Have a question? You’re in the right place.
Frequently Asked Questions
Have a question?
You’re in the right place.
Frequently Asked Questions
Travel Medical Plan: For non-U.S. Residents. Best if you have short-term workations, business trips, leisure vacation, or something similar. Primarily for travel medical coverage from 7 days up to 364 days. Choose from your desired medical maximum, deductible, and preferred area of coverage.
Trip Protection Plan: For U.S. residents only. Best if you are traveling overseas and need more than just short-term medical coverage. We will protect your trip from trip cancellations, medical needs, evacuation, travel benefits and more. 50, 250, and 500 plans are in line with their respective amounts of medical maximum coverage: $50,000, $250,000, and $500,000. Choose from your desired medical maximum, deductible, and preferred area of coverage.
Annual Multi Trip Plan: Best if you know your travel plans for the year and come back home in between trips. Coverage available for 30, 45, and 90 day plans.
Yes! Our Insured Travellers Med+ and Annual Multi-Trip Plans are designed for global citizens in mind.
Insured Travelers Med+ & Annual Multi-Trip Plans: Yes, you may purchase after you have left / your trip had began.
Insured Travelers Trip Protection Plan: No, because Trip Cancellation coverage will begin on Your Effective Date. No coverage can be purchased after a person departs on a trip. Plan is ideal for US residents on a defined trip.
Insured Nomads accepts all major credit cards online. Restrictions may apply to credit cards from certain countries included in the OFAC Sanctions List.
Insured Travelers Med+ coverage starts at 12:01 AM EST on the date indicated on the Confirmation of Coverage Document or the moment you have left home or passport country.
Insured Travelers Annual Multi-Trip coverage begins the moment you have left home or passport country.
Insured Travelers Trip Protection coverage begins on the effective date, which is typically the day you depart for your trip.
- Belarus
- Cuba (US citizens permitted to travel under certain defined circumstances)
- Iran (Islamic Republic Of)
- Iraq
- Libya
- Russia Federation
- Syrian Arab Republic
- North Korea
- Yemen
- Afghanistan
- Haiti
- Myanmar
- Sudan (including South Sudan)
You can see Policy Documents for all Insured Travelers Plans at https://insurednomads.com/insured-travelers-plan-documents/
We partnered with United States Fire Insurance Company and Crum & Forster – A+ rated by AM Best – to design the Insured Travelers plans with travelers like you in mind.
Yes! Our online quote system can quote up to 15 people at a time. If you have more than 15 people traveling in your group, please reach out to members@insurednomads.com for a quote. Please include the following for each individuals traveling:
- Legal Name
- DOB/Age
- Physical Address
- Phone Number
- Country or State of Residence (if U.S. resident)
Guardian by Insured Nomads is a membership program that includes crisis response, assistance, airport lounge access, evacuation for political unrest/terrorism/natural disaster, and much more. Information will be provided when you purchase your policy in the welcome/receipt email. See more at www.insurednomads.com/guardian-membership.
Yes for any country that is Level 3 travel advisory status or lower with the US Department of State, COVID-19 is covered up to the medical maximum of the policy. The policy does not cover quarantine lodging due to testing posting for COVID-19. Covid-19 tests and vaccinations are not covered items.
The policy is still valid for all non-COVID related claims if the country you are in is Level 4. Check the US Department of State Travel Advisory status, click here.
We assume you have a primary plan back in your home country. When traveling outside your home country, Insured Nomads will direct you to medical services and work with your primary medical provider.
With the Insured Travelers Travel Insurance network, you may access any licensed and certified healthcare provider in the country where you are receiving care.
Feel free to choose the provider of your choice. We will work with that provider to directly settle your medical charges with us. If you need help, please contact us and our Global Medical Director will assist you.
Please be advised that in most cases, our claims payout will be a reimbursement method, unless approved otherwise by our team.
Insured Travelers: See Policy Documents at https://insurednomads.com/insured-travelers-plan-documents/
World Explorer: For trips outside the USA, we can cover up to 364 days of travel. For foreign nationals to the USA, we can cover up to 90 days per trip.
World Explorer Guardian: It is 90 days for the Guardian 50 and 250 plans and 180 days for the Guardian 500 plan.
Yes, provided you enroll them before your travels. We have many members who take their family with them on business trips and sojourn on the weekend or post-business trip. Please feel free to add eligible dependents.
Insured Nomads can cover all your global trips.
Yes, the evacuation benefit pays for medical evacuation to the nearest hospital or appropriate medical facility. Aside from the medically underwritten portion there is also our benefit as part of the Insured Nomads Community/INC membership provide evacuation and relocation services for political unrest, terrorism and natural disasters.
Add the Insured Nomads Community app to have access to 24/7 instant response with our safety and security operatives.
Get it on the Apple App store via this link, and the Google App store via this link. Use your policy number as the ‘subscription id’ when requested.
No, it is not necessary to inform us every single time you move around. We made Insured Travelers plans with global citizens in mind.
Please be advised that there are coverage limitations to certain countries included in the OFAC sanctions list under the “Get Started” tab.
Yes, medical emergencies are covered through all Insured Travelers plans.
