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Standard vs Explorer Plans

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.

Two plans to choose from

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.

What are the differences between a Standard and an Explorer Plan?

This varies depending on your Country of Residence. Broadly speaking, though:

  • An Explorer Plan has benefits not available in the Standard Plan.
  • An Explorer Plan has higher benefit limits and/or sub-limits than the Standard Plan.

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.

Which plan should I choose?

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.

Am I covered for COVID-19 related events on both the Standard and Explorer plans?

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:

  • 24/7 access to our Emergency Assistance team, who can help you access local medical care;
  • Medical costs including hospitalization;
  • Evacuation or repatriation if deemed medically necessary by us and in consultation with your attending medical practitioner.

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.

Want all the details?

You can compare the Standard and Explorer plans and prices through getting an instant online quote.

True Claims Stories

  • Never travel without insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
    U.S. resident in Spain
  • I recently had a serious injury traveling on my own & the team was amazing. Being confused with a brain injury they took care of everything. Claiming was no problem, they were on the phone constantly to see if all was OK. I can't recommend them enough. Absolutely fantastic & l will always travel with World Nomads Insurance. Thanks guys for getting me home safely.
    Australian in Thailand
  • I was bitten by a monkey at the Batu Caves in Kuala Lumpur. I went to a nearby clinic and they gave me a rabies shot, antibiotics to take for 4 days, pain medicine, and anti-inflammatory medicine.
    Canadian in Malaysia

Travel Insurance Benefits: how we can take care of you*

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Come to a sticky end?
  • Called to jury duty?
  • Been made redundant?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need drugs?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • You or a family member dead?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.