Is soNomad insurance best for you? Review 2024

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Sunny Yadav updated on 3 November 2023

Getting a good travel insurance plan requires careful research and considering multiple factors that make it complicated. That's where soNomad Insurance comes into the picture.

You could be a snowbird, an international student, or a regular Canadian traveler or visitor, no matter who you are, soNomad insurance makes buying a travel insurance plan easy, quick, and affordable.

So let's dive into the various coverage options, pros, cons, and costs of soNomad travel insurance, so you can decide if it's the right choice for you. You can use our free comparator to compare soNomad plans with other providers and get travel insurance quotes in seconds right here.

soNomad Insurance Canada: 5 Key Takeaways

  1. soNomad offers a compelling combination of affordability and comprehensive coverage.
  2. Its plans cover an array of travel risks, including medical emergencies and trip cancellations.
  3. soNomad offers COVID-19 coverage at no additional cost.
  4. It enhances the customer experience with an easy-to-use website. 
  5. soNomad caters to various types of travelers, including Canadian Snowbirds.

Our soNomad insurance review for 2024

soNomad is a relatively new travel insurance company that has been gaining popularity in recent years due to its low prices and comprehensive coverage. It is a Canadian company, but it offers travel insurance to residents of many countries around the world.

While conventional insurance brokers may impose substantial commission fees, SoNomad adopts a different approach. They levy a minimal fee, emphasizing that this can result in savings of approximately 25% for their clients.

soNomad's travel insurance plans cover a wide range of risks, including the following but not restricted to:

soNomad's plans are also very affordable as mentioned in several soNomad insurance reviews online, especially compared to traditional travel insurance companies. For example, a one-week trip to Europe for a 30-year-old traveler would cost around $50 (approx.) with soNomad, but over $100 with a traditional company.

Moreover, unlike other providers who commonly charge service and administrative fees for altering travel dates, SoNomad distinguishes itself by not imposing any such charges. This sets them apart as a more cost-effective and flexible choice for travelers.

The soNomad insurance reviews have been mostly positive from travelers. Many people appreciate the company's low prices and comprehensive coverage. If you think soNomad is the right choice for you, you can get personalized quotes right here.

Pros and cons of soNomad travel insurance


  • Affordable prices
  • Comprehensive coverage
  • Easy-to-use website and app
  • COVID-19 coverage included at no extra cost
  • Quick quotes online


  • Some plans have limited coverage for certain activities, such as extreme sports
  • Pre-existing conditions coverage at extra cost

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.


What is the cost of soNomad insurance?

The cost of soNomad insurance depends on the type of insurance you purchase, the length of your trip, the destination you are traveling to, and your age. You can get a free quote on the soNomad website or using our free comparator above.

Here is an estimate of the cost of soNomad insurance (via Axis travel insurance) for a 19-day trip to UAE and India for a 27-year-old traveler (BC resident):

CoverageNomadAdventure (All Inclusive)
Trip value
Trip Cancellation & Trip Interruption
Up to the sum insured
Emergency medical and hospital
Up to $2 million in coverage including coverage for covid-19
Baggage loss or delay
Up to $1,500 in coverage
Cost of soNomad's all-inclusive plan

If you need medical coverage only, here’s what the cost would look like:

CoverageMedical (single trip)
Emergency medical & hospital
Up to $2 Million in coverage
Covid-19 coverage
Coverage for any infectious disease included
Emergency Evacuation and Repatriation
Cost of one-way airfare or air ambulancet
Cost of soNomad's medical plan

If you choose trip cancellation only, you will end up paying:

CoverageNomadAdventure (trip cancellation)
Trip value
Trip Cancellation
Up to the sum insured
Trip Interruption - cruise and/or land
Up to the sum insured
Trip Interruption - return flight
Up to $750
Cost of soNomad's trip cancellation plan

It is important to get quotes based on your unique situation to know the exact expense. You can use our free comparator below to compare plans and get free personalized quotes from soNomad and other best travel insurance providers in no time right here.

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Who owns soNomad insurance?

soNomad travel insurance is a privately held company founded in 2019 by Mathieu Laplante and Patrick Lavoie. Laplante is the company's CEO and Lavoie is the Chief Strategy Officer.

Here are some other key facts about the company:

  • soNomad has partnered with several industry-leading insurance companies to offer its travel insurance plans, including Berkshire Hathaway's National Liability & Fire Insurance Company.
  • This means that soNomad customers are protected by some of the most financially sound insurance companies in the world.
  • soNomad is headquartered in Brossard, Quebec, Canada.
  • The company has a team of experienced insurance professionals who are dedicated to providing customers with the best possible travel insurance experience.