Yes, emergency evacuation coverage is included in all Insured Travelers plans.
Yes, repatriation is included in all Insured Travelers plans.
Yes! Our Insured Travelers Trip Protection (for U.S. residents only) can cover cruises.
Insured Travelers Med+ and Annual Multi-Trip Plans: yes, covers you for Trip Interruptions and Delays.
Insured Travelers Trip Protection Plan: yes, covers you for Trip Cancellations, Interruptions, Delays, Missed Connections, and more.
Yes, there is limited coverage included for all Insured Travelers plans.
Yes, as an optional add-on for Insured Travelers Med+ & Annual Multi-Trip plans, replace the your laptop, cell phone or other electronic equipment owned by or leased if lost, stolen, damaged or destroyed during the trip.
Med+ and Trip Protection plans both have limited coverage for Baggage & Personal Effects built into the plan.
Yes, as an optional add-on for Insured Travelers Trip Protection plan.
Yes, as an optional add-on for Insured Travelers Trip Protection plan.
Optional add-on for Med+ and Annual Multi-Trip Plans: Reimbursement to cover the necessary additional kennel fees or expenses if the Plan Participant is delayed past the Scheduled Return Date for at least 6 consecutive hours while en route to the Plan Participant’s Return Destination if they have a covered Trip Interruption or Trip Delay claim.
Optional add-on for Med+ only: Reimbursement up to the Maximum Benefit US $2500 for the cost of unused, forfeited, prepaid nonrefundable Event Ticket(s) and Registration Fee(s) the Plan Participant paid for the event, if the Plan Participant is unable to attend or complete the event due to any of the following covered reasons in the plan.
Optional add-on for all Insured Travelers Plans: Covers more adventurous activities up to the medical maximum. These activities include: B.A.S.E. jumping • Free diving • Bungee jumping, • Hot air ballooning • Parachuting • Skydiving • Cliff diving • Hang gliding • Heli-skiing and heli-snowboarding • Wingsuit flying • Rock climbing without equipment • Bodily contact sports • Mountain Climbing over 9,000 feet (2,700 meters) • Motor sport or motor racing • Multi-sport endurance competitions • Scuba diving if the depth exceeds 131 feet (40 meters) and any activity materially similar to the above Maximum benefit.
Yes, we don’t exclude injuries or illness related to a terrorist act.
Also, our partners at Healix provides relocation/evacuation for terrorism through the TravelOracle app, which comes with your policy.
Insured Travelers Med+ & Annual Multi-Trip Plans: Adventure & Extreme Sports cover
Insured Travelers Trip Protection Plan: Accident and Sickness Medical Expense (Adventure and Extreme Activities)
Insured Travelers Med+ & Annual Multi-Trip Plans: Not available.
Insured Travelers Trip Protection Plan: Available as an add-on.
Insured Travelers Med+ Plan: Included in plan
Insured Travelers Annual Multi-Trip Plan: Not available.
Insured Travelers Trip Protection Plan: Add-on available as Rental Property Damage Liability.
Insured Travelers Med+ & Annual Multi-Trip Plans: Available as optional Electronic Equipment Cover
Insured Travelers Trip Protection Plan: Available as optional Baggage and Personal Effects (Electronic Equipment Coverage)
Insured Travelers Med+ Plan: Available as an optional add-on.
Insured Travelers Annual Multi-Trip Plan: Included in plan.
Insured Travelers Trip Protection Plan: Not available.
Insured Travelers Med+ Plan: Available as Event Ticket & Registration Fee Protection
Insured Travelers Annual Multi-Trip and Trip Protection Plans: Not available.
Insured Travelers Med+ & Annual Multi-Trip Plans: Not available.
Insured Travelers Trip Protection Plan: Available as an add-on to cover things like Rainy Vacation, Closed Attractions, Beach Closure, Rental Vehicle Breakdown, Credit/Debit Card Cancelled, Rental Property Lockout
Insured Travelers Med+ & Annual Multi-Trip Plans: Not available.
Insured Travelers Trip Protection Plan: Available as an add-on to cancel your trip for any reason.
Insured Travelers:
If you need to file a claim, our team is here to assist you. You can submit your claim quickly and securely through our online portal:
Submit a Claim: Insured Nomads Claims Portal
Claims Support Email: aciclaims@acitpa.com
Claims Assistance Phone: +1 610 293 9229 / toll free +1 888 293 9229 in the USA
For more details on the claims process, required documentation, and reimbursement timelines, please visit our Claims FAQ.
All claims must be filed within 60 days of the date the expense is incurred.
IMPORTANT:
To facilitate prompt claims settlement, You will be asked to provide proof of Your loss. Please obtain the following + your policy confirmation documents:
1.) For medical claims – detailed medical statements from treating physicians where and when the accident or Sickness occurred as well as receipts for medical services and supplies;
2) For trip delay claims – a statement from party causing delay and receipts for expenses;
3.) For cancellation/interruption claims – Your travel invoice, the cancellation or interruption date, original unused tickets/vouchers, the travel organizer’s cancellation clause with regard to nonrefundable losses. You will also be asked to provide proof of payment.
