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      February 19, 2020

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Squaremouth vs World Nomads

Best Travel Insurance

To help you find the Best Travel Insurance, TopConsumerReviews.com provides you with an in-depth comparison of Squaremouth and World Nomads.

To see ALL of our reviews for the Best Travel Insurance, please Click Here

Who has the best travel insurance? The last time you took a trip, did you have travel insurance? If you were impacted by a natural disaster, suffered the hassle of lost baggage, or had a medical emergency, chances are good that you were wishing you had purchased a policy!

When it comes to tavel insurance, some people make the mistake of thinking that their credit card company offers protection, only to find out that their travel problems aren't covered. Other people forego travel insurance, assuming that their traditional health insurance policy will be enough to cover medical expenses - only to discover that it can't be used in another country.

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2020

Travel Insurance Reviews

5 stars
Squaremouth

SQUAREMOUTH

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TopConsumerReviews.com Best-In-Class Blue Ribbon Award With over one million insured customers, Squaremouth is no lightweight when it comes to travel insurance. With over 15 years in the travel insurance industry under their belt, Squaremouth has been internationally acknowledged as having one of the best customer service teams in the world. And, with more than 10,000 positive reviews from happy customers, this company stands out as the best travel insurance company.

One helpful feature of the Squaremouth site is the prominently-featured list of Current Events. You may not be aware that certain situations are not covered unless you purchase your travel insurance before the occur; named storms, transportation strikes, and acts of terrorism are just a few of these types of events. Squaremouth makes sure you know what's going on worldwide, so you can be better informed about your travels and your insurance coverage.

There are a number of features why Squaremouth leads the pack in terms of travel insurance. Some of these include:

  • You can quickly find the policy you need from 23 different companies. They only sell policies from the most stable companies, and any that don't measure up to their promises are eliminated from the Squaremouth provider list. They call that the Zero Complaint Guarantee.
  • You only pay for the coverage you need. This comparison site actively tries to get you the lowest possible price for the insurance your travels require, instead of attempting to upsell you a more expensive policy that's bloated with coverage you won't need.
  • Award-winning customer service representatives are available 7 days a week from 8a-10p Eastern. Whether you need help choosing a policy or making a claim, you'll find someone who can help.

Getting your quote is easy. After answering a few questions, such as the date of your trip, where you're going, and how many people you'd like to cover with your insurance, Squaremouth quickly narrows down the 100+ travel insurance policies to just the ones that fit your trip. You'll also be asked the trip cost, and whether or not you want to include cancellation coverage. If you're trying to book a multi-trip policy or coverage for a group, be sure to click on those links in the box at the top of the quote page.

Fun fact: as you enter your details, you can see how many other travelers Squaremouth has insured who match your demographic. There were almost 100,000 people in our age group, 27,500 who had the same trip cost, 760 that were going to our destination country, and 61,000 people from our state of residence. Squaremouth isn't kidding when they say, "We insure people like you"!

After Squaremouth processed our information, we were given a list of 21 policies that matched our needs. We liked that Squaremouth also makes it possible to see the policies for which we were ineligible for various reasons (such as purchasing our policy too many days after making the initial deposit). You can use the filters on the left side of the page to narrow down the options by specific coverage, like Cancel for any Reason and Medical Evacuation; the most common filters are listed at the top, and you can scroll down to find more detailed filters like Money Back Guarantee (under Other Benefits) or Sports (Hazardous and/or Amateur).

At the top of the results page, you can easily sort all of your results by cost, provider, popularity/reviews, or even by a particular coverage aspect like Cancel for Work Reasons. It just can't get any easier to find the right policy at the right price.

Because of their extensive selection of providers and policies, ironclad commitment to their customers, and streamlined search features, Squaremouth is our favorite site for purchasing travel insurance. They earn our ighest rating for the best travel insurance.

