directly or use its online quote calculator using the specific details of your trip.

When compared against its competitors, World Nomads trip insurance appears to offer competitive rates for its plans . Of course, it’s important to consider more than just the cost.

Coverage and customer service are important elements to focus on as well. A well-rounded insurance company offers comprehensive coverage, efficient customer service, and affordable rates to provide its customers with the best possible value.

World Nomads Travel Insurance Reviews & Reputation

World Nomads travel insurance reviews across the web indicate that overall, current and former policyholders are satisfied with the coverage and service they’ve received from the company.

Positive reviews found on Trustpilot describe customer service provided by World Nomads agents as friendly and personable, and the claims process as simple with quick turnaround times.

Although World Nomads doesn’t hold BBB accreditation, the company closely monitors ratings and reviews it receives on Trustpilot, where it has a TrustScore of 5.1 out of 10, which is below many of its competitors’ scores.

Recent issues mentioned by customers include long wait times when calling into the company’s 24-hour service line and technical difficulties with the company’s mobile app and website portal.

World Nomads appears to respond to every review posted by its customers, whether positive or negative.

Customer Assistance Services

World Nomads is a leader when it comes to the digital experience it offers to its consumers.

The company has a secure online portal that allows members to file claims, manage policies, and access 24/7 customer support. Similar functionality is provided by the World Nomads mobile app, which is available for iOS and Android devices.

In addition to a fantastic digital experience, World Nomads members have access to the One Call Worldwide Travel Services network, which is a 24-hour customer service and emergency assistance hotline.

In the travel insurance industry, providing 24/7 access to customer support and emergency assistance is crucial, and it’s features like this that make World Nomads an industry leader.

When travelers require claims assistance and support, it’s often urgent and in a different time zone as the call center. That’s why it’s crucial that insurance providers offer 24-hour customer service to their policyholders.

World Nomads Travel Insurance Financial Stability

Looking for the right travel insurance provider means conducting thorough research about a company’s coverage, costs, customer service, and perhaps most importantly, financial stability. A company’s finances can provide consumers with insight into a company’s ability to follow through with its promises.

Customers who purchase insurance from a company without a strong financial profile run the risk of filing claims that aren’t paid out on time or even at all.

Independent rating agencies such as Standard and Poor’s, Moody’s, and A.M. Best provide consumers with detailed credit ratings for insurance providers and other businesses.

Nationwide Mutual Insurance Company, which provides underwriting services for World Nomads, has an A+ financial strength rating from both Moody’s and A.M. Best.

A rating of A+ indicates that the company’s financial performance is strong with a generally positive outlook. It also suggests to consumers that the company can pay out claims and refund cancellations whenever appropriate.

When compared with many other insurance providers, Worlds Nomads’ financial profile is stable.

World Nomads Travel Insurance Phone Number & Contact Information

• Homepage URL: http://www.worldnomads.com
• Provider Phone: 1-844-207-1930
• Headquarters Address: 520 3rd Street, Suite 201, Oakland, CA 94607
• Year Founded: 2002

Additional Providers

There are several other travel insurance providers that deserve consideration as well which you can see in our Best Travel Insurance Companies article.

These companies didn’t make our list of top providers but we have created some more detailed reviews  that you can view below:

• Allianz Travel Insurance Review
• Aon Travel Insurance Review
• Carnival Travel Insurance Review
• Chubb Travel Insurance Review
• CSA Travel Insurance Review
• Expedia Travel Insurance Review
• Hotwire Travel Insurance Review
• IMG Travel Insurance Review
• InsureMyTrip Travel Insurance Review
• JetBlue Travel Insurance Review
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• Medjet Medical Transport Insurance Review
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World Nomads Travel Insurance Review | 2024

Looking to protect your next vacation? See if World Nomads is a good choice by getting a quote below.

Charlotte Armitage is a copywriter and content manager writing for brands primarily in the travel and recruitment industries. Writing is a major hobby as well as an occupation, but she also spends her time reading, dancing and bouldering.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

World Nomads travel insurance offers financial protection in case of unexpected trip cancellation or medical accident abroad. It offers competitive coverage limits and some plans designed for travelers participating in extreme sports or other adventurous activities.

In this article, we at the MarketWatch Guides team will review coverage options, costs, customer reviews and more for World Nomads. We’ll also compare the provider to our picks for the best travel insurance companies to help you decide on a policy that fits your needs.