Yes, you can appeal a denied claim within 90 days of the date the claim is denied. Appeals must be submitted with full details of the reason for the appeal and all supporting documentation via email/writing.
For Travel Insurance: Not yet.
Our Global Health Insurance Plan has the features of our Mastercard enabled payment card which is housed within the My Health – Insured Nomads app and is designed to make payments to providers for eligible services and is provided once there is a need for this card.
We can reimburse you in the currency of your choice. Most members choose to receive payment in US Dollars, Euros, or British Pounds.
Insured Travelers:
Our claims are handled on a reimbursement basis. If you experience an illness, injury, missed flight or connection, lost baggage, or any other covered inconvenience during your trip, please include your proof of payment when submitting your claim. Our trusted claims partner will review your case with care and provide an update within 30 days.
International Health Insurance:
Yes, we offer direct payment to medical providers through our transactional card. If direct payment is not available, we will promptly reimburse you for eligible expenses.
Yes! You can email us at members@insurednomads.com and request to change any details of your policy.
You can request to edit the following:
- Coverage dates
- Destinations
- Trip cost
- Phone Number
- Address (but not Passport Country)
- DOB
For the Insured Travelers Trip Protection Plan: All premium is refundable only during the ten (10) day review period from the date of delivery (or fifteen (15) days from the date of delivery if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure.
For the Insured Travelers Med+ and Annual Multi-Trip Plans: Premiums paid for this insurance policy may be refunded in full upon written request from the Insured Person prior to the first day of any Certificate Period. The Insured Person may cancel this insurance after the Certificate Effective Date upon advance written notice to the Plan Administrator. If any claims have been filed, the premium paid is fully earned and no refund is payable to the Insured Person. If no claims have been filed, Underwriters will refund the premium attributable to the unused days, after deducting an administrative fee of $50.
Yes! You can increase your total trip cost up to 48 hours before your departure, provided you haven’t incurred a loss or submitted a claim.
If you need to decrease your trip cost, you can do so within 14 days of purchasing your plan, as long as your trip hasn’t started and no losses or claims have been made.
If you’ve added Cancel For Any Reason (CFAR) coverage, you may also increase your trip cost for any new travel arrangements made within 14 days of booking.
Insured Travelers Med+ Plan: Yes, you can purchase a new Med+ policy for the dates that you wish to be traveling.
Insured Travelers Trip Protection Plan: Unfortunately, no. Once your trip has begun, coverage cannot be purchased or activated. However, you can buy coverage right up until your trip officially starts.
Yes, you can cancel your Insured Nomads travel insurance plan and receive a full refund within 21 days of purchase, as long as your trip hasn’t started, you haven’t incurred a loss, and no claims have been filed.
Available for Insured Travelers Trip Protection Plan: This optional add-on allows you to cancel your trip for any reason not already covered by your plan, even if you simply change your mind.
As long as you cancel at least 48 hours before your scheduled departure, we’ll reimburse you for up to 75% of your non-refundable trip costs.
The cost of your Insured Nomads travel plan is determined by the details of your trip. Several factors influence your total premium, including your country or state of residence, trip duration, destination, number of travelers, ages of travelers, and any optional add-ons you select.
You can easily receive an instant quote for your upcoming journey at the following links:
World Explorer: Yes, below 10 meters is considered recreational. Above 10 meters up to 20 meters is considered “Adventure Sports” so an add-on may be needed.
World Explorer Guardian: Scuba diving is covered under the Guardian 500 plan.
For point #2: The Walletpass policy ID card identifies you as an active member and is available to add to your phone wallet (iOS/Android) and we recommend that you share it with someone that is not traveling with you. It is shared with you for printing or easy storage in the same area as boarding passes, loyalty program cards and other wallet cards.
Please refer to our Individual Health Insurance or Group Health Insurance page to download the brochure, policy wording and policy summary (IPID or Insurance Product Information Document).
You may reach our service team via phone, email, web portal or through the My Health by Insured Nomads app for policy management (iOS Apple and Google/Android app).
Check contact numbers at https://insurednomads.com/contact and save the most appropriate number for reference: Singapore: +65 3158 2129 | France: +33 (1) 76 46 10 19 | USA: +1-205-236-5117
Email us at: health.service@insurednomads.com
Claims Portal: Click Here
If you request a cancellation of your policy and you have premiums paid beyond the effective date of cancellation, we will reimburse any unused premium to you.
You can add eligible dependents, including your spouse and children. Parents and siblings should purchase their own policies.
You can receive treatment anywhere in the world if you have purchased worldwide coverage, if you have a region specified in your chosen plan then you are limited to treatment in that region with the exception of emergency injury or illness on short trips outside of that region.
If you sought advice or experienced symptoms before the start date of your plan (whether you have been diagnosed or not), we may decide to add exclusions to your plan. It is important you fill out the medical questionnaire as accurately as possible.
Normally, you do not have to pay for treatment up front. However, you should contact Insured Nomads (managed by expatTPA and Healix) to set up direct payment to the hospital or clinic. This also allows us to access our medical director and team to provide further information on locations that can serve you.
Yes, we accept scanned claims.
Vision is included on our Global Health Insurance group plans only at this time. Connect plans have a waiting period of 10 months for vision and dental.
