How it works
How Nomadsurance actually works
This page explains exactly what happens when you use Nomadsurance, what we do with your answers, and what we are, and aren't, legally and practically.
- 01
You tell us what you need
A short questionnaire with reason behind every question: where you're from, where you're heading, how long, US coverage, age, family, adventure activities, budget, deductible tolerance, pre-existing conditions. ~3-5 minutes.
What we ask: destination, trip length, coverage preferences, and a few personal details. Takes about 3 minutes. - 02
We match you with options
Your answers go into our matching engine. It compares your inputs against the product rules of every carrier on our panel and produces a shortlist with plain-language reasoning per option. Decision-supportive, not solely automated.
Who we compare: selected international insurers with strong coverage for people who live and work abroad, while we stay independent. - 03
You sign up directly with the carrier
The insurance contract is between you and the carrier, not between you and us. We don't underwrite. At claim time you deal with the carrier's system; we'll help you find the right form and chase if things stall.
Afterwards: we stay at your side for questions, changes, or help with claims.
Two ways to your offer
Depending on your situation, you get your match instantly or after a short personal review.
Instant match · right away
For straightforward situations, our system creates your offer immediately and sends it to your inbox.
Personalised review · within 24h
If your situation needs a closer look, for example with pre-existing conditions, a human reviews your details and prepares the right offer. No auto-rejections, no guesswork.
How we make money
No fine-print games, and that includes our own business model. Here's exactly how it works.
Our service is free for you. Comparing, advice, and support don't cost you anything.
Insurers pay us a commission when you take out a policy through us.
You pay the standard premium, never more. The price is the same as going direct. And because we work with several insurers, we have no reason to push you toward one of them.
Frequently asked questions
Is Nomadsurance free?
Yes, for you. The carrier pays us a commission out of their margin when you sign up. You pay the same premium you'd pay going direct.
How is the matching decided?
A rules engine cross-references your answers against each product's eligibility, exclusions, geographic scope, deductibles, and sub-limits. Products that fail any hard rule are dropped. The remainder are ranked on fit, then on price. Commission is not an input.
Will I get the cheapest option?
Not always. Cheap policies tend to have low limits, short durations, or wide exclusions, and you usually find out at claim time. We surface the best fit first, then we show you cheaper options below with a plain note on what you're giving up.
Do you handle claims?
No. Claims are handled by the carrier under your policy. We will help you find the right form, understand a denial, or escalate if you're getting nowhere, but we can't pay claims or overrule the carrier. Honest answer: most disputes come down to whether you disclosed everything at application. Be honest at application.
Which carriers do you actually work with?
The panel evolves. Right now it's a curated set of four regulated carriers, and we add or remove carriers as products change. The full live list is shown at the matching step.
Why don't I just go directly to a carrier?
You can. The price is the same. The reason most people don't: there are roughly 15-25 products on the market aimed at long-term nomads, each with subtly different rules. Figuring out which one accepts you and pays out in your country takes hours. The matching engine does that in minutes.
Can I trust the AI to pick the right plan for me?
Trust the AI to do the filtering. Trust a human to do the judgement. The shortlist is generated by the engine; the reasoning is reviewed editorially; and you can always reply to the email and ask a real person why a specific plan was or wasn't recommended.
What about pre-existing conditions?
Some carriers accept them with a loading or exclusion, some don't. The form asks because it changes which carriers will quote you at all. Be specific: 'anxiety, controlled with medication' is treated very differently from 'untreated chronic condition'.
Ready to get started?
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