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Iโm on a RTW trip with my family for a year. Weโre in a new country every few weeks or so. World Nomads seems to be the most popular company but they have horrendous reviews regarding payment of claims. Iโd love to hear of other options people have experience with - or if youโve had a positive outcome with World Nomads. Thanks all.
I had a neck injury last year and called to notify them what had happened and that I was getting it checked out. They were very helpful, good communication but in the end I barely went over the claim threshold for scans and doctors so I didnโt put the claim in. Was impressed with the early contact though, they seemed to be approaching it very honestly and genuinely.
Iโm currently in the process of making a claim with World Nomads because I had to return home for compassionate reasons.
A few things Iโve learnt through this:
if you need to contact WN in an emergency, you have an email option but that email address is only checked during their business hours. The emergency phone number is 24/7 but thatโs not handy if you donโt have phone access while travelling. Iโd been having issues with my Skype account so that wasnโt an option.
Iโd planned on coming home for a visit in July anyway so had flights booked but, if you are travelling on a one way ticket, your fare to return home isnโt covered because itโs considered an expense youโd have to pay anyway. No matter that you might have to pay top price for booking last minute. They seem to be okay with the flight change fees though.
Similarly with hotels. Even if you had planned to stay somewhere at a reasonable rate because youโve booked it in advance for long term but get that refunded, if you have to pay top dollar for a hotel en route to get home, they wonโt pay because youโd have had to pay for accommodation for that night. Thereโs no allowance for additional cost of much more expensive accommodation.
If you have to a cancel an Airbnb, even if you have a flexible cancellation, you have to still pay the Airbnb fees. I was told they werenโt explicitly covered in the WN policy so itโs up to the claim assessor.
Iโve been happy with World Nomads, Iโve used them 4 times but Iโve not made a claim through them yet. I did extend my insurance in 2015, and I was able to do it online while overseas - though I was in Germany, and only extending a 2 month trip by a week. Iโve found their customer service okay, had a chat with them over Twitter when I first signed up. And Iโve always loved that one of the extreme sports they will insure for is โAir Guitarโ.
Totally agree about the bloggers & affiliate links, thatโs how I found out about World Nomads too. Once youโre aware of that, youโll realize that means you can always find a 10% discount code out there if you look online.
In comparison, I used QBE a decade ago, had to make a medical claim, and while I didnโt incur any costs myself, the hospital apparently had trouble getting payment out of QBE.
Thanks for the response @SyneRyder - bummed I didnโt think about the discount code. Was scrambling at the time. Hopefully itโll help somebody else. Funny about the Air Guitar. Cheers.
Yep and ultimately settling claims without a fuss is more important than good customer service 
I had to make a claim with them a couple of years ago โ delayed flight and subsequent expenses. They paid up in full and really promptly, well before the date theyโd given me.
This year, I wanted to extend an existing policy and couldnโt do it online. Their site couldnโt let me get into to do it. I contacted them about it and they were really unhelpful and rather rude. After a lot of palaver, they told me my sister could phone their Sydney office (they couldnโt seem to grasp that I didnโt want to ring overseas and I didnโt have a phone with me which was strange for a travel insurance company). I got it extended but was not at all impressed with their customer service.
Btw I think the reason they seem so popular is that a lot of bloggers have affiliate links for them. Although, I canโt really think of a good alternative.
Hey Kathryn, thanks for sharing your experience, sorry you had to go through that - last thing you need when traveling. But yep, you confirmed exactly what I was thinking - especially about the bloggers and affiliates. And youโre right, we really couldnโt find any alternatives so we reluctantly went with World Nomads. Just putting out the good vibes and hoping for the best. Cheers, Mike
Hi guys,
After the Netherlands, the Bay Area, Colorado and being on the van life for 8 months, I am now in Sedona, AZ with a few other digital nomads. We are sharing a home here and are wondering if there are more like minded people in the area.
We do a bunch of hikes and campouts in the northern of Arizona. If you would like to connect with us, please do so :)
Val
Does anyone ever travel to any Islands like Bermuda, Barbados, Barbuda and St. Kitts & Nevis?
Hi there, title says it all. Canadian nomad hoping to find the city/town in Portugal with great, consistent surfing, a solid coworking spot, and a fun group of young nomads. Please recommend!
I'm in need of a tax advisor who understands "our" typical situation. I'm all good on being legal on taxes at this point, but as I'm doing more investing and there's more compliance and KYC and such, it's getting more complicated to deal with this topic. Not living in my country of citizenship, company in another country, resident in yet another country, banking in a different country ... you know how it is, a pile of red flags.
Would be great to find a good tax advisor to sort things in a way that makes my situation as "explainable" and easily dealt with as possible. Any leads?
Hi guys ! hope you are doing well.
I would love to get your feedback regarding the best insurance for digital nomads. i'm traveling around Asia since 1 year and for next 4 or 5 years. Would love to buy an insurance to cover especially :
- health
- laptop, phone ...
- Flights
Hoping to see all the cool stuff people are working on while they live an extraordinary life.
Hey Nomads!
Iโm looking for an international health insurance (no travel insurance) for my nomadic life. It should cover the basic services and at least be accepted in the EU (itโs ok if itโs not accepted in the US as Iโm aware they rarely are). Nice to have: enter into a contract online. Anyone got a good experience or a recommendation?
Thanks in advance!
Hello everyone! Iโm new here and probably this is a very newbie question, but it doesnโt leave my head.
