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.
Nomad Insurance Essential is designed to cover you outside your home country, with limited emergency coverage during short visits home.
What is my home country?
For Nomad Insurance Essential, your home country is defined as:
Where someone principally resides and receives regular mail
Where they would return once done traveling
Where they would want to be returned in case of trip interruption or repatriation
đ Once you choose your home country for an active policy, itâs not easy to change.
Am I eligible in my home country?
Eligibility and Coverage:
You are eligible for emergency medical coverage in your home country, only for unexpected medical emergency conditions during short visits.
The plan does not cover injuries or illnesses that occurred while abroad.
2. Coverage duration:
30 days within a rolling 90-day period (15 days if in the US).
The days cannot be accumulated; itâs always 30 (or 15 for the US) within any rolling 90 days.
3. Important Conditions:
Your insurance plan must be active for at least 90 days before you can file a home-country claim.
You must enter your home country from abroad after your insurance start date.
Youâll need to prove your entry and exit dates (e.g., flight tickets) to support your claim.
Your visit to your Home Country must not be for the purpose of obtaining treatment for an illness or injury that occurred while abroad.
This benefit applies only while you are actively travelling. If you return to your home country and do not intend to continue travelling, this coverage does not apply.
Am I eligible after my plan ends?
Yes, if treatment began before your plan ended.
The benefit period ensures eligible conditions are covered for up to 90 days from the date of diagnosis or treatment start
Applies only to conditions that began while your insurance was active
Does not apply to new illnesses or injuries that occur after your plan ends
Does the benefit period also apply in my home country?
â Benefit period does not apply in your home country
Need Help?
Just reach out to our Customer Care Team if you have any further questions. Weâd be happy to help!