Visas · insurer fileWorld Nomads
World Nomads eligibility rules
The adventure-activities heavyweight. Every row below is taken from World Nomads's own policy wording, FAQ or terms, with the date we last checked it.
The rules in full
| Rule | Answer | What the wording says | Confidence |
|---|---|---|---|
| Who can buy it | Many countries | Residents of 100–140 countries via regional storefronts, but EU sales currently limited to Belgium, Denmark, Germany and the Netherlands. | verified |
| No fixed country of residence | No | Quote flow is keyed to country of residence. | partly |
| Buying after you have left home | Yes | Can buy mid-trip; 72-hour waiting period before full cover kicks in. | verified |
| Maximum age | 69 | 18–69 for Standard/Explorer; 70+ referred to Silver Nomads (US only). | verified |
| One-way and open-ended trips | Yes | One-way tickets covered, 1 day to 12 months. | partly |
| Longest trip | 12 months | Extendable up to 12 months (US residents: 180-day max single trip). | partly |
| Pre-existing conditions | No | Generally excluded, no screening (limited US waiver exists). | verified |
| Cover in the USA | Yes | US covered as a destination; priced in. | verified |
| Schengen visa certificate | With conditions | Plans exceed €30k medical; certificate 'should be accepted', not a dedicated visa product. | partly |
| Winter sports | Yes | Core strength. 150–300+ activities by tier. | verified |
| Scuba diving | Yes | Covered within activity tiers (depth limits apply). | verified |
| High-altitude trekking | Yes | Covered within activity tiers (altitude limits by tier). | verified |
| Scooters and motorbikes | With conditions | Covered in many markets if locally licensed + helmet; engine-size rules vary by residence. | partly |
| Working abroad | Not verified | Many work-adjacent activities covered; manual work generally excluded. | low |
| Trip cancellation | Yes | Included; limits vary by market and plan. | verified |
| Families | Yes | Family plans available in most markets. | partly |
Who underwrites it
Varies by residence (Lloyd's underwriters AU/NZ; C&F US). The carrier matters more than the brand: it is the entity that actually pays your claim and the one whose regulator you would complain to.
Our commercial relationship
We may earn a commission if you buy through our link to World Nomads. That is disclosed on every link, and it never changes where they appear or in what order. Flat fee per QUOTE (tiered); strict content rules, no comparisons or 'best' claims.
Sources: worldnomads.com, worldnomads.com. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.