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How are your experiences with World Nomads travel insurance?


by @trippydad | 5yr  | 7 comments

Iโ€™m on a RTW trip with my family for a year. Weโ€™re in a new country every few weeks or so. World Nomads seems to be the most popular company but they have horrendous reviews regarding payment of claims. Iโ€™d love to hear of other options people have experience with - or if youโ€™ve had a positive outcome with World Nomads. Thanks all.

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I had a neck injury last year and called to notify them what had happened and that I was getting it checked out. They were very helpful, good communication but in the end I barely went over the claim threshold for scans and doctors so I didnโ€™t put the claim in. Was impressed with the early contact though, they seemed to be approaching it very honestly and genuinely.

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@kathrynoh | 4yr

Iโ€™m currently in the process of making a claim with World Nomads because I had to return home for compassionate reasons.

A few things Iโ€™ve learnt through this:

  • if you need to contact WN in an emergency, you have an email option but that email address is only checked during their business hours. The emergency phone number is 24/7 but thatโ€™s not handy if you donโ€™t have phone access while travelling. Iโ€™d been having issues with my Skype account so that wasnโ€™t an option.

  • Iโ€™d planned on coming home for a visit in July anyway so had flights booked but, if you are travelling on a one way ticket, your fare to return home isnโ€™t covered because itโ€™s considered an expense youโ€™d have to pay anyway. No matter that you might have to pay top price for booking last minute. They seem to be okay with the flight change fees though.

  • Similarly with hotels. Even if you had planned to stay somewhere at a reasonable rate because youโ€™ve booked it in advance for long term but get that refunded, if you have to pay top dollar for a hotel en route to get home, they wonโ€™t pay because youโ€™d have had to pay for accommodation for that night. Thereโ€™s no allowance for additional cost of much more expensive accommodation.

  • If you have to a cancel an Airbnb, even if you have a flexible cancellation, you have to still pay the Airbnb fees. I was told they werenโ€™t explicitly covered in the WN policy so itโ€™s up to the claim assessor.

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@syneryder | 5yr

Iโ€™ve been happy with World Nomads, Iโ€™ve used them 4 times but Iโ€™ve not made a claim through them yet. I did extend my insurance in 2015, and I was able to do it online while overseas - though I was in Germany, and only extending a 2 month trip by a week. Iโ€™ve found their customer service okay, had a chat with them over Twitter when I first signed up. And Iโ€™ve always loved that one of the extreme sports they will insure for is โ€œAir Guitarโ€.

Totally agree about the bloggers & affiliate links, thatโ€™s how I found out about World Nomads too. Once youโ€™re aware of that, youโ€™ll realize that means you can always find a 10% discount code out there if you look online.

In comparison, I used QBE a decade ago, had to make a medical claim, and while I didnโ€™t incur any costs myself, the hospital apparently had trouble getting payment out of QBE.

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@trippydad | 5yr

Thanks for the response @SyneRyder - bummed I didnโ€™t think about the discount code. Was scrambling at the time. Hopefully itโ€™ll help somebody else. Funny about the Air Guitar. Cheers.

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@kathrynoh | 5yr

Yep and ultimately settling claims without a fuss is more important than good customer service :smile:

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@kathrynoh | 5yr

I had to make a claim with them a couple of years ago โ€“ delayed flight and subsequent expenses. They paid up in full and really promptly, well before the date theyโ€™d given me.

This year, I wanted to extend an existing policy and couldnโ€™t do it online. Their site couldnโ€™t let me get into to do it. I contacted them about it and they were really unhelpful and rather rude. After a lot of palaver, they told me my sister could phone their Sydney office (they couldnโ€™t seem to grasp that I didnโ€™t want to ring overseas and I didnโ€™t have a phone with me which was strange for a travel insurance company). I got it extended but was not at all impressed with their customer service.

Btw I think the reason they seem so popular is that a lot of bloggers have affiliate links for them. Although, I canโ€™t really think of a good alternative.

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@trippydad | 5yr

Hey Kathryn, thanks for sharing your experience, sorry you had to go through that - last thing you need when traveling. But yep, you confirmed exactly what I was thinking - especially about the bloggers and affiliates. And youโ€™re right, we really couldnโ€™t find any alternatives so we reluctantly went with World Nomads. Just putting out the good vibes and hoping for the best. Cheers, Mike

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Read and participate in 13,975 discussions on Nomad List

Suggested topics

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What is the best online insurance for digital nomads ?


by @berberos | 6d 5 days ago | 4 comments

Hi guys ! hope you are doing well.

I would love to get your feedback regarding the best insurance for digital nomads. i'm traveling around Asia since 1 year and for next 4 or 5 years. Would love to buy an insurance to cover especially :

- health

- laptop, phone ...

- Flights

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Any nomads working on startups?

 

by @mattlock | 4mo 3 months ago | 33 comments

Hoping to see all the cool stuff people are working on while they live an extraordinary life.

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Does international health insurance for digital nomads exist?

 

by @al_steffen | 5mo 4 months ago | 59 comments

Hey Nomads!

