insurance policy

Frequently Asked Questions

Where can I see the Policy Wording and Policy Summary (Global Health Insurance)

Please refer to our main Global Health Insurance page to download the brochure, policy wording and policy summary (IPID or Insurance Product Information Document).

Where can I see the Policy Wording and Policy Summary (Travel Insurance)?

World Explorer: You can view policy wording here and Insurance Product Information Document or IPID here.

World Explorer Multi: You can view policy wording here.

World Explorer Guardian: You can view policy wording according to state here.

What is the minimum policy length I can purchase?

One year.

If you are looking for coverage for less than one year, we would recommend exploring our Travel medical programs.

What is the refund policy?

For the World Explorer Guardian: 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 World Explorer and World Explorer Multi:  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.

Who can be on my Individual Annual Medical (IAM) policy?

You can add eligible dependents, including your spouse and children. Parents and siblings should purchase their own policies.

Will pre-existing conditions be covered under Insured Nomads travel programs?

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.

What is INC by Insured Nomads?

INC by Insured Nomads is a membership program that includes crisis response, assistance, airport lounge access, evacuation for political unrest/terrorism/natural disaster, telemedicine, wellbeing/counseling, and much more.

Policies purchased after the 18th of May 2021 get INC for a 12 month period of time from the start of your policy.

What is the refund policy if I want to cancel my policy?

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.

Are any countries off-limits for travel?

Insured Nomads excludes OFAC Sanctioned countries. The current listing includes North Korea, Iran, Burma, and Cuba. If worried about a particular country, please contact Insured Nomads or visit

Will pre-existing conditions be covered by my plan?

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.

Do you have any pre-authorization procedures before elective or scheduled surgery?

Normally, you do not have to pay for treatment up front. However, you should contact Insured Nomads (ExpatTPA) to set up direct payment to the hospital or clinic. This also allows us to access our medical director and provide further information on locations that can serve you.

Can I scan claims to Insured Nomads?

Yes, we accept scanned claims.

How can I pay for my travel coverage?

Insured Nomads accepts all major credit cards online.

Does Insured Nomads support languages beyond English?

Yes, we are multilingual.

Do you offer dental and vision benefits?

Vision is included on our Global Health Insurance group plans only at this time. Our previous plan offering referred to as Nomad Health Insurance 'Select' plan includes dental.

Vision and Dental are available on Group Global Benefit solutions for employer plans and ASO funding solutions.

Is travel coverage good for both leisure and business trips?

Insured Nomads can cover all your global trips.

Do you provide security and natural disaster benefits?

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.

Do you provide mental health benefits?

Yes, we offer robust virtual mental health coverage. You can also discuss further options with our Global Medical Director.

How can I find an in-network facility in the United States?

You can view/search the provider network via this ink.

Please note that this search will only work when viewing from the USA, and with your VPN disconnected.

Can I access medical providers of my choice worldwide?

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.

I am concerned about my impending trip. What travel information and assistance do you provide?

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 INC/Insured Nomads Community membership and available for 12 months. Download the app in your phones app store and contact members@ for further assistance if needed, or chat with us on our site.

Mental health therapy sessions and telemedicine assistance is also provided within the INC app.

Do I get a plastic ID card mailed to me?

You receive a digital ID card to print, share and add to your digital wallet on your phone (Apple Wallet/Google Pay Wallet). Your digital card should share with someone who is not going with you for easy access in emergency situations.

Do you cover COVID-19?

Yes, COVID-19 is treated as any other illness under this policy.
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.

If I am traveling to a country where I must show proof of coverage in order to receive a work visa, do you help?

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.

If reimbursement is necessary, can you reimburse in my home currency?

We can reimburse you in the currency of your choice. Most members choose to receive payment in US Dollars, Euros, or British Pounds.

I am already on my trip. Can I buy the Insured Nomads travel insurance?

World Explorer: Yes, you may purchase after you have left / your trip had began.

World Explorer Guardian: 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.

Do I have access to your Global Medical Director?

Yes, we are eager to help.

Do you provide direct payment to providers or must I pay first?

Yes, we offer direct payment to providers via our transactional card. If the provider doesn’t offer direct payment, we will quickly reimburse you.

How long does it take to get an ID and Payment card?

Once you join the program, you will be forwarded an electronic ID and Payment Card within 24 hours.

How do I contact claims and policy support after I purchase?

You may reach our service team via phone, email, web portal or through the Insured Nomads app for policy management (iOS Apple and Android app). Check contact numbers at and save this number for reference: +1-205-236-5117

What is the maximum trip length?

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.

Does Insured Nomads provide an ID card that guarantees payment?

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.

What is the Mastercard connection?

