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Are you looking for nomads insurance? Then you may want to take a deeper look at PassportCard Nomads insurance which is revolutionizing the future of digital nomad insurance through their handy Red Card and app.
PassportCard Nomads provides international health insurance and travel insurance solutions for nomads. They offer 3 different plans to suit your budget and travel requirements, and also offer extra travel cover benefits such as luggage and personal items cover, laptop cover, camera cover, extreme sports cover, search and rescue cover, and third party cover.
PassportCard Nomads is different from travel insurance – their plans offer a wide range of comprehensive health insurance including cover for emergency medical expenses, emergency surgery and in-patient care, dental care.
But the most exciting thing about PassportCard Nomads insurance is the fact that you get a Red Card that looks like a credit card which you can use along with a mobile app to submit claims and pay for your health insurance costs. Simply use the app to submit your claim and then the 24-hour customer service center will load your card with funds to cover your treatment. That means you no longer have to worry about carrying bulky travel and medical insurance files with you everywhere you go, and you also don’t have to wait months for your claim to be processed while you’re out of pocket.
If you’re planning a trip overseas, or even if you’re already traveling – it’s easy to buy, extend or cancel your insurance with PassportCard Nomads – all of which can be done online. That also helps make it more simple and easy to access the cover you need, when you need it.
In our comprehensive review of PassportCard Nomads insurance, below we look at why travel and health insurance for digital nomads is so important, what some of the problems are with traditional insurance options, why PassportCard Nomads’ Red Card and offering are so innovative, and we also compare their 3 different nomad insurance plans. Finally, we look at some frequently asked questions such as the pros and cons of PassportCard Nomads.
Why are travel and health insurance important?
Do you have nomads insurance? Have you ever wondered what would happen if you needed emergency medical care while you were traveling in a foreign country? Or what would you do if you lost your luggage with all your valuable and personal items? Or what if your flight was canceled and you were stranded?
While most of your journeys may have happened without a glitch, travel and health insurance is there to cover you in the unlucky event that something goes wrong and not according to your plan.
Oftentimes people forget to take out travel insurance when they’re planning a trip, or they choose not to, thinking they can save a few bucks. OR, in other cases, people opt for the cheapest travel insurance options without reading the fine print about what’s actually covered and included.
The reason why travel and medical health insurance is so important when you’re journeying through a foreign country, is that if anything happens, then you’ll have peace of mind that you’ll be taken care of.
We all know that accidents can happen, and that people do get sick from time to time. Knowing that you won’t be excluded from receiving the medical care you need because you don’t have the finds, or finding out you can’t replace your lost luggage can put a serious damper on any travel journey. It’s far better to be prepared than not.
What are the problems with many travel insurance solutions
There are a range of different travel insurance options, but when it comes to actually processing claims, that’s where you will see which ones work better than others.
But one of the general downsides to travel insurance is that you usually have to pay for the medical treatment you need and then claim back from the insurance company. And if you don’t have the travel insurance paperwork with you at the time you need care, then you may not be admitted or seen to by a doctor.
And when it comes to claims like lost luggage, you don’t want to have to wait several months to get the cash to replace lost items.
So what’s the solution for digital nomads? PassportCard Nomads’ Red Card!
Thanks to digitisation and technology innovations, PassportCard Nomads has designed an app and linked Red Card that you can use for nomads insurance.
That means you can now carry around the card in your wallet, just like a regular credit card. That makes it much easier than carrying around a whole file of travel insurance papers!
And if you need medical treatment or have an emergency, you can swipe it and pay. You’ll first need to use the app to contact the 24-hour customer service team and they will then load the card with the funds needed for your claim. This makes claiming for healthcare and travel related emergencies much easier and faster, and it also means you won’t be out of pocket or have to wait ages for reimbursements.
Another great feature of PassportCard Nomads’ Red Card is that it looks just like a credit card and is widely accepted which means you won’t run the risk of it being denied.
A comprehensive review of PassportCard Nomads insurance
If you’re interested in getting travel and health insurance as a remote worker or digital nomad, then you’re probably interested in reading a comprehensive review of PassportCard Nomads’ insurance.
What makes PassportCard Nomads’ insurance different and unique from others, is that they have created an app-based credit card that can be loaded remotely with the funds you need to settle your claim.