• Average Cost: $161
• BBB Rating: F
• AM Best Score: A-
• Medical Expense Max: $100,000
• Emergency Evacuation Max: $500,000

Our Take on World Nomads

We awarded World Nomads 3.9 out of 5 stars overall based on our provider review methodology, naming it our pick for adventure travelers. It has the lowest average cost of the 21 providers we gathered quotes from while providing high coverage limits for baggage and travel delays.

However, World Nomads does not offer cancel for any reason (CFAR) coverage like most other companies we’ve reviewed, which allows you to cancel your trip for reasons other than those listed in your policy. It also holds an F rating from the Better Business Bureau (BBB), which resulted in a lower score in the customer service and reviews section of our methodology. We reached out to the company for a comment on its rating but did not receive a response.

Pros and Cons

How world nomads scored in our methodology.

Based on our travel insurance methodology, World Nomads scored 3.9 out of 5 stars in our review. It earned maximum points for coverage details and delay coverage amount in our review, but lost points in every other ratings category.

World Nomads Travel Insurance Overview

World Nomads is a modern travel insurance provider that has been operating since 2002 and specializes in offering travel insurance policies for a range of vacations and excursions. It also offers travel safety advice and destination guides, and it promotes responsible travel practices.

We rate World Nomads as a good travel insurance company for adventurous travelers in particular. The company’s delay, cancellation and interruption coverage limits are highly competitive, and its travel insurance plans are designed for the vacationer who enjoys an adventurous trip that involves any kind of extreme sport.

Compare World Nomads to the Competition

See the table below for a direct comparison of average plan costs, BBB ratings, CFAR coverage limits and COVID-19 coverage between World Nomads and its competitors.

World Nomads vs Allianz

World Nomads and Allianz Global Assistance both do not offer CFAR coverage, which may be a dealbreaker for travelers foreseeing a change of travel plans.

We found the main differences between World Nomads and Allianz based on our review of customer service and cost. At $265, the average cost of a travel insurance policy with Allianz is over 64% more than the average cost of a World Nomads policy. 

Even so, some travelers may feel Allianz’s A+ rating and accreditation with the BBB offsets the high costs associated with its plans. Allianz also offers a mobile app and more than three ways to file a claim, which World Nomads lacks.

See the table below for a direct comparison between popular plans offered by World Nomads and Allianz.

Learn more about Allianz by reading our Allianz travel insurance review .

World Nomads vs Seven Corners

World Nomads and Seven Corners share few similarities. According to quotes gathered by our team, Seven Corners is, on average, 34% more expensive than the average World Nomads plan. World Nomads also offers more coverage for lost luggage, trip and baggage delays.

However, Seven Corners’ most comprehensive plan provides markedly better medical coverage than the World Nomads equivalent. It also offers double the amount World Nomads provides for emergency evacuation and repatriation of remains and five times the amount for medical expenses. Both insurance companies also offer two ways to file a claim.

The table below highlights key differences between popular plans offered by World Nomads and Seven Corners.

Take a closer look at Seven Corners in our review .

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

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Rating Factors

What Does World Nomads Travel Insurance Cover?

World Nomads offers two insurance plans: Standard and Explorer. You can customize either plan to cover specific activities for your vacation, and each policy includes coverage for medical expenses , emergency assistance and personal effects.

The Standard Plan from World Nomads includes:

• $2,500 for trip cancellation or interruption
• $500 a day for trip or travel delays
• $750 for baggage delay
• $1,000 in baggage and personal effects coverage
• $100,000 for medical accidents and sickness
• $300,000 for emergency medical evacuation
• $25,000 non-medical emergency transportation, such as a natural disaster
• $5,000 for death and dismemberment on a trip

What sets World Nomads travel insurance apart from other insurers is the large number of adventure sports and activities that its basic coverage includes. In the Standard Plan, activities and extreme sports like bungee jumping, indoor skydiving, biking trips, resort skiing and windsurfing are all covered. More dangerous activities like scuba diving, hot-air ballooning and alpine ski touring are covered in the Explorer Plan.

Optional Riders

A rider is the official insurance term for “add-on.” You can buy one or more riders to attach to the travel insurance policy that you like, creating a personalized plan for your trip.

