Travel insurance World Nomads: my experience
I met the World Nomads in 2003, when I was looking for travel insurance for my first round the world and since then I am a loyal customer. In Portugal, I have never been able to find insurers with travel insurance for several months, let alone cover theoretically more complicated countries or risky activities such as diving and others.
The insurance policies of World Nomads travel for any length of time, with the possibility of traveling for several months to any country in the world - be it Iraq, Denmark or the Democratic Republic of Congo - and burglary cover, flight delays, emergency hospitalization, repatriation, risky sports, lost passports and a multitude of situations that can happen on the road [see covers]. And they happen!
A World Nomads covers practically everything - and this captivated me. To be perfect, insurance is only needed to cover situations of theft and accidents with professional photographic material. In fact, the policies contemplate the theft of electronic material for the payment of an additional premium, but impose a limit of 700 € per item - enough for an iPad or mobile phone, but insufficient for machines and professional photographic lenses.
Is It Worth Buying Travel Insurance?
Eu I do not know more attractive travel insurance that the World Nomads. Even then, I often chose not to buy, almost always with the mental argument that it was not going to be accurate, that the destination was reasonably "safe" and that nothing serious would happen to me, or that travel insurance is a avoidable expenditure.
Nothing is more wrong - I know it now better than ever. Who has a lot of money does not need travel insurance. Taking travel insurance it is not superfluous. Also because they serve precisely to cover unforeseen (which, by definition, are not predictable).
Fortunately, for many years I have been in the habit of traveling forewarned. But the truth is that I had never filed a claim asking for the reimbursement of any expenses, even because sometimes the small expenses ran into policy deductibles (that's what happened to me when I was back in the family last year with travel insurance from another insurer purchased from the agency that sold me the ticket Round-The-World).
He was, so to speak, a satisfied customer, but had never really World Nomads approves. Until my last trip to Africa.
From claim to refund
I already told you that I decided to go home earlier. of a trip to Uganda and Rwanda because of the hospitalization of my father-in-law (though he has recovered). And I did not have travel insurance until minutes before boarding.
For some reason that escaped me, I delayed buying travel insurance and then I remembered no more. I made the backpack, I started for Porto airport, I went to the boarding gate at the right time, but I had to wait because the boarding was a little late.
Next to the boarding gate there were 3 or 4 computers with internet connection. When one of them was free, I set there to pass the time. That's when I remembered that I had no travel insurance. Quickly, I entered the website da World Nomads, I bought the insurance with an immediate start date and paid by credit card. When I finished, the boarding gate was already open and the passengers to board. It was a blessed decision. Lucky to have reminded me at the last minute, fortunate that the shipment is a bit late.
I was in Uganda when I learned that my father-in-law had been hospitalized. I decided to return immediately to Portugal and bought a return flight from KLM for the same day, from neighboring Rwanda to Portugal. It was expensive, but at the time I did not even think about the money.
At home, I contacted the World Nomads by e-mail, stating the situation and requesting the reimbursement of the expenses, since the extra expenses with any early returns due to death or hospitalization of a close family member are covered by the policy.
They were extremely correct, quick and professional. During two or three exchanges of information, I was asked to:
- Os medical reports of the whole process, to evaluate the clinical status of the patient when admitted to the Intensive Care Unit
- Receipt of emergency flight purchase
- Copy of flight reservation original, to prove that I actually had a marked flight (and I was not simply taking advantage to return from tassel)
After analyzing the proceedings, which took perhaps four or five days, they requested documents to prove that my father-in-law was effectively my father-in-law:
- My wife's birth certificate
- Wedding certificate
Validated the family relationship, they asked me if I had asked for some refund to the airlines where I was supposed to fly to Portugal, to which I responded promptly:
- A TAP returned me 20,41 € for the unused return fees
- Turkish Airlines refused any refund
That same day I had a message confirming the reimbursement of emergency flight expenses (1.152,72 €) deducted from the amounts already returned by TAP (20,41 €). Today, 4 days later, the money came to my bank account. In total, 39 days have passed exactly including the waiting time for me to get the clinical reports and 10 days when I was on vacation without being able to send the certificates.
In short, World Nomads I have only to say well: they were professional and demanding, as well as fast, fair and transparent, and they did not make excuses for not paying. You will continue to have me as a loyal customer whenever you need travel insurance.
A World Nomads offers one of the best and most complete travel insurance recommended by National Geographic and Lonely Planet. Other excellent and cheaper option is IATI Seguros, which has no age limit and allows multivariate insurance (including long-term travel) to any destination in the world. It's the insurance I use in my travels.