That means that unlike most other insurance options, you don’t have to pay for treatment or emergencies out-of-pocket as you can get your claim processed quickly through the app and then swipe your card once it’s been loaded with money.
And if you’re out of wifi and can’t login to the app to submit your claim, then you can pay upfront and request a reimbursement to your credit card or bank account as soon as you have the internet signal again.
Innovative travel and health insurance solutions like this are sure to revolutionize the way we travel as nomads and remote workers. Global health insurance has never been this easy!
What are the 3 different PassportCard Nomads insurance plans?
There are 3 different PassportCard Nomads insurance plans to choose from: the Starter, Remote and Comfort options.
All of these 3 plans offer cover for emergency medical expenses, emergency surgery and in-patient care, and emergency dental coverage (subject to limits). These plans also include COVID-19 cover, and provide options to customize your health and travel insurance plan. For example, you can add on cover for activities that you’re involved in (e.g. surfing, kayaking etc.), search and rescue, public liability, and to cover your luggage and equipment.
Below we take a closer look at each plan, so you can get a better idea of which one is right for you and your particular needs and circumstances.
The Starter Plan – starts from $59/month
To be eligible for this plan you need to be between the ages of 18 to 45 years. The PassportCard Nomad Starter Plan is aimed at people who are traveling for a short period of time (i.e. under 6 months) and for people who may travel often, but always come back to a home base.
The Starter plan covers up to $500,000 in costs for the policy period, and allows you to also customize your health and travel insurance to include lost luggage, search and rescue, extreme sports, accidental death, public liability and equipment claims for cameras and laptops.
This plan covers emergency medical expenses, emergency surgery and in-patient care, emergency cover for pregnancy (up to 12 weeks) and emergency delta care for up to $500.
As with all the plans, you have the flexibility to extend or cancel the policy anytime. And you can even buy it while you’re traveling. Plus you get access to 24/7 around-the-clock customer support through the app.
The Remote plan – starts from $119/month
To be eligible for this plan you need to be between the ages of 18 to 45 years. The PassportCard Nomad Remote Plan is aimed at people who plan to travel long-term for more than 6 months at a time.
The Remote plan covers up to $1,000,000 in costs for the policy period, and allows you to also customize your health and travel insurance to include lost luggage, search and rescue, extreme sports, accidental death, public liability and equipment claims for cameras and laptops.
As with the Starter plan, you also get cover for emergency medical expenses, emergency surgery and in-patient care, emergency cover for pregnancy (up to 12 weeks) and emergency delta care – which is up to $1000 with this plan.
And, as with all the plans, you’ll have the flexibility to extend or cancel your policy anytime. You can even buy it while you’re traveling. And you get access to 24/7 around-the-clock customer support through the app.
Compared with the Starter plan, the Remote plan offers some additional cover benefits, including:
- Non-urgent elective treatments, surgeries and derivative hospitalization up to $5000 – all of which requires prior approval
- Treatments by a physiotherapist or chiropractor for acute incidents which covers up to $50 a treatment with a maximum of 8 treatments
- Outpatient care including specialist consultations and office visits with a doctor for up to $250 a visit with a maximum of 4 visits
- Emergency medical cover for maternity and childbirth claims, and cover for up to week 12 of pregnancy
- Routine wellness checkups, including blood tests and an annual gynecological exam, up to $500 for the insurance year
The Comfort plan – starts from $200/month
To be eligible for this plan you can be up to 65 years, which is a significant difference between this plan and the Starter and Remote plans.
The PassportCard Nomad Comfort plan is the most comprehensive of all plans and is recommended for nomads and remote workers traveling to the US as well as anyone who needs a customized plan with maximum benefits. It’s also the ideal plan to choose if you’re looking for cover in your home country and while traveling around the world.
The Comfort plan covers up to $3,500,000 in costs for the policy period, and allows you to also customize your health and travel insurance to include lost luggage, search and rescue, extreme sports, accidental death, public liability and equipment claims for cameras and laptops.
As with the Starter plan, you also get cover for emergency medical expenses, emergency surgery and in-patient care, emergency cover for pregnancy (up to 12 weeks) and emergency delta care – which is up to $8000 with this plan. However, there may be sub-limits that apply to your emergency medical and emergency surgery and in-patient care claims.
