# World Explorer™ by Insured Nomads

> Modern travel insurance for borderless living \-\- single trip, multi\-trip, and warzone coverage for digital nomads, remote workers, and global travelers\.

## At a glance

| Field | Value |
| --- | --- |
| Category | Specialty Solutions |
| Type | Solutions Provider |
| Region | NA |
| Headquarters | Birmingham, Alabama, USA |
| Founded | 2019 |
| Stage | Growth |
| Employees | 11-50 |
| Funding | Seed (USD 2.1M Pre-Seed) |

## Overview

World Explorer™ by Insured Nomads is the flagship travel insurance product line of Insured Nomads, an insurtech company founded in fall 2019 by Andrew Jernigan (CEO), Allen Koski (President and Chief Innovation Officer), and Juliana Jernigan (Chief Medical Officer). Launched in December 2019, the World Explorer suite provides travel medical insurance and comprehensive trip protection for modern travelers, digital nomads, remote workers, and globally mobile professionals.

Insured Nomads combines traditional insurance coverage with embedded tech-enabled services including emergency response, security evacuation, telemedicine, and travel intelligence. The company operates regulated entities in the United States (Birmingham, Alabama), Ireland (Dublin), and Europe, serving customers globally except in OFAC-restricted countries. Insured Nomads positions itself as "The evolution of insurance for the revolution of work and travel."

The company uses the CoverGo no-code insurance platform (adopted 2021) to enable rapid product development and policy/claims management. Insured Nomads operates as a mandated underwriter for Allianz Partners and distributes through travel agencies, online travel agencies (OTAs), co-working spaces, relocation services, and employer channels. The World Explorer product line was launched on Product Hunt in September 2024.

## Products & services

### World Explorer \- Single Trip

Short-term travel medical insurance for trips of 7 to 364 days. Covers emergency medical expenses, evacuation and repatriation (up to USD 2M), emergency dental, COVID-19 treatment, lost luggage, flight delays, and sports equipment. Includes 24/7 medical assistance.

**Key features:**

- Emergency medical coverage up to USD 2M evacuation and repatriation
- COVID\-19 treatment included
- 24/7 medical assistance with global provider access
- Lost luggage and flight delay coverage

*Target users:* Individual travelers, families, digital nomads

### World Explorer Guardian

Available exclusively to US residents (domestic and international travel). Includes all Single Trip benefits plus trip cancellation coverage. Activates a Guardian Membership providing real-time country intelligence, emergency crisis response, security relocation benefits, InstaPass airport lounge access (1,300+ locations), and Global Nomad Pass for local deals.

**Key features:**

- Trip cancellation coverage included
- Real\-time country intelligence and security alerts
- Crisis response and security relocation benefits
- InstaPass access to 1,300\+ airport lounges worldwide

*Target users:* US\-based travelers seeking comprehensive trip protection

### World Explorer Multi

Annual multi-trip plan covering multiple trips per year, each up to 30 or 45 days. Designed for frequent travelers.

**Key features:**

- Unlimited trips per year
- Per\-trip coverage up to 30 or 45 days
- All World Explorer core benefits included

*Target users:* Frequent travelers, digital nomads

### World Explorer Hotspot

Specialized coverage for conflict zones and high-risk areas, including Do Not Travel regions. Designed for journalists, humanitarian workers, and aid personnel.

**Key features:**

- Emergency medical up to EUR 500K
- Political and crisis evacuation with specialist security consultants
- Wrongful detention and kidnap response
- Ransom indemnification up to EUR 250K
- Search and rescue \(EUR 25K\) and natural disaster evacuation
- Excludes Iran, North Korea, Russia, and Belarus

*Target users:* Journalists, NGO personnel, humanitarian workers, security contractors

### INC Membership \(Juvo Benefits Bundle\)

Embedded membership benefits activated with policy purchase including virtual bodyguard with crisis evacuation, cybersecurity protection, mental health counseling, telemedicine, airport lounge access via InstaPass, and global intelligence services.

*Target users:* All World Explorer policyholders

## Category & focus

- Subcategories: Travel Insurance, Warzone Coverage, Remote Worker Protection, Global Health Insurance
- Insurance verticals: Specialty/E&S, Health
- Target customers: Consumers, Employers

## Notable customers

- Individual travelers and vacationers
- Digital nomads and remote workers
- Expatriates and globally mobile professionals
- Families including worldschoolers
- Corporate distributed teams
- Journalists, humanitarian workers, and NGO personnel in conflict zones
- US residents seeking domestic and international trip protection

## Links

- Website: <https://worldexplorertravelinsurance.com/>
- Directory profile: <https://insurtechlist.com/companies/world-explorer-by-insured-nomads/>
- Linkedin: <https://www.linkedin.com/company/insurednomads>
- Trustpilot: <https://www.trustpilot.com/review/insurednomads.com>
- Main company: <https://insurednomads.com/>
- Press resources: <https://insurednomads.com/press/>
- Cruise insurance: <https://insuredcruises.com/>
- Hotspot coverage: <https://hotspotcover.com/>

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*Last updated: 2026\-04\-09*