World Nomads Travel Insurance & JoHo



World Nomads Insurance & JoHo


World Nomads Travel Insurance


  • Good coverage for independent travellers, backpackers, students and volunteers

  • Flexible: extend when your plan changes

  • Possible to apply, even when you are already abroad

  • Online claim procedure, so you can get your money back on-the-go

  • Available for travellers from most countries (but currently not for EU residents)

  • Covers most adventurous activities

  • Worldwide emergency assistance, should something go wrong

  • Coverage for medical & emergency evacuation, baggage, cancellation costs, dental and liability depending on your country of permanent residence

  • Additional coverage for digital nomads, with extended coverage for cameras, laptops, notebooks

  • All revenues form purchasing this insurances through JoHo will be used for the JoHo & Smokey Slum projects

Purchase the Insurance through JoHo!

Your complete referral fee will contribute to the projects of the JoHo Foundation


Choices & Coverage


World Nomads Travel Insurance: Choices & Coverage

World Nomads Travel Insurance: Choices & Coverage

Choices & Coverage


What's covered in the World Nomads travel insurance?


You need Medical help for sudden illness or injury. Cover emergency overseas medical treatment including treatment in a clinic or hospital, plus medicines and physiotherapy as prescribed by your treating Doctor to get you well and keep you travelling.
You need emergency medical evacuation for Sudden Illness or injury. Cover your transport to the nearest, appropriate medical facility, which also includes your medical repatriation for further treatment at home. Plus it includes, reasonable additional travel and accommodation expenses for a friend or relative to accompany you while you're in hospital and/or during repatriation.
You have to cancel your trip due to unforeseeable events outside of your control. Covers the costs to cancel all or part of your trip including other pre-booked expenses in specific circumstances including a sudden illness or serious injury or natural disasters.
Your gear is stolen or damaged whilst travelling. Cover theft or accidental damage of your gear such as iPads, laptops and digital cameras in specific incidents up to individual item limits.

Which insurance package fits my situation and needs?


You can choose between the standard and explorer coverage. To illustrate the difference between these two insurance packages, different areas of coverage have been included below:

Overseas Medical & Dental Expenses

  • Standard: €3,500,000 
  • Explorer: Unlimited

24 Hour Emergency Assistance

  • Standard:Unlimited                            
  • Explorer: Unlimited

Emergency Medical Transport, Evacuation, Repatriation & Travel Expenses

  • Standard: €350,000                             
  • Explorer: €350,000

Pre-Trip Cancellation

  • Standard:€3,500                                  
  • Explorer: €7,000

Trip Interruption

  • Standard:€2,500                                   
  • Explorer: €3,500

Resumption of Trip

  • Standard:€1,000                                   
  • Explorer: €2,000

Travel Delay

  • Standard:€350                                     
  • Explorer: €700

Missed Flight Connection

  • Standard: Not included                        
  • Explorer: €700


  • Standard: Not included                       
  • Explorer:  €700

Special Event Cover

  • Standard: Not included                        
  • Explorer: €350

Baggage & Personal Effects

  • Standard: €1,700                                  
  • Explorer: €2,500

Passport & Travel Documents

  • Standard: €350                                       
  • Explorer: €700

Personal Liability - Physical Injury or Property Damage

  • Standard: €700,000                                
  • Explorer: €1,750,000

Rental Vehicle - Insurance Excess

  • Standard: Not included                            
  • Explorer: €1,500

Personal Accident

  • Standard: Not included                           
  • Explorer: €15,000


World Nomads Travel Insurance: Coverage additional package for Digital Nomads

World Nomads Travel Insurance: Coverage additional package for Digital Nomads

  • People that would like to combine their travels with work may have higher expectations of an insurance as they often travel with more luggage or expensive equipment.
  • When you consider yourself a Digital Nomads this additional package is ideal for you.

Smart phones & Tablets

The extension covers iPhones, Smartphones, iPads, Kindles, Tablets and other handheld computers.

Cover applies when:

  • It is stolen while you are carrying it or where it is supervised and within your reach and view.
  • It is stolen from a locked safety box or compartment which is out of public view and public access and where there is visible sign of forced entry.
  • It is accidentally damaged by fire or natural disaster while you’re travelling.

Cameras & Lenses

World Nomads travel insurance has been designed for travellers with cameras of every variety. Photography gear can be expensive and it might be a good idea to insure your equipment.

For example, a travelling photographer may  carry the following:

  • Nikon D800 with 50mm lense $3,000
  • 85mm prime lense $1,000
  • 25mm Zeiss lenses $1000
  • Mamiya 6 film camera $1,750

Remember, if you have to make a claim, World Nomads will calculate depreciation due to age, wear and tear, except those items which you've specified as high value items.

