Nomad Insurance Complete is a global health insurance plan designed for people living abroad or traveling long-term.
It combines:
Comprehensive health coverage, including routine care and maternity
Extended travel protections, similar to Nomad Insurance Essential, plus additional benefits such as trip cancellation and delayed luggage protection
You can use the plan at any legally licensed hospital, doctor, or clinic, public or private. There is no restricted provider network.
Which countries are covered?
Nomad Insurance Complete provides coverage in 175+ countries, including:
Short-term travel
Long-term stays
Your selected country of residence (if eligible)
Special country limits
United States, Hong Kong, and Singapore
Emergency coverage included for up to 30 days
With the relevant add-on:
Coverage in the United States can be extended up to 6 months
Coverage in Hong Kong and Singapore can be extended up to 12 months
Countries not eligible as a country of residence
The following countries cannot be selected as your country of residence:
United States
United Arab Emirates
Ireland
Canada
Russia
What treatments and services are included?
Nomad Insurance Complete covers a wide range of medically necessary care, including:
Hospital stays and surgeries
Doctor visits and specialist consultations
Diagnostic tests (blood tests, X-rays, imaging)
Prescription medication
Mental health treatment
Physiotherapy
Preventive care (screenings and vaccines)
Complementary or alternative therapies
Maternity benefits
For full details, always refer to your official plan document.
What is not included?
General exclusions apply to all benefits (see Section 7 of the plan document).
Key exclusions include:
Purely cosmetic or aesthetic treatments (outside reconstructive surgery)
Treatment that is not medically necessary
Non-FDA-approved or over-the-counter medication
Self-inflicted injuries or illnesses
Fertility treatments
Professional sports-related treatment
Search and rescue services
How to Use Nomad Insurance Complete
There are two main ways to use the plan.
1. Pay and claim
You pay for treatment upfront and then submit a claim for reimbursement through your SafetyWing dashboard.
For step-by-step guidance, see:
Nomad Insurance Complete: How to File a Claim
2. Direct billing
Direct billing is available for planned treatments costing USD 250 or more.
SafetyWing arranges payment directly with the provider
You must submit the request at least 7 business days before treatment
In an emergency, call the emergency number listed in your SafetyWing account.
Important notes
A guarantee of payment can be issued to any hospital
Some providers may choose not to accept it
If declined, you can:
Pay upfront and submit a claim, or
Request alternative provider suggestions
When Is Pre-Approval Required?
Pre-approval is required for services estimated to cost more than USD 500.
If pre-approval is not obtained, reimbursement may be reduced by 30%.
Treatments requiring pre-approval (if over USD 500)
Hospital admissions
Hospital or outpatient surgeries
Major procedures (MRI, CT scan, PET scan, gastroscopy, colonoscopy, biopsy, etc.)
Physical or rehabilitative therapy
Home health care
Private nurse or therapist
Nasal or reconstructive procedures
Emergency transportation by air ambulance
Durable medical equipment or special medical devices
Repatriation or cremation of mortal remains
Outpatient mental health treatment
Complementary therapies (excluding massage therapy)
Treatments under USD 500
Pre-approval is not required
You may still submit a request if you want confirmation of coverage
Why pre-approval is needed
Pre-approval helps confirm:
The treatment is eligible under the plan
The estimated costs are reasonable for your location
Processing time: Up to 7 business days
How to Submit a Pre-Approval or Direct Billing Request
Log in to your SafetyWing dashboard
Select Pre-approval or direct billing
Complete the short form
Before submitting, make sure you have:
Medical notes (diagnosis, medical history, test results)
A treatment plan
Estimated treatment costs
Emergencies
In a medical emergency:
Call +1 855 276 8864 to reach the emergency medical assistance team
They can arrange a 24-hour guarantee of payment
If you pay upfront for emergency treatment costing more than USD 500, you must notify SafetyWing within 72 hours after the incident, or reimbursement may be reduced by 30%.
After Treatment
Pre-approval confirms that a treatment is eligible under the plan, but it does not guarantee full reimbursement.
After treatment, the claims team will review:
The final invoice
Medical notes and documentation
Reimbursement is determined according to your policy terms.
If you have questions about your coverage or how to use the plan, contact Customer Care.