Vision and Dental are available on Group Global Benefit solutions for employer plans and ASO funding solutions.
Yes, all members receive our INC/Insured Nomads Community membership for 12 months which gives natural disaster, political unrest and terrorism relocation and/or evacuation benefits. Download INC by Insured Nomads from the app store (Google Play Store or the Apple App store) to have access to these benefits as they are accessible within the app environment with instant response emergency button.
Yes, we offer robust virtual mental health coverage. You can also discuss further options with our Global Medical Director.
We provide travel advice and alerts focused on medical and safety. If you need immediate assistance, we offer an instant response emergency button that goes directly into our Global Assistance team to respond to your need immediately, 24 hours a day as part of the Guardian program and available for 12 months. Download the app in your phones app store and contact members@ insurednomads.com for further assistance if needed, or chat with us on our site, and option 1 on our phone service lines.
Mental health therapy sessions and telemedicine assistance is also provided within the INC app.
Yes, COVID-19 is treated as any other illness under this policy.
Covid-19 tests and vaccinations are not covered items.
Read more here.
Please be aware that since this is a global medical insurance policy, there are no included benefits for hotel quarantine requirements as that is not a medical benefit. For countries with State Department Level 4 (Do Not Travel), we suggest you contact us directly.
Yes, provided our benefits satisfy the local requirements, we would be pleased to provide appropriate documentation. Please click the chat button below and provide your policy number and country requirements for us to assist.
We can reimburse you in the currency of your choice. Most members choose to receive payment in US Dollars, Euros, or British Pounds.
Yes, we don’t exclude injuries or illness related to a terrorist act.
Also, INC/Insured Nomads Community membership comes with relocation/evacuation for terrorism as one of the features.
The Walletpass policy ID card identifies you as an active member and is available to add to your phone wallet (iOS/Android) and we recommend that you share it with someone that is not traveling with you. It is shared with you for printing or easy storage in the same area as boarding passes, loyalty program cards and other wallet cards. Our Global Health Insurance also has the features of our Mastercard enabled payment card which is housed within the My Health – Insured Nomads app and is designed to make payments to providers for eligible services and is provided once there is a need for this card.
Once you join the program, you will be forwarded an electronic ID and Payment Card within 24 hours.
We believe it should be easier to use your insurance, the Mastercard connection helps accomplish that.
On the Global Health Insurance plans (Preferred & Preferred Plus) you receive a transactional card connected to the Mastercard network with which to pay for authorized claims.
In addition, you can use our app (iOS Apple or Android) for processing claims and instant reimbursement, though we prefer to pay the hospital/clinic directly in all situations where this is possible.
Please note: our previous plans as Nomad Health Insurance do not offer this feature.
Guaridan by Insured Nomads is a membership program that includes Priority Pass airport lounge access, CARE: crisis response and relocation, assistance, evacuation for political unrest, terrorism, natural disaster and pandemic, DrOnCall: telemedicine for physician consults for medical and clinicians for mental health therapy sessions, local discounts through Global Nomad Pass, McAfee cybersecurity and much more.
Once your application is submitted it is reviewed by our medical underwriting team. This process takes on average 2 business days. If there is more data required due to responses to your health history, you will be contacted to provide that information. This additional information is then processed.
The decision response is sent to you, and if it’s accepted as quoted you will receive a payment link to complete the purchase.
If the policy is offered to you at a new price/increased premium due to health question responses, an offer will be sent for you for acceptance followed by the Payment link to complete the purchase.
Soon after the payment is made the policy is issued to you. You will also receive a welcome email with information regarding the non-policy benefits of the INC membership that is included with your purchase so that you may enjoy all the features that are available for your wellbeing and safety.
There is not waiting period with the exception of the following:
- Wellness check-ups: 6 months of continuous coverage
- Maternity: 10 months of continuous coverage
- Mental health & substance abuse: 12 months of continuous coverage
- Organ transplant: 24 months of continuous coverage.
- Vision & Dental: 10 months of continuous coverage
Yes, if you have our Global Health Insurance there is emergency medical cover of €100,000 outside your selected coverage area for a maximum of 45 days per trip. If you have our Travel Insurance then you have either Worldwide or Worldwide excluding the USA and there is no need to list every country you will visit at the time of purchase, only one is required.
Professional sporting activities or any hazardous sporting activity, or extreme pursuits or activities are excluded, including but not limited to:
- Kite Surfing,
- Rock or Cliff Climbing,
- Mountaineering,
- Motor Sports of any kind,
- Aerial activities and sports,
- Bungee Jumping,
- Scuba Diving to a depth greater than30 meters or where a PADI Certificate is not held,
- Tomb-Stoning,
- any sport involving animals including horse riding/racing, polo,
- speed competitions of any kind,
- racing of any kind other than on foot,
- and skiing off-piste.
If you will be needing short term cover for adventure sports, we recommend getting an additional travel insurance policy for that period of time.
Yes, we are multilingual.
