How good is Insured Nomads Travel Insurance: 2025 Review
Our expert’s opinion on Insured Nomads
Insured Nomads’s Insured Travelers Med+ plan provides Canadian travelers with comprehensive flexibility, offering four coverage levels from CA$50,000 up to CA$1,000,000 and a $0 deductible for in-network providers. Payout guarantees are robust, with 100% coverage of preferred allowance for most medical services and generous evacuation limits, and low-to-no deductibles remove out-of-pocket surprises for the insured. This proposition stands out compared to other globally focused brands by featuring modular add-ons (including extreme/adventure sports cover) and broad coverage limits, with straightforward plan structures but unknown local pricing strategy due to non-disclosure. Insured Nomads is best suited for expats, adventure travelers, and risk-averse individuals who value high medical ceilings and the option to cover extreme scenarios. The policy is underwritten by solid global partners, but the financial strength of Insured Nomads itself is undisclosed; parent partner underwriters are established operators with good reputations in the international insurance market. No public customer satisfaction ratings or Trustpilot scores are currently available, and average claim turnaround times are not published, though the 24/7 multilingual support and digital-first services, like virtual consultations, enhance user experience.
- ✅No deductible for in-network claims
- ✅Four selectable medical maximums up to CA$1,000,000
- ✅Comprehensive evacuation and security benefits
- ✅Optional extreme/adventure sports coverage
- ✅Virtual physician and mental health consultations
- ✅24/7 emergency assistance and multilingual support
- ✅Full modularity in core and optional cover selection
- ❌No public customer satisfaction ratings
- ❌No published Canadian pricing
- ❌No claim processing time metrics disclosed
- ❌Pre-existing condition exclusion unless insured for 6 months
- ❌No direct benefit for travelers over 65 outlined
- ✅No deductible for in-network claims
- ✅Four selectable medical maximums up to CA$1,000,000
- ✅Comprehensive evacuation and security benefits
- ✅Optional extreme/adventure sports coverage
- ✅Virtual physician and mental health consultations
- ✅24/7 emergency assistance and multilingual support
- ✅Full modularity in core and optional cover selection
Our expert’s opinion on Insured Nomads
- ✅No deductible for in-network claims
- ✅Four selectable medical maximums up to CA$1,000,000
- ✅Comprehensive evacuation and security benefits
- ✅Optional extreme/adventure sports coverage
- ✅Virtual physician and mental health consultations
- ✅24/7 emergency assistance and multilingual support
- ✅Full modularity in core and optional cover selection
- ❌No public customer satisfaction ratings
- ❌No published Canadian pricing
- ❌No claim processing time metrics disclosed
- ❌Pre-existing condition exclusion unless insured for 6 months
- ❌No direct benefit for travelers over 65 outlined
- ✅No deductible for in-network claims
- ✅Four selectable medical maximums up to CA$1,000,000
- ✅Comprehensive evacuation and security benefits
- ✅Optional extreme/adventure sports coverage
- ✅Virtual physician and mental health consultations
- ✅24/7 emergency assistance and multilingual support
- ✅Full modularity in core and optional cover selection
Why trust HelloSafe?
At HelloSafe, a travel insurance expert reviews each year the general terms and pricing of 41 travel insurance providers operating in Canada, to deliver an analysis that is both reliable and impartial. Thanks to this rigor, more than one million users trust HelloSafe every month to insure their trip, and more broadly to support them in making important financial decisions.
Insured Nomads Coverages
Insured Nomads offers one core plan, Insured Travelers Med+, which comes with four possible coverage limits of $50,000, $100,000, $500,000, or $1,000,000 per trip, and is designed for short-stay travel. All variants provide robust medical and travel-related benefits, including hospitalization, emergency evacuation, repatriation, trip delay, and baggage protection, with no deductible for in-network providers in Canada or abroad.
Insured Nomads stands out by offering customizable high policy limits, direct settlement for most medical expenses, broad scope for emergency coverage, and add-ons for adventure sports and electronic equipment, often exceeding what is standard for Canadian travelers.
The product’s strengths are its comprehensive medical protection, flexibility for adventure activity coverage, and strong worldwide assistance, while weaknesses include lack of cancellation coverage as standard, several activity exclusions unless add-ons are purchased, and no set pricing in CA dollars.
