Travel insurance: World Nomads Travel Insurance vs. Trawick International Safe Travels Voyager
Quick Verdict
Trawick International Safe Travels Voyager offers higher medical limits and customer satisfaction, but World Nomads provides better coverage for adventure activities and potentially higher overall maximum coverage.
- World Nomads offers broader adventure activity coverage, while Trawick International does not.
- Trawick International provides higher medical expense and emergency evacuation limits.
- Trawick International offers pre-existing condition coverage if purchased early, while World Nomads' coverage is less certain.
- Trawick International has higher customer satisfaction with customer service.
Key features – Side-by-Side
| Attribute | World Nomads Travel Insurance | Trawick International Safe Travels Voyager |
|---|---|---|
| Maximum Coverage Amount | Up to $2,000,000 of Overall Maximum Coverage. | $100,000 for trip cancellation |
| Trip Cancellation Coverage Details | Covers non-refundable, pre-paid travel costs if injured or medically unfit. Epidemics/pandemics generally excluded, Explorer Plan may offer some Coronavirus coverage. | Reimbursement for non-refundable, pre-paid costs if canceled for covered reasons like sickness, injury, death, quarantine, etc. |
| Medical Expense Coverage Limit | Up to $100,000 per trip for accident and illness (annual plan). Amounts can range from $15,000 to $50,000. | $250,000 per person |
| Emergency Evacuation Coverage Limit | Up to $100,000 per trip for medical transport and repatriation (annual plan). | $1,000,000 |
| Baggage Loss/Delay Coverage | Baggage loss up to $2,000 per trip (annual plan). Delayed baggage up to $1,000 per trip. | Baggage loss up to $2,500 ($300 per article limit, $500 combined max for specified items). Baggage delay (8+ hours) up to $600 |
| Pre-existing Condition Coverage | May not always cover pre-existing conditions. Check policy details for Country of Residence. | Coverage for pre-existing conditions if purchased within 21 days of initial trip deposit. |
| Adventure Activities Coverage | Covers over 150 adventure sports and activities. Explorer Plan accommodates many extreme sports. | Not available |
| COVID-19 Coverage Details | Standard and Explorer plans may offer cover for emergency medical assistance if you get sick with COVID-19. Explorer Plan may also offer cover for some COVID-19-related events. | COVID-19 is treated as any other sickness, with coverage for treatment, trip cancellation, and quarantine. |
| Customer Support Quality | Claims to offer 24/7 support (excluding weekends). Some users find the website poorly designed. | 93% of customers were satisfied with customer service. |
Overall Comparison
Medical: Trawick wins; Adventure: World Nomads wins; Pre-existing: Trawick wins if purchased early; Customer Service: Trawick wins
Pros and Cons
World Nomads Travel Insurance
Pros:
- Covers over 150 adventure sports and activities.
- Provides 24/7 emergency assistance.
- Multi-lingual support team available.
- Annual plan suitable for multiple trips throughout the year, especially shorter trips under 45 days.
- Easy-to-understand coverage plans (according to some users).
Cons:
- Epidemics and pandemics are generally excluded from trip cancellation coverage (except Explorer Plan).
- Policies may not always cover pre-existing medical conditions.
- Some users find the website poorly designed, making navigation and the claims process difficult.
- Customer support excludes weekends.
Trawick International Safe Travels Voyager
Pros:
- Comprehensive trip cancellation and interruption coverage
- High medical expense and emergency evacuation limits
- Includes pre-existing condition coverage if purchased early
- 24/7 travel assistance services
- COVID-19 coverage included
Cons:
- Specific adventure activities covered are not detailed
- Policy excess/deductible options not available
- Clarity and transparency of policy terms not available
- Customer support experience regarding policy changes or clarifications not available
- Coverage comparison for different travel destinations and trip durations not available
User Experiences and Feedback
World Nomads Travel Insurance
What Users Love
- Offers emergency medical assistance if you get sick with COVID-19 overseas (Standard and Explorer plans).
- Explorer Plan may cover some COVID-19-related events like cancellation, trip interruption expenses, and some quarantine costs if you are diagnosed with COVID-19.
- Filing claims is done online.
Common Complaints
- Medical emergency claim processing times vary depending on the emergency and required documentation.
Value Perception
- No value feedback reported.
User Recommendations
- For trip cancellation or baggage claims, expect to hear back within 15 days if you've submitted all documentation.
- It's critical to read the policy terms to understand what is covered and for how much.
Trawick International Safe Travels Voyager
What Users Love
- Easy to file claims online through the 24/7 customer service portal
- Most claims are processed within 10 business days
- 93% customer satisfaction with customer service
Common Complaints
- No major complaints reported.
Value Perception
- No value feedback reported.