High value items are covered when:

  • They are stolen while you are carrying it or where it is supervised and within your reach and view.
  • They are stolen from a locked safety box or compartment which is out of public view and public access and where there is visible sign of forced entry.
  • They are accidentally damaged by fire or natural disaster while you’re travelling.

Laptops & Notebooks

  • Laptop Computers have become much cheaper in recent years, and are sometimes covered by the standard level of cover. However, if you are carrying a higher end laptop you might want to consider extending your insurance with the insurance for high value items.
World Nomads Travel Insurance: Coverage adventure and sports activities

World Nomads Travel Insurance: Coverage adventure and sports activities

Standard sports plus activities you find in the list below. Coverage for these activities may vary per country of residence, and per coverage (standard or explorer). For some activities you have to purchase additional coverage, as mentioned below.

Choose the optional upgrade level to be covered for this activity:

Winter Activities

  • Skiing
  • Snowboarding
  • Bobsledding
  • Snow tubing
  • Glacier walking

Water Activities

  • Surfing
  • Kite Surfing
  • Canoeing
  • White water rafting
  • Stand up paddle

Mountain Activities

  • Abseiling
  • Trekking
  • Hiking

Sporting Activities

As long as you’re not competing as a professional, you can get coverage for the following sporting activities:

  • Athletics
  • Rugby
  • Football
  • Tchoukball
  • Ultimate Frisbee

Biking Activities

  • Mountain biking
  • Bicycle polo
  • Quad biking
  • Cycle touring
  • Motorbiking

Adrenaline Activities

  • Bungee Jumping
  • Tough Mudder
  • Zorbing
  • Fly by Wire
  • Kite Wing

You can check the full list (over 200 activities) when you get a quote


Get a Quote & Apply


World Nomads Travel Insurance: Purchase or get a quote

World Nomads Travel Insurance: Purchase or get a quote


You can apply for the World Nomads Insurance online and pay by credit card.


Get a quote or apply for this insurance 


What should I take into account before purchasing?

  • Policy conditions and adventure sport coverage differ depending on country of permanent residence
  • Age limit may vary, depending on country of permanent residence
  • Insurance can only be purchased with credit card
  • Does not offer war & high risk zone insurance
  • Cover is available to residents of the many counties listed on the World Nomads website, but currently not available for EU residents.
  • No policy refund available should you return home early


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    Contact & Insurance Advice



    Online & Mail: use the contactform

    Tel & Appointments +31 (0)88-3214567 (Monday-Friday 12.00-16.00)

    JoHo support centers in NL: The Hague & Leiden

    Why Insurances through JoHo

    Why Insurances through JoHo

    • Specialized: in emigration, work, internships, study and travel abroad.

    • Service: JoHo offers multiple travel insurances by multiple companies. Thanks to JoHo's extensive experience, it can offer support in case of problems with insurers, as well as advice and fast and personal handling.

    • Safe: JoHo is recognized as a trustworthy intermediary for insurances.

    • Social: by purchasing an insurance through JoHo you provide a talented student in The Philippines with health insurance

    Why Should You Take Out A Travel Insurance?

    • The chance of getting injured or ill is generally higher than when you would have stayed at home. The medical care you will need can be very expensive, even more so if you are treated in a private clinic.

    • If you have to fly back because of family circumstances, the flights might be more expensive than your original flight because you have to fly on short notice.

    • You might have to deal with the damage, loss or theft of your luggage.

    • In case of emergency it can be difficult to figure out what to do. A good travel insurance will have an assistance team on standby for you 24/7 and will be able to tell you what steps to take.      

    Why Should You Specifically Take Out A Travel Insurance For A Long Trip Abroad?

    • Often regular travel or health insurances only cover trips for a maximum number of days (for example 60, 90 or 180 days). 

    • Depending on your home country, your health insurance might not offer any coverage for treatment abroad.

    • During a long trip you might consider specific activities, like paid work or volunteering. Regular travel insurances often don’t cover these kind of activities. The same goes for adventurous/ hazardous sports like skydiving, scubadiving and bungee jumping.

    More on why to use JoHo

    • JoHo is one of the few organisations  where you can directly purchase a comprehensive range of foreign insurances from a variety of insurers. As with our other products and services, we believe that you should be able to choose between the best, the most cost effective and the most specialised insurance.

    • JoHo offers various possibilities from combining insurances to assisting in transferring from one insurer to another.

    • When you purchase an insurance policy through JoHo, you will not pay more than if you had purchased it directly from the insurer. Sometimes (through special collective agreements) you will even pay less.

    • JoHo offers support with problems that may arise with the insurer. Sometimes disagreement with claims, cancellation notice or insurance premiums can occur. In this situation it helps if you have the assistance of an organisation who has an established relationship with the insurer.