NOMADS.insure

What NOMADS.insure is

NOMADS.insure is a broker, not an insurer. Its about page calls it a service from Herrmann, Huebner & Partner, an insurance brokerage firm based in Estonia and supervised by Finantsinspektsioon, the Financial Supervision Authority of Estonia. The footer gives the legal entity as Herrmann, Huebner & Partner Insurance Broker OÜ in Tallinn, registry code 14897643, and describes it as a "European insurance broker licensed in Estonia for insurance intermediary activities across the European Economic Area (EEA)." The about page puts that at "30 countries" and credits the founders with "40 years Combined insurance industry experience", tracing the firm's roots to "a specialized brokerage for children's health insurance in Germany, established in 2010."

The broker places two kinds of cover with outside insurers: international health insurance for digital nomads and people settling abroad, and long-term travel insurance. The insurer on each policy is whichever partner the buyer chooses. The site also lists disability and tech-and-gear insurance and a page for e-Residents of Estonia.

On its own role, the "Why a broker?" page says the firm is "legally positioned on your site, opposed to the insurance companies," that it helps phrase claims and advises on pre-existing conditions, and that the service costs the buyer nothing extra: "As we are compensated by the insurance companies, you get to enjoy the security, expertise, and legal advice that our brokerage has to offer whilst only paying your premium." The about page adds: "As independent insurance brokers, we are more than just intermediaries; we are your advocates and consultants, especially when it's time to make a claim."

International health insurance

The health page promises "+ 25 insurers", cover in "+ 195 countries and territories" and assistance "365 days/year". It lists partners including Aetna, Allianz Care, APRIL International Care, ARAG, AXA Global Healthcare, Barmenia, BDAE, Cigna Global Health, COVRD.EE, Foyer Global Health, Genki, HanseMerkur, Henner, MSH, PassportCard and World Nomads, and says: "As independent brokers we work with all legit providers of this market."

The page prints example prices. They are for "a 32 years old person in the pricing zone for Portugal without deductible," not quotes for any real applicant. Among them: Allianz Care's Care tier at 169 EUR and its Care Pro+Active Pro+Smile Plus tier at 651 EUR; April International's Emergency tier at 39 EUR, Essential at 194 EUR and Premium at 313 EUR; Genki's Basic at 180 EUR and Premium at 260 EUR; PassportCard's Expat Basic at 231 EUR; and Now Health's Apex at 804 EUR. The table adds a pro and con for each insurer, such as "Yearly limits" as April's drawback and "Low Maximum Entry Age" as Genki's.

The FAQ explains several terms in the broker's own words. On deductibles: "Rule of thumb: 1,000 EUR in annual deductible saves you 1,200 EUR in premiums." On home-country care: "Most insurers limit it to several week or up to 180 days per year. Only Genki in their premium plan does not limit home country coverage." On pregnancy, it says waiting periods apply, so cover must start well before, and "No insurance covers the risk of a pregnancy that has already started." It separates the two product types: travel insurance has a limited duration and covers emergencies abroad before flying the traveler home for major treatment, while international health insurance has no maximum duration.

A long article on the site explains underwriting. Full medical underwriting assesses health status and history to set terms and premiums; moratorium underwriting skips the health declaration but "excludes coverage for (temporary) pre-existing conditions for a set period (usually two years)." The article says a broker can run "anonymous but binding pre-approvals with underwriters from different insurance providers" before the buyer commits. It describes the health questionnaire as "usually consist of 10 to 40 questions", with details and doctor's notes needed only where an answer is yes. It then sets out how the broker sees several partners' approaches: Foyer Global Health offers both full underwriting and a moratorium; PassportCard requires full underwriting for individuals and often applies exclusions rather than refusing; COVRD.EE is described as having "the strictest underwriting in the market"; and BDAE applies risk loadings even for minor conditions. The article argues for full underwriting in most cases and names long-term conditions that would be declined as the case where a moratorium can make sense.

Long-term travel insurance

The travel page lists what the plans cover: "Diagnosis, treatment and prescriptions in case of of medical emergencies", search and rescue, and repatriation for major treatment, with advanced plans adding lost or damaged luggage, trip cancellation or interruption, flight delays and personal liability. It lists what they exclude: treatment after repatriation home, and missed connections, which it puts on the airline or, for tight self-booked connections, on the traveler.

Eligibility and price are stated. "Digital nomads who travel more than 3 months and usually up to 2 years can sign up for nomad travel insurance up to an age of 69. For higher ages there are special solutions available." The FAQ says to expect "between 50 and 100 EUR per month", with higher premiums for the USA or for travelers over 60, and the page headline gives "59 €/mo in average". Policies from the insurers it brokers "can be cancelled earlier at any time and at no cost," usually by telling the insurer the traveler has returned home, but "Usually travel insurance can't be extended, especially not if you already had claims with the insurance company." An expert tip signed by Christoph Huebner, "Insurance Broker for Digital Nomads", suggests signing up for the maximum duration, "with good plans 2 or even 5 years".

How buying works

The quote form asks for trip length, region (worldwide with or without the USA and Canada), starting country, coverage level, deductible and the ages of up to five people, and emails a comparison. The form states: "Unfortunately we do not offer single trip insurance or coverage for less than 3 months abroad." A free video consultation can be booked instead. The health page says instant quotes compare three alternatives.

Who it suits

NOMADS.insure fits a digital nomad or long-term traveler away for three months or more who wants an EEA-licensed broker to compare international health or long-term travel plans across many insurers, see sample prices first, and have an advocate on claims. Trips under three months are outside what it sells, and travel cover past age 69 needs its "special solutions".