World Nomads Travel Insurance

World Nomads are one of the biggest travel insurance providers around, and offer loads of different policies, covered by a range of the largest underwriters. One of the best things about World Nomads is that you can get hold of travel insurance whilst you are abroad! This is not something that is easily found, and can be a welcome relief for those of us that put travel insurance to the back of their minds, until it is usually too late. Their insurance is also available to residents of over 150 countries, which is great for those not from the UK.

Policy Types

World Nomads Travel Insurance
  • Single Trip
  • Annual Multi Trip
  • Backpacker & Long Stay
  • Winter Sports
  • Family Cover
  • Sports Activities

Policy Benefits

  • Buy insurance even if you are already abroad!
  • Extend your policy while you are abroad
  • Medical expenses up to £3 million
  • Valuables cover up to £400
  • Tailored policies to suit your needs
  • Available to residents of over 150 countries
  • Buy, extend and claim online!

Contacts

Visit World Nomads Travel Insurance for a quote.


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My son purchased Travel Insurance via the World Nomads website prior to skiing in Canada. The website stated that skiing in Terrain Parks was covered under the policy. My son missed the approach to one of the jumps in a Terrain Park and crashed badly. He sustained brain damage and was hospitalised for 4 weeks in Intensive Care before repatriation to the UK.

The insurance underwriters, Millstream Underwriting Ltd (MUL), declined cover on the basis that my son had been Ski Jumping, refering to an exclusion clause in the Winter Sports section that stated We do not cover any competition, free-style skiing, ski jumping, ice hockey, use of bobsleighs or skeltons, repetitive travel in ski run helicopters. We contested their decision.

Shortly after receiving our complaint the words Terrain Park were removed from the World Nomads website. I checked the web archive and the wording had been unchanged for at least the past 14 months. MUL claimed the timing was coincidental.

Over several exchanges of letters in the following months, MUL claimed that my son was performing a freestyle aerial jump and that he was participating in extreme skiing.

I took our case to the Financial Ombudsman Service. Three years after my son's accident the Ombudsman upheld our claim making the following comment in his final decision: I am concerned that MUL has put forward a number of different reasons for its decision to reject the claim and that it has disagreed with the adjudicators, making the complaint process unnecessarily prolonged.
Posted by Brad on the 4th September 20131 stars