No, our international travel and global health insurance plans are not subject to and do not provide benefits required by, PPACA. PPACA requires U.S. citizens and certain U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Tax penalties may be imposed on U.S. citizens and U.S. if applicable. Any expat/global health insurance plan available in the market is non-compliant to what is referred to as ‘ACA’ or PPACA regulation
Use this link to search and find providers in the Aetna PPO.
Travel Insurance
Travel Medical Plan: For non-U.S. Residents. Best if you have short-term workations, business trips, leisure vacation, or something similar. Primarily for travel medical coverage from 7 days up to 364 days. Choose from your desired medical maximum, deductible, and preferred area of coverage.
Trip Protection Plan: For U.S. residents only. Best if you are traveling overseas and need more than just short-term medical coverage. We will protect your trip from trip cancellations, medical needs, evacuation, travel benefits and more. 50, 250, and 500 plans are in line with their respective amounts of medical maximum coverage: $50,000, $250,000, and $500,000. Choose from your desired medical maximum, deductible, and preferred area of coverage.
Annual Multi Trip Plan: Best if you know your travel plans for the year and come back home in between trips. Coverage available for 30, 45, and 90 day plans.
Yes! Our Insured Travellers Med+ and Annual Multi-Trip Plans are designed for global citizens in mind.
Insured Travelers Med+ & Annual Multi-Trip Plans: Yes, you may purchase after you have left / your trip had began.
Insured Travelers Trip Protection Plan: No, because Trip Cancellation coverage will begin on Your Effective Date. No coverage can be purchased after a person departs on a trip. Plan is ideal for US residents on a defined trip.
Insured Nomads accepts all major credit cards online. Restrictions may apply to credit cards from certain countries included in the OFAC Sanctions List.
Insured Travelers Med+ coverage starts at 12:01 AM EST on the date indicated on the Confirmation of Coverage Document or the moment you have left home or passport country.
Insured Travelers Annual Multi-Trip coverage begins the moment you have left home or passport country.
Insured Travelers Trip Protection coverage begins on the effective date, which is typically the day you depart for your trip.
- Belarus
- Cuba (US citizens permitted to travel under certain defined circumstances)
- Iran (Islamic Republic Of)
- Iraq
- Libya
- Russia Federation
- Syrian Arab Republic
- North Korea
- Yemen
- Afghanistan
- Haiti
- Myanmar
- Sudan (including South Sudan)
You can see Policy Documents for all Insured Travelers Plans at https://insurednomads.com/insured-travelers-plan-documents/
We partnered with United States Fire Insurance Company and Crum & Forster – A+ rated by AM Best – to design the Insured Travelers plans with travelers like you in mind.
Yes! Our online quote system can quote up to 15 people at a time. If you have more than 15 people traveling in your group, please reach out to members@insurednomads.com for a quote. Please include the following for each individuals traveling:
- Legal Name
- DOB/Age
- Physical Address
- Phone Number
- Country or State of Residence (if U.S. resident)
Guardian by Insured Nomads is a membership program that includes crisis response, assistance, airport lounge access, evacuation for political unrest/terrorism/natural disaster, and much more. Information will be provided when you purchase your policy in the welcome/receipt email. See more at www.insurednomads.com/guardian-membership.
Yes for any country that is Level 3 travel advisory status or lower with the US Department of State, COVID-19 is covered up to the medical maximum of the policy. The policy does not cover quarantine lodging due to testing posting for COVID-19. Covid-19 tests and vaccinations are not covered items.
The policy is still valid for all non-COVID related claims if the country you are in is Level 4. Check the US Department of State Travel Advisory status, click here.
We assume you have a primary plan back in your home country. When traveling outside your home country, Insured Nomads will direct you to medical services and work with your primary medical provider.
With the Insured Travelers Travel Insurance network, you may access any licensed and certified healthcare provider in the country where you are receiving care.
Feel free to choose the provider of your choice. We will work with that provider to directly settle your medical charges with us. If you need help, please contact us and our Global Medical Director will assist you.
Please be advised that in most cases, our claims payout will be a reimbursement method, unless approved otherwise by our team.
Insured Travelers: See Policy Documents at https://insurednomads.com/insured-travelers-plan-documents/
World Explorer: For trips outside the USA, we can cover up to 364 days of travel. For foreign nationals to the USA, we can cover up to 90 days per trip.
World Explorer Guardian: It is 90 days for the Guardian 50 and 250 plans and 180 days for the Guardian 500 plan.
Yes, provided you enroll them before your travels. We have many members who take their family with them on business trips and sojourn on the weekend or post-business trip. Please feel free to add eligible dependents.
Insured Nomads can cover all your global trips.
Yes, the evacuation benefit pays for medical evacuation to the nearest hospital or appropriate medical facility. Aside from the medically underwritten portion there is also our benefit as part of the Insured Nomads Community/INC membership provide evacuation and relocation services for political unrest, terrorism and natural disasters.
Add the Insured Nomads Community app to have access to 24/7 instant response with our safety and security operatives.
Get it on the Apple App store via this link, and the Google App store via this link. Use your policy number as the ‘subscription id’ when requested.
No, it is not necessary to inform us every single time you move around. We made Insured Travelers plans with global citizens in mind.
Please be advised that there are coverage limitations to certain countries included in the OFAC sanctions list under the “Get Started” tab.
