For Nomad Insurance Essential you can choose to pay upfront for fixed dates or choose a subscription model where your plan automatically extends every 28 days. If you are traveling for more than 4 weeks or making multiple trips throughout the year, choosing to auto-extend your Nomad Insurance Essential plan every 28 days is a better deal, for the same price you:

• Get access to our subscription-only add-ons for adventure sports and electronics theft coverage.

• After 364 days of continuous coverage, your next plan can cover illness or injury that began during that period, but that you haven't yet seen a doctor for (as long as it's not a general exclusion, or considered to be untreatable or will get worse with time). This is a special allowance for our subscription plan holders. Normally, any symptoms you experience would be considered a pre-existing condition, and would not be covered in future plans.

• Get exclusive access to our referral program and earn $20 for every person you refer to Nomad Insurance.

• Can easily stop your auto-extensions anytime through your dashboard, instead of having to manually contact Customer Care.

In case of an accident, while riding a motorbike, moped, or scooter, you are covered for eligible medical expenses as long as you are properly licensed for the area where you are driving and you are wearing proper safety gear such as a helmet. If you are driving a scooter/motorbike larger than 50cc, you need the Adventure Sports add-on if you are on a Nomad Insurance Essential plan, if you are on the Nomad Insurance Complete plan you don't need the add-on to be covered. Driving while intoxicated and racing are excluded. Personal liability is excluded for operating any vehicle.

You need to check with local authorities if your driver's license is accepted in that area/state/country.

Essential

For covered sports, you are covered for attending classes, solo training, attending private lessons and informal training with a group. Important conditions:

• If you are a professional athlete or an instructor, you are not covered while practicing, publicly performing or teaching your sport or activity.

• The sport or activity cannot involve a professionally organized practice or intention to compete. 

• There can be no wage, reward or profit connected to you doing the sport or activity.

• You are not covered for exploratory expeditions, for example in, Antarctica, the Arctic Circle or Greenland. 

• You are only covered when using certified, official paths. You are not covered when going off-path, off-trail and off-course, or when going on unauthorized paths. 

• You must ensure the sport or activity is adequately supervised and that appropriate safety equipment (such as helmet, life jackets, etc.) are worn and used, according to what each sport or activity requires.

• You must wear a helmet during the use of a moped or a motorcycle.

• You must have an appropriate, valid license or certification where required (for e.g., aviation, scuba diving [PADI/NAUI/SSI/BSAC], motorized vehicle).

• Any sport or activity at elevations of 4,500 meters altitude or higher is not covered except as described under the Adventure sports add-on. 

• The list of covered sports and activities is not exhaustive but is intended to help you get a picture of what is covered.

• If an activity is not listed, we will assess and determine coverage based on the risk of the activity and whether similar sports are covered in that category.

• Excluded in home country.

Covered sports and activities

• Airsoft

• Angling

• Archery

• Badminton

• Ballooning

• Ballet

• Banana boating

• Baseball

• Basketball

• Bicycle touring

• Bodyboard

• Bowling

• Bungee jumping

• Bushwalking 

• Camel riding/trekking

• Camping 

• Canoeing

• Canyon swing

• Canyoning

• Capoeira dancing

• Cave tubing

• Cheerleading

• Clay pigeon shooting

• Cricket

• Curling

• Cycling (including touring and organized tours)

• Deep sea fishing

• Dirt boarding

• Dog sledding (not racing or competing)

• Fell running/walking

• Fencing

• Fishing

• Flatwater rafting

• Flying as a passenger

• Flying fox

• Freediving

• Glacier walking 

• Golf

• Gymnastics

• Handball

• Hand plane

• Hiking 

• Horse riding

• Hot air ballooning as a passenger

• Human gyroscope

• Hunting (excluding big game)

• Hydrospeeding

• Ice skating (indoor or outdoor)

• Ice climbing under 4,500 meters altitude

• Jet boating

• Jet skiing

• Kayaking

• Land surfing

• Moped and motorcycle with an engine capacity up to 50cc

• Mountain biking 

• Netball

• Orienteering

• Paintballing

• Paipo board

• Pala

• Pilates

• Rambling

• Rap jumping

• Racquetball

• Rifle range shooting

• Rock climbing (not covered if solo)

