Atlas Nomads is flexible digital nomad health insurance that provides you with coverage for unexpected accidents, sickness, and travel mishaps as you live and work abroad. This plan includes a $0 deductible and pays 100% of eligible expenses up to your overall maximum limit.
Atlas
Nomads™
Insurance
Nomad Insurance for remote workers and perpetual travelers
Does your health insurance cover you as you travel and work outside your home country? Many people are taking advantage of remote work by working abroad. This creates a better work-life balance that gives many workers the opportunity for adventures while earning a living. Nomad health insurance provides coverage for eligible unexpected injury and illness, trip interruption, and more while you work and explore the world abroad.
Our Atlas Nomads plan is flexible to better support your lifestyle. You can purchase a policy that provides up to 365 days of coverage, pay up front or select a monthly payment option, and purchase your plan at any time—even after departure. If you are a non-U.S. citizen or resident and you are traveling and working away from your home country, the Atlas Nomads insurance plan from WorldTrips can provide you with health coverage.
Nomad Insurance
Benefits
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Atlas Nomads
Insurance -
Policy
Documentation -
Nomad Insurance
Exclusions
Highlights:
- Up to $250,000 of Overall Maximum Coverage
- Up to $100,000 for Emergency Medical Evacuation
- Up to $10,000 for Political Evacuation
- Up to $10,000 for Crisis Response
- Up to $5,000 for Trip Interruption
Plan Details
Overall Maximum Limit
Up to age 64: $250,000
Age 65 to 69: $100,000
Maximum per Injury / Illness
Up to age 64: $250,000
Age 65 to 69: $100,000
Deductibles
$0 per certificate period
Coinsurance
We will pay 100% of eligible expenses up to the overall maximum limit
Eligible expenses are subject to overall maximum limit, and are per certificate period unless specifically indicated otherwise.
Benefit
Limit
Hospital Room and Board
Average semi-private room rate, including nursing services
Intensive Care Unit
Up to the overall maximum limit
Local Ambulance
Usual, reasonable, and customary charges for covered injury or illness. Illness must result in hospitalization as inpatient
Emergency Room Co-payment
Claims incurred in the U.S.
You shall be responsible for a $100 co-payment for the emergency room facility fee for each use of emergency room for an illness unless you are admitted to the hospital. There will be no co-payment for emergency room treatment of an injury.
Claims incurred outside the U.S.
No co-payment
Urgent Care Center
Claims incurred in the U.S.
For each visit, you shall be responsible for a $50 co-payment
Claims incurred outside the U.S.
No co-payment
Outpatient Physical Therapy and Chiropractic Care
Up to $500 maximum
Emergency Dental
Up to $1,000
Emergency Eye Exam Copayment
Up to $150. $50 copayment per occurrence.
Acute Onset of Pre-existing Condition
(See benefit description)
Up to the overall maximum limit
Up to $25,000 lifetime maximum, eligible medical expenses only
Terrorism
Up to $50,000 lifetime maximum, eligible medical expenses only
All Other Eligible Medical Expenses
Up to the overall maximum limit
Emergency Travel Benefits
Limit
Emergency Medical Evacuation
Up to $100,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition
- not subject to overall maximum limit
Repatriation of Remains
Up to $20,000 lifetime maximum
- not subject to overall maximum limit
Local Burial or Cremation
Up to $10,000 lifetime maximum
Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses
Up to $10,000 lifetime maximum
- not subject to overall maximum limit
Emergency Reunion
Up to $50,000, subject to a maximum of 15 days
Bedside Visit
Up to $1,500
Return of Minor Children
Up to $5,000
Pet Return
Up to $1,000
Political Evacuation
Up to $10,000 lifetime maximum
Trip Interruption
Up to $5,000
Accidental Death & Dismemberment
(excludes loss due to Common Carrier Accident)
Ages 18 through 69
Lifetime Maximum - $25,000
Death - $25,000
Loss of 2 Limbs - $25,000
Loss of 1 Limb - $12,500
Under age 18
Lifetime Maximum - $5,000
Death - $5,000
Loss of 2 Limbs - $5,000
Loss of 1 Limb - $2,500
Lifetime Maximum - $25,000
Death - $25,000
Loss of 2 Limbs - $25,000
Loss of 1 Limb - $12,500
Lifetime Maximum - $5,000
Death - $5,000
Loss of 2 Limbs - $5,000
Loss of 1 Limb - $2,500
$250,000 maximum benefit any one family or group
- not subject to overall maximum limit
Common Carrier Accidental Death
Ages 18 through 69
$50,000
Under age 18
$10,000
$50,000
$10,000
Subject to a maximum of $250,000 any one family or group
- not subject to overall maximum limit
Lost Checked Luggage
Up to $3,000 per certificate period; $500 per item
Up to $6,000 lifetime limit
Travel Delay
Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.
Lost or Stolen Passport/Travel Visa
Up to $100
Border Entry Protection
Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border
Natural Disaster - Replacement Accommodations
Up to $100 a day for 5 days
Emergency Quarantine Indemnity - COVID-19
$50 a day for up to 10 days. Must have a minimum of one (1) month of coverage. Proof of quarantine mandated by a physician or governmental authority required. Quarantine must be due to you testing positive for COVID-19/SARS-CoV2, or you are symptomatic and waiting on diagnostic test results. Benefit may be used only one per twelve (12) month period. Not available while in your home country.
Hospital Indemnity
$100 per day of inpatient hospitalization
Personal Liability
Up to
$25,000 lifetime maximum
$25,000 third person injury
$25,000 third person property
$2,500 related third person property
- not subject to overall maximum limit
*Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will
only apply if all of the following conditions are met:
a) The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
c) You must be under seventy (70) years of age;
d) You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
e) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
f) You must be traveling outside your home country
Certain types of medical expenses are excluded from coverage under Atlas Nomads health insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions.
- Charges resulting directly or indirectly from any *pre-existing condition, except as covered under the **Acute Onset of Pre-Existing Condition benefit
- Routine medical examinations
- Routine prenatal care, pregnancy, childbirth, and post-natal care
- Mental health disorders
- Medical expenses for injury or illness resulting from participation in specifically excluded extreme sports (see Description of Coverage for full list of excluded sports)
*Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
**Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
a) The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
c) You must be under seventy (70) years of age;
d) You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
e) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
f) You must be traveling outside your home country
Why Do I Need
Nomad Insurance?
As a perpetual traveler, your opportunities for life-changing experiences are endless. But international travel can represent financial risk, and there’s always a chance you could experience an unanticipated health or travel emergency abroad. Nomads often stay outside of their home countries for long periods of time, which could increase the chances of needing medical attention at some point while traveling.
Atlas Nomads offers travel medical coverage that follows you almost anywhere your travels take you, providing you with access to quality healthcare, reimbursement for covered claims, and 24/7 emergency travel assistance in multiple languages.
Get a Quick Quote For Nomad Insurance From WorldTrips
WorldTrips works hard to provide travelers all over the world with coverage against the unexpected. Wherever your adventures take you, travel with confidence that you have travel medical protection while working abroad as a digital nomad. Get a quick quote for nomad insurance today.
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WorldTrips is a service company and a member of the Tokio Marine HCC group of companies.
WorldTrips’ Atlas Travel Series, Atlas Nomads, and StudentSecure international travel medical insurance products are underwritten by Lloyd's. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.