Yes, medical emergencies are covered through all Insured Travelers plans.
Yes, emergency evacuation coverage is included in all Insured Travelers plans.
Yes, repatriation is included in all Insured Travelers plans.
Yes! Our Insured Travelers Trip Protection (for U.S. residents only) can cover cruises.
Insured Travelers Med+ and Annual Multi-Trip Plans: yes, covers you for Trip Interruptions and Delays.
Insured Travelers Trip Protection Plan: yes, covers you for Trip Cancellations, Interruptions, Delays, Missed Connections, and more.
Yes, there is limited coverage included for all Insured Travelers plans.
Yes, as an optional add-on for Insured Travelers Med+ & Annual Multi-Trip plans, replace the your laptop, cell phone or other electronic equipment owned by or leased if lost, stolen, damaged or destroyed during the trip.
Med+ and Trip Protection plans both have limited coverage for Baggage & Personal Effects built into the plan.
Yes, as an optional add-on for Insured Travelers Trip Protection plan.
Yes, as an optional add-on for Insured Travelers Trip Protection plan.
Optional add-on for Med+ and Annual Multi-Trip Plans: Reimbursement to cover the necessary additional kennel fees or expenses if the Plan Participant is delayed past the Scheduled Return Date for at least 6 consecutive hours while en route to the Plan Participant’s Return Destination if they have a covered Trip Interruption or Trip Delay claim.
Optional add-on for Med+ only: Reimbursement up to the Maximum Benefit US $2500 for the cost of unused, forfeited, prepaid nonrefundable Event Ticket(s) and Registration Fee(s) the Plan Participant paid for the event, if the Plan Participant is unable to attend or complete the event due to any of the following covered reasons in the plan.
Optional add-on for all Insured Travelers Plans: Covers more adventurous activities up to the medical maximum. These activities include: B.A.S.E. jumping • Free diving • Bungee jumping, • Hot air ballooning • Parachuting • Skydiving • Cliff diving • Hang gliding • Heli-skiing and heli-snowboarding • Wingsuit flying • Rock climbing without equipment • Bodily contact sports • Mountain Climbing over 9,000 feet (2,700 meters) • Motor sport or motor racing • Multi-sport endurance competitions • Scuba diving if the depth exceeds 131 feet (40 meters) and any activity materially similar to the above Maximum benefit.
Yes, we don’t exclude injuries or illness related to a terrorist act.
Also, our partners at Healix provides relocation/evacuation for terrorism through the TravelOracle app, which comes with your policy.
Insured Travelers Med+ & Annual Multi-Trip Plans: Adventure & Extreme Sports cover
Insured Travelers Trip Protection Plan: Accident and Sickness Medical Expense (Adventure and Extreme Activities)
Insured Travelers Med+ & Annual Multi-Trip Plans: Not available.
Insured Travelers Trip Protection Plan: Available as an add-on.
Insured Travelers Med+ Plan: Included in plan
Insured Travelers Annual Multi-Trip Plan: Not available.
Insured Travelers Trip Protection Plan: Add-on available as Rental Property Damage Liability.
Insured Travelers Med+ & Annual Multi-Trip Plans: Available as optional Electronic Equipment Cover
Insured Travelers Trip Protection Plan: Available as optional Baggage and Personal Effects (Electronic Equipment Coverage)
Insured Travelers Med+ Plan: Available as an optional add-on.
Insured Travelers Annual Multi-Trip Plan: Included in plan.
Insured Travelers Trip Protection Plan: Not available.
Insured Travelers Med+ Plan: Available as Event Ticket & Registration Fee Protection
Insured Travelers Annual Multi-Trip and Trip Protection Plans: Not available.
Insured Travelers Med+ & Annual Multi-Trip Plans: Not available.
Insured Travelers Trip Protection Plan: Available as an add-on to cover things like Rainy Vacation, Closed Attractions, Beach Closure, Rental Vehicle Breakdown, Credit/Debit Card Cancelled, Rental Property Lockout
Insured Travelers Med+ & Annual Multi-Trip Plans: Not available.
Insured Travelers Trip Protection Plan: Available as an add-on to cancel your trip for any reason.
Insured Travelers:
If you need to file a claim, our team is here to assist you. You can submit your claim quickly and securely through our online portal:
Submit a Claim: Insured Nomads Claims Portal
Claims Support Email: aciclaims@acitpa.com
Claims Assistance Phone: +1 610 293 9229 / toll free +1 888 293 9229 in the USA
For more details on the claims process, required documentation, and reimbursement timelines, please visit our Claims FAQ.
All claims must be filed within 60 days of the date the expense is incurred.
IMPORTANT:
To facilitate prompt claims settlement, You will be asked to provide proof of Your loss. Please obtain the following + your policy confirmation documents:
1.) For medical claims – detailed medical statements from treating physicians where and when the accident or Sickness occurred as well as receipts for medical services and supplies;
2) For trip delay claims – a statement from party causing delay and receipts for expenses;
3.) For cancellation/interruption claims – Your travel invoice, the cancellation or interruption date, original unused tickets/vouchers, the travel organizer’s cancellation clause with regard to nonrefundable losses. You will also be asked to provide proof of payment.