By establishing partnerships with some of the world's largest insurance companies, SoNomad is able to provide unique, exclusive products in collaboration with these insurers. This strategic collaboration enables SoNomad to maintain a minimal transaction fee, enhancing affordability and expanding options for their customers.

<strong>Is soNomad insurance legit? </strong>

Yes, soNomad insurance is legitimate. soNomad is a licensed and registered travel insurance company in Canada. It is also a member of the Travel Health Insurance Association of Canada (THIA).

What are the types of soNomad insurance?

There are three types of soNomad insurance that you can benefit from:

  1. Medical insurance
  2. Trip insurance
  3. Visitors Insurance

Let’s dig deep into each plan and what they cover.

soNomad Medical Insurance

soNomad's medical insurance for Canadians traveling outside their provinces is a comprehensive plan that covers a wide range of medical emergencies, including:

  • Doctor visits
  • Hospitalization
  • Prescription drugs
  • Medical evacuation
  • Emergency dental care

This plan also covers COVID-19 and all its variants, at no extra cost. You can even choose a variant of this plan that covers pre-existing conditions.

soNomad Trip Insurance

soNomad's trip cancellation and interruption insurance plan is designed to protect you from financial losses if you are unable to take your trip or if your trip is interrupted due to an unexpected event.

Covered events include:

  • Sickness, injury, or death of you or a family member
  • Natural disasters, such as hurricanes, earthquakes, and floods
  • War, terrorism, or civil unrest
  • Flight cancellations or delays
  • Lost or stolen luggage

If you need to cancel your trip for a covered reason, soNomad will reimburse you for the non-refundable portion of your trip costs.

If your trip is interrupted due to a covered reason, soNomad will reimburse you for the unused portion of your trip costs, as well as the cost of returning home or rejoining your trip.

soNomad Visitors Insurance

soNomad's Visitors to Canada travel insurance plan is a comprehensive plan that protects visitors to Canada from unexpected medical expenses and other travel-related risks. The plan covers a wide range of events, including:

  • Medical emergencies and evacuation
  • Trip cancellation and interruption
  • Lost, stolen, or damaged luggage
  • Flight delays and cancellations
  • Rental car damage

Good to know

soNomad's visitors to Canada travel insurance plan is also one of the few plans that covers COVID-19. If you test positive for COVID-19 while you are in Canada, soNomad will cover the cost of your medical treatment and quarantine.

What are the exclusions of soNomad insurance?

SoNomad's exclusions vary depending on the policy you purchase. However, some general exclusions include:

  • Pre-existing medical conditions (unless you purchase additional coverage)
  • Intentional acts
  • Criminal activity
  • War and terrorism
  • High-risk activities, such as extreme sports

It is important to read the full policy document to understand all of the exclusions. Here are some tips for avoiding travel insurance exclusions:

  • Disclose all pre-existing medical conditions to your insurance company when you purchase your policy.
  • Avoid participating in high-risk activities while traveling.
  • Be aware of the political and security situation in your destination country.
  • Take reasonable precautions to protect your belongings and yourself.

If you have any questions about soNomad's exclusions, please contact the company directly.

What is soNomad's Snowbirds insurance?

soNomad's Snowbirds Insurance is a travel insurance plan designed specifically for Canadian Snowbirds. It provides comprehensive coverage for Snowbirds who are traveling outside of Canada for an extended period of time, typically during the winter months.

The plan covers a wide range of risks, including:

  • Emergency medical and evacuation
  • Trip cancellation and interruption
  • Lost, stolen, or damaged luggage
  • Flight delays and cancellations
  • Rental car damage

soNomad's Snowbirds insurance also includes a number of features that are specifically tailored to the needs of Snowbirds, such as:

  • Coverage for pre-existing medical conditions (with additional premium)
  • Coverage for snow sports (with additional premium)
  • Coverage for travel to the United States and Mexico
  • Coverage for travel up to 12 months

The cost of soNomad's Snowbirds insurance depends on the length of your trip, the destination you are traveling to, and your age. However, soNomad is known for its affordable prices, especially compared to traditional travel insurance companies.

How to contact soNomad insurance?

There are a couple of ways in which you can get in touch with soNomad. For instance, you can visit their website and fill in an online form. An authorized customer agent from the team will get in touch with you. You will need to enter some basic information like: 

  • Name
  • Contact number
  • Email
  • Province of residence
  • Call back option

Alternatively, you can call the company at 1-855-221-4555 or email at [email protected]. SoNomad travel insurance reviews have been highly positive for their customer service.

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Sunny Yadav Copywriter

Sunny has over six years of experience curating engaging content spanning across industries. Specifically in finance, his expertise is insurance reviews and lending and investment topics.