Innovation & Intelligence for Safety & Wellbeing

International Health Insurance

Get powerful coverage for
the cross-border lifestyle.

Global protection for health, wellbeing & safety

An international lifestyle calls for global medical insurance that protects you and your team around the world. Our medical policies provide a high level of care, benefits and support with a payment card connected to the Mastercard network for ease of payment, in addition to in-app reimbursement and direct pay to our network of over 1 million providers.

Preferred & Preferred Plus

Plans providing medical protection with a high level
of care, benefits, features and support.
Included: Benefits beyond the policy: INC

Tech-Enabled Security,
Safety, and Comfort

When you purchase an International Health Insurance policy you get 12 months of membership to INC by Insured Nomads born and managed from our Juvo Innovation Lab. It is accessed by our app providing the you with a curated bundle of features, services and benefits, including GPS-enabled SOS/panic button response, counseling and wellbeing support, cybersecurity (VPN and protection), telemedicine, global location intelligence, travel alerts, duty of care compliance, airport lounge access and exclusive perks globally. Our team travels with you to provide safety, service and support while empowering policyholders to live and work anywhere around the world.

Wellbeing and mental health counseling 24/7 with multi-lingual options
Virtual health with International Access
Emergency Evacuation for Natural Disaster, Political, or Conflict Situations
Airport lounge access through Priority Pass
Real-time travel alerts, country info on safety, security, medical & more.
Crisis response and emergency assistance 24 hours a day, 365 days a year. Your virtual bodyguard
Cybersecurity and online privacy protection: VPN, antivirus & malware safety
Exclusive Perks & Discounts

Frequently Asked Questions

Insured Nomads Underwriting GmbH has designed and created robust plans as International Health Insurance offering with capacity provided by VYV Groupe/VYV IB (France), and is MFPrévoyance of CNP ASSURANCES (Ratings: Fitch: A+ | Standard & Poor's: A | Moody's: A1). The member benefits of INC are included after the 20th of May 2021 and are separate from the insurance policy, read more here.

Is COVID-19 covered?
Yes, COVID-19 is treated as any other illness under this policy. Be aware the as it is a global medical insurance policy there are no included benefits for hotel quarantine requirements as that is not a medical benefit.
What is the Mastercard connection?
We have seen that change is needed and how it should be easier to use your insurance. On the International Health Insurance plans (Preferred & Preferred Plus) you get a transactional card that is connected to the Mastercard network to pay for authorized claims. In addition, you can use our app (iOS Apple or Android) for processing claims and instant reimbursement, yet we prefer to pay the hospital/clinic directly in all situations where this is possible. (note: our previous plans as Nomad Health Insurance do not have this feature)
Where can I learn more about the INC app?
Read more about the INC app here. Policies purchased after the 18th of May get INC for a 12 month period of time from the start of your policy. 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.
What is the process once I apply?
Once your application is submitted it is then 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, then you will be contacted to provide that information and then it's processed. The decision response is sent to you, and if it's accepted as quoted you get a payment link to complete the purchase. If the policy is offered to you at a new price/premium increased due to health question responses then an offer will be sent for you to accept and then the payment email is issued to you. Soon after the payment is made the policy is then issued to you, you then get a welcome email with all the benefits that come in parallel to the policy so that you can add the apps to your phone and enjoy the features that are along this policy for your wellbeing and safety.
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 https://insurednomads.com/contact and save this number for reference: +1-205-236-5117
What is the waiting period on International Health Insurance plans?
There is not waiting period with the exception of the following: Wellness check-ups: 6 months, Maternity: 10 months, Mental health & substance abuse: 12 months, Organ transplant: 24 months of continuous coverage.
Is there coverage if I go outside my chosen region of cover?
Yes, there is emergency medical cover of €100,000 outside your selected coverage area for max of 45 days per trip.
What extreme/hazardous sports are excluded?
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 king, Aerial activities and sports, Bungee Jumping, Scuba Diving to a depth greater than 30 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 get an additional travel insurance for that period of time only that includes it, click here.

Additional Policy Details

Policy Wording:
Click to view the Preferred (EU and other regions), Preferred Plus (USA and rest of world)

Click here to view the 'Insurance Product Information Document' also known as IPID

Insured Nomads Underwriting GmbH, based in Hamburg, Germany (IDK: D-614H-AG1IB-19) and Insured Nomads - UK branch  in London, England, United Kingdom.

Insured Nomads Corporation (NPN#19616300) acting as the agent in selling these insurance policies in the USA. It receives compensation based on the premiums for the insurance policies it sells.

Coverage may not be available in all jurisdictions.   Further information is available upon request.   Available direct and through select brokerage firms.