And, as with both plans, you’ll have the flexibility to extend or cancel your policy anytime. You can even buy it while you’re traveling. And you get access to 24/7 around-the-clock customer support through the app.
Compared with the Starter plan and the Remote plan, the Comfort plan offers some additional cover benefits, including:
- Non-urgent elective treatments, surgeries and derivative hospitalization – sub-limits may apply
- Treatments by a physiotherapist
- Outpatient care including specialist consultations and office visits with a doctor
- Maternity and childbirth cover up to $10,000 a year (waiting limits apply)
- Routine checkups – up to $400 a year
- Hospitalization and inpatient care for continuous medical conditions – sub limits may apply
- Chronic and routine medical care – sub limits may apply
- Inpatient mental health care – up to $10,000 a year and subject to waiting periods
FAQs about PassportCard Nomads insurance
Below are some answers to frequently asked questions about PassportCard Nomads insurance, which will hopefully clear up any questions you may have had.
It can be challenging to compare different health and travel insurance options, and choosing the right one for you. Knowledge is power and the more details you find out about the different plans, the more easily you’ll be able to make a ‘like for like’ comparison to help you make the most informed decision.
What isn’t covered by PassportCard Nomads insurance?
There are certain things that PassportCard Insurance doesn’t cover. As with many forms of insurance, you won’t be covered for any pre-existing medical conditions, for accidents and injuries during military service or where you don’t take safety precautions when doing extreme sports, etc.. And for all plans except the Comfort plan, you won’t be covered in your home country.
None of the PassportCard Nomads insurance plans automatically include cover for lost luggage and other travel-related claims, but you can customize your plan to include those if you want to.
You also won’t be covered for flight delays, travel cancellations, or interruptions to your travel plans.
What are the pros and cons of PassportCard Nomads insurance?
Comparing the pros and cons of any health insurance cover can help you see at a glance whether the insurance cover is what you’re looking for or not. Here are some of the pros and cons of PassportCard Nomads insurance:
Pros
- Offers COVID-19 cover
- Flexible: you can extend, cancel or signup anywhere, anytime
- It’s simple and easy to signup and you can do that all online
- There are 3 different plans (Starter, Remote, Comfort) to suit your budget and your travel duration needs
- Affordable insurance rates with the option to extend cover if you want to
- You get a portable Red Card that works like a credit card and can be loaded with funds so you don’t have to be out-of-pocket
- You get access to 24-7 customer support via the app to help you manage claims quickly or find a nearby hospital or doctor
- You no longer need to carry around reams of paperwork related to your policy – you just use your Red Card instead
- You can add on extra cover for travel benefits including luggage and personal items cover, laptop cover, camera cover, extreme sports cover, search and rescue cover, and third party cover.
Cons
- Only the Comfort plan providers cover in your home country
- There are age restrictions – you need to be between 18 to 45 for the Starter and Remote plans, or 65 and under for the Comfort plan
- Any additional cover customization comes at a cost
- You need access to internet to manage claims via your app
- There’s no cover for travel delays, disruptions or cancellations
- Cover for certain countries comes at an additional cost
Is PassportCard Nomads Insurance right for me?
If you’re a digital nomad who loves traveling and wants to make sure you have the health coverage needed to keep you safe on your journey, then this might be the right option for you.
As long as you’re either between the age of 18 to 45 (for the Starter and Remote plans) or 65 and younger for the Comfort plan, then you may feel a great sense of peace knowing you have insurance cover in case of any unforeseen emergency or treatment you may require.
You’ll also need to be savvy enough to know how to use a mobile phone app to liaise with the customer service center to process your claim.
If, however, you’re only looking for travel insurance to cover you for lost baggage and or flight cancellations, then this might not be the right option for you.
Final thoughts on digital nomad insurance via PassportCard Insurance
If you’re looking for digital nomad insurance while you travel the world, then you may want to consider PassportCard insurance. It offers 3 different plans to suit your budget and needs, and you can also add on extra travel cover benefits such as luggage and personal items cover, laptop cover, camera cover, extreme sports cover, search and rescue cover, and third-party cover.
If flexibility and innovative digital solutions are what you’re looking for in a digital nomad insurance plan, then PassportCard Nomads ticks all the boxes. And having a Red Card in your wallet will also give you peace of mind that you have access to health insurance wherever you may go (along with their app) and that you won’t have to wait for reimbursement or be out of pocket.
