I’ll add my bit on WorldNomads: don’t trust them and read reviews online - that aren’t from travel bloggers.
They stiffed me over a relatively minor medical bill, and not by straight up saying “we won’t pay you”, but just asking for more onerous paperwork until I gave up (and by onerous I mean requiring things that were impossible to provide or answer). And that’s after I finally managed to file the initial claim - which is ridiculously hard and the website kept glitching out - which I believe is deliberate.
So obviously if they’re going to do that for a minor one, and the whole reason I was buying it was if I got wrecked in either an accident or illness, so much for “peace of mind”. You’d probably have to sue them to get the money out of them (and court cases tend to drag out a fair bit longer than a tropical disease take to kill without treatment…).
The biggest thing to note about them is where most of their advertising is coming from. They’re deliberately getting all the major travel bloggers on their payroll, selling out without concern for their fellow travelers’ safety. Everything surrounding WorldNomads is dodgy to say the least. But don’t take my word for it: search reviews yourselves (that aren’t from travel bloggers).
I looked into SafetyWing as an alternative, but doesn’t seem that great. The limit is too low (250K isn’t enough to cover catastrophic events if you look up how much those usually cost – needs at least 0.5M, esp. if you go to US - which is a separate option but same limit for some silly reason), the claim process is manual via mailing them and has a long lead time, and the underwriter is Tokio Marine based in Bermuda as far as I recall from reading the Ts&Cs (so if they don’t pay, good luck suing it out of them).
I’d be interested in them if they’d raise the limit or give an option to, and they had an online claiming system, and good authentic reviews from people who claimed.
Currently I’m on a plain travel insurance (meaning will have to return after a year). Will probably have a look at those international medical insurance plans for next round, but they’re designed to act as a full primary care cover – and given the country I’m still legally resident in has public health care (which, by residency, means also I’m paying them taxes for that), all I’m really looking for is medevac travel insurance that’s perpetual.