But World Nomads offers almost no add-ons. That’s because either of the two plans it sells already provides coverage for things that other insurers don’t as part of their base policies. The only extra coverage option you have is a rental car damage rider, and it is only offered with the more comprehensive Explorer plan.

However, you can extend your coverage during a trip, a benefit most travel insurance companies don’t have.

Policies Offered

Here’s a breakdown of the basic coverage options for the World Nomads Explorer Plan and Standard Plan.

Cost of World Nomads Travel Insurance

According to our research, the average travel insurance plan with World Nomads costs $161. However, a solo traveler policy is much lower at $74 for the Standard plan and $116 for the Explorer plan.

When you buy travel insurance, the cost of the plan depends on a variety of factors, including whether you want coverage for dangerous locations or activities. Things like the age and health conditions of the people on the trip affect the price, especially if someone has pre-existing medical conditions.

World Nomads is known for having cost-effective travel insurance coverage , especially given the number of sports and activities covered in its two plans.

Quotes accurate as of December 2023.

Read More: Travel Insurance For Parents Visiting The United States

Does World Nomads Offer 24/7 Travel Assistance?

World Nomads offers clients 24/7 travel assistance when they purchase any insurance plan. Provided by Generali Global Assistance 365 days a year, it gives customers access to professional help and advice for any emergency while they’re on vacation.

The toll-free number for this service is +1-877-289-0968, which can be accessed from the U.S. and Canada. The collect worldwide number is +1-954-334-8143.

You can also contact the service by emailing [email protected].

World Nomads Customer Reviews

Customer reviews and ratings can help indicate the level of service a travel insurance company offers its policyholders. At the time of this writing, World Nomads held a 1 out of 5 star rating with the BBB and a 3.3 out of 5 stars rating on Trustpilot. 

To learn what customers like and dislike about World Nomads, we read dozens of customer reviews on the BBB and Trustpilot from recent months. Here are some common themes we found in our search:

What Customers Like

• Reasonably priced: Recent policyholders comment on receiving comprehensive coverage at a competitive price.
• Easy-to-navigate website: Users, including this reviewer , compliment how easy it is to navigate the World Nomads’ webpage and get a quote.
• Clear policy details: Reviewers note that World Nomads explained their purchased policies in great detail, making coverage easy to understand.

What Customers Don’t Like

• Slow claims process: This reviewer , amongst others, stated that they’ve spent months trying to resolve a claim with World Nomads.
• Excessive documentation requests: Many customers, such as this one , complain about the documentation World Nomad asks for during the claims process, stating that it’s more of an ask than with other travel insurers.
• Legitimate claims denied: Policyholders like this one felt their claims were denied when World Nomads should have provided coverage according to their contract.

We reached out to World Nomads for comment on its negative customer reviews but did not receive a response.

How To File a Claim with World Nomads

You can file a claim with World Nomads online on the World Nomads website . To complete the claim process, you need your policy number and copies of any relevant documents for things like a police report, medical insurance, credit card bills and emergency medical or dental records. The company promises to send you regular email updates about the progress of your trip insurance claim.

Is World Nomads Worth It?

Coverage from World Nomads may be worth it if you’re an adventurer looking for travel insurance on a budget. Policies cover a wide range of extreme sports and outdoor activities that other providers exclude. It also offers high coverage limits for baggage and travel delays.

However, World Nomads does not offer CFAR coverage, which is typically available through most other insurance providers. It also has lower-than-average customer review ratings and an F rating with the BBB. While our analysis of customer reviews suggests issues with claims processing and the company’s overall customer service, your individual experience may vary. We encourage you to consider what’s important to you in a travel insurance company before settling on a provider.

Frequently Asked Questions

Does world nomads cover canceled flights.

World Nomads Standard and Explorer plans both cover some instances where flights are delayed, missed or canceled. However, exclusions will apply depending on the situation, and the amount of compensation you receive will depend on whether an alternative flight was offered, the impact on the rest of your trip and the reason for the cancellation.

Can I extend my World Nomads travel insurance?

Yes, you can extend a World Nomads travel insurance policy while in the middle of your vacation. This comes in handy if you want to stay somewhere for longer than planned. All you have to do is buy a new policy from the date your old one ends.

Is World Nomads refundable?

Yes, you can get a full refund on your World Nomads travel insurance policy if you cancel it within 14 days of purchase. This is only valid if you haven’t already started your insured trip and you’re not making a claim.

What are the levels of World Nomads?

