Atlas
Nomads™
Insurance

Nomad health insurance

is Designed for those seeking:

  • Coverage for unexpected medical expenses, including an Emergency Medical Evacuation benefit
  • Supplemental travel benefits including Trip Interruption, Travel Delay, and Lost Checked Luggage
  • Emergency travel benefits including Terrorism, Political Evacuation, and Crisis Response
  • A monthly payment option and coverage you can purchase prior to departure (or at any point during your travel)

WHO IS ELIGIBLE FOR ATLAS NOMADS?

Non-U.S. citizens and residents who are traveling and working outside of their home country are eligible for an Atlas Nomads plan.

If you’re a U.S. citizen or resident working abroad, check out our Atlas Travel plan.

Nomad health insurance

is Designed for those seeking:

  • Coverage for unexpected medical expenses, including an Emergency Medical Evacuation benefit
  • Supplemental travel benefits including Trip Interruption, Travel Delay, and Lost Checked Luggage
  • Emergency travel benefits including Terrorism, Political Evacuation, and Crisis Response
  • A monthly payment option and coverage you can purchase prior to departure (or at any point during your travel)

WHO IS ELIGIBLE FOR ATLAS NOMADS?

Non-U.S. citizens and residents who are traveling and working outside of their home country are eligible for an Atlas Nomads plan.

If you’re a U.S. citizen or resident working abroad, check out our Atlas Travel plan.

Nomad Insurance for remote workers and perpetual travelers


Does your health insurance cover you as you travel and work outside your home country? Many people are taking advantage of remote work by working abroad. This creates a better work-life balance that gives many workers the opportunity for adventures while earning a living. Nomad health insurance provides coverage for eligible unexpected injury and illness, trip interruption, and more while you work and explore the world abroad.


Our Atlas Nomads plan is flexible to better support your lifestyle. You can purchase a policy that provides up to 365 days of coverage, pay up front or select a monthly payment option, and purchase your plan at any time—even after departure. If you are a non-U.S. citizen or resident and you are traveling and working away from your home country, the Atlas Nomads insurance plan from WorldTrips can provide you with health coverage.


Nomad Insurance

Benefits

  • Atlas Nomads
    Insurance
  • Policy
    Documentation
  • Nomad Insurance
    Exclusions

Atlas Nomads is flexible digital nomad health insurance that provides you with coverage for unexpected accidents, sickness, and travel mishaps as you live and work abroad. This plan includes a $0 deductible and pays 100% of eligible expenses up to your overall maximum limit.

Highlights:

  • Up to $250,000 of Overall Maximum Coverage
  • Up to $100,000 for Emergency Medical Evacuation
  • Up to $10,000 for Political Evacuation
  • Up to $10,000 for Crisis Response
  • Up to $5,000 for Trip Interruption
Plan Details

Overall Maximum Limit

Up to age 64: $250,000
Age 65 to 69: $100,000


Maximum per Injury / Illness

Up to age 64: $250,000
Age 65 to 69: $100,000


Deductibles

$0 per certificate period


Coinsurance

We will pay 100% of eligible expenses up to the overall maximum limit


Eligible expenses are subject to overall maximum limit, and are per certificate period unless specifically indicated otherwise.

Benefit
Limit

Hospital Room and Board

Average semi-private room rate, including nursing services


Intensive Care Unit

Up to the overall maximum limit


Local Ambulance

Usual, reasonable, and customary charges for covered injury or illness. Illness must result in hospitalization as inpatient


Emergency Room Co-payment

Claims incurred in the U.S.
You shall be responsible for a $100 co-payment for the emergency room facility fee for each use of emergency room for an illness unless you are admitted to the hospital. There will be no co-payment for emergency room treatment of an injury.

Claims incurred outside the U.S.
No co-payment


Urgent Care Center

Claims incurred in the U.S.
For each visit, you shall be responsible for a $50 co-payment

Claims incurred outside the U.S.
No co-payment


Outpatient Physical Therapy and Chiropractic Care

Up to $500 maximum


Emergency Dental

Up to $1,000


Emergency Eye Exam Copayment

Up to $150. $50 copayment per occurrence.


