soNomad is relatively new to the insurance market, but it's gaining popularity for its broad range of coverage options and easy purchasing process. Whether you’re a student, seasoned traveller, or just looking for basic coverage on your next out-of-province trip, you can find the travel insurance you need.
However, soNomad doesn't offer coverage for all Canadians quite yet. It also specifically states that it won't cover high-risk vacation activities, such as skydiving and spelunking.
soNomad features
Here's an overview of all the features that soNomad has to offer:
Why You Want It
Pay 25% less for coverage on average + Get a free, no-commitment quote in minutes.
Special Features
- No administrative fees for date changes, cancellations, or early returns
- Call 1-855-221-4555 for a quote
- COVID-19 coverage at no extra cost
Eligibility
- Canadian resident or visitor
Provinces
ALL
Features
Travel Accident
$25,000
Emergency Medical
$2,000,000
Trip Cancellation
$20,000
Trip Interruption
$25,000
Flight Delay
$1,000
Baggage Loss, Damage, Delay
$1,500
Hotel Burglary
$1,500
Rental Car Theft And Damage
Rental Car Accident
N/A
Rental Car Personal Effects
N/A
Student Plans Available?
soNomad product rating: 4.9 stars
While soNomad is a relative newcomer, it has a lot to offer Canadian travellers. We've gone through the process of getting a test quote from many different insurance providers, but soNomad's system was by far the easiest and fastest we've ever encountered. Combine this with their low prices and range of coverage options, and you've got an impressive service with impressive products that should have no trouble competing in the travel insurance sphere.
Yes, there are still some kinks and quirks to be worked out. But these issues will likely be addressed over time.
Rating methodology
To evaluate travel insurance, we analyze over 15 data points to generate a trustworthy Genius Rating. We consider all aspects of a travel insurance policy, including the premium, trip cancellation coverage, burglary and loss protection, customer satisfaction, and rental car coverage, to assess its overall value. Then, the travel insurance policy’s features are rated based on how they stack up against other available options.
Learn more about our rating methodology.
The pros of soNomad
This newcomer to the travel insurance scene has a lot to offer and a lot to like. Take a look:
Pros
Up to 25% cheaper than other travel insurance on average
Typical insurance brokers can have high commission fees (sometimes up to 25%), but soNomad charges a minimum fee instead. They claim that this saves their clients an average of up to 25%, and our test quoted came out at about 17% cheaper than TD, which is pretty close. They also don't charge anything for changing your travel dates, which is a refreshing change from the usual service and admin fees from other providers.
Easy-to-use online quote system
We ran a few test quotes and found that soNomad's online quote system is incredibly easy to use and provides fast results. Minimal questions are asked, so it really just takes a few clicks, and you're presented with several different plan options, tiered by the extent of coverage you prefer. Each quote provides detailed information about the individual plan, helping you make an informed decision.
Unique plans for visitors to Canada
Those planning a visit to Canada will find that soNomad offers some valuable options. Super visa holders, future Canadian residents, workers waiting for insurance benefits to begin, and international students can all get coverage and enjoy peace of mind.
The cons of soNomad
There are still a few things to be wary of with soNomad, though. Here are a few details we noticed:
Cons
Some areas of Canada are left out
While all Canadians can use and get quotes from soNomad, once you select a package to purchase, you'll notice some fine print mentioning that some coverages aren't available in all provinces and territories. So you might be disappointed when you try to purchase what you thought was the perfect plan.
High-risk adventure activities are excluded
Thrill seekers should read the terms and conditions, as many popular activities aren’t covered. These include scuba diving (to a depth of 60 feet), white-water rafting or water skiing, motor sports, piloting classes, skydiving, hot-air ballooning, and more.
Get a soNomad quote
soNomad alternatives
Wondering how soNomad stacks up against the competition? Here's a head-to-head comparison:
 |  |  |  | |
|---|---|---|---|---|
| Account | soNomad | TD Travel Insurance | Scotiabank Travel Insurance | RBC Travel Insurance |
| Genius Rating | ||||
| Why You Want It | Pay 25% less for coverage on average + Get a free, no-commitment quote in minutes. | Choose from 4 plans + convenient online quotes and claims 24/7. | Save up to 50% for travel within Canada + Pandemic coverage available. | Includes comprehensive, medical, and trip cancellation + 24/7 support. |
| Travel Accident | $25,000 | $200,000 | $50,000 | See Issuer for Details |
| Emergency Medical | $2,000,000 | $5,000,000 | $10,000,000 | $Unlimited |
| Trip Cancellation | $20,000 | $25,000 | $2,500 | See Issuer for Details |
| Trip Interruption | $25,000 | $25,000 | $2,500 | See Issuer for Details |
| Flight Delay | $1,000 | $700 | See Issuer for Details | $1,750 |
Show More | ||||
| Get a quote See more SoNomad products Compare | Learn More See more TD products Compare | Learn More See more Scotiabank products Compare | Learn More See more RBC products Compare |
FAQ
What is soNomad insurance?
soNomad is a Quebec-based company that offers different types of travel insurance coverage. They provide an easy-to-use online quote system, offer tiered packages for surprisingly low prices, and reward customers for planning early for their insurance needs.
Is soNomad insurance legit?
Yes, soNomad is a legit travel insurance provider. They've been in business since 2019 and operate out of Montreal, Quebec. Some of their products include medical insurance and trip insurance, including coverage for travel accidents, flight delays, and more.
What makes soNomad a good option?
soNomad's low, competitive pricing, unique plans, preseason rates, and user-friendly online quote system make it a solid choice for travel insurance. Unfortunately, coverage isn't available for residents of all provinces and territories so be sure to check this.
How do I contact soNomad?
You can get in touch with soNomad by calling 1-888-815-7472 or emailing customer service at [email protected]. You can also visit the soNomad website and fill out the form on the contact page to have a representative contact you.
Is soNomad a Canadian company?
Yes, soNomad is a Canadian company with headquarters in Montreal. However, an American conglomerate, Berkshire Hathaway, underwrites the insurance offered through soNomad. This means that while soNomad is Canadian-based, the insurance backing comes from a U.S. provider.
Who offers the best travel medical insurance in Canada?
The best travel medical insurance largely depends on whether you want to work with your current bank or purchase specialized coverage. TD Travel Insurance, World Nomads, Medipac, and more all made our list of the best travel insurance.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.
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