World Nomads offers two travel insurance plans: Standard and Explorer. The Standard Plan has lower coverage limits for things like medical treatment, baggage delay and trip interruption, but it covers many sports and activities. The Explorer Plan has higher limits and covers an extensive range of extreme or dangerous vacation activities.

Other Insurance Resources From MarketWatch Guides 

Read our comprehensive guides on the following insurance categories to find top providers and peace of mind that you have all aspects of life covered.

• Leading Pet Insurance Companies
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Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

More Travel Insurance Reviews:

• Types of Policies Offered

World Nomads Travel Insurance Cost

Compare world nomads travel insurance, how we review travel insurance, world nomads travel insurance review 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

If you're looking for travel insurance that allows you to confidently participate in a wide range of sports and adventure activities around the world, then World Nomads might be right for you. The company's policies cover travel to almost anywhere on the globe and are available to residents of nearly every country. 

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance Review: Types of Policies Offered

World Nomads has two basic policies: Standard and Explorer. Each covers essentially the same things, but Explorer has higher amounts that World Nomads is willing to pay out for claims. The company's policies cover more than 150 specific activities. These range from bungee jumping and rock climbing to hang gliding and hot-air ballooning. You can see the full list on the company's website.

Additional Coverage Options (Riders)

One of the most common upgraded features of a travel insurance policy is cancel for any reason (CFAR) , where you really can cancel for reason beyond what's in a standard policy. This is not available on every policy, but it is often a feature that travelers are looking for while shopping for travel insurance before their trip. At this time, World Nomads doesn't offer CFAR coverage.

At the time of this review, World Nomads also offers sports equipment coverage. In February of 2022, it expanded coverage to include more than 150 sports and activities including Pickleball and FootGolf. So, as you can imagine, plans with sports coverage will cover virtually any sport you might play.

World Nomads' standard plan is $79. It's a great option for travelers who don't care about some of the extra benefits that the Explorer package covers, like rental car coverage and extreme adventure sports. 

If you're looking to have a more comprehensive travel insurance policy, look into World Nomads' Explorer plan for $120. It includes all of the standard package perks as well as extra sports like skydiving, scuba diving, and heli-skiing. 

This is a perfect package for someone who's a little more dare-devilish and wants to be taken care of during their risky activities. 

How to File A Claim with World Nomad Travel Insurance

You can start an insurance claim by filing it on the company's website. 

You can call toll-free in the US and Canada if you need to reach the company in an emergency at: (877) 289-0968.

Callers from outside the US and Canada can reach the company at: (954)-334-8143.

The email address is: [email protected]

You'll need to have the following ready to file a claim:

• Your policy number
• A contact number
• The nature of your problem
• Your location
• Prescribed medication (if any)

See how World Nomads stacks up against the competition. 

World Nomads Travel Insurance vs. Allianz Travel Insurance

Allianz is a strong competitor against World Nomads, especially for travelers looking for a more business-oriented option. The co many has been in business for more than 120 years and offers a wide range of insurance, not just travel-related, around the world. A key difference between World Nomads and Allianz is that Allianz offers travel insurance that can cover multiple trips in the same year. You can take an unlimited number of trips within the same calendar year, but you do have to double-check that all of your destinations are covered by the policy you select. 

Another difference is that Allianz offers coverage for pre-existing medical conditions. World Nomads doesn't have the same coverage, requiring that the pre-existing condition is fully stable in order for limited coverage with respect to trip cancellations or having to end a trip early. 

Allianz Travel Insurance Review

World Nomads Travel Insurance vs. AIG Travel Guard

Travel Guard , a product backed by AIG Travel, is another potential alternative to World Nomads. AIG is a prominent player in the insurance industry, and the Travel Guard product represents true global coverage. 

Like World Nomads, Travel Guard does have coverage for pre-existing medical conditions, but there are conditions. This coverage is in the form of an exclusion waiver, and this add-on must be purchased within 15 days of the initial trip payment. 

Both travel insurance companies use a tiered approach, but Travel Guard has higher dollar amounts across the board. For example, trip cancellation for Travel Guard covers 100% of the trip cost, while with World Nomads the amount will depends on the tier of the coverage you purchase. Trip Interruption is also a fully covered event with Travel Guards. Depending on the plan selected, it will either cover 100% or 150% of the trip cost. 