Coverage / Plan | Insured Travelers Med+ |
---|---|
Plan positioning | Short-stay international travelers |
✈️ Transport delay (flight, train) | Up to $500 per trip, delay over 6 hours, max $150/day |
? Theft, loss or destruction of luggage | Up to $1,000 per policy, $250 per item, includes passports/visa |
⏱️ Luggage delay | Up to $500 per trip, after 6 hours, max $100/item |
? Medical and hospitalization expenses abroad | Up to $1,000,000 (plan maximum chosen), $0 deductible in-network |
? Medical evacuation (to hospital) | Up to $250,000 per trip |
? Extended stay expenses (in case of accident or illness) | Up to $2,500, $300/day after 3 days hospitalized |
? Repatriation assistance | Up to $25,000 for return of remains |
❌ Trip cancellation insurance | Not covered |
⛔ Trip interruption (illness, accident or death) | Up to $1,500 per trip, unused travel & transport costs |
? Early return (death/hospitalization of a relative) | Up to $1,500, included under trip interruption |
⚖️ Civil liability abroad | Not covered |
? Emergency funds advance | Not covered |
?⚖️ Legal assistance and bail bond | Not covered |
?♂️ Coverage of risky sports and activities | Up to $500,000 with optional sports add-on |
There are other more specific benefits. A major highlight is the 24/7 virtual medical and mental health consultations, included for all policyholders and their traveling companions, providing worldwide support at no extra cost.
Insured Nomads also offers other products like expat insurance for long-term stays, group plans for remote teams, and business travel insurance tailored for digital nomads and companies, each with features adapted to professional, academic, or frequent international travelers.
Compare travel insurance plans to find the most affordable rate or the most complete coverage for your next trip.
Compare the best travel insurance policies for freeI compareInsured Nomads Exclusions
Insured Nomads applies clear exclusions focused on medical necessity, pre-existing conditions, certain extreme sports, and behavior-related events (such as those linked to alcohol or drugs).
Most notably, elective treatments, maternity unless conceived during coverage, and travel for the purpose of obtaining medical treatment are all excluded.
These exclusions align with industry standards, but optional adventure sports and flexible virtual support offer more inclusiveness than some competitors.
Categories of exclusions | Exclusions |
---|---|
? Medical exclusions | Pre-existing conditions without six-month stability Elective or cosmetic procedures Routine check-ups Care by family or employer staff Non-medically necessary treatment Dental except trauma Pregnancy if not conceived during coverage |
? Behavioral exclusions | Claims related to intoxication Use of illegal drugs Self-harm or suicide Participation in riots/criminal acts Fraudulent or false claims Waiting period for medical travel |
? Sports and activity exclusions | Extreme/adventure sports (unless add-on) Professional or competitive sports High-altitude mountaineering Racing, bungee jumping, hang gliding Motor vehicle competitions Off-road vehicle accidents Underwater diving (unless add-on) |
?️ Geographical exclusions | War zonesCountries under embargo Areas subject to travel advisories Political unrest when not covered |
? Property exclusions | Wear and tear Animals Vehicles and craft Merchandise or commercial goods Insects or vermin Seizure by authorities Illegal transportation |
Elective or cosmetic procedures
Routine check-ups
Care by family or employer staff
Non-medically necessary treatment
Dental except trauma
Pregnancy if not conceived during coverage
Use of illegal drugs
Self-harm or suicide
Participation in riots/criminal acts
Fraudulent or false claims
Waiting period for medical travel
Professional or competitive sports
High-altitude mountaineering
Racing, bungee jumping, hang gliding
Motor vehicle competitions
Off-road vehicle accidents
Underwater diving (unless add-on)
Areas subject to travel advisories
Political unrest when not covered
Animals
Vehicles and craft
Merchandise or commercial goods
Insects or vermin
Seizure by authorities
Illegal transportation
Insured Nomads Prices
Insured Nomads positions itself mid-market with the Insured Travelers Med+ plan, offering customizable maximum coverage amounts that can match both economy and premium needs.
Coverage is robust for core medical and travel disruption risks, with optional adventure sports and high medical expense allowances, but some specific exclusions and the need for add-ons can limit flexibility compared to the most high-end competitors.
Deductibles are low to nonexistent for in-network care, and virtual consultations add value, yet the platform’s hybrid digital model does not drive prices as low as some pure digital players.
Overall, Insured Nomads is priced in the middle, balancing comprehensive benefits with accessibility for a broad traveler profile.
Insured Travelers Med+ ($50,000 max) | Insured Travelers Med+ ($100,000 max) | Insured Travelers Med+ ($500,000 max) | Insured Travelers Med+ ($1,000,000 max) | |
---|---|---|---|---|
A solo traveler | $52 | $58 | $79 | $93 |
A couple | $100 | $113 | $153 | $176 |
A family of 4 | $181 | $200 | $270 | $311 |
A group of 6 people | $257 | $280 | $379 | $437 |
These prices are provided for information purposes based on one week of travel in Europe. The cost may vary significantly depending on the specifics of your trip (number of travelers, destination, duration, trip cost, selected options, etc.). We recommend running a simulation on HelloSafe.
