What to Think of SoNomad Travel Insurance in 2024?
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Discover the methodologyWhen choosing good travel insurance, it's essential to carefully study the available offers in Canada, the different coverages and premiums offered, among many other criteria. SoNomad provides a travel insurance policy that could meet your needs.
Whether you are an international student, a snowbird, a visitor, or simply a Canadian citizen, you can find a suitable travel plan with SoNomad.
So, let's review the coverage, prices, contact details, pros, and cons of SoNomad's travel insurance to help you make an informed choice.
SoNomad Travel Insurance: Key Takeaways
- SoNomad offers travel insurance for different profiles:
- Canadian citizens,
- International students,
- Snowbirds,
- Visitors.
- SoNomad's travel coverage is comprehensive and customizable.
- Its medical insurance, up to $5 million, notably includes coverage for COVID-19.
- Be mindful of coverage exclusions (such as extreme sports).
- However, an additional rider covering extreme sports is available for a fraction of the cost.
- SoNomad is affordable: up to 25% cheaper than its competitors.
- Get a free SoNomad quote via our partner link.
Our Opinion on SoNomad Travel Insurance
SoNomad is a relatively new travel insurance company that has gained popularity in recent years due to its low prices and comprehensive coverage. Although it is a Canadian company, it offers travel insurance to residents of many countries worldwide.
While traditional insurance brokers often impose substantial commission fees, SoNomad takes a different approach. The company charges minimal fees, allowing its clients to save up to 25%.
SoNomad’s travel insurance plans cover a wide range of risks, including but not limited to:
- Medical emergencies and evacuation
- Trip cancellation insurance
- Trip interruption insurance
- Lost, stolen, or damaged luggage insurance
- Flight delays and cancellations
- Damage to rental cars
SoNomad's plans are also very affordable, as highlighted in several online reviews, especially when compared to traditional travel insurance companies.
For example
A one-week trip to Europe for a 30-year-old traveller would cost about $50 with SoNomad, whereas it would be over $100 with a traditional company.
Additionally, unlike other providers that typically charge service and administrative fees for changing travel dates, SoNomad stands out by not imposing such fees. This makes SoNomad a more cost-effective and flexible option for travellers.
Lastly, customer reviews of SoNomad are mostly positive, with many travellers appreciating the company's low prices and comprehensive coverage.
Interested in SoNomad travel insurance? If so, you can get a free quote via our partner link below.
Pros of soNomad Insurance
- Attractive pricing
- Comprehensive travel coverage
- Easy-to-use website and mobile app
- COVID coverage at no additional cost
- Option to get an online quote
- Some plans include exclusions (such as extreme sports), but a rider for extreme sports can be added for a fraction of the cost
- Travel insurance covers pre-existing conditions
Cons of soNomad Insurance
- Some plans have limited coverage for certain activities, such as extreme sports
If you want to see how soNomad fares against other providers, you can do it right here. Use our free comparator below to compare plans and get free quotes from the best travel insurance companies in Canada, and in a few seconds.
Compare best travel insurance in Canada in 20 seconds.
Who owns soNomad?
soNomad is a private company founded by Mathieu Laplante and Eve Murphy. The founders alone bring over 25 years of experience in travel insurance in Canada.
The soNomad adventure began with a shared belief that the travel insurance industry desperately needed change. Over time, soNomad observed the overwhelming complexity and uncertainty that often accompanied the purchase of travel insurance. They decided to innovate and transform the standards, driven by the conviction that insurance should be simple, quick, and affordable for all travelers.
soNomad's mission is clear: to offer a simplified experience for travellers seeking travel insurance. They firmly believe that every traveler deserves reliable travel insurance without breaking the bank. Their commitment to providing competitive rates allows travellers to explore the world with peace of mind, knowing they are covered without emptying their bank account.
Good to know
soNomad is a travel insurance company licensed and registered in Canada. The company is also a member of the Canadian Travel Insurance Association (THIA).
What are the soNomad travel insurance plans?
soNomad offers 4 travel insurance plans to its members:
- soNomad emergency medical insurance
- soNomad trip cancellation and interruption insurance
- soNomad all-inclusive travel insurance
- soNomad visitor insurance for Canada, including Super Visas
soNomad emergency medical insurance
soNomad's medical insurance for Canadians traveling outside their province covers a wide range of medical emergencies, including:
- Doctor visits
- Hospitalization
- Prescription medications
- Medical evacuation
- Emergency dental care
Good to know
This plan also covers COVID-19 and all its variants at no additional cost. You can even choose a version of this plan that covers pre-existing conditions.
soNomad trip cancellation and interruption insurance
soNomad's trip cancellation and interruption insurance is designed to protect you against financial losses if you cannot travel or if your trip is interrupted due to an unforeseen event. Covered events include:
- Illness, injury, or death of yourself or a family member
- Natural disasters (hurricanes, earthquakes, floods, etc.)