If you're concerned about COVID-19 coverage with trip insurance, there's more coverage with World Nomads than Travel Guard. With Travel Guard, coverage for having to stay in a country past your original booking dates is an add-on, not a standard part of the policy. 

AIG Travel Insurance Review

Compare World Nomad vs. Credit Card Travel Insurance

If you already have a major credit card in your wallet, you most likely have some travel insurance benefits that come with it. These benefits do vary from card to card. Be sure to check your card's specific policies.

Not all credit cards will feature travel insurance protection. The ones that do may have specific limitations. For example, many credit cards with travel protection require that your airfare is paid for with the card in question for protections to take effect. 

Reimbursement isn't guaranteed. The credit cards do require that you file your claim and wait for a decision. 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 that have actually had to file claims. 

The more premium the credit card, the more likely expanded travel protections are part of its features. If you don't already have a premium credit card, it's better to get travel insurance. This is also the case if you have multiple trips planned. Some credit cards limit not just the total dollar amount, but the number of claims within a 12-month period.

Best Credit Cards with Travel Insurance

To prepare this review on World Nomads, we started by detailing the company's travel insurance offerings. Then we looked at the best travel insurance plans and compared them to World Nomads. We looked at things like typical policy costs, coverage options, available add-ons, what's covered, and claim limits.

World Nomads Travel Insurance FAQs

If you're based in the USA, Nationwide Mutual underwrites World Nomads policies. 

According to World Nomads' website, both families with kids and people up to age 70 qualify for coverage. 

Your World Nomads plan will cover emergency medical evacuation, including helicopter evacuation, if it's been recommended by a doctor.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

• Main content

World Nomads

Traveling is exciting, but it also comes with risks. World Nomads Travel Insurance understands this, and has designed insurance plans specifically for independent travelers and their families. Their coverage includes a range of benefits that help keep you and your family protected and your trip essentials covered.

World Nomads Travel Insurance: A Comprehensive Solution for Digital Nomads

One of the most notable features of World Nomads Travel Insurance is the ability to buy cover while traveling. This is ideal for digital nomads who are always on the move and may need to extend their trip. In addition, their 24/7 emergency assistance is available in multiple languages and can help connect you with medical treatment and transportation when you need it most.

World Nomads also covers over 200 adventure activities, so you can explore your boundaries while traveling. They also give back to local communities by connecting customers with charity projects in destinations with the greatest need.

The coverage benefits of World Nomads Travel Insurance include trip protection, emergency medical insurance, emergency evacuation, and protection for your gear. They also offer additional benefits such as trip cancellation and interruption, baggage and personal effects coverage, and accidental death and dismemberment.

World Nomads Travel Insurance Plans

World Nomads offer two types of insurance plans, the Standard Plan and the Explorer Plan. the main difference between these plans is the coverage limits.

For example:

• Explorer Plan: Unlimited
• Standard Plan:  $5,000
• Standard Plan:  $5,000,000
• Standard Plan:  $500,000
• Explorer Plan: $10,000
• Standard Plan:  $2,000

World Nomads Travel Insurance is an excellent solution for digital nomads who need coverage that is tailored to their unique lifestyle. With their comprehensive coverage and commitment to giving back to local communities, World Nomads is a great choice for those who want to travel smarter and safer.

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Co mpetitive rates, comprehensive coverage, easy to use online quoting and purchasing system, comprehensive coverage for medical expenses, trip cancellation, lost luggage, and more, variety of add-on options to customize your policy, easy to purchase and renew online, 24/7 customer support, peace of mind knowing that you are protected in the event of an emergency, financial assistance to help you get back on your feet if your trip is interrupted, reimbursement for lost or damaged luggage, access to a 24/7 customer support team, our partners also provide a variety of additional coverage options, such as travel delays,, emergency medical evacuation, and assistance in case of lost passport., to obtain a quote, simply click on the link of the plan you choose., you will receive a quote within minutes from the company you have selected., travel insurance.

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Short-term travel health insurance for individuals traveling outside of their home country

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Are you facing issues trying to obtain travel insurance in Canada or Australia ? 🤔 Stay calm – we've got you covered!

🚫 Canadian or Australian Territory Alert: 🍁 Due to Canadian or Australian regulations, it's not possible to get travel insurance from within the country.