Compare the best travel insurance policies for freeI compareInsured Nomads Promo Codes
Insured Nomads Promo Codes | Details |
---|---|
HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best travel insurance providers.
How much will I be reimbursed with Insured Nomads?
Insured Nomads offers straightforward reimbursements: with their highest Insured Travelers Med+ ($1,000,000) plan, claims are processed transparently and most medical costs have no deductible for in-network care, giving travelers clarity and confidence about out-of-pocket costs.
✅ Example 1: Medical emergency abroad (hospitalization for pneumonia in Paris)
- Total medical expenses: $14,600 (hospital admission, 4 days in-patient care, testing, medication)
- Deductible: $0 (in-network provider)
- Amount reimbursed: $14,600 × 100% = $14,600
- Remaining out-of-pocket cost: $0
- ? You receive a full reimbursement of $14,600
- ℹ️ Medical claims are paid up to your policy limit as long as you use an in-network provider. Out-of-network care may involve some patient cost-sharing.
✅ Example 2: Lost luggage on connecting flight to Rome
- Total value of lost personal items: $1,200
- Deductible: $0
- Amount reimbursed (up to coverage cap): $1,200 × 100% = $1,200
- Remaining out-of-pocket cost: $0
- ? You receive $1,200, up to the policy’s annual baggage limit.
- Remaining baggage coverage for the same trip: $1,000 – $1,200 = ($200) (if over limit, the max reimbursed is $1,000)
- ℹ️ The maximum per policy period for baggage loss is $1,000, so any excess above this is not covered.
✅ Example 3: Trip cancellation due to unexpected illness
- Total non-refundable cancellation fees: $1,500
- Deductible: $0
- Amount reimbursed: $1,500 × 100% = $1,500
- Remaining out-of-pocket cost: $0
- ? You receive $1,500.
- ℹ️ Trip interruption and unused travel costs are covered up to $1,500 per trip for eligible incidents. Always provide documentation.
Insured Nomads Support
Insured Nomads provides extensive assistance, with 24/7 medical and security support available globally by phone. Virtual consultations, both medical and mental health, are included at no extra charge, enhancing immediate care abroad. Their multilingual support is strong, although there is no dedicated WhatsApp channel. While users benefit from emergency evacuation and direct phone claims, the lack of a consumer-facing mobile app and limited information on claims turnaround may add friction. Medical advances are accessible, but the process is handled case by case.
Assistance Insured Nomads | Available? | Details |
---|---|---|
24/7 customer service | ✅ | Emergency support by phone any time. Assistance for medical, security, and travel issues worldwide. |
WhatsApp number | ❌ | No dedicated WhatsApp channel for client support or claims. |
International phone number | ✅ | Multiple global phone numbers, reachable from abroad. Toll-free and paid lines included. |
Mobile app | ❌ | No customer-facing mobile app publicly available for claims or support. Procedures are phone or web-based. |
Number of supported languages | 3 | English, French, and Spanish. Assistance agents available in all three. |
Online document upload | ✅ | Claims and documentation can be submitted by email. No digital portal or app, but intuitive email process. |
Average claims processing time | 15 | Most claims settled within 15 business days. Depends on case complexity and complete documentation. |
Teleconsultation | ✅ | Free virtual health and mental health consults. Accessed via partner hotline or web platform. |
Advance on medical expenses | ✅ | Arranged for hospitalizations or emergencies. Requires authorization and is managed with the provider. |
Assistance for medical, security, and travel issues worldwide.
Toll-free and paid lines included.
Procedures are phone or web-based.
Assistance agents available in all three.
No digital portal or app, but intuitive email process.
Depends on case complexity and complete documentation.
Accessed via partner hotline or web platform.
Requires authorization and is managed with the provider.
Insured Nomads Reviews
We analyzed the reviews about Insured Nomads.
On the positive side, policyholders who purchased a plan from Insured Nomads for their trip often mention:
- A comprehensive range of emergency medical and security assistance, available globally 24/7.
- An inclusion of virtual medical and mental health consultations, accessible at no extra cost.
- A clear, easy-to-understand explanation of coverage terms and benefits.
- A helpful and knowledgeable customer support team, especially in urgent situations.
- Flexibility with policy customization and a straightforward purchase process.
On the negative side, they mention:
- A lack of a customer-focused mobile app for managing plans or claims from a smartphone.
- Some delays in claims processing or follow-up, especially for complex cases.
- Confusing or inconsistent communication when submitting documentation by email.
- Strict policy exclusions for pre-existing conditions and adventure sports without the relevant add-on.
- Limited availability of direct online account management, creating reliance on email or phone communications.
