World Nomads, recommended by Lonely Planet, is hugely popular with backpackers worldwide. This is one of the best known insurance companies in the world. They market themselves towards independent and adventurous travellers, although, honestly, their insurance is also a good fit for those less inclined to bungee jump.
Review Bottom Line
Huge, reputable, affordable, and with a reputation for being hassle free from the time you get an online quote all the way to their claims process. Though they’re best known for covering younger backpackers, World Nomads provides good coverage for anyone considering a longer trip.
How to Get a Quote
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.
Trip Interruption and Cancellation
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:
World Nomads will deny a claim if you travel:
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.
How to Get a Quote and Buy Online
Get a quote from World Nomads online, without any obligation to buy.
*As always, the information on this page is from one Canadian traveller to another. We have spent years abroad and have gotten to know the ins and outs of the industry however we are not travel insurance agents. If you have any travel insurance questions, please talk to a qualified travel insurance agent or broker. Finally, policies and plans can and do change all the time, without warning, so always consult your insurance policy since that is the legal document to which you are agreeing to.
*This article is only intended as general advice. Please check your own policy carefully.