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.

What is the process once I apply?

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.

Do you cover COVID-19?

Travel Insurance

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.

Global Medical Insurance/International Health Insurance

Yes, there are no exclusions for Covid-19 care as long as it was not a pre-existing condition exclusion before you purchased the policy. Covid-19 tests and vaccinations are not covered items.

Read more here.

I'm traveling to a different country, do I need to advise you?

It is not necessary to inform us every single time you move around. We made World Explorer and World Explorer Multi with global citizens in mind.

What is the waiting period on Global Health Insurance plans?

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.

Do you provide telemedicine if I am unable to get to a provider?

World Explorer: Our Plan Administrator may arrange Virtual Medicine Consultation for you when you are in the US. 

World Explorer Guardian:
A telemedicine visit may be covered under the policy under the Accident and Sickness Medical Expense benefits, provided all other policy terms have been met (medically necessary, licensed Physician, etc.).

Is there coverage if I go outside my chosen region of cover?

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.

Can I go anywhere in the world for treatment?

You can receive treatment anywhere in the world if you have purchased worldwide coverage. In the USA, prior approval may be necessary.

How do I submit a claim?

World Explorer: As soon as you know that you are ill/injured, contact us through the INC app, global medical assistance numbers, or via email ( Please allow up to 30 days for support to review your claim.

All claims must be filed within 60 days of the date the expense is incurred.

World Explorer Guardian: You may contact the Nationwide Plan Administrator online at:
Customer Service: Toll-free: (833) 682-8342 / Direct-dial: (727) 699-1101
Mailing Address:  Attention: Co-ordinated Benefit Plans, LLC
On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies
P.O. Box 26222
Tampa, FL 33623
Or E-mail your information to:, or Fax to: 800-560-6340


To facilitate prompt claims settlement, You will be asked to provide proof of Your loss. Therefore, be sure to obtain the following as applicable:

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.

What extreme/hazardous sports are excluded on Global Health Insurance?

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.

Do I need to buy the Adventure Sports add-on if I want to surf?

World Explorer: No, it is considered recreational, not adventure or extreme so no additional rider / coverage is required to have it as a covered activity.

World Explorer Guardian: As long as your surfing activity is non-professional and non-competitive, it is considered recreational and considered under coverage. There is no add-on for Adventure sports under this type of policy and there is an exclusion if you participated in Adventure sports.  

Learn more about the plans and view downloadable documents for our insurance for travelers, click here.

Are the plans Patient Protection And Affordable Care Act (PPACA) Compliant?

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.

Can I appeal the decision on a denied claim?

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.

Do I need to add adventure sports if I will go on a hiking or trekking trip?

World Explorer: No, these are not mentioned in the policy and could be considered recreational. 
If hiking/trekking involves going to a higher altitude, it may be considered Mountaineering. You may need to purchase "Adventure Sports" add-on.

World Explorer Guardian:
No, these are not mentioned in the policy and could be considered recreational. 

How do I find the doctors/hospitals in the USA that are part of the network (Aetna PPO)?

Use this link to search and find providers in the Aetna PPO.

Do you offer evacuation benefits for medical, security, or natural disaster?

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.

What is the Maximum cover for trip cancellation under the World Explorer Guardian?

The World Explorer Guardian has 3 plans offered for cancellation with difference maximum benefits:
Guardian 50: 100% of Trip Cost for a maximum of $10,000
Guardian 250: 100% of Trip Costs for a maximum of $15,000
Guardian 500: $100% of the Trip Costs for a maximum of $25,000

Are acts of terrorism covered under the plan?

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.

I'm not a US citizen. Can I purchase your Travel Insurance?

World Explorer and World Explorer Multi is available for anyone. It is designed for global citizens in mind.  

World Explorer Guardian is only available for US citizens at this time.

Go here to purchase the World Explorer policy for travel medical insurance for vacation, workation, remote work.

When does the policy take effect?

World Explorer coverage starts at 12:01 AM EST on the date indicated on the Certificate or the moment you have left home or passport country.

World Explorer Multi coverage with respect to any one trip begins the moment you have left home or passport country.

World Explorer Guardian coverage begins on the effective date, which is the day after the policy is purchased.

Can I have family members on my business travel trip?

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.

Do you have rental car coverage?

World Explorer: There is no benefit for Rental Car damage.

World Explorer Guardian: There is an option to have Rental Car coverage as an add-on benefit.

Do I need Adventure Sports add-on for kitesurfing?

World Explorer: Yes, kitesurfing and kiteboarding are considered Adventure Sports.

World Explorer Guardian: Kitesurfing is covered under the Guardian 500 plan.

Is scuba diving covered?

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.