What NOMADS.insure does

NOMADS.insure is an independent insurance brokerage that curates and distributes global health, travel, disability, and equipment insurance for digital nomads, remote entrepreneurs, and expats. The company operates through its legal entity Herrmann, Huebner & Partner Insurance Broker OÜ, headquartered in Tallinn, Estonia, and is licensed by the Estonian Financial Supervision Authority as an insurance intermediary for activities across the European Economic Area. It carries professional indemnity insurance through Lloyd's Insurance Company S.A. (policy PI21PR0137 via UAB Prokopius). The platform distributes policies from approximately 26 international insurance providers, including Allianz Care, AXA, Cigna Global Health, April International, Foyer Global Health, BDAE, COVRD.EE, PassportCard, and Care Concept, with core offerings segmented into Global Health Insurance (age-based premiums, worldwide coverage), Travel Insurance (3-month to 5-year journeys), Disability Insurance, and Tech & Gear Insurance.

The underlying technology is a brokerage platform with an online quote selector and consultation booking system, supported by content assets such as provider reviews and a free downloadable Nomad Guide PDF. NOMADS.insure generates revenue through commissions paid by insurance carriers on placed policies, complemented by an ongoing broker mandate service — including document checks, claims advocacy, and contract management — provided at no extra cost to the policyholder. The company runs a sales-led, consultative go-to-market: all quotes are personalized based on age, destination, coverage level, deductible, and number of insureds, delivered through 30-minute video consultations rather than public self-service pricing. Distribution is global, with curated targeting for digital nomads (primary), expats, entrepreneurs-on-the-go, and Estonian e-residents.

The company is founder-led by Managing Director Christoph Huebner, supported by Expert Broker Aaron Schnakenberg (couples/families specialist), and is privately held and bootstrapped with no disclosed external venture or private equity backing. Headcount is reported at 1–10, and the operating geographies span worldwide with no disclosed restrictions beyond the underlying EEA licensing footprint.

Name

NOMADS.insure

Legal name

Herrmann, Huebner & Partner Insurance Broker OÜ

Website

https://nomads.insure

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

NOMADS.insure is an Estonia-based independent insurance brokerage curating global health, travel, disability, and equipment insurance from approximately 26 carriers for digital nomads, remote entrepreneurs, and expats worldwide, earning revenue via carrier commissions and consultation-based sales.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

akta.pro secondary industries

International/Expat Critical Illness & Hospital Indemnity (FSAIAKAJ), Travel Assistance & Concierge Services (Non-Insurance) (FSAJAJAF), Underwriting, Pricing & Policy Administration (PAS) for Travel Insurance (THALALAK)

Keywords

• Insurance brokerage services
• Digital nomad insurance
• Global health insurance
• International travel insurance
• Expat insurance advisory

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations

Revenue model

1. Insurance brokerage commissions: As a licensed insurance broker, NOMADS.insure receives commissions from insurance companies for policies placed. The broker's commission is generally a percentage of the insurance premium or a fixed fee. Commission may be received from the policyholder, paid by the insurance company on behalf of the policyholder, or a combination of both.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

NOMADS.insure is a licensed insurance brokerage (operating as Herrmann, Huebner & Partner Insurance Broker OÜ) that curates and distributes international health, travel, disability, and tech/gear insurance products from multiple global insurers for digital nomads, expats, and remote entrepreneurs. The company provides personalized video consultations, ongoing claims support, and broker mandate services, earning commissions from insurance providers for policies placed.

Product overview

NOMADS.insure is a digital nomads insurance broker operating as a platform that curates and distributes exclusive insurance products for digital nomads. The core offering consists of four insurance categories: Global Health Insurance (with multiple provider options including Allianz Care, April International, BDAE, COVRD.EE, Foyer Global Health, Genki, and PassportCard), Travel Insurance (3 months to 5 years), Disability Insurance, and Tech & Gear Insurance. The platform functions as an independent intermediary, sourcing from premier insurance companies worldwide and offering personalized consultation, claims support, and ongoing broker mandate services. The company also provides a free Nomad Insurance Guide as a lead magnet and educational resource.

Differentiator

Problem solved

Functional benefit

Products and services

• Global Health Insurance for Digital Nomads Comprehensive international health insurance packages tailored for digital nomads, remote entrepreneurs, and long-term travelers, sourced from providers such as Allianz Care, April International, BDAE, COVRD.EE, Foyer Global Health, Genki, and PassportCard. Coverage ranges from short-term protection spanning a few months to comprehensive long-term international health insurance with age-based premiums.
• Travel Insurance for Digital Nomads Travel insurance coverage for specific journeys lasting from 3 months to 5 years, designed for digital nomads requiring protection during extended travel periods.
• Disability Insurance for Digital Nomads Insurance coverage for disabilities, providing protection for digital nomads in case of disability-related events.
• Tech & Gear Insurance for Digital Nomads Insurance coverage for equipment and technology gear essential to digital nomads' work and lifestyle.
• Consultation and Broker Mandate Services Personalized 30-minute video consultations to analyze insurance needs, ongoing document checks, claims support, and contract management during the policy duration. Services are provided at no extra cost to clients as they are paid by the insurance company commissions.

Quantifiable outcome

• Customers receive insurance cards within days (e.g., 2 days in one case)

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

27 partnerships are on record, tiered core and minor.

