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Standard vs Explorer vs Explorer Plus Plans

Why three 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 three plans with different levels of cover so you can choose one to suit your needs.

Three plans to choose from

World Nomads offers three plans – a Standard Plan. an Explorer Plan and an Explorer Plus Plan – each with different benefits, limits and sub-limits of coverage.

  • Standard Plan: Includes a range of benefits such as overseas emergency medical, cover for your belongings, pre-trip cancellation and certain adventure activities.

  • Explorer Plan: Has all the benefits of a Standard Plan and a few more, including COVID coverage, plus higher coverage limits and/or sub-limits. 

  • Explorer Plus Plan: Has all the benefits of the Standard and Explorer Plans, with the highest coverage limits and/or sub-limits of all three plans.

Please choose carefully from the outset, as you can’t upgrade from a Standard Plan to an Explorer or Explorer Plus Plan mid-trip. 

An easy way to see the differences is in the coverage 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. For Brazilian residents, we partner with Chubb to administer our plans, emergency assistance and claims. 


Which plan should I choose?

That’s your decision to make. Ask yourself, how much coverage 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.

This is only a summary of cover and does not include the full terms and conditions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

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.
    L.D.
    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.
    A.B.
    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.
    T.R.
    Canadian in Malaysia

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip against unexpected cancellation.

  • Explorer Plus: USD $1,500
  • Explorer Plan: USD $1,000
  • Standard Plan: USD $500
Trip Protection
  • Come to a sticky end?
  • Called to jury duty?
  • Been made redundant?

We’ve got your back.

Medical Expenses Overseas

Take the pain out of medical costs.

  • Explorer Plus: USD $100,000
  • Explorer Plan: USD $70,000
  • Standard Plan: USD $30,000
Medical Expenses Overseas
  • Need drugs?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation and Repatriation

Emergency medical transportation: we’ll get you to hospital or home quickly.

  • Explorer Plus: USD $80,000
  • Explorer Plan: USD $60,000
  • Standard Plan: USD $40,000
Emergency Evacuation & Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • You or a family member dead?

Help starts here.

Checked-in Baggage Loss

Covers the loss, theft or damage of your bags by a common carrier.

  • Explorer Plus: USD $1,200
  • Explorer Plan: USD $1,000
  • Standard Plan: USD $500
Checked-in Baggage Loss
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Trip Cancellation or Interruption
  • Baggage
  • Emergency Medical Evacuation & Repatration
  • 24 Hour Assistance Services
  • And more (depending on your country of residence)
This is a general summary for Brazil residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team 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?

Your World Nomads policy is provided through Chubb Seguros:

Phone: +1 212-315-1806 (from anywhere in the world)

Phone: 0800-591-1043 (from Brazil)

WhatsApp message: +54 911 3053-3959

Get an instant travel insurance quote

Simple and flexible travel insurance designed by travelers, for travelers. See why over 3 million travelers have chosen World Nomads for more than 20 years.