Why two travel insurance plans and what’s the difference?
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No two travelers are the same, so why should travel insurance be one-size-fits-all?
You might be at the ski lodge in Queenstown or Sapporo, and half your crew are heading to the café while you hit the slopes. Or maybe your sister always rents a car when she travels, while you prefer to bus it. World Nomads offers different plans with different levels of coverage so you can choose one to suit your needs.
World Nomads offers two plans – a Standard Plan and an Explorer Plan – each with different benefits, limits and sub-limits of coverage.
Standard Plan: Includes a range of benefits such as overseas medical, coverage for your belongings, pre-trip cancellation and certain adventure activities.
Explorer Plan: Has all the benefits of a Standard Plan and a few more, and is more expensive to buy.
Please choose carefully from the outset, as you can’t upgrade from a Standard Plan to an Explorer Plan mid-trip. Depending on your Country of Residence, you may also need to add adventure activities to your quote as another type of coverage upgrade as you can’t add this mid-trip.
This varies depending on your Country of Residence. Broadly speaking, though:
An easy way to see the differences is in the benefit summary when you get an instant online quote. The quote page will also tell you how much each plan costs and has links to the policy wording, which details the coverage in full.
That’s your decision to make. Ask yourself, how much cover will you need if something goes wrong? Only you know where you’re planning to go, how much you paid, what you’re planning to do, see and visit, and how your personal situation might influence your choice.
The coverage you will have for Coronavirus (COVID-19) related events under our Standard and Explorer plans will depend on your Country of Residence. If you are diagnosed with COVID-19 while overseas, your benefits may include:
Some of our Explorer plans also offer cover for some additional COVID-19-related events such as cancellation following a diagnosis to assist our travelers.
To find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, conditions and exclusions.
Coverage depends on your Country of Residence and varies between plans.
Our policies aren’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
You can compare the Standard and Explorer plans and prices through getting an instant online quote.
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Before your trip, check to see if there are current travel alerts for your destination – you can also check travel advice and restrictions for your destination(s) as these may impact cover, or your ability to travel.
Gaza−Israel conflict: For travellers in, or planning on travelling to, Israel or the Palestinian Territories, please see our travel alert with more information.