This article applies to the older Nomad Insurance Essential plan version effective September 2025. If you are not sure which plan version you are under, please check with our Customer Care team.
The following situations and conditions are not covered by the Nomad Insurance Essential plan. If your case or claim falls into any of these exclusions, it will not be eligible for coverage:
Pre-existing illness or injury, except as described in the section “Emergency treatment of a pre-existing illness or injury”
Any treatment that is not medically necessary.
Charges exceeding usual, reasonable and customary.
Any illness or injury resulting from an epidemic, pandemic, public health emergency, natural disaster, or other disease outbreak when a health warning has been in effect before your start date or if you did not leave the area mentioned in the health warning within 10 days following the date the warning is issued. Except what is described in the section called “COVID-19”.
Any costs or medical conditions related to pregnancy or childbirth, except what is described in the section called “Complications of pregnancy”.
Mental health disorders.
Any birth defects, congenital illnesses, or hereditary conditions.
Impotency or sexual dysfunction.
Sexually transmitted diseases and conditions (for example: syphilis, gonorrhea, chlamydia, trichomoniasis, genital herpes, and HPV).
HIV, AIDS and ARC, and all diseases caused by HIV.
Cancer or neoplasm.
Substance abuse or substance addiction, or any illness or injury that happened as a result of substance abuse or substance addiction.
Acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, hypertrophic and atrophic conditions of skin.
Sleep apnea or other sleep disorders.
Obesity and weight modification (example: gastric bypass).
Self-inflicted illness or injury.
Suicide or attempted suicide.
Injury that happened as a result of being drunk on alcohol or intoxicated by other drugs, except drugs that were prescribed by a physician.
Injury that happened as a result of drunk driving of any type of motorized vehicle (for example car, moped, motorbike, watercraft, aircraft, electric scooter). The threshold of your allowed blood alcohol content is 0.8, or it is determined by local laws where you are – whichever is lower.
Any kind of routine medical examination for preventative or informative purposes only (for example medical attestations, vaccinations and annual check-ups).
Injury sustained from participation in a riot, insurrection or violent disorder.
The voluntary use of any chemical compound or poison unless used according to the directions of a physician.
Dental treatment, except what is described in sections “Pain relieving emergency dental treatment” and ““Emergency dental treatment and surgery following an accident”.
Organ or tissue transplants or related services.
Nebulizers, oxygen tanks, diabetic supplies, other supplies for use or application at home (except medically necessary basic wheelchair or hospital bed, which are covered).
While confined primarily to receive custodial care, educational or rehabilitative care, or any medical treatment in any establishment for the care of the aged, except rehabilitative care received upon direct transfer from a hospital.
Promotion or prevention of conception (example: artificial insemination, treatment for infertility, sterilization or reversal of sterilization).
Eye surgery when the primary purpose is to correct nearsightedness, farsightedness or astigmatism (example: corrective refractive surgery).
Corrective, orthopedic or orthopedics devices (example: eyeglasses, hearing aids), or related tests and examinations, except as described in the section called “Emergency eye exam”.
Hair loss or growth (example: hair transplants or drug that promises hair growth).
Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy, holistic care of any nature, massage and kinesiotherapy.
Psychometric, intelligence, competency, behavioral and educational testing.
Any treatment for cosmetic or aesthetic reasons, except for reconstructive surgery when such surgery is directly related to and follows surgery for a covered illness or injury.
Any modifications of the body intended to improve the psychological, mental or emotional wellbeing (for example: sex-change surgery).
Exercise programs (even if prescribed by a physician).
Anything that happened as a result of exposure to non-medical nuclear radiation or radioactive material.
Cryopreservation, implantation or re-implantation of living cells.
Genetic or predictive testing.
Investigational, experimental or for research purposes, meaning procedures, services or supplies which deviates from generally accepted standards of current medical practice.
Any treatment not administered by or under the supervision of a physician, and products that can be purchased without a doctor’s prescription.
Any service provided by a family member or any person who ordinarily resides with you.
Any service provided at no cost to you.
Failure to keep a scheduled appointment.
Payable under any government system.
Payable under worker’s compensation or employer’s liability laws, or by any coverage provided or required by law.
Charges resulting from or occurring during the commission of any violation of law, excluding minor traffic violations.
War, military action or while on duty as a member of a police or military force unit.
Travel or accommodations, except as explicitly described in the covered sections.
Anything that happened in the US, except as described in the section called “Medical coverage during visits to your home country” or “[Add-on] Include coverage in the USA”.
Anything that happened while you did not have an active insurance period.
Claims made more than 60 days after the end date of your active insurance period.
Any charges incurred when the purpose of your travel is to obtain medical or cosmetic treatment.
Complications or consequences of treatment, illness or injury which was not covered on this insurance.
Anything that is not described in the covered sections of this Description of Cover