Yes, you can appeal a denied claim within 90 days of the date the claim is denied. Appeals must be submitted with full details of the reason for the appeal and all supporting documentation via email/writing.
For Travel Insurance: Not yet.
Our Global Health Insurance Plan has the features of our Mastercard enabled payment card which is housed within the My Health – Insured Nomads app and is designed to make payments to providers for eligible services and is provided once there is a need for this card.
We can reimburse you in the currency of your choice. Most members choose to receive payment in US Dollars, Euros, or British Pounds.
Insured Travelers:
Our claims are handled on a reimbursement basis. If you experience an illness, injury, missed flight or connection, lost baggage, or any other covered inconvenience during your trip, please include your proof of payment when submitting your claim. Our trusted claims partner will review your case with care and provide an update within 30 days.
International Health Insurance:
Yes, we offer direct payment to medical providers through our transactional card. If direct payment is not available, we will promptly reimburse you for eligible expenses.
Yes! You can email us at members@insurednomads.com and request to change any details of your policy.
You can request to edit the following:
- Coverage dates
- Destinations
- Trip cost
- Phone Number
- Address (but not Passport Country)
- DOB
For the Insured Travelers Trip Protection Plan: All premium is refundable only during the ten (10) day review period from the date of delivery (or fifteen (15) days from the date of delivery if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure.
For the Insured Travelers Med+ and Annual Multi-Trip Plans: Premiums paid for this insurance policy may be refunded in full upon written request from the Insured Person prior to the first day of any Certificate Period. The Insured Person may cancel this insurance after the Certificate Effective Date upon advance written notice to the Plan Administrator. If any claims have been filed, the premium paid is fully earned and no refund is payable to the Insured Person. If no claims have been filed, Underwriters will refund the premium attributable to the unused days, after deducting an administrative fee of $50.
Yes! You can increase your total trip cost up to 48 hours before your departure, provided you haven’t incurred a loss or submitted a claim.
If you need to decrease your trip cost, you can do so within 14 days of purchasing your plan, as long as your trip hasn’t started and no losses or claims have been made.
If you’ve added Cancel For Any Reason (CFAR) coverage, you may also increase your trip cost for any new travel arrangements made within 14 days of booking.
Insured Travelers Med+ Plan: Yes, you can purchase a new Med+ policy for the dates that you wish to be traveling.
Insured Travelers Trip Protection Plan: Unfortunately, no. Once your trip has begun, coverage cannot be purchased or activated. However, you can buy coverage right up until your trip officially starts.
Yes, you can cancel your Insured Nomads travel insurance plan and receive a full refund within 21 days of purchase, as long as your trip hasn’t started, you haven’t incurred a loss, and no claims have been filed.
Available for Insured Travelers Trip Protection Plan: This optional add-on allows you to cancel your trip for any reason not already covered by your plan, even if you simply change your mind.
As long as you cancel at least 48 hours before your scheduled departure, we’ll reimburse you for up to 75% of your non-refundable trip costs.
The cost of your Insured Nomads travel plan is determined by the details of your trip. Several factors influence your total premium, including your country or state of residence, trip duration, destination, number of travelers, ages of travelers, and any optional add-ons you select.
You can easily receive an instant quote for your upcoming journey at the following links:
World Explorer: Yes, below 10 meters is considered recreational. Above 10 meters up to 20 meters is considered “Adventure Sports” so an add-on may be needed.
World Explorer Guardian: Scuba diving is covered under the Guardian 500 plan.
Health Insurance
Please refer to our Individual Health Insurance or Group Health Insurance page to download the brochure, policy wording and policy summary (IPID or Insurance Product Information Document).
You may reach our service team via phone, email, web portal or through the My Health by Insured Nomads app for policy management (iOS Apple and Google/Android app).
Check contact numbers at https://insurednomads.com/contact and save the most appropriate number for reference: Singapore: +65 3158 2129 | France: +33 (1) 76 46 10 19 | USA: +1-205-236-5117
Email us at: health.service@insurednomads.com
Claims Portal: Click Here
If you request a cancellation of your policy and you have premiums paid beyond the effective date of cancellation, we will reimburse any unused premium to you.
You can add eligible dependents, including your spouse and children. Parents and siblings should purchase their own policies.
You can receive treatment anywhere in the world if you have purchased worldwide coverage, if you have a region specified in your chosen plan then you are limited to treatment in that region with the exception of emergency injury or illness on short trips outside of that region.
If you sought advice or experienced symptoms before the start date of your plan (whether you have been diagnosed or not), we may decide to add exclusions to your plan. It is important you fill out the medical questionnaire as accurately as possible.
Normally, you do not have to pay for treatment up front. However, you should contact Insured Nomads (managed by expatTPA and Healix) to set up direct payment to the hospital or clinic. This also allows us to access our medical director and team to provide further information on locations that can serve you.
Yes, we accept scanned claims.
Vision is included on our Global Health Insurance group plans only at this time. Connect plans have a waiting period of 10 months for vision and dental.
Vision and Dental are available on Group Global Benefit solutions for employer plans and ASO funding solutions.
