Scan our PassportCard Nomads evaluation to find the advantages and disadvantages of this progressive new journey insurance coverage firm. See for your self if it’s the best journey insurance coverage alternative for you!
In our 12 years of writing about journey, it’s uncommon that there’s one thing new within the journey insurance coverage house. We’ve talked intimately about journey insurance coverage choices for brief time period vacationers, long run vacationers, and even expats, and lined a lot of the main firms within the journey insurance coverage house.
Nonetheless, on this article we’re a brand new strategy to journey insurance coverage from PassportCard Insurance coverage. PassportCard world nomad insurance coverage is progressive as a result of it’s a totally app-based journey service.
Personally, we by no means take at journey with out ensuring now we have journey insurance coverage in place.
We’ve had a few conditions the place we’ve wanted journey insurance coverage: as soon as once I ended up within the hospital for 3 days in Thailand, and as soon as the place our son was injured in Greece.
We’re each okay now, however they have been anxious conditions, and having journey insurance coverage meant that we didn’t want the extra fear of a dear, sudden medical invoice. See our “Do I want journey insurance coverage?” article for extra.
Getting reimbursed for journey insurance coverage is a trouble
One of many important hassles with utilizing journey insurance coverage is that many insurers require you to pay out of pocket to get handled. You’re then paid again while you file a declare. As you’ll be able to think about, that is fairly anxious, and particularly regarding in the event you’re low on funds.
When our son minimize his eye on a chunk of playground tools in Greece, we have been compelled to pay out of pocket for costly non-public medical care, as that was all that was accessible. We then needed to think about getting a reimbursement from the journey insurance coverage firm after the very fact. We have been fortunate that it was just a few hundred Euro.
There have to be a greater approach.

That’s the place PassportCard Nomads is available in.
PassportCard Nomads Insurance coverage Evaluation
PassportCard Nomads is principally a journey insurance coverage bank card that allows you to you employ an app to entry and handle your journey insurance coverage.
In an emergency, observe three fast steps to make use of the cardboard:
- Open the app.
- Select the service you want (cash is added to your card for use instantly).
- Use the cardboard to pay for medical care.
All it’s essential to do is swipe the pink card and PassportCard Nomads pays for medical care.
That’s the place this insurance coverage is totally different. PassportCard says it’s is the one insurer that settles claims in actual time, probably inside minutes.
You possibly can prolong or cancel anyplace, or any time.
To get costs, and study extra about plans and particulars, get a quote on the Passport Card Nomads web site right here.
Who’s PassportCard Nomads insurance coverage for?
PassportCard Nomads insurance coverage is generally aimed to digital nomads and distant employees who’re away from their dwelling nation who wish to get expat journey insurance coverage.
It’s usually aimed toward for youthful vacationers and long run vacationers (however they do have a plan that may cowl as much as age 65).

How does PassportCard Nomads work?
PassportCard is a pay as you go card which pays in your medical providers. Simply load it through the app, no questions, no paperwork, no trouble.
To get PassportCard insurance coverage, go to their web site and buy a plan. (There are particulars on the plans they provide later on this publish.)
They’ll ship your private, bodily, pink Nomads Card inside seven enterprise days of buying your coverage.
Signal into the app, and end establishing your account and preferences.
If it’s essential to make a declare, open the app, request funds, and pay in your medical service with the cardboard.
What are the potential drawbacks?
As a result of PassportCard nomads works like an everyday bank card, it ought to work in all international locations on the earth. There are a couple of areas of the world the place the VISA community doesn’t work; sanctioned international locations for instance.
There’s additionally the small likelihood that the VISA community is down, resulting from technical issues. In both case, you’d simply must pay out of pocket, and get reimbursed later, identical to common journey insurance coverage.
As a result of Passport Card Nomads insurance coverage is app based mostly, you may additionally run into an issue in the event you can’t entry the app.
IF you’re in a spot the place there’s no knowledge or Wi-Fi, you gained’t have the ability to entry the app so as to add funds in your emergency. Equally, if one thing catastrophic occurs, and you could possibly be so badly sick or damage which you can’t use the app so as to add funds.
If there isn’t Wi-Fi accessible, or you’ll be able to’t use the app for another cause so as to add funds, then you definately’ll should pay up entrance and get reimbursed later, identical to with different journey insurance coverage insurance policies.
Usually, I’d guess that the probability of any of those taking place is extraordinarily low. Even when they do occur, you’re nonetheless lined by reimbursement in your up-front prices, identical to different journey insurance coverage insurance policies.

