Insured Nomads
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Insured Nomads launched in 2019 with a split model: separate health and travel insurance policies rather than bundling everything together. The backing of Nationwide and Crum & Forster (both rated A+ by AM Best) provides stability and claims handling expertise. Airport lounge access is included across plans, a perk many competitors charge extra for.
The separated health/travel structure works well if you want to pick and match coverage to your situation, maybe you need solid evacuation protection but lighter health coverage, or vice versa. Business travelers and frequent flyers especially benefit from the lounge inclusion, which cuts stress during layovers and long waits.