The Nomad Insurance Complete plan provides coverage in 175+ countries worldwide.
You are generally covered in your selected country of residence and while traveling to other countries, as long as the locations are eligible under the Nomad Insurance Complete plan.
The easiest way to understand coverage is to review countries that cannot be selected as your country of residence.
Countries not eligible as a country of residence
You cannot purchase the Nomad Insurance Complete plan if your country of residence is one of the following:
Canada
Crimea (annexed region of Ukraine)
Cuba
Democratic Republic of Congo
Iran
Iraq
North Korea
North Sudan
Palestine (West Bank & Gaza)
Republic of Ireland
Saudi Arabia
Somalia
South Sudan
Syria
Tanzania
United Arab Emirates (UAE)
United States
U.S. territories (Guam, American Samoa, Palau, Puerto Rico, U.S. Virgin Islands)
Coverage in Hong Kong, Singapore, and the United States
Residents of Hong Kong or Singapore may still be eligible for the Nomad Insurance Complete plan, but must purchase the Hong Kong / Singapore / U.S. add-on.
With this add-on:
Full benefits apply for up to 6 months in the United States
Full benefits apply for up to 12 months in Hong Kong and Singapore
A U.S. add-on is also available for eligible members who want extended benefits during visits to the United States.
How your country of residence is defined
For the Nomad Insurance Complete plan, your country of residence is the country where you spend the most time during the 12-month plan year.
Key points:
There is no strict 6-month requirement
Your country of residence should reflect where you primarily live
If you split time across multiple countries, it should be the country where you spend even one more day than anywhere else
Coverage while traveling
You are covered:
In your selected country of residence
In other eligible countries you travel to
Coverage does not apply in countries or regions subject to international sanctions.
You can also use our coverage checker to confirm eligibility for a specific country before traveling.
U.S. citizens living abroad
U.S. citizens planning to live outside the United States may be eligible for the Nomad Insurance Complete plan, as long as the United States is not selected as their country of residence.
An optional U.S. add-on is available to provide extended benefits during visits, according to the plan’s coverage guidelines.
Need help?
If you have questions about country eligibility or coverage in a specific destination, our Customer Care team is happy to help.