• Roller blading

• Roller skating

• Rounders

• Rowing/sculling

• Safari tours

• Sailing

• Sandboarding

• Sand skiing

• Sea canoeing

• Sea kayaking

• Skateboarding

• Skiing (not covered off-piste and/or against the advice of the local ski school or local authoritative body)

• Skydiving indoors

• Sleigh rides

• Sledding

• Snorkelling

• Snow rafting

• Snowboarding (not covered off-piste and/or against the advice of the local ski school or local authoritative body)

• Soccer

• Softball

• Speed boating

• Squash

• Stand up paddle boarding

• Stilt walking

• Surfing

• Swimming

• Table tennis

• Tai chi

• Ten pin bowling

• Tennis

• Trail bike riding

• Trekking

• Tubing

• Tubing on snow

• Tuk tuk 

• Ultimate frisbee

• Via ferrata

• Volleyball

• Wake skating

• Wakeboarding

• Walking

• Water skiing

• Waterpolo

• Weightlifting, cardio and classes at the gym (note that training for or attending a powerlifting competition is excluded)

• Wind-foiling

• Windsurfing

• Wind tunnel flying

• Wing-foiling

• Yachting

• Yoga

• Zip line

• Zorbing

Adventure Sports Add-on

Those on subscription plans (as opposed to fixed-date plans) can also access our adventure sports add-on for an additional US$10 per 28 days, which in addition to the above covers the following activities, subject to the same conditions listed above unless stated otherwise. Activities eligible for high-altitude coverage under the add-on are covered for elevations from 4,500 meters up to 6,000 meters.

• Acrobatics

• American football

• Aussie rules football

• Aviation

• Bicycle touring over 4500 meters altitude, up to 6000 meters

• Bobsleigh

• Boxing

• Black water rafting

• Cave diving accompanied by an instructor certified by PADI/NAUI/SSI/BSAC

• Cave tubing

• Foiling

• Free-style skiing

• Hang gliding

• High diving

• Hockey

• Karting 

• Kitesurfing

• Martial arts

• Lacrosse

• Luge

• Moped and motorcycle with an engine capacity over 50cc 

• Motorized dirt bikes

• Mountain boarding

• Mountaineering at elevations up to 6000 meters

• Parachuting

• Parasailing

• Paragliding

• Paramotoring

• Polo

• Rugby

• Ski/snowboard jumping

• Ski-flying

• Skiing/snowboarding acrobatics

• Skydiving

• Skeleton

• Snow kiting

• Snow mobile

• Spelunking

• Scuba diving up to the depths you or the accompanying instructor is licensed for

• Tandem skydiving

• Tobogganing

• Wrestling

The following sports and activities are not covered, even with the adventure add-on:

• All-terrain vehicles

• Base jumping

• Big game hunting

• Cliff jumping

• Heli-skiing

• Heli-gliding

• Hot air ballooning as a pilot

• Any activity at elevations over 6,000 meters

• Powerlifting (lifting at max weight with intent of competition)

• Racing by any animal, motorized vehicle, BMX, speed trials, or speedway

• Running with the bulls

• Skiing/snowboarding off-piste (outside marked territory or against advice of ski school/authority)

• Sky surfing

• Tractors

• Whitewater rafting

SafetyWing covers: Up to $100,000 in your lifetime

Complete

Nomad Complete plan provides coverage for sports without the need of an add-on. Some exceptions apply in cases of professional sports, or high-risk activities.

For both of our plans we do not cover organized athletics or professional sports or activities. What we mean by this is that the sport or activity cannot involve regular or scheduled practice and/or games or be performed in a professional capacity or for any wage, reward, or profit. For instance, if you are a professional athlete or instructor, you are not covered while practicing your sport.

We do cover you for classes you yourself sign up for at the gym, or lessons with a personal trainer, and also if you regularly get together with friends to perform a sports activity, as long as it is not organised athletics.

Essential

There are 3 add-ons available for Nomad Insurance: adventure sports for higher-risk activities, electronics theft, and travel to the US.