PassportCard Nomads protection doesn’t robotically misplaced baggage. Should you’re on the lookout for baggage cowl, you could must get that individually.
Nonetheless, you may get an add-on for theft of digicam or laptop computer, or non-obligatory protection for luggage and private objects.
How a lot does PassportCard insurance coverage value?
Plans begin at $59 a month.
What plans are provided?
PassportCard presents three plans, all of which include a pink journey insurance coverage card:
- Starter – for brief time period vacationers as much as 6 months
- Distant – an prolonged plan for as much as 12 months
- Full – for many who have settled down and relocated to their chosen vacation spot
Starter Plan
The Starter plan begins at $59/month.
It’s really helpful for vacationers which have a house base, and journey sometimes.
Deductible: 0
Age: 18-45
Protection: as much as $500,000 per coverage interval
You possibly can customise the Starter plan by including lack of baggage, excessive sports activities, theft of laptop computer or digicam, and extra.
The Starter plan doesn’t cowl journey within the USA.

Distant Plan
The Distant plan begins at $119/month.
This plan is really helpful for long run vacationers and distant employees. It contains annual checkups and outpatient cowl.
Deductible: 0
Age: 18-45
Protection: as much as $1,000,000 per coverage interval
You possibly can customise the Distant plan by including lack of baggage, excessive sports activities, theft of laptop computer or digicam, and extra.
The Distant plan doesn’t cowl journey within the USA.
Full Plan
The Full plan begins at $200/month.
The Full plan is the one plan that covers nomads travelling to the USA. It additionally contains emergency medical care, elective care and has wellness profit plan.
Deductible: varies
Age: As much as 65
Protection: as much as $3,500,000 per coverage interval
You possibly can customise the Full plan.
The place on the earth am I lined?
If you would like protection to the USA, you’ll want to decide on the Full Plan, which is the one plan that features cowl within the USA.
The Normal and Distant plans embrace protection to nearly each nation on the earth besides the USA.
You possibly can add an prolonged medical insurance coverage protection for the next international locations, which aren’t a part of the default cowl: UK, China, Hong Kong, Taiwan, Brazil, Singapore, Switzerland.
What occurs if I don’t have my card?
The coverage is lively with or with out the cardboard.
The benefit of the cardboard is that it’s loaded with funds to pay the medical bills. Should you pay by your self, Passport Nomads reimburses your bank card or checking account.

Can you purchase PassportCard Nomads insurance coverage overseas?
Sure, you should buy PassportCard Nomads insurance coverage when you’re overseas.
Is there a deductible?
There’s no deductible for the Starter and Distant Plans. The deductible varies with the Full Plan, relying on the choices you select.
Can I prolong my insurance coverage whereas on my journey?
Sure. You possibly can prolong or cancel.
Is COVID-19 protection included?
COVID-19 cowl is included.
All three plans cowl inpatient therapy in case of an infection beneath the coverage, topic to the particular plan you buy, and the small print of the plan. See your particular coverage for particulars.
The PassportCard Nomads website says “COVID-19 detection checks will even be thought-about a medical expense in circumstances that justify testing in case of suspicious signs or clear publicity to a affected person identified with Coronavirus“.
Do I want to make use of the PassportCard medical doctors?
You aren’t required to select a health care provider really helpful by PassportCard Nomads. Nonetheless, they will join you with multilingual medical specialists in the event you’d like.
What does the app do?
You’ll want the app to load the cardboard with funds, seek for healthcare suppliers close by, handle claims and look at well being plan advantages.
The app is on the market on Google Play and the App Retailer for iPhone and iPad.
Right here’s a bit extra on the app from the PassportCard Nomads YouTube channel.
Who’s the underwriter?
The underwriter is DavidShield Insurance coverage Firm Ltd.
Want extra particulars?
As a result of journey insurance coverage insurance policies can change with out warning, look over the insurance coverage coverage before you purchase. You could find hyperlinks to particular insurance policies within the footer of the PassportCard Nomad web site, proven under.

To get costs, and study extra about plans and particulars, get a quote on the Passport Card Nomads web site right here.