Iโ€™m looking for an international health insurance (no travel insurance) for my nomadic life. It should cover the basic services and at least be accepted in the EU (itโ€™s ok if itโ€™s not accepted in the US as Iโ€™m aware they rarely are). Nice to have: enter into a contract online. Anyone got a good experience or a recommendation?

Thanks in advance!

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How do digital nomads pay tax?


by @rodriigovieira | 7mo 6 months ago | 19 comments

Hello everyone! Iโ€™m new here and probably this is a very newbie question, but it doesnโ€™t leave my head.

How do you, nomads, pay your taxes? I mean, if youโ€™re constantly traveling, how are you going to pay taxes for a certain country if you are going to stay there a short period of time?
Or do you return to your โ€œoriginal countryโ€ and then pay them?

By the way, this forum has very nice cool formatting features! :smile:

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Anyone know an accountant for Canadian nomads/expats?


by @noam_lightstone | 7mo 7 months ago | 16 comments

Hey guys, this was my first year as a Canadian nomad.

As far as I know of, Canadians donโ€™t pay taxes if they do not live in the country for 6 months.

But Iโ€™d like to talk to an accountant or someone who does Canadian taxes specifically for expats and nomads to get clear on the rules and for help on my return coming up.

Does anyone know someone who specializes in Canada who can help? Iโ€™ve seen plenty of US recommendations but none for us canucks.

Thanks guys!

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Where are the nomads in Mexico City?


in Mexico City, Mexico by @shellyfish | 9mo 8 months ago | 9 comments

I just landed as a n00b digital nomad in Mexico City, and I am wonderingโ€ฆ Where are all the international digital nomads hiding around here? I have been to several coworking spaces (Selina etc.) only to find A LOT of local Mexican workers and businesses. Donโ€™t get me wrong, that is all fine, but I was hoping to meet some international nomads! Any advice?

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How do we solve housing for digital nomads?

 

by @levelsio | 9mo 8 months ago | 61 comments

Thereโ€™s been a lot of discussion on this recently.

Nomads usually stay in hostels, hotels and short-term apartments. But itโ€™s all not very optimal.

Iโ€™ve heard people suggest getting funding and building a network of houses you can stay at for a subscription price (e.g. Bruno Haid is working on that).

I donโ€™t want do physical stuff, so Iโ€™m thinking of building a platform around making housing better for nomads.

What are the housing problems nomads face? And how can we solve them with products/services?

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App/tool/service for nomads to bring things from another country?


by @brmolin | 10mo 10 months ago | 4 comments

I vaguely remember hearing about such a service before, but Iโ€™m drawing a blank on the name. Basically I left my tablet on a connecting flight in Europe, right before my main flight to Thailand. They have my tablet and are willing to ship it out for me, but people have warned me thereโ€™s a big risk of it getting โ€œlost in the mailโ€ if I ship something expensive like that to Thailand.

Iโ€™m wondering if thereโ€™s a service or community, where I can find a nomad whoโ€™s in Europe/heading to Thailand soon, so I can have it shipped to them in Europe and pay them to ferry it down here for me? I met someone in Budapest a ways back who had built something for this type of use-case, but I canโ€™t remember the name of it. Any help would be appreciated!

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Are there any nomads from India?

 

in India by @ankitdas123 | 10mo 10 months ago | 56 comments

I have seen a lot of posts from different people across the world, but not even a single post from someone in India, who has been a nomad, either living within the country or traveling to another one.

Would definitely love to hear stories from such people. We are a couple traveling as social nomads who are trying to bridge the gap between the rural and urban societies in India. We have started out very humble and do not have much resources, so looking out for help from the community.

Ankit & Rishika
Around Love and Life

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How is Sicily for digital nomads?


by @gaelm | 10mo 10 months ago | 15 comments

Hi all, I was looking for a cool spot in Southern Europe for winter and Iโ€™m considering Sicilyโ€ฆ Have you ever been there? If yes, how was your experience? If not, why?
thanks!

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How is Bari, Italy for digital nomads?


in Bari, Italy by @mitch_dina | 10mo 10 months ago | 7 comments

Greetings!
Does anyone have experience in Bari, Italy please? We are thinking of going from Dubrovnik, Croatia to Bari by boat in mid-March. Has anyone taken a boat across? Is it nice or can it be choppy? (We are trying to avoid planes, to reduce our carbon footprint, so adding more surface travel.) Also, any info you might be able to offer about Bari and the surrounds? Next step will likely be trains up Italy as the Spring progresses.

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How is Mauritius for digital nomads?


in Mauritius by @wakkos | 11mo 11 months ago | 14 comments

Hello all,

Iโ€™m planning on spending a couple of month in Mauritius Island and even when Iโ€™ve been there for a week, never rented or worked there.

Does anyone here has tips or experience to share about Mauritius?

Cheers!

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Best way to connect with "local" nomads using Nomadlist?


by @migueltic | 12mo 11 months ago | 4 comments

Hi, Iโ€™ve seen that Nomad List offers different options that could work for connecting with other nomads that are in the same place as me (forum, Slack, user maps, matches and maybe even more options I havenโ€™t seen), but Iโ€™m not sure what is the best/recommended way to use all these options.

