World Nomads Pty Ltd (brand of nib Travel, distributed in Europe via nib Travel Services Europe Limited)
World Nomads
World Nomads is a travel insurance for the France market with online purchase and 24/7 assistance.
Direct payment
The 24/7 Emergency Assistance team can arrange direct payment to medical facilities where needed, so the traveler can focus on recovery rather than paying upfront.
Geographic scope
Worldwide, for residents of France travelling outside their country of residence
Cover applies while travelling outside your country of residence; certain incidents occurring in your home country are not covered
Unique selling points
- You can buy or extend a policy online even while you are already travelling outside your country of residence.
- Cover extends to travelling, working, volunteering or studying overseas, not just standard leisure trips.
- More than 150 adventure sports and activities can be covered, including volunteering and working activities.
- A single family policy can cover two adults and up to eight dependents.
- The 24/7 Emergency Assistance team can set up direct payment to medical facilities so travelers don't have to pay upfront.
Coverage limits
Overseas Medical & Dental Expenses
Covered
Emergency overseas medical treatment is covered up to policy limits, with a choice between a Standard Plan and an Explorer Plan, each offering different benefits, limits and sub-limits. Exact euro limits for the France-resident product were not disclosed in the accessible sources.
Emergency Medical Treatment
Covered
Cover applies if there is a sudden and unexpected accident or illness during the trip; this is accident and emergency cover only, not a private health insurance policy.
Hospitalization
Covered
No limit stated
Hospitalisation is referenced as a covered emergency event requiring contact with the 24-hour Emergency Assistance Service, subject to policy limits.
Outpatient Treatment
Covered
No limit stated
Covered as part of overseas medical expenses, though no specific outpatient sub-limit was found for the France-resident product.
Emergency Dental
Covered
No limit stated
Emergency dental expenses are covered alongside overseas medical expenses, up to policy limits varying by plan.
Medical Transport
Covered
No limit stated
Transport to appropriate medical facilities is arranged by the Emergency Assistance team when medically necessary.
Medical Evacuation and Repatriation
Covered
No limit stated
Emergency medical evacuation and repatriation to the country of residence for ongoing treatment is covered, subject to approval by World Nomads and the attending medical practitioner.
Repatriation of Remains
No limit stated
Not explicitly confirmed as a distinct benefit in the sources checked for the France-resident product.
Search and Rescue
Not established from the reviewed documents
Not found in the sources checked for this product.
COVID-19 Treatment
Conditional
No limit stated
Depending on country of residence, plans may include emergency medical cover for travelers who fall sick with Coronavirus while abroad, excluding pre-existing conditions.
Pre-existing Medical Conditions
Excluded
The policy excludes cover for pre-existing medical conditions of the traveler, travelling party and close relatives which exist before the policy is purchased or extended.
Winter Sports Cover
Conditional
No limit stated
Winter sports and adventure activities are covered as part of the broader adventure activities benefit, with coverage depending on the specific activity and plan (Standard or Explorer) and adherence to safety terms.
Adventure Activities Coverage
Conditional
More than 150 adventure sports and activities are covered with different coverage levels and conditions; some activities require specific safety gear or licensed guides and are categorized by level.
Pregnancy Complications
No limit stated
General marketing material states policies can help cover pregnancy-related emergencies, but this was not confirmed in the France-resident policy wording checked.
Personal Liability
Not established from the reviewed documents
Not found in the sources checked for this product.
Legal Assistance
No limit stated
Not found as a distinct monetary benefit; marketing text only mentions general help finding a lawyer, not covered legal costs.
24/7 Emergency Assistance
Covered
Policyholders have access to an Emergency Assistance team available 24/7 who can help find nearest medical centers, arrange emergency evacuation and set up direct payments to medical facilities.
Key conditions
Assistance call deadline
You must contact the 24-hour Emergency Assistance Service as soon as possible in the event of serious injury, illness or hospitalisation, or immediately if repatriation has to be considered.
Unauthorized treatment
If you don't contact the emergency assistance team as required, you may not be fully reimbursed for your expenses or for any evacuation or airfares not approved or arranged by them.
Purchase while abroad
You can buy this policy online even when you are already travelling outside your country of residence.
Pre-existing condition exclusions
This policy excludes cover for pre-existing medical conditions of you, your travelling party and close relatives which exist before you buy or extend the policy, unless specifically stated as covered in the policy wording.
Policy specifics
Overseas Medical & Dental Expenses
Coverage for emergency medical treatment, hospitalization, and dental expenses for sudden illness or injury while traveling abroad
SourceMedical Evacuation and Repatriation
Coverage for emergency medical evacuation if needed and repatriation to country of residence for ongoing treatment
SourceTrip Cancellation
Reimbursement of non-refundable trip expenses if you need to cancel due to covered reasons (sudden illness, injury, family emergency)
SourceBaggage Loss, Theft and Damage
Coverage for lost, stolen, or damaged baggage and personal effects during travel
SourceAdventure Activities Coverage
Coverage for more than 150 adventure sports and activities with different coverage levels and conditions
SourceCountry of Residence Eligibility
Coverage terms, benefits, and limits vary significantly depending on the policyholder's country of residence; must be selected at time of purchase
SourceAge Eligibility
Maximum age requirement for policy purchase; must be 64 years old or younger at time of policy purchase
SourceMedical Repatriation Agreement
Policyholder must agree to be repatriated to country of residence in medical emergency; insurer may have option to determine repatriation route
SourcePre-existing Medical Conditions
Pre-existing medical conditions may not be covered unless specifically stated as covered in policy wording; depends on country of residence
SourceTravel Warning Exclusion
No cover if you travel to destination with 'Do Not Travel' warning from your home country's government body
SourceCooling-Off Period
14-day period from policy issue to cancel policy for full refund if policy not yet in effect and no claim intended
SourceEmergency Assistance Requirement
For urgent medical situations, must contact 24/7 Emergency Assistance Team before incurring medical costs where possible to enable direct payment arrangements
SourceSources
- https://www.worldnomads.com/Document/OpenInsuranceRegulatoryWording?ContentTypeId=3&PlanId=7&RegulatoryWordingTypeId=1
- https://www.worldnomads.com/eu/travel-insurance/whats-covered/overseas-medical
- https://www.worldnomads.com/row/travel-insurance/destinations/france
- https://www.worldnomads.com/travel-insurance/compare-travel-insurance
- https://www.worldnomads.com/travel-insurance/destinations/france
- https://www.worldnomads.com/travel-insurance/policy-documents