- War, terrorism, or civil unrest
- Flight cancellation or delay
Good to know
If you need to cancel your trip for a covered reason, soNomad will reimburse you for the non-refundable portion of your travel expenses. Similarly, if your trip is interrupted for a covered reason, soNomad will reimburse you for the unused portion of your travel expenses, as well as return or trip continuation costs.
soNomad all-inclusive travel insurance
This is the most comprehensive insurance plan; it not only covers emergency medical hospitalization but also protects you against financial losses if you cannot travel or if your trip is interrupted due to an unforeseen event. Covered events include:
- Emergency medical hospitalization
- Trip cancellation and interruption
- Travel delay
- Loss or theft of baggage
- Accidental death and dismemberment
soNomad visitor insurance for Canada
soNomad's Visitor Insurance covers visitors to Canada against unexpected medical expenses and other travel-related risks. The insurance covers a wide range of events:
- Medical emergencies and evacuation
- Doctor visits
- Hospitalization
- Prescription medications
- Medical evacuation
- Emergency dental care
Good to know
soNomad Visitor Insurance for Canada is one of the few that covers COVID-19. If you test positive during your stay in Canada, soNomad will cover the cost of your medical treatment and quarantine. Additionally, the Visitor Insurance for Canada meets the requirements established by the Canadian government for Super Visas.
What is the cost of soNomad travel insurance in 2024?
The cost of soNomad travel insurance depends on several factors:
- Travel plan selected (coverage limits and desired options)
- Trip duration (the longer your trip, the more expensive the insurance)
- Destination (for example, a trip to the United States, where medical costs are high, is more expensive)
- Subscriber profile (age, any pre-existing conditions, etc.)
Here is an estimate of the cost of soNomad travel insurance (thanks to their exclusive product offers through Axis Travel Insurance) for a 19-day stay in the UAE and India for a 27-year-old resident of British Columbia:
| Coverage | All-Inclusive Plan (Adventure) |
|---|---|
| Amount Insured | $5,000 |
| Cost | $205.88 |
| Cancellation and Interruption Insurance | Up to $5,000 |
| Emergency Medical and Hospitalization | Up to $2 million (including COVID) |
| Lost/Delayed Baggage Insurance | Up to $1,500 |
If you only need medical insurance, the cost of soNomad travel insurance is:
| Coverage | soNomad Medical Travel Insurance |
|---|---|
| Cost | $33.88 |
| Deductible | $200 |
| Emergency Medical and Hospitalization | Up to $2 million |
| COVID Coverage | Includes coverage for all infectious diseases |
| Emergency Evacuation and Repatriation | Cost of a one-way plane ticket or air ambulance |
If you only need trip cancellation insurance, the cost is:
| Coverage | soNomad Trip Cancellation Insurance |
|---|---|
| Amount Insured | $5,000 |
| Cost | $153.00 |
| Cancellation Insurance | Up to $5,000 |
| Trip Interruption (cruise and/or land stay) | Up to $5,000 |
| Trip Interruption (return flight) | Up to $750 |
Before making a decision, we recommend shopping around for different travel insurance options in Canada. This way, you can be sure to choose the best plan for your travel plans. You can use our free tool below to compare multiple travel insurance quotes to get the best deal.
Compare the best travel insurance plans on the market!
What are the exclusions of soNomad travel insurance?
Exclusions for soNomad vary depending on the specific travel policy you have. However, here are some common exclusions:
- Pre-existing conditions, if pre-existing conditions are not stable and controlled according to the terms of the policy
- Intentional acts
- Criminal activities
- War and terrorism
- High-risk activities, such as extreme sports (e.g., skydiving) (unless you purchase additional coverage)
Be sure to read your entire insurance policy to understand your exclusions. Here are a few tips to fully benefit from your travel coverage without being limited by exclusions:
- Declare all pre-existing conditions to your insurance company at the time of purchase.
- Be aware of the political situation and safety conditions in your destination country.
- Take reasonable precautions to protect your belongings and yourself.
Good to know
If you have questions about soNomad's exclusions, don't hesitate to get in touch with the company directly.
What does soNomad offer for Snowbirds?
soNomad's Snowbird travel insurance is, as its name suggests, a policy specifically designed for Canadian Snowbirds. This protection provides comprehensive coverage for Snowbirds travelling outside of Canada for an extended period, typically during the winter months.
The plan covers a wide range of risks, including:
- Emergency medical care
- Hospitalization
- Ambulance transportation
- Emergency repatriation
- Emergency round-trip
- COVID-19 or other infectious disease-related care
- Medication expenses following an emergency
- Evacuation
soNomad's Snowbird insurance also offers features specifically tailored for Snowbirds:
- Coverage for pre-existing conditions
- Advantageous payment options (in installments)
- Coverage for travel to the United States, Mexico, and other destinations worldwide
- Coverage for trips of up to 12 months
The cost of soNomad’s Snowbird insurance depends on the duration of your trip, your destination, and your age. However, soNomad is known for its affordable rates, especially compared to traditional travel insurance companies, thanks to its exclusive product offerings. Again, feel free to request a quote from the insurer:
Contact: How to reach soNomad?
You can contact soNomad travel insurance in several ways:
| Contact Method | Details |
|---|---|
| Website | sonomad.com (via the online form, to be filled with your name, phone number, email, and province of residence. A soNomad agent will call you back) |
| Phone | 1-855-221-4555 |
| [email protected] | |
| Quote Request |
