Nomad Insurance

Nomad Travel Health Insurance

If you’re preparing to live and work abroad as a digital nomad, digital nomad insurance may fit your unique lifestyle better than a traditional travel medical insurance plan.

The Atlas Nomads™ plan from WorldTrips is designed with you in mind.

  • As low as $1.54 USD per day
  • Coverage is available for up to one year
  • A single policy covers you in nearly every country
  • Pay in full or choose a monthly subscription
  • Purchase at any time—even after departure
  • Visit any local doctor and file a claim online
  • Online cancellation is quick and easy

Is Nomad Insurance Required for Digital Nomads?

Possibly. Some countries require foreign visitors to have international travel medical insurance that meets specific requirements. Others may only require proof of valid insurance for the duration of a trip.

Depending on where you’re traveling to live and work, you may also need a work visa or digital nomad visa. This visa could require health insurance or proof of your ability to pay for expenses incurred in your host country, including medical expenses. A nomad insurance plan like Atlas Nomads could provide the coverage you need to meet your requirements and travel with confidence.

International From

$ 0  

For 4 weeks of coverage for those up to 39 years old.
$0 Deductible
$250,000 Maximum Coverage

*Pricing varies based on age and destination.


U.S. Travel From

$ 0  

For 4 weeks of coverage for those up to 39 years old.
$0 Deductible
$250,000 Maximum Coverage

*Pricing varies based on age and destination.

Discover the Benefits of Atlas Nomads

Plan Details
Deductibles $0 per certificate period

Deductibles

$0 per certificate period
Maximum Per Injury or Illness

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

Maximum Per Injury or Illness

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

Overall Maximum Limit

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

Overall Maximum Limit

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

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

Coinsurance

We will pay 100% of eligible expenses up to the overall maximum limit.
Emergency Room Co-Payment

Claims incurred in the U.S.  You are responsible for a $100 co-payment for each use of emergency room facility fee for each use of emergency 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

Emergency Room Co-Payment

Claims incurred in the U.S.  You are responsible for a $100 co-payment for each use of emergency room facility fee for each use of emergency 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 Co-Payment

Claims incurred in the U.S.  You are responsible for a $50 co-payment for each visit.
Claims incurred outside the U.S.  No co-payment

Urgent Care Center Co-Payment

Claims incurred in the U.S.  You are responsible for a $50 co-payment for each visit.
Claims incurred outside the U.S.  No co-payment

Travel Assistance Services

Atlas Travel customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7.
Services include:

  • Provider, embassy, and legal referrals
  • Translations and interpretations
  • Help obtaining replacements for lost travel documents
See all available services.

Travel Assistance Services

Atlas Travel customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7.
Services include:

  • Provider, embassy, and legal referrals
  • Translations and interpretations
  • Help obtaining replacements for lost travel documents
See all available services.
Policy Documents  Click here to view your policy documents.

Policy Documents 

Eligible expenses are subject to deductible, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
young-male-hipster-traveler-doing-selfie-overlooking-the-tropical-sea-1

What’s the Difference Between Nomad Insurance and Annual Travel Medical Insurance?

As a digital nomad, you might find yourself away from home for a year or more. You may recognize that you don’t have medical coverage outside of your home country, but you may be confused about which type of plan you need.

Annual travel medical insurance like our Atlas MultiTrip plan is designed for frequent international trips, rather than one long stay abroad. It provides 364 days of coverage, but it only covers you for trips of up to 30 or 45 days each. Plus, you’re locked into coverage for 364 days (no matter how much or how little you end up traveling).

Our Atlas Nomads plan can provide up to a year of continuous coverage, so it makes more sense if you’ll be living and working abroad for longer than a month or two at a time. Plus, the plan is more flexible to meet your needs. You can buy coverage for an entire year or pay monthly. That way, if you do need to change your plans and return to your home country, you can end your coverage at the end of the month without paying for the entire year.

Why WorldTrips?

Choosing the right nomad insurance plan is important, but so is choosing an insurance provider who will support you at every turn. For the past 25 years, WorldTrips has provided international travel medical insurance and assistance to global nomads and adventurers.

Our knowledgeable, U.S.-based customer service team will help you navigate the unexpected—no matter the time zone or spoken language. But don’t just take our word for it. WorldTrips has been recognized for our reliability and superior customer service by several reputable websites and travel experts, including Forbes, CNBC, CNN Underscored, Condé Nast Traveler, USA Today, and NerdWallet.

cnn-editors-pick

“Of the top eight travel insurance companies in our review, WorldTrips’ underwriting company is the only one to have an A++ (Superior) financial strength rating from AM Best.”

As Seen in

Forbes
CNBC
Traveler
USA Today
Nerd Wallet

How Nomad Insurance Works in Action

man-comforting-his-sad-mourning-friend-embracing-her-in-a

You’ve been working abroad for a month when you get the news that your grandfather has passed away. Since you can work from anywhere, you decide to return home and be with your family.

Your Atlas Nomads policy’s Trip Interruption benefit pays eligible expenses required to fly you back home earlier than you’d originally planned.

middle-aged-asia-people-old-mom-holding-hands-trust-comfort

You’re exploring a new city when you’re suddenly taken and held for a small ransom.

Your roommate contacts the police and WorldTrips. Thankfully, your Atlas Nomads policy’s Crisis Response benefit pays for the ransom and covers the cost of the experienced, multilingual crisis response team that safely negotiates your release.

two-paramedic-with-safety-harness-and-climbing-equipment-running-to

You’re exploring the mountains near your temporary home when you fall and become seriously injured.

The local medical facility does not have the physicians or equipment available to provide the treatment you need. Fortunately, your Atlas Nomads plan includes an Emergency Medical Evacuation benefit that covers eligible costs associated with transporting you by helicopter to a hospital that’s adequately prepared to save your life.

More Travel Medical Insurance Plans

Need coverage for a vacation, multiple trips abroad, or a group of travelers? Explore more international travel medical insurance plans designed for specific travel needs.

Global Travel

Atlas Travel® is our most popular travel medical insurance plan designed for single trips abroad. It may be ideal for a vacation, a single business trip, a cruise, or other adventures.

Group Travel

Atlas Group® provides the same benefits and services of our popular Atlas Travel plan at a 10% reduced rate for groups of 5 or more. Our group travel plans may be ideal for family reunions, mission trips, student trips, and more!

Annual Travel

Atlas MultiTrip® covers you for any number of pre-planned or last-minute trips abroad throughout a one-year period. Whether you’re constantly traveling for business or pleasure, an annual travel medical plan can help you save.

Travel to the U.S.

Atlas America® is our Atlas Travel plan for international visitors to the United States. Some U.S. visas require travel medical insurance. Our Atlas America plan can help make sure you or your family members have coverage.

Customer Reviews

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WorldTrips international travel medical insurance products are underwritten by Lloyd's. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. 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.