Acute Onset of Pre-existing Condition
(See benefit description)

Up to the overall maximum limit
Up to $25,000 lifetime maximum, eligible medical expenses only


Terrorism

Up to $50,000 lifetime maximum, eligible medical expenses only


All Other Eligible Medical Expenses

Up to the overall maximum limit


Emergency Travel Benefits
Limit

Emergency Medical Evacuation

Up to $100,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition
- not subject to overall maximum limit


Repatriation of Remains

Up to $20,000 lifetime maximum
- not subject to overall maximum limit


Local Burial or Cremation

Up to $10,000 lifetime maximum


Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses

Up to $10,000 lifetime maximum
- not subject to overall maximum limit


Emergency Reunion

Up to $50,000, subject to a maximum of 15 days


Bedside Visit

Up to $1,500


Return of Minor Children

Up to $5,000


Pet Return

Up to $1,000


Political Evacuation

Up to $10,000 lifetime maximum


Trip Interruption

Up to $5,000


Accidental Death & Dismemberment

(excludes loss due to Common Carrier Accident)

Ages 18 through 69

Lifetime Maximum - $25,000

Death - $25,000

Loss of 2 Limbs - $25,000

Loss of 1 Limb - $12,500

 

 

 

 

Under age 18

Lifetime Maximum - $5,000

Death - $5,000

Loss of 2 Limbs - $5,000

Loss of 1 Limb - $2,500

 

 

 

 

 

 

Lifetime Maximum - $25,000

Death - $25,000

Loss of 2 Limbs - $25,000

Loss of 1 Limb - $12,500

 

Lifetime Maximum - $5,000

Death - $5,000

Loss of 2 Limbs - $5,000

Loss of 1 Limb - $2,500

 

$250,000 maximum benefit any one family or group

- not subject to overall maximum limit


Common Carrier Accidental Death

Ages 18 through 69

$50,000

Under age 18

$10,000

 

$50,000

$10,000

Subject to a maximum of $250,000 any one family or group

- not subject to overall maximum limit


Lost Checked Luggage

Up to $3,000 per certificate period; $500 per item
Up to $6,000 lifetime limit


Travel Delay

Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.


Lost or Stolen Passport/Travel Visa

Up to $100


Border Entry Protection

Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border


Natural Disaster - Replacement Accommodations

Up to $100 a day for 5 days


Emergency Quarantine Indemnity - COVID-19

$50 a day for up to 10 days. Must have a minimum of one (1) month of coverage. Proof of quarantine mandated by a physician or governmental authority required. Quarantine must be due to you testing positive for COVID-19/SARS-CoV2, or you are symptomatic and waiting on diagnostic test results. Benefit may be used only one per twelve (12) month period. Not available while in your home country.


Hospital Indemnity

$100 per day of inpatient hospitalization


Personal Liability

Up to
$25,000 lifetime maximum
$25,000 third person injury
$25,000 third person property
$2,500 related third person property
- not subject to overall maximum limit


*Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.

The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
 

a)       The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;

b)       Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;

c)       You must be under seventy (70) years of age;

d)       You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;

e)       You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;

f)        You must be traveling outside your home country

 

Certain types of medical expenses are excluded from coverage under Atlas Nomads health insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions.

  • Charges resulting directly or indirectly from any *pre-existing condition, except as covered under the **Acute Onset of Pre-Existing Condition benefit
  • Routine medical examinations
  • Routine prenatal care, pregnancy, childbirth, and post-natal care
  • Mental health disorders
  • Medical expenses for injury or illness resulting from participation in specifically excluded extreme sports (see Description of Coverage for full list of excluded sports)

*Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

**Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.

The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:

a)       The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;

b)       Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;

c)       You must be under seventy (70) years of age;

d)       You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;

e)       You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;

f)        You must be traveling outside your home country



coastal Mediterranean town

Why Do I Need

Nomad Insurance?

As a perpetual traveler, your opportunities for life-changing experiences are endless. But international travel can represent financial risk, and there’s always a chance you could experience an unanticipated health or travel emergency abroad. Nomads often stay outside of their home countries for long periods of time, which could increase the chances of needing medical attention at some point while traveling.


Atlas Nomads offers travel medical coverage that follows you almost anywhere your travels take you, providing you with access to quality healthcare, reimbursement for covered claims, and 24/7 emergency travel assistance in multiple languages.



Get a Quick Quote For Nomad Insurance From WorldTrips

WorldTrips works hard to provide travelers all over the world with coverage against the unexpected. Wherever your adventures take you, travel with confidence that you have travel medical protection while working abroad as a digital nomad. Get a quick quote for nomad insurance today.





KHE2FFFYH6SP-971744701-976

WorldTrips is a service company and a member of the Tokio Marine HCC group of companies.

WorldTrips’ Atlas Travel Series, Atlas Nomads, and StudentSecure international travel medical insurance products are underwritten by Lloyd's. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.