Insured Nomad Travel Insurance
Insured Nomads is a relatively new and promising insurance provider designed especially for digital nomads, remote workers, and expats, offering flexible travel and health insurance plans with high medical coverage limits up to CA$1,000,000 and no deductibles for in-network claims.
Their plans feature modular add-ons for adventure sports, telemedicine, mental health support, evacuation, and repatriation benefits, as well as a transactional card to pay medical bills upfront. The policies may appeal to risk-averse travellers who want comprehensive coverage, especially for medical and evacuation scenarios.
However, some downsides include relatively high pricing, occasional slow customer service response, lack of 24/7 live support, and no publicly available customer satisfaction ratings or claim turnaround time metrics.
They are backed by reputable insurers like Nationwide, offering financial stability. Users generally find their coverage broad and useful for frequent and long-term travelers, though some reviews mention room for improvement in app speed and customer support responsiveness.
In summary, Insured Nomads is well-suited for digital nomads needing flexible, high-limit coverage with extras like adventure sports and telemedicine but may be less ideal for budget-conscious travelers or those seeking extensive outpatient or cancellation cover without add-ons.
Insured Nomads : Key Points
- Company Profile: Insured Nomads, founded in 2019, specializes in travel and health insurance for digital nomads, remote workers, and global travelers, emphasizing comprehensive coverage tailored to borderless lifestyles. Research suggests it’s backed by reputable underwriters like Nationwide and Crum & Forster, with a focus on high-risk areas and adventure activities.
- Customer Ratings: It holds a “Great” rating of 4.0/5 on Trustpilot from 182 reviews, with praise for ease of purchase but some criticism for slow claims; BBB A+ accreditation since 2020 with no listed complaints indicates general reliability, though experiences vary.
- Pros and Cons: Strengths include flexible plans, add-ons like electronics coverage, and perks such as airport lounge access; drawbacks often involve higher costs and delayed reimbursements, making it less ideal for budget-conscious long-term nomads.
- Reliability for Travelers: Evidence leans toward it being dependable for medical emergencies and evacuations, especially in hotspots, but some users report inconsistent service on non-urgent matters; it’s suitable for short trips but may require scrutiny for extended use.
- Pricing and Coverage: Starts at around $2.88/day for basic travel medical; health plans from $187/month for young adults; covers up to $2M in medical, trip interruptions, and evacuations, but exclusions like pre-existing conditions apply unless added. Prices can feel premium, and options vary by age and location.
Company Overview
Insured Nomads is an insurtech company based in Birmingham, Alabama, that provides insurance solutions for modern travelers, remote workers, and distributed teams. It integrates technology like AI/ML and GPS for a seamless ecosystem, offering health, travel, and wellbeing plans. The company is committed to social impact, donating to anti-trafficking efforts and adhering to UN Global Compact principles.
Insured Nomads Customer Feedback and Ratings
Feedback is generally positive, with an overall Trustpilot score reflecting satisfaction in ease of use and coverage breadth. However, a minority highlight delays in claims processing. On BBB, its strong standing suggests low dispute rates, though traveler reviews on sites like Reddit and specialized blogs show mixed sentiments on responsiveness.
Pros and Cons
While praised for customization and perks, it’s often critiqued for cost and speed. This makes it a solid choice for those valuing extras but potentially less so for minimalists.
Reliability
It appears reliable for core needs like evacuations, backed by established partners, but user experiences indicate room for improvement in support. Travelers in high-risk zones may find its specialized plans particularly useful.
Insured Nomads :Pricing and Coverage Details
Plans are flexible, with daily or monthly rates adjusting by age and duration. Coverage includes medical emergencies, evacuations, and add-ons, but shoppers should compare for value.
Insured Nomads has emerged as a niche player in the travel and health insurance market, particularly appealing to digital nomads, remote workers, and global citizens who lead borderless lifestyles. Founded in 2019 by Juliana Jernigan, MD, MBA, MPH, DTM&H, the company draws from over 40 years of collective nomadic experiences across five continents.
Its mission centers on redefining global protection by blending intuitive technology, a customer-focused ecosystem, and real-world insights to eliminate hardships for travelers. The team, composed of diverse global citizens from backgrounds including Brazilian, Korean, Filipino, Indian, American, British, and Russian, operates on core values like integrity, inclusion, and impact.
Insured Nomads is headquartered in Birmingham, Alabama, and has been BBB-accredited since November 2020, with no complaints recorded in available data and a business history spanning five years. It partners with underwriters such as Nationwide and Crum & Forster, ensuring policies are backed by established entities.
Beyond insurance, the company commits to social responsibility, donating a portion of every purchase to Not for Sale—an organization combating human trafficking—and adhering to the UN Global Compact’s Ten Principles for sustainability.
The company’s offerings are divided into travel insurance and health insurance plans, designed for flexibility in short trips, long-term stays, or high-risk adventures. Travel plans include World Explorer (single-trip medical coverage for 7-364 days, starting at $2.88/day for a 29-year-old individual),
Insured Nomads
World Explorer Multi (for multiple trips up to 30 or 45 days each, annual pricing from $350), World Explorer Guardian (U.S.-eligible, with trip cancellation and higher limits up to $250,000-$2,000,000 in medical), and World Explorer Hotspot (specialized for warzones like Afghanistan or Ukraine, including evacuation and crisis response).