Should I use all of them? Start with a message in the forum and/or Slack?

Sending private messages to a lot of people feels a little bit โ€œaggressiveโ€. And matches are not based on current location if I understood it correctly.

By the way, I just arrived at Budapest :slight_smile:

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Best American phone carrier for nomads


by @tylertringas | 12mo 11 months ago | 12 comments

Iโ€™m surprised this isnโ€™t anywhere on the forum yet. But just a pro tip for Americans about to start a nomad adventure. T-mobile offers unlimited SMS & data in 120 countries for FREE with any of their (already pretty cheap) plans. Itโ€™s ideal if you plan to be back in the US for any part of the year, but I honestly would consider it even if youโ€™re going to be entirely out of the country.

You get bumped down to much slower 3G speeds, but itโ€™s free and works as soon as you land. Can be super helpful before youโ€™ve sorted yourself out with a local SIM. I usually keep my T-mobile SIM in my iPhone all the time and then buy a local SIM and drop it in my pocket wifi for both laptop and iPhone when needed. I keep my local US number and just use it (itโ€™s like $0.05/min in most places) for important clients calls so they donโ€™t have to bother with Skype.

Iโ€™m not affiliated at all, just a happy customer. Anybody found a better deal worth mentioning?

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Property Ownership - should digital nomads buy properties?


by @sparrow_23 | 1yr 1 year ago | 16 comments

I have been a digital nomad for the last couple of years. I have always worked in tech and now run a couple of profitable online businesses that give me a reliable income and allow me to fund a nomadic lifestyle.

I recently exited one of my businesses and I am considering to invest the income from the sale in properties, mainly for 2 reasons:

a) I donโ€™t want to keep wasting my money in renting apartments across the cities I stay

b) I believe in properties as investment and I want to diversify my investment portfolio (mainly stocks)

After years of constant wander from one place to another, now I am the type of digital nomad who sticks to few locations: I mainly rotate across 4 places each year (San Francisco, Medellin, Berlin, Bali). Buying a house in each of those location would be difficult and too expensive. Therefore, I was wondering if there was any sort of service that combines an investment opportunity with the ability to access different properties around the world (even if just for a limited time per year) ?

Imagine living in 4 cities per year and having a house in each place that you can exclusively use for 3 months and at the same time having your investment growing (this depending on the market, of course). Wouldnโ€™t that be great? I believe it could be done via a property fund selling you a share and giving you access to some of their properties for a limited timeframe each year.

Has anyone heard of anything like that?

Thanks!

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Apple TV and Netflix: Do these work for Nomads?


by @lricci | 1yr 1 year ago | 8 comments

We launch in 2 weeks. In the US, we use Apple TV and Netflix regularly. Do these work abroad?

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Do any digital nomads travely solely by motorcycle?


by @fraserdeans | 1yr 1 year ago | 10 comments

Last summer I spent some time travelling through Thailand and Cambodia and jumped on mopeds to get around. I fell in love with them, the freedom, the ability to get off the tourist trail and see areas of a country not written about in tour books.

Recently a friend of mine cycled from London through Western Europe down to Morocco. His journey, stories and photo blog have all inspired me to see Europe by road rather than missing it all by plane.

Iโ€™ve been encouraged to do the same longer term through Europe. Next month Iโ€™m heading off to Spain to start that journey.

I was wondering if any nomads here are on similar journeys? Does anyone motorcycle between cities setting up to work for a couple weeks then moving on?

If so, have you got any advice/tips for someone just starting that journey?

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Any nomads in Budapest want to grab a drink?


in Budapest, Hungary by @worldtravel | 2yr 1 year ago | 7 comments

Iโ€™m in Budapest for the next 3 weeks. any nomads want to grab a drink?

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What's the best mobile-data option in New Zealand for nomads?


in New Zealand by @goldsaj | 2yr 1 year ago | 2 comments

Hi All! Iโ€™ve heard Spark and Vodafone are the best. I plan to move around, so I care mostly about having good coverage, and all Iโ€™ll need is around 1 GB of data or so.

Any suggestions?

Thanks!

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Is Three's 'Go Roam' package any good for British nomads?


by @alexnapierholland | 2yr 1 year ago | 2 comments

Hey, Three in the UK offer a โ€˜Go Roamโ€™ package that - at first glance - looks good for nomads.

It essentially promises data use abroad, up to 12GB,

Iโ€™d link to Threeโ€™s FAQ for Go Roam, but as Iโ€™m a new user I canโ€™t.

Bali/Indonesia and Australia are both included, which are top destinations for me.

Thailand is not, which may be annoying.

I could do with a new iPhone before I leave for Bali again in January and as Iโ€™ve been launching a new business, am a bit short on cash.

Unsure if this is a good solution, or if it makes more sense to sit-it-out on my iPhone 6 until I can buy an iPhone XS Max with cash and stick whatever SIM I want in it.

What do you guys think?

Cheers!

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