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3 stars
World Nomads

WORLD NOMADS

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If you're planning a trip that includes high-risk sports, activities, or adventures, World Nomads is one of the few places where most of them will be covered as part of their standard policy - though the riskier ones do require you to upgrade to their Explorer package. Here are some of the activities they do cover in the event of an injury:

Standard

  • Acrobatics
  • Air guitar (!)
  • BMX
  • Bungee jumping
  • Elephant riding
  • Flying in a glider or ultralight
  • Jet skiing
  • Mountain biking
  • Paintball
  • Scuba diving to 165 feet
  • Snorkeling
  • Surfing
  • Wakeboarding
  • Zip lining

Explorer (also includes everything in the Standard package)

  • Abseiling
  • Ballooning
  • Bobsledding
  • Bouldering
  • Bull riding
  • Cave diving
  • Cliff diving/jumping
  • Hang gliding
  • Jet pack
  • Parachuting/Skydiving
  • Rappelling
  • Running with the bulls
  • Spelunking
  • Wingsuit flying

In fact, the only activities we found that were specifically excluded from any coverage were Base Jumping, High-Altitude Mountaineering.

One huge restriction with World Nomads: you have to be under 70 years of age to be eligible for their policies, eliminating any older adventurers from getting their next bungee jump or safari covered. Another drawback is that there is no coverage at all for pre-existing conditions; most of their competitors cover such conditions as long as the insurance is purchased within a certain amount of time prior to travel.

World Nomads does have fewer coverage options overall; you only get to choose between the Standard and Explorer levels of coverage, which limits you to the following:

  • Emergency Accident/Sickness: $100,000
  • Emergency Dental: $750
  • Emergency Evacuation/Repatriation: $300,000/$500,000
  • Non-Medical Emergency Evacuation: $25,000
  • Trip Cancellation/Interruption: $2,500/$10,000
  • Trip Delay: $500/$1,500
  • Baggage/Personal Effects: $1,000/$3,000
  • Baggage Delay: $750
  • Accidental Death/Dismemberment: $5,000/$10,000

Missing from World Nomads' coverage is any option to "cancel for any reason" or "cancel for work reasons" - so if you get scheduled for a work conference or lose your job and can't afford your adventure, you'll be out of luck.

On the other hand, a big perk that World Nomads offers is the ability to get coverage while traveling: in other words, if you're on a fabulous trek through the Australian outback and decide to extend your trip, World Nomads can also extend your insurance coverage. We were able to get a policy for travel that started on the following day.

Also, when we looked for coverage for a trip starting in 8 months, we were also able to get a quote - a vast improvement over World Nomads' previous coverage, which only allowed for trips with start dates ranging from two weeks to three months from the date the quote was requested.

In short, for one particular type of traveler - the adventurous sort - World Nomads is an excellent choice for travel insurance. But, for the average trip-taker, they will probably find a more comprehensive range of policies with another provider.

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Continued from above

Like most types of insurance, travel insurance is bought in the hopes that you'll never need it. But, for most travelers, it's worth the added expense for the protection it provides.

Just like more traditional forms of insurance, such as medical and auto, travel insurance varies in terms of coverage, options, and costs. Depending on what you select, your policy may cover just the bare basics, like trip cancellation/interruption and baggage/personal items coverage. Or, you may opt for a very comprehensive plan that allows you to cancel your trip for any reason - not the standard list of covered cancellation reasons - and includes coverage for accidental death, emergency evacuation from a foreign country, and so forth.

There are many different companies that specialize in travel insurance. How do you know which one to choose? As you consider your options, here are several aspects to keep in mind:

  • Reputation. Does the travel insurance company have an established track record for customer satisfaction, not just during the process of buying a policy, but more importantly when claims are made? Has the business received any accreditations from A.M. Best or the BBB?
  • Selection. Can you find a wide variety of policies through this business? Do you have the ability to add on optional features, like Cancel for Work Reasons or Pre-existing Conditions coverage?
  • Cost. Does the site offer policies within your budget range? Travel insurance premiums are strictly regulated, but not every site offers policies on both ends of the price spectrum and everywhere in between.

TopConsumerReviews.com has reviewed and ranked the best Travel Insurance companies currently available. We're confident that this information will help you select the right travel insurance policy to cover yourself - and your travel companions - in the event of any unforeseen complications with your trip!

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