Key coverages encompass emergency medical expenses (up to $2,000,000), evacuations (medical up to $1,000,000, political up to $100,000), trip interruptions ($5,000-$10,000), lost luggage ($250-$500), and personal liability ($25,000). Perks like airport lounge access via InstaPass for delays, telemedicine, and cybersecurity add-ons enhance value.
Exclusions typically include pre-existing conditions (though acute onset may be covered up to $1,000,000), high-risk activities without add-ons, and trips to Level 3 warning countries for certain benefits. COVID-19 treatment is included, aligning with post-pandemic travel needs.
Health insurance plans, such as Connect (base at $187/month for a 24-year-old, up to $500,000 maximum), ConnectOne, and ConnectThree, cater to long-term expats with inpatient/daycare benefits (100% coverage for surgery, prescriptions), optional outpatient modules ($3,000-$8,000 for visits and tests), dental ($2,000-$5,000 add-on), and maternity ($5,000-$10,000 after 12 months).
Psychiatry and psychotherapy are covered for up to 60 days, emphasizing mental wellness. Pricing scales with age—e.g., $629/month for a 64-year-old core plan—and offers 5% discounts for annual payments. Worldwide coverage excludes the U.S. in some tiers, and adventure sports like rock climbing are not standard. Add-ons for electronics ($5,000) or extreme sports make it customizable for nomads.
Customer feedback paints a balanced picture, with a 4.0/5 “Great” rating on Trustpilot from 182 reviews. Positive themes include an intuitive purchasing process (“bought in 5 minutes”), competitive pricing with bonuses like eSIM discounts and lounge access, and responsive service from agents like Joshua or Jason.
Group policies for up to 75 people receive praise for comprehensiveness and fair pricing. However, negatives involve email issues (e.g., policies landing in spam), mandatory separate emails for family members, and occasional non-responsive support leading to charge disputes. On BBB, the A+ rating and lack of complaints suggest operational stability, though independent reviews note mixed claim experiences. For instance, some travelers appreciate seamless group setups, while others report delays in reimbursements (sometimes months) and clunky processes.
Insured Nomads Advantages
Pros of Insured Nomads include flexible durations, robust add-ons for adventures and electronics, and unique perks like real-time security via the Guardian app. It’s particularly strong for high-risk travel, with Hotspot plans filling gaps in standard policies. Coverage for distributed teams and remote workers, including mental health and telemedicine, aligns with modern needs.
Social impact initiatives add ethical appeal. Cons, however, include higher costs—e.g., $237/month for Connect vs. cheaper competitors—and slow reimbursements, making it less suitable for full-time nomads seeking budget efficiency. Pre-existing condition limits and unclear policy details in some areas draw criticism, as do exclusions for routine care in travel plans.
Reliability for insurance appears solid, especially for emergencies and evacuations in hotspots, backed by underwriters and apps for real-time aid. User experiences on platforms like Trustpilot and traveler blogs indicate it’s dependable for short-term use, with 80%+ five-star ratings in some analyses, but reliability dips for long-term claims due to delays. Compared to alternatives like SafetyWing or Genki, it’s pricier but offers more customization. Travelers report positive outcomes in group scenarios but advise reading fine print for exclusions.
In terms of pricing, examples vary: A 32-year-old might pay $201/month for core health or $307 with outpatient; travel multi-trip annuals start at $437.50 with sports add-ons. Daily rates for medical make it accessible for brief trips, but annual health can reach $2,844. Tables below outline comparisons.
Plan Comparison Table
| Plan Type | Duration | Key Coverage Limits | Starting Price Example | Ideal For |
|---|---|---|---|---|
| World Explorer (Travel Medical) | 7-364 days | Medical: $250k-$2M; Evacuation: $1M | $2.88/day (age 29) | Short-term trips |
| World Explorer Multi | Multiple trips up to 45 days | Medical: $1M; Interruption: $5k | $350/year (30-day trips) | Frequent travelers |
| World Explorer Guardian | 7-364 days | Cancellation: 100% trip cost; Medical: $250k | Varies by trip cost | U.S. residents, cancellations |
| World Explorer Hotspot | High-risk areas | Evacuation: $100k; Security benefits | Custom quote | Warzones/hotspots |
| Connect (Health) | 1+ years | Medical max: $500k; Maternity: $5k-$10k | $187/month (age 24) | Long-term expats |
Pricing by Age Table (Health Core Plan, Monthly, Worldwide excl. U.S.)
| Age Group | Price (Core) | With Outpatient ($3k limit) |
|---|---|---|
| 24 | $187 | $248 |
| 32 | $201 | $307 |
| 43 | $245 | $365 |
| 64 | $629 | $892 |
Overall, Insured Nomads suits those prioritizing comprehensive, tech-integrated coverage with social good, but budget travelers or long-term nomads might explore alternatives for faster claims and lower costs. Always verify personal needs against policy details.