• Allianz CarecoreOthersOne of the largest global insurance companies, offering international health insurance plans suitable for digital nomads. Featured prominently on the NOMADS.insure platform.
• April InternationalcoreOthersSpecialist international health insurance provider from France. Offers plans with optional maternity coverage and comprehensive international health benefits.
• BDAE (Expat Infinity)coreOthersMGA from Hamburg, Germany. Provider of the Expat Infinity product with coverage including maternity benefits in Premium plan with 8-month waiting period.
• COVRD.EEcoreOthersCustom insurance product for professional digital nomads with a business in Europe. Offers comprehensive coverage including maternity with no limits in all plans.
• Foyer Global HealthcoreOthersReputable insurance provider from Luxembourg. Offers plans with maternity coverage in Special and Exclusive tiers, with complications covered at no limit.
• GenkiminorOthersInternational health insurance provider featured in the NOMADS.insure portfolio.
• PassportCardcoreOthersOriginally from Israel, offers health insurance with maternity coverage (Comfort and Premium plans) and no-limit complications coverage.
• AXAcoreOthersOne of the world's largest insurance companies from France. AXA Global Healthcare offers international health plans.
• Cigna Global HealthcoreOthersProvider from USA offering tiered health plans (Silver, Gold, Platinum) with varying maternity coverage and newborn care limits.
• HanseMerkurminorOthersThe 2nd biggest travel insurance company of Germany, offering travel insurance products.
• Dr. WalterminorOthersA niche MGA from Germany specializing in international health coverage.
• SafetyWingminorOthersInsurance provider reviewed on NOMADS.insure. The broker notes concerns about SafetyWing's regulatory status and unclear legal structure, recommending compliant alternatives instead.
• World NomadsminorOthersTravel insurance provider included in the insurance provider list on the website.
• Care ConceptcoreOthersProvider offering unique plan interruption option allowing customers to pause health insurance for up to 5 years. Three pricing zones with deductibles of 0/1200/3600 EUR. Maximum entry age 65.
• BarmeniacoreOthersGerman insurance company that is the risk bearer for Care Concept products. Founded in 1904 with high expertise in health insurance.
• AetnaminorOthersInternational health insurance provider included in the provider list.
• ARAGminorOthersLegal insurance provider included in the provider list.
• BupaminorOthersInternational health insurance provider included in the provider list.
• ContinentaleminorOthersGerman insurance provider included in the provider list.
• GlobalityminorOthersInternational health insurance provider included in the provider list.
• Insured NomadsminorOthersInsurance provider included in the provider list with nomad-focused products.
• Morgan PriceminorOthersInternational health insurance provider included in the provider list.
• MSHminorOthersInternational health insurance provider included in the provider list.
• Now HealthminorOthersInternational health insurance provider included in the provider list.
• Regency for ExpatsminorOthersInsurance provider included in the provider list. Note: Does not offer maternity coverage.
• VUMIminorOthersInternational health insurance provider included in the provider list.
• Lloyd's Insurance Company S.A.coreOthersProfessional liability insurer for the broker. UAB Prokopius acts on behalf of Lloyd's (policy no. PI21PR0137).

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Genki: Provides international health insurance for travelers, expats, and nomads with self-serve online quotes. Listed as a partner in NOMADS.insure's portfolio and represents the digital-direct model that competes with broker-mediated distribution.
• World Nomads: Long-established travel insurance provider targeting independent travelers and adventurers, including long-trip coverage. Operates as a direct-to-consumer alternative in the same nomad/traveler insurance category.
• SafetyWing: Digital-first insurance provider purpose-built for remote workers and nomads, offering Nomad Health and Global Health products. Most direct competitor to NOMADS.insure's core segment, and the company itself uses SafetyWing as a comparison example in its content marketing.
• Globality Health: Specialist international health insurer serving globally mobile individuals, expats, and nomads. Listed among NOMADS.insure's partner providers and operates with similar target customers.
• April International: French specialist provider of international health insurance including maternity coverage options for expats and globally mobile clients. Direct overlap with NOMADS.insure's core health insurance product offering.
• Foyer Global Health: Luxembourg-headquartered international health insurer focused on expats and globally mobile professionals. Featured as a core partner in NOMADS.insure's portfolio with comparable products and target customers.
• Insured Nomads: Insurance provider with nomad-specific products, included in NOMADS.insure's portfolio. Competes for the same digital nomad and expat health insurance demand.

Broad incumbents

• Allianz Care: Global insurance giant's international health division offering comprehensive worldwide coverage for expats and nomads. Featured prominently as a core partner but also offers direct distribution that competes with brokerage models.
• Cigna Global Health: One of the world's largest health insurers with tiered international health plans (Silver/Gold/Platinum) targeting globally mobile individuals. Both a partner of NOMADS.insure and a direct competitor for the high-end expat/nomad health market.

Emerging players

• COVRD.EE: Custom-designed insurance product built specifically for professional digital nomads running a business in Europe, with comprehensive coverage including maternity. Emerging specialist product that targets the same niche from the carrier side.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xtwitter.com/NOMADSinsure
• YouTubeyoutube.com/channel/UCCyb_PWMpF2wKtrF0JHQd1Q
• Facebookfacebook.com/nomads.insure
• LinkedInlinkedin.com/company/nomads-insure
• Instagraminstagram.com/nomads_insure

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NOMADS.insure