Yes, all members receive our INC/Insured Nomads Community membership for 12 months which gives natural disaster, political unrest and terrorism relocation and/or evacuation benefits. Download INC by Insured Nomads from the app store (Google Play Store or the Apple App store) to have access to these benefits as they are accessible within the app environment with instant response emergency button.
Yes, we offer robust virtual mental health coverage. You can also discuss further options with our Global Medical Director.
We provide travel advice and alerts focused on medical and safety. If you need immediate assistance, we offer an instant response emergency button that goes directly into our Global Assistance team to respond to your need immediately, 24 hours a day as part of the Guardian program and available for 12 months. Download the app in your phones app store and contact members@ insurednomads.com for further assistance if needed, or chat with us on our site, and option 1 on our phone service lines.
Mental health therapy sessions and telemedicine assistance is also provided within the INC app.
Yes, COVID-19 is treated as any other illness under this policy.
Covid-19 tests and vaccinations are not covered items.
Read more here.
Please be aware that since this is a global medical insurance policy, there are no included benefits for hotel quarantine requirements as that is not a medical benefit. For countries with State Department Level 4 (Do Not Travel), we suggest you contact us directly.
Yes, provided our benefits satisfy the local requirements, we would be pleased to provide appropriate documentation. Please click the chat button below and provide your policy number and country requirements for us to assist.
We can reimburse you in the currency of your choice. Most members choose to receive payment in US Dollars, Euros, or British Pounds.
Yes, we don’t exclude injuries or illness related to a terrorist act.
Also, INC/Insured Nomads Community membership comes with relocation/evacuation for terrorism as one of the features.
The Walletpass policy ID card identifies you as an active member and is available to add to your phone wallet (iOS/Android) and we recommend that you share it with someone that is not traveling with you. It is shared with you for printing or easy storage in the same area as boarding passes, loyalty program cards and other wallet cards. Our Global Health Insurance also has the features of our Mastercard enabled payment card which is housed within the My Health – Insured Nomads app and is designed to make payments to providers for eligible services and is provided once there is a need for this card.
Once you join the program, you will be forwarded an electronic ID and Payment Card within 24 hours.
We believe it should be easier to use your insurance, the Mastercard connection helps accomplish that.
On the Global Health Insurance plans (Preferred & Preferred Plus) you receive a transactional card connected to the Mastercard network with which to pay for authorized claims.
In addition, you can use our app (iOS Apple or Android) for processing claims and instant reimbursement, though we prefer to pay the hospital/clinic directly in all situations where this is possible.
Please note: our previous plans as Nomad Health Insurance do not offer this feature.
Guaridan by Insured Nomads is a membership program that includes Priority Pass airport lounge access, CARE: crisis response and relocation, assistance, evacuation for political unrest, terrorism, natural disaster and pandemic, DrOnCall: telemedicine for physician consults for medical and clinicians for mental health therapy sessions, local discounts through Global Nomad Pass, McAfee cybersecurity and much more.
Once your application is submitted it is reviewed by our medical underwriting team. This process takes on average 2 business days. If there is more data required due to responses to your health history, you will be contacted to provide that information. This additional information is then processed.
The decision response is sent to you, and if it’s accepted as quoted you will receive a payment link to complete the purchase.
If the policy is offered to you at a new price/increased premium due to health question responses, an offer will be sent for you for acceptance followed by the Payment link to complete the purchase.
Soon after the payment is made the policy is issued to you. You will also receive a welcome email with information regarding the non-policy benefits of the INC membership that is included with your purchase so that you may enjoy all the features that are available for your wellbeing and safety.
There is not waiting period with the exception of the following:
- Wellness check-ups: 6 months of continuous coverage
- Maternity: 10 months of continuous coverage
- Mental health & substance abuse: 12 months of continuous coverage
- Organ transplant: 24 months of continuous coverage.
- Vision & Dental: 10 months of continuous coverage
Yes, if you have our Global Health Insurance there is emergency medical cover of €100,000 outside your selected coverage area for a maximum of 45 days per trip. If you have our Travel Insurance then you have either Worldwide or Worldwide excluding the USA and there is no need to list every country you will visit at the time of purchase, only one is required.
Professional sporting activities or any hazardous sporting activity, or extreme pursuits or activities are excluded, including but not limited to:
- Kite Surfing,
- Rock or Cliff Climbing,
- Mountaineering,
- Motor Sports of any kind,
- Aerial activities and sports,
- Bungee Jumping,
- Scuba Diving to a depth greater than30 meters or where a PADI Certificate is not held,
- Tomb-Stoning,
- any sport involving animals including horse riding/racing, polo,
- speed competitions of any kind,
- racing of any kind other than on foot,
- and skiing off-piste.
If you will be needing short term cover for adventure sports, we recommend getting an additional travel insurance policy for that period of time.
Yes, we are multilingual.
No, our international travel and global health insurance plans are not subject to and do not provide benefits required by, PPACA. PPACA requires U.S. citizens and certain U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Tax penalties may be imposed on U.S. citizens and U.S. if applicable. Any expat/global health insurance plan available in the market is non-compliant to what is referred to as ‘ACA’ or PPACA regulation
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