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World Nomads Travel Insurance

Disclaimer:

World Nomads Travel Insurance is not currently offered through travelinsurance.com.au and is included here only for comparison purposes. You are welcome to visit their website for more information or compare travel insurance options available from us.

World Nomads Travel Insurance Plans

Unlike other travel insurance plans, the World Nomads Travel Insurance products are designed for Australians who will travel, work, volunteer or study overseas for an extended period of time. There are only two plans available, but the benefits and benefit limits differ considerably from other travel insurance products:

  • Standard Plan – the Standard Plan is the more affordable of the two plans, but as a result the limits for some benefits are lower, while other benefits such as alternative medical therapies and car rental excess are not included at all. The plan can be purchased for single travellers, as well as by couples/duo’s and families.
  • Explorer Plan – this is a more comprehensive plan, with higher benefit limits, and more benefits overall. As with the Standard Plan, it can be bought by single travellers, couples/duo’s and families.

Benefit Limits for World Nomads Travel Insurance Plans

Benefits, Limits and Sub-limits (per policy)

Standard Plan

Explorer Plan

Excess/
Waiting Period

Emergency Medical & Dental Expenses Overseas

Overseas medical expenses for up to 12 months after sudden illness first appears or serious injury first occurs

  • Hospitalisation and outpatient treatment
  • Prescribed medicines
  • Prescribed physiotherapy

$10,000,000

Unlimited

$100

Emergency dental treatment (sudden and acute pain) to healthy, natural teeth

$500 per person, up to a maximum of $1,000

$500 per person, up to a maximum of $1,000

$100

Alternative therapies treatment by a chiropractor, acupuncturist or osteopath, as prescribed by an authorised medical practitioner

Not covered

$1,000

$100

Out-of-pocket expenses in hospital daily cash benefit after 48 hours

Not covered

$10,000
($50/day)

48 hours

Clinical psychology after assault or psychological trauma

Not covered

$500

Nil

Medical Evacuation & Repatriation

Emergency medical transport & repatriation for:

  • Sudden illness or serious injury or death
  • Assault or psychological trauma
  • Accompanying person in hospital or during your repatriation

$1,000,000

Unlimited

$100

Local funeral expenses or repatriation of remains home

$30,000

$30,000

Nil

Cancellation & Trip Interruption

Cancellation expenses for up to 14 Insured Events

  • Tuition/course fees sub limit
  • Agent cancellation fees sub limit

$7,000

$4,000

$3,000

Unlimited

$4,000

$3,000

$100

Trip Interruption expenses

  • Phone/internet cost sub limit

$5,000

$50

$10,000

$100

$100

Compassionate emergency visit (pre-approval required)

$3,000

$3,000

$100

Resumption of trip (pre-approval required)

$3,000

$3,000

$100

Kidnap or hijack cash daily benefit

Not covered

$5,000
($250/day)

Nil

Your Belongings

Baggage and personal items

  • Theft or accidental damage
  • Theft, loss or accidental damage by a common carrier

$4,000

$20,000

$100

Item Limits

  • Portable electronic devices (including tablets, laptops, digital or video cameras, mobile phones and other hand-held devices)

$500/item

$2,000/item

 
  • Digital storage (hardware only)

$50/item

$100/item

 
  • All other items

$350/item

$700/item

 
  • Theft of cash

Not covered

$250

 

Baggage delay over 12 hours

$600 ($300/day)

$900 ($300/day)

12 hours

Theft or accidental damage to your passport, travel documents and credit cards

$3,000

$3,000

$100

Hire of sporting equipment over 12 hours

Not covered

$2,000

12 hours

Specified high value items
(optional upgrade)

  • Sub limit for each item

$12,000

$3,000/item

$12,000

$3,000/item

$100

Personal Liability

Third party compensation and legal expenses

$1,000,000

$2,500,000

Nil

Rental Vehicles

Rental vehicle insurance excess

Not covered

$3,000

$100

Return of rental vehicle

Not covered

$500

$100

Personal Accident

Accidental death and permanent total disablement

  • Per person sub limit

$12,500

N/A

$25,000

$12,500

Nil

Credit repayment for students

$2,500

$5,000

Nil

Special Features

Adventure, Work, Study & Volunteer

Level 1 Low risk adventure sports and activities; non-manual and manual work, study and volunteer experiences.

Included automatically

Included automatically

1

Level 2 Higher risk adventure sports and activities; non-manual and manual work, study and volunteer experiences. (optional)

Optional upgrade to include
Level 1 & 2

Optional upgrade to include
Level 1 & 2

1

Level 3 Highest risk adventure sports and activities; non-manual and manual work, study and volunteer experiences. (optional)

Optional upgrade to include all levels

Optional upgrade to include all levels

1

Homesick Visit

You can return home for any non-claimable reason and resume your trip under the same policy period

One visit

One visit

N/A

1 An excess and/or waiting period applies per event, depending on the situation and benefit claimed from participating in these adventure sports, work, study or volunteer activities.

 

This summary is intended only as a guideline and you should read the relevant PDS for full details of each benefit, sub-limits, and conditions, exclusions, and restrictions that may apply. Benefit limits show are for Couple/Duo or Family policies and show the maximum amount payable per policy for the duration of the trip.

General Conditions or Exclusions for World Nomads Travel Insurance Plans

It is important to note that specific conditions and exclusions apply to all World Nomads Travel Plans. More detail of these can be found in the Product Disclosure Statement (PDS), but include the following:

  • Travellers must be 69 years old or younger at the time they buy or extend their policy.
  • Single traveller is defined as one person travelling alone or accompanied by up to eight dependants.
  • Couples/Duo’s are two people travelling together for the majority of the trip and with no accompanying dependents.
  • Families are two adults who are travelling together for the majority of the trip with up to eight dependents.
  • Dependents are children, grandchildren, or others for whom you are the legal guardian, who are not in full time employment, are 20 years old or younger at the time you buy or extend your policy, are travelling with you for the majority of the trip, and are listed as covered on your Certificate of Insurance.
  • All plans are only available to Australian residents or citizens who are - or will be - temporarily travelling, studying, working or living overseas, or are on a one-way ticket and have no idea where their travels will take them.
  • They are also available to Australian residents or citizens who are planning to participate in a range of adventure sports and activities, going on a working holiday, or planning to study or volunteer overseas.

Pre-Existing Medical Conditions

World Nomads Travel Insurance includes automatic cover for 23 pre-existing medical conditions (including pregnancy), but with certain conditions attached. These are outlined in more detail in the PDS but include not having been hospitalised (including day surgery) or attended an emergency department in the past 24 months for that condition. There is no optional cover for pre-existing medical conditions not automatically covered, but this does not prevent you from being able to purchase World Nomads travel insurance; it simply means you will not be able to claim for any events directly or indirectly related to these pre-existing medical conditions.

Contact Details for World Nomads Travel Insurance

Underwriter

Certain underwriters at Lloyd’s (the insurer) and managed by nib

Website

worldnomads.com.au/travel-insurance/

Claims

Phone: +61 2 8263 0400

1300 787 375 (local call in Australia)

Online: worldnomads.com/claim

Email: claimsAUS@worldnomads.com

Travel & Medical Assistance, 24 hours a day, 7 days a week

Phone: +61 2 8263 0470 or 

+61 2 8292 1470 (from outside Australia)

1300 787 375 (from within Australia)

Email: assist@worldnomads.com

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