Review of Refunds and Extensions

You can get a full refund within 14 days after your policy is issued, provided that your trip hasn’t started, and you haven’t made a claim. There are no refunds after the trip has started, but you can cancel the policy at any time.

Extensions are allowed during a trip, even if you’re not in your country of residence. You may extend your policy while on your trip, but NOT if your policy has expired, if you have a finalized Luggage and Personal Effects claim of $2,500 CAD or more. You can extend coverage up to a maximum trip length of 365 days if you’ve gotten an extension of your provincial health insurance plan. However, extensions can be expensive (though it’s nice to have the option).

Baggage and Personal Effects Insurance

World Nomads Canada offers baggage and personal effects insurance of $2,500 per person, with a maximum of $500 CAD per item. This insurance covers cameras and computers, which is unusual as most insurance policies exclude cell phones, computers and the majority of electronics. Prescription eyeglasses are covered under the baggage and personal effects insurance. However, there are exclusions to the coverage, for example if your belongings are left unattended in public place or if unattended in car. These exclusions are typical, and found in many other Canada travel insurance reviews.

Adventure Activities

• Adventure activities like snorkelling or scuba diving are covered
• $500 emergency dental per person

Trip Interruption and Cancellation

• Trip Interruption:  $5,000 per person per trip
• Trip Cancellation:  $1,000 per person per trip

Pre-existing Medical Conditions Exclusions

Like every other travel insurance company we review, World Nomads will not cover a claim that results from a pre-existing medical condition. These include claims for you, your travelling companion and an immediate family member.

World Nomads defines a preexisting medical condition as:

• pregnancy
• any medical or dental condition that yu are aware of, or that are being investigated for within 90 days of purchasing the policy

World Nomads will deny a claim if you travel:

• against medical advice
• travel to obtain medical treatment
• if you know you are unfit to travel
• if a terminal prognosis was made (for you, a travelling companion, or an immediate family member) before your insurance confirmation letter was issued

Red Tape

• Valid provincial health insurance is required for the entire duration of your trip.
• Each policy includes, by default, a $2 donation to a charity like Care’s Healthy Mothers and Babies, Cambodia or Save the Children. You have the option to opt out of the donation.
• Children (under age ?) are covered free.
• World Nomads insurance is underwritten by Chartis Canada.
• Claims can be made online, or by calling Travel Guard Canada at 1-866-878-0191 and requesting a claim form.

World Nomads Canada Promo Code

Promo codes won’t work for Canadian (or American) residents. Regulatory restrictions in the US and Canada mean that World Nomads can’t legally offer insurance discounts in Canada.

Where to Find the Canadian World Nomads Policy

You can find a copy of the World Nomads policy in your quote, just above the Buy Now button. Here’s a screenshot showing where to look for the policy information on your quote.