Adventure sports and electronics theft are priced at US$10 and US$20 respectively for every 4 weeks and are only available if you buy a subscription policy that auto-extends every 4 weeks. If you are travelling to the US, you can buy the US coverage add-on for either a subscription or fixed-date policy. The price will vary depending on your age (check the cost here).

We are not able to add or remove add-ons for policies that are already active. If you would like to add or remove an add-on, you must stop your current policy and buy a new one with the coverage you want. Please note that any conditions you experienced during your first plan will become pre-existing to the next one and will not be covered. Complete

Nomad Complete plan already provides coverage for sports, with some exceptions in cases of professional sports, or high-risk activities. Additionally, Nomad Insurance Complete also has the option to add the Hong Kong, Singapore, and US add-on, which we recommend if you need coverage in any of these countries for longer than 30 days, up to 6 months. If you are a resident of Hong Kong or Singapore, this add-on is required.

Essential ($100,000 lifetime max)

If you’re being treated somewhere that can’t provide the care you need, we’ll cover your transport (air, sea, or ground) to the nearest adequately equipped hospital. This plan doesn’t cover search and rescue. We’ll also cover a one-way economy ticket back to your original location or home country (up to $5,000), provided:

• Your illness or injury is covered under this insurance

• The attending physician confirms your life or a limb is at risk if you’re not moved and certifies it’s medically necessary

• SafetyWing approves and coordinates the transport in advance

• You (or someone on your behalf) agree to be transported

• The emergency isn’t caused by ignoring or failing to follow previously recommended treatment

Complete ($100,000 per plan year)

Evacuation is emergency transport (ground, air, water, etc.) to the nearest adequate facility that can treat your medical condition. The need for treatment must be life-threatening and critical, and treatment cannot be available at their current location.

Under this benefit, search and rescue is covered if you're at a recognized ski resort or similar winter sports resort. Search and rescue at sea or during off-site winter sports is not covered. 

Evacuation must be arranged/pre-approved in advance through the form in your dashboard. 

Repatriation benefit covers a return ticket in economy class on a commercial airline flight for the insured and one (1) companion to the place from which the insured was evacuated, provided that the trip is made within ninety (90) days of discharge and is approved in advance.

Essential

The Essential plan does not cover pre-existing conditions, high-risk or professional sport activity, regular check-ups, cancer, or maternity, in addition to flights, accommodations or excursions that were canceled before you left or certain lost/stolen belongings. .

Complete

The Complete plan also does not cover pre-existing conditions, as well as aesthetic or cosmetic treatments, orthodontic treatment, obesity or weight control treatments, over-the-counter medications, birth control, professional sports or gym or fitness memberships. .

Members with a start date between March 31 and September 9 were given a version of the policy that has since been updated, effective as of October 1, 2026.

We have made two material changes:

1. The definition of a pre-existing condition definition is being reverted to “Any illness or injury for which you received treatment or diagnosis in your life, and any illness or injury you have experienced symptoms in the last two (2) years.”

2. We have updated the conditions that apply to mid-year policy cancellations.

“Mid-year cancellations are not permitted unless a qualifying life event occurs. The following are considered qualifying life events:

• Change of employment

• Relocation outside of the 175+ countries of coverage

• Change in relationship status 

Plan Changes: Mid-year plan changes are not allowed, even if no claims have been submitted.  As a general rule, any change with an improvement of benefits, will be subject to a waiting period. If the new plan includes maternity care benefits, a ten (10)-month Waiting Period will apply. The benefits that did not exist in the previous plan must meet the corresponding Waiting Periods. The Company reserves the right to accept or deny the change of plan for any reason.”

The following are non-material changes to correct one-time errors.

All plans

• Gene therapy was included in error, now removed

• Diabetes, insulin-related treatments, and metabolic therapies removed in error, now added back

• Exclusion for HPV-related disorders and genital herpes removed in error, now added back

• Exclusion for sleep disorders, Alzheimer’s and autism removed in error, now added back

• Exclusion for professional sports removed in error, now added back

Standard only

• Emergency dental coverage removed in error, now added back

Premium Plus only

• The annual outpatient limit is $7,500, not $6,000.

• The annual screenings & vaccines limit is $1,000, not $1,500.