Insurance built for how the world works now.
Real medical, gear and travel cover. Priced for the city you actually live in.
Who it is for
For people who live in more than one place.
Working from anywhere with Wi-Fi.
Move every few months. Need cover that moves with you. No address required.
On the road for six months or more.
Real medical, real gear cover, real evacuation. Surf and scooters are not add-ons.
Just landed somewhere new.
Local prices, local clinics, local languages. Sort cover before your first coffee.
How pricing works
No fixed plans. A real price for your city.
Our AI agent quotes you against the actual cost of healthcare and risk in the city you are in. Same cover. Local price. No foreigner tax.
Tell our AI where you live
One line in chat. City, how long, what you do.
We price it against your market
Local clinic rates, local risk data, local currency. Updated daily.
Pick a level of cover, activate
Essential, full or family. Same chat. Card in your wallet before takeoff.
Recent quotes
Indicative local prices. Yours will be different.
Indicative examples for illustration. Real prices are generated by our AI at quote time.
What is covered
Cover that keeps up with you.
Medical and emergencies
Hospital, doctor, dental, mental health, worldwide.
Gear
Laptop, camera, phone. Up to $4,000 anywhere on earth.
Trip and cancellation
Missed flights, delays, lost bags, sudden plans.
Adventure sports
Surf, dive, hike, ski, ride. By default, not as an add-on.
Personal liability
If something goes sideways, you are covered up to $1M.
24/7 evacuation
Real humans, real choppers, real fast.
How it works
From "where am I going" to covered. In a chat.
Ask
Tell us where you are headed and for how long.
Quote
A real local price in seconds. No spreadsheets.
Cover
Tap to activate. Card in your wallet before takeoff.
Claim
Chat the agent, get paid out in hours, not weeks.
Try it now
A real quote, in a real chat.
Tell Ellie where you are going. She will pull a locally priced plan in seconds.
Where are you headed?
Pricing is set against your destination, not a global average.
Launch markets
Other countries
Claims
Lost your phone in Lisbon? Tell Cam.
No forms, no call centres. Drop a photo of the receipt, describe what happened, get paid out, usually before you finish your coffee.
- Median claim, under 12 hours
- Pay direct to local clinics
- Replies in your language
Support
A real human in your pocket. Any timezone.
Sam is on 24/7. Extending plans, swapping countries, finding a clinic nearby. The kind of help you would get from a well travelled friend.
Elsewhere Local
It is not just a policy. It is a passport.
Members get a stamp in every country they cover. Plus weekly meetups, supper clubs and group rides, wherever they land.
The cover comes with company.
Sunset run, Praça do Comércio
Thu, 19:00
Members supper club, Ari
Sat, 20:30
Surf and coffee, Canggu
Sun, 06:30
Big Almaty Lake hike
Sat, 07:00
Reviews
What we are building toward.
We are pre-launch, so these are not real customer quotes yet. They are examples of the feedback we are designing for.
The bar we are aiming at: file a claim from anywhere, get paid out the same day, no forms, no call centres.
The bar we are aiming at: a local price wherever you land, not a foreigner premium.
The bar we are aiming at: a real human in your language, in your timezone, every time.
Trust and credibility
A modern face, an old-school balance sheet.
We look like a startup. The cover is issued through licensed local insurance partners in each market.
Licensed local partners
Cover in each country is issued through a licensed local insurance partner. Partner names will be published before launch.
Properly regulated
Each policy is regulated by the relevant local supervisor in the country it is sold in. Specifics will be published before launch.
Real local entities
Licensed local companies, not offshore wrappers. Pay claims in local currency, to local accounts.
FAQ
The straight answers.
Is Elsewhere real insurance?+
Yes. Cover in each country is issued through a licensed local insurance partner and regulated by the relevant local supervisor. We are pre-launch and will publish partner and regulator details for each market before going live.
How is it cheaper than the others?+
We price locally, sell direct and run claims with AI plus a small human team. No call centres, no broker margin, no foreigner tax.
Can I cancel?+
Yes, you can cancel in the app. Refund terms depend on the local partner and the country's rules, and will be set out clearly in the policy.
What if I am already abroad?+
You can buy cover from anywhere. Most plans start the moment you tap activate.
What is not covered?+
Pre-existing conditions you have not declared, anything you do drunk, war zones and rocket science. We are upfront about it in the policy. No buried clauses.
How fast are claims really?+
Median 4 hours. 98% of straight-through claims under $2,000 are decided automatically. Larger ones get a human reviewer, usually within the hour.
Wherever you go next.
Sort cover in 60 seconds. Locally priced. Worldwide.