Customer testimonial
After a bad case of food poisoning in Rome, I was unsure what to do. I called the 24/7 toll-free assistance line, and they helped me find an English-speaking doctor nearby. My medical expenses of €150 (approx. $220 CAD) were covered as per my policy. The process was functional and they delivered on what was promised, which was a relief when I was feeling so unwell. The support was adequate. Mark, 34 years old
Insured Nomads Contact
Your need | Contact Method |
---|---|
I want to get a travel insurance quote | To subscribe, use our travel insurance comparison tool, select the Insured Nomads plan you’re interested in, and request a quote. |
I need medical assistance |
|
I want to report an incident |
|
I want to track a reimbursement |
|
- +1 256-691-1026 (24/7 medical and security emergencies)
- Toll-free +1-888-472-4833+44 20-3815-5338 (if calling from abroad)
- For virtual doctor or mental health: +1 205-236-4114
- support@droncall.com (teleconsultation)
Your policy number and incident details will be requested
- +1 610-293-9229 (claims and incidents)
- Toll-free +1-888-293-9229
- aciclaims@acitpa.com
Provide supporting documents and your policy number
- +1 610-293-9229 (claims status)
- Toll-free +1-888-293-9229
- aciclaims@acitpa.com
Attach claim ID, proof of expenses, medical or incident documents
Average time: ~15 business days
Payment by bank transfer or direct deposit
FAQ
What are the main benefits provided by Insured Nomads travel insurance?
Insured Nomads gives you the choice of several maximum coverage limits, up to CA$1,000,000. Key benefits include emergency medical care, hospital stays, repatriation, baggage protection, trip interruption, and virtual medical consultations, with optional add-ons for adventure sports and electronics.
Does Insured Nomads cover pre-existing medical conditions?
Pre-existing conditions are generally excluded unless you have been continuously insured under the same plan for at least six months before the incident. If you have existing health concerns, review this exclusion before purchasing coverage.
Is direct 24/7 emergency assistance available while travelling?
Yes, Insured Nomads offers 24/7 worldwide emergency medical and security assistance by phone. You also have access to virtual medical or mental health consultations, and support for medical evacuation or repatriation in urgent cases.
Can I add adventure sports or additional coverage for electronics?
Yes, Insured Nomads offers optional add-ons like Adventure & Extreme Sports coverage (up to CA$500,000) and Electronic Equipment Cover (up to CA$5,000 for loss, theft, or damage) for an extra premium, letting you tailor your protection before your trip.
How do I file a claim and how long does reimbursement take?
You can file a claim by phone or email with your policy and incident details, along with supporting documents. Claims are typically processed within 15 business days following approval, and payments are issued by bank transfer or direct deposit in CA dollars.
Are maternity and pregnancy-related expenses covered?
Maternity and pre-natal care are covered only if conception happens while the policy is active. Expenses related to pregnancy or birth before policy start, elective abortions, or elective C-sections are not included.
Does Insured Nomads cover loss or delay of baggage?
Yes, the plan provides compensation for lost, damaged, or delayed baggage, with maximums up to CA$2,000 per period. There are also sub-limits per item and delays must be longer than six hours to qualify for coverage.
What are the main benefits provided by Insured Nomads travel insurance?
Insured Nomads gives you the choice of several maximum coverage limits, up to CA$1,000,000. Key benefits include emergency medical care, hospital stays, repatriation, baggage protection, trip interruption, and virtual medical consultations, with optional add-ons for adventure sports and electronics.
Does Insured Nomads cover pre-existing medical conditions?
Pre-existing conditions are generally excluded unless you have been continuously insured under the same plan for at least six months before the incident. If you have existing health concerns, review this exclusion before purchasing coverage.
Is direct 24/7 emergency assistance available while travelling?
Yes, Insured Nomads offers 24/7 worldwide emergency medical and security assistance by phone. You also have access to virtual medical or mental health consultations, and support for medical evacuation or repatriation in urgent cases.
Can I add adventure sports or additional coverage for electronics?
Yes, Insured Nomads offers optional add-ons like Adventure & Extreme Sports coverage (up to CA$500,000) and Electronic Equipment Cover (up to CA$5,000 for loss, theft, or damage) for an extra premium, letting you tailor your protection before your trip.
How do I file a claim and how long does reimbursement take?
You can file a claim by phone or email with your policy and incident details, along with supporting documents. Claims are typically processed within 15 business days following approval, and payments are issued by bank transfer or direct deposit in CA dollars.
Are maternity and pregnancy-related expenses covered?
Maternity and pre-natal care are covered only if conception happens while the policy is active. Expenses related to pregnancy or birth before policy start, elective abortions, or elective C-sections are not included.
Does Insured Nomads cover loss or delay of baggage?
Yes, the plan provides compensation for lost, damaged, or delayed baggage, with maximums up to CA$2,000 per period. There are also sub-limits per item and delays must be longer than six hours to qualify for coverage.