world nomads insurance question

Residency is a legal term. It actually has nothing to do with where you 'live' on any given day. More relevant is where would you want to be repatriated to in the event of a major illness or accident. In this case Vermont probably makes sense unless you would want to go to where your parents live.

Your legal 'residency' is basically where you say it is. If you say it is Vermont you are then saying you will abide by Vermont laws etc. The policy underwriter is likely to be a Vermont underwriter providing a policy that meets Vermont law and regulations regarding insurance.

So bottom line, it isn't a problem. Just think of it as your 'residency' is where you will return to after your travel. Even if you only 'live' there for a day when you return.

You should also consider what you are going to do about maintaining coverage in the USA while you are away. Read this thread: http://www.lonelyplanet.com/thorntree/thread.jspa?threadID=2298541

Thank you!

When I contacted World Nomads after an injury in Thailand, they did not bother to reply even though they say on the website they do so in 48 hours.

I think purchasing World Nomads insurance is fine if you don't need to ever use it.

Such a simple statement is meaningless eurozhongguo. There are plenty of review sites with comments by people who HAVE claimed sucessefully with World Nomads. So just what does your comment prove? Answer, nothing other than you say you didn't get a call back.

Now let me ask. Did you call them again and if so what happened? If you did not call them again, why not? What was your 'injury'? Did it go away in 48 hours and so you didn't care if they called back or not? Did you just abandon your insurance because they didn't call you in 48 hours?

Your comment makes no sense eurozhongguo.

I didn't call them again. I did get a message to say another department would reply to my enquiry, but that was it. I heard no more. So, I paid the bills out of my own pocket and I had chosen a state-run hospital where a nurse friend works to minimize costs.

For the record, the injury has not yet healed as it was very serious, but it is getting better every day and will be OK in afew more weeks. It is now 10 weeks since I injured myself. I had to miss several weeks' work at the beginning for which my employer docked my pay since I work in China for a Chinese company. I could have returned to China, but not without an air ambulance. I obviously wouldn't have been able to afford that out of my own pocket . Since I had been given one month's medical certificate in Thailand and told to immobilise my foot, I decided to stay on in Thailand for an extra month. I would have found it far harder to survive in China with my injuries than in Thailand since Thai people are far more compassionate than the Chinese.

So, all in all, it proved a rather expensive affair, but since I am on a good salary in China, I could afford paying the bills as they were not excessive, but the point of insurance is not to pay yourself.

I am glad that World Nomads works for other people. It didn't work for me though.

Again eurozhongguo I have to wonder at what you write. You called WN once and then didn't call again. You have an ongoing medical condition that has cost you money. What is stopping you from calling/e-mailing WN again and making a claim? All I read is you just gave up after one phone call.

You are either being foolish or there is something you are not saying. Contact WN again and make a claim. WN do pay claims UNLESS the circumstances under which you were injured are not covered by the policy.

It is evident that Traveliinstyle46 works for World Nomads or has a vested interest in the company.

Pa hawl sydd gennyt ti ofyn cwestiynau i mi am fy iechyd? Rwy'n sicr fy mod yn adnabod cwmni yswiriant gwael pan ddof ar draws un. Fy newis i yw a ydw i am wneud cais am yr arian yn ol ai peidio.

I work for no one ourozhongguo. I haven't needed to work for the last 24 years. I retired very early in my life by most standards. That's because I knew how to make money and how to make an insurance claim. LOL

With any kind of insurance you have to follow up. First laws of bureaucracy. Calling just once is not enough; if you'd followed up multiple times and still had no response, your comments would have more credibility.