This article applies to the updated Nomad Insurance Essential plan version effective February 2026. If you are not sure which plan version you are under, please check with our Customer Care team.
Pre-existing illnesses or injuries are not covered by Nomad Insurance, except as described in "Emergency treatment of a pre-existing illness or injury."
Emergency treatment of a pre-existing condition will not be covered if the condition is chronic, congenital, or expected to get worse over time.
Here are the conditions for this benefit:
You have a sudden and unexpected emergency which has a short duration, is rapidly progressive, and requires emergency treatment.
You seek treatment within 24 hours of the onset of symptoms.
This coverage is not valid for the first 28 days of your active insurance period, meaning the illness or injury must have been stable for at least 28 days after your start date.
The illness or injury must not be a chronic or congenital condition, a complication or consequence of a chronic or congenital condition, or a condition that progressively becomes worse over time. For example, we will not be able to cover emergency treatment of a pre-existing illness or injury such as multiple sclerosis or Parkinson's disease.
How is a pre-existing condition defined?
A pre-existing condition is any injury, illness, disease, or medical condition for which, in the 180 days before the start date of the insurance ("lookback period"), you:
Received or were recommended medical advice, diagnosis, care, or treatment;
Had medication prescribed, changed, or its dosage altered; or
Had signs or symptoms that would prompt a reasonable person to seek medical attention.
If you purchase a new Nomad Insurance Essential plan after having reached 364 consecutive days of coverage, the lookback period will no longer apply to subsequent plans, except for illness or injury that is expected to become worse over time.
Need Help?
Just reach out to our Customer Care Team if you have any further questions. We’d be happy to help!