How do you, nomads, pay your taxes? I mean, if youโre constantly traveling, how are you going to pay taxes for a certain country if you are going to stay there a short period of time?
Or do you return to your โoriginal countryโ and then pay them?
By the way, this forum has very nice cool formatting features!
Hey guys, this was my first year as a Canadian nomad.
As far as I know of, Canadians donโt pay taxes if they do not live in the country for 6 months.
But Iโd like to talk to an accountant or someone who does Canadian taxes specifically for expats and nomads to get clear on the rules and for help on my return coming up.
Does anyone know someone who specializes in Canada who can help? Iโve seen plenty of US recommendations but none for us canucks.
Thanks guys!
I just landed as a n00b digital nomad in Mexico City, and I am wonderingโฆ Where are all the international digital nomads hiding around here? I have been to several coworking spaces (Selina etc.) only to find A LOT of local Mexican workers and businesses. Donโt get me wrong, that is all fine, but I was hoping to meet some international nomads! Any advice?
Thereโs been a lot of discussion on this recently.
Nomads usually stay in hostels, hotels and short-term apartments. But itโs all not very optimal.
Iโve heard people suggest getting funding and building a network of houses you can stay at for a subscription price (e.g. Bruno Haid is working on that).
I donโt want do physical stuff, so Iโm thinking of building a platform around making housing better for nomads.
What are the housing problems nomads face? And how can we solve them with products/services?
I vaguely remember hearing about such a service before, but Iโm drawing a blank on the name. Basically I left my tablet on a connecting flight in Europe, right before my main flight to Thailand. They have my tablet and are willing to ship it out for me, but people have warned me thereโs a big risk of it getting โlost in the mailโ if I ship something expensive like that to Thailand.
Iโm wondering if thereโs a service or community, where I can find a nomad whoโs in Europe/heading to Thailand soon, so I can have it shipped to them in Europe and pay them to ferry it down here for me? I met someone in Budapest a ways back who had built something for this type of use-case, but I canโt remember the name of it. Any help would be appreciated!
I have seen a lot of posts from different people across the world, but not even a single post from someone in India, who has been a nomad, either living within the country or traveling to another one.
Would definitely love to hear stories from such people. We are a couple traveling as social nomads who are trying to bridge the gap between the rural and urban societies in India. We have started out very humble and do not have much resources, so looking out for help from the community.
Ankit & Rishika
Around Love and Life
Hi all, I was looking for a cool spot in Southern Europe for winter and Iโm considering Sicilyโฆ Have you ever been there? If yes, how was your experience? If not, why?
thanks!
Greetings!
Does anyone have experience in Bari, Italy please? We are thinking of going from Dubrovnik, Croatia to Bari by boat in mid-March. Has anyone taken a boat across? Is it nice or can it be choppy? (We are trying to avoid planes, to reduce our carbon footprint, so adding more surface travel.) Also, any info you might be able to offer about Bari and the surrounds? Next step will likely be trains up Italy as the Spring progresses.
Hello all,
Iโm planning on spending a couple of month in Mauritius Island and even when Iโve been there for a week, never rented or worked there.
Does anyone here has tips or experience to share about Mauritius?
Cheers!
Hi, Iโve seen that Nomad List offers different options that could work for connecting with other nomads that are in the same place as me (forum, Slack, user maps, matches and maybe even more options I havenโt seen), but Iโm not sure what is the best/recommended way to use all these options.
Should I use all of them? Start with a message in the forum and/or Slack?
Sending private messages to a lot of people feels a little bit โaggressiveโ. And matches are not based on current location if I understood it correctly.
By the way, I just arrived at Budapest 
Iโm surprised this isnโt anywhere on the forum yet. But just a pro tip for Americans about to start a nomad adventure. T-mobile offers unlimited SMS & data in 120 countries for FREE with any of their (already pretty cheap) plans. Itโs ideal if you plan to be back in the US for any part of the year, but I honestly would consider it even if youโre going to be entirely out of the country.
You get bumped down to much slower 3G speeds, but itโs free and works as soon as you land. Can be super helpful before youโve sorted yourself out with a local SIM. I usually keep my T-mobile SIM in my iPhone all the time and then buy a local SIM and drop it in my pocket wifi for both laptop and iPhone when needed. I keep my local US number and just use it (itโs like $0.05/min in most places) for important clients calls so they donโt have to bother with Skype.
Iโm not affiliated at all, just a happy customer. Anybody found a better deal worth mentioning?
I have been a digital nomad for the last couple of years. I have always worked in tech and now run a couple of profitable online businesses that give me a reliable income and allow me to fund a nomadic lifestyle.
I recently exited one of my businesses and I am considering to invest the income from the sale in properties, mainly for 2 reasons:
a) I donโt want to keep wasting my money in renting apartments across the cities I stay
b) I believe in properties as investment and I want to diversify my investment portfolio (mainly stocks)
After years of constant wander from one place to another, now I am the type of digital nomad who sticks to few locations: I mainly rotate across 4 places each year (San Francisco, Medellin, Berlin, Bali). Buying a house in each of those location would be difficult and too expensive. Therefore, I was wondering if there was any sort of service that combines an investment opportunity with the ability to access different properties around the world (even if just for a limited time per year) ?
Imagine living in 4 cities per year and having a house in each place that you can exclusively use for 3 months and at the same time having your investment growing (this depending on the market, of course). Wouldnโt that be great? I believe it could be done via a property fund selling you a share and giving you access to some of their properties for a limited timeframe each year.
Has anyone heard of anything like that?
Thanks!
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