Here are quick solutions:

1️⃣ Purchase on Arrival: No worries! Get travel insurance when you arrive at your first destination or if you've already crossed the border. Stay compliant with Canadian and Australian rules and enjoy coverage throughout your journey.

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3️⃣ In-Flight Insurance Purchase: Take advantage of in-flight internet services to buy travel insurance while airborne. If the airline offers internet access during the flight, you can conveniently secure coverage while cruising at altitude. Ensure a worry-free journey with coverage from takeoff to landing.

Adventure awaits! 🌐✈️

Health Insurance

Digital Nomads  Health Insurance

Student Secure

International student health insurance for students pursuing their education outside of their home country

USA Residents Only USA Residents Only

Disclaimers:

We receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is not a recommendation to buy travel insurance.

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

WorldTrips Producer Number: Alliance Parcel  28225-001

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Remote workers have found a haven in Spain’s capital—here are the top 10 places for digital nomads to tote their laptops

After lockdown, the world opened up for the lucky laptop workers. During the early pandemic, travel dipped as those who could stayed in and played increasingly tense board games with family members. And years after COVID-19 first hit, we’re still seeing the lasting effects of the short period when white-collar employees stayed at home and reimagined work. 

Known as digital nomads , these employees have leveraged the pandemic-associated rise in flexibility and taken their jobs on the road. They’ve found certain havens in countries that have rolled out specific visa programs built to encourage such travel in attempts to bolster local economies. And new analysis from Remote.com finds that Americans who want to keep their newfound flexibility might find a better slice of paradise if they leave the country. 

Looking at a number of factors including internet broadband, cost of living, and quality of life, the HR platform placed Madrid as the number one location for remote workers among 100 countries analyzed. The capital was also listed as the top spot for remote work visas and incentives, which doesn’t come as a surprise given Spain’s recent introduction of a digital nomad program and a new Start-up Law that aims to court entrepreneurs. And Spain was also given the title of number one country for digital nomads in 2024 by VisaGuide.World .

Perhaps what’s also in play is Spain’s reputation for having a less strict approach toward working. Countries in Europe are known for offering more vacation time and sacrificing perhaps some pay for working less . “People in Madrid, and Spain in general, really understand that you don’t live to work; you work to live,” April Jereza , a 31-year-old who moved from Canada to Madrid in 2017 and took a pay cut to live there, told CNBC Make It’s reporter Jennifer Liu. Adding that the hours follow a more 9 a.m. to 6 p.m. schedule with an hour or longer break midday, Jereza explained that she works at a Madrid-based company with some flexibility for remote work. 

She adds that while she earns less than she once did, the cost of living in Madrid is also lower. While her money might go further in Spain, Jereza explains that people can find themselves in a pinch when not depending on an international salary. “Working remotely in Spain with a U.S. or Canadian salary will get you very far, whereas working in Spain on a Spanish salary, you can feel the pains of inflation a bit more,” she told Liu.

Here are the top 10 places for remote work:

• Madrid, Spain
• Madeira, Portugal
• Toronto, Canada
• Auckland, New Zealand
• Tokyo, Japan
• Paris, France
• Portland, Maine, USA
• Taipei, Taiwan
• Stockholm, Sweden
• Reykjavik, Iceland

America has only one city on the top 10 list of metros for remote workers. A number of CEOs remain fixated on measuring productivity and calling workers back to the office despite great interest in hybrid or fully remote options. “The traditional view was, of course, idleness is the devil’s workshop or—you know, there are various versions of that. But you don’t have to believe in the devil to feel that when you’re idle, you are somehow or another wasting precious time,” historian Gary Cross told NPR of the nation’s puritanical ethos.

Of course, the digital nomad program isn’t all sangria and sunshine. There’s a fair amount of legwork, paperwork , and bureaucracy to muddle through to get said visa. And some have pointed out that digital nomadism acts much like a new form of colonization, as locals are forced to take on additional jobs as they feel the effects of an influx of rich expats . As a result, some countries like Portugal have eased up on their visa programs as the economic growth isn’t evenly dispersed to the local community. Spain itself recently ended its Golden Visa program, an initiative made for wealthy applicants. 

While these countries might have a more compatible attitude toward work with remote policies, the rollout of programs that incentivizes moving hasn’t gone so smoothly. It all led to the end of the short-lived Golden Visa era , which means that, yes, digital nomads might find Madrid to be their place of calling for flexible work, but that doesn’t mean Madrid wants them around.

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