Travellers
A trip of days or weeks, booked around flights and plans you have paid for. Cover for emergency medical care, your belongings, and trip cancellation for the serious reasons.
A membership for people who live between countries.
At its core, real travel medical cover, priced with licensed local insurers in each market we open. Launching 2026.
Opening across 18 destinations.
Who it is for
From anywhere, going anywhere. Three ways people live between countries, one way to be covered.
Nomads
Moving for months, up to a year at a time. Long-stay cover with your laptop, phone and belongings covered against loss and theft, wherever you set up next.
Expats
Relocating for good, with everything that means. Cover from the day you leave, for up to a year at a time, extendable as you settle in.
What a claim feels like
A short exchange with Cam, our claims assistant, played out the way the real thing works.
A demonstration of how claims work at Elsewhere
Member
Hi. I am in Lisbon and I saw a doctor this morning. A chest infection, nothing dramatic. Can I claim for the visit?
Cam · AI assistant
Sorry to hear that, and I hope you are mending. I can file this for you now. When did you see the doctor, and what did the visit cost?
Member
This morning, a clinic in Alfama. 85 euros.
Cam · AI assistant
Thank you. Two more things and your file is complete: a photo of the clinic receipt, and your policy number.
Member
Receipt attached. My policy number is ELS-2026-0417.
Cam · AI assistant
That is everything. Your file is complete: this morning's clinic visit, the receipt, and your policy. It has gone to the claims team at our insurer. A person there makes the decision, not me, and a complete file is the fastest way to get one.
Member
That was easier than I expected.
Cam · AI assistant
Good. That is how it should feel. We will write to you the moment there is news.
A real answer in seconds.
The membership, in plain words
One membership
At launchOne membership that knows you, your trips, and your cover.
Cover for the days away
At launchTravel medical cover, priced for your exact trip by a licensed insurer.
Claims as a conversation
At launchYou tell Cam what happened, and a person at the insurer decides.
Community
AheadMember events in the cities you already know.
24/7 claims service, so your claim starts moving the moment it happens.
Cover for your health, your belongings, and your plans.
Keeping you and what you carry safe, wherever you go.
The days this is for
Most days abroad, nothing happens. We price for the other days.
Cover for the essentials, and a level up for the trips where more is riding on it.
What is covered
Honest squares, straight from the policy wording. Our assistants cite the clause behind every one.
Emergency medical care
Necessary emergency treatment when you fall ill or are injured during the trip.
Hospital stays
Hospital admission and medically necessary transport to the nearest suitable hospital.
Your laptop, phone and belongings
Personal effects, including electronics, covered against loss, theft, and damage.
Trip cancellation
Non-recoverable prepaid costs refunded when serious illness, family emergency, or civic duty stops the trip.
Plus cover
Travel delays
A set benefit for each full six hours your journey is delayed, on Plus cover.
24/7 AI-assisted claims
Claims intake at any hour, with the document checklist upfront. A person at the insurer decides.
Policy wording shown is illustrative until launch; the insurer's policy document is always the binding text.
Today and ahead
Real on day one, honest about the rest
Everything on this site belongs to one of two lists: what the product does at launch, and what we are building next. Nothing on the second list is live yet.
At launch
- Travel medical cover for trips abroad, as a policy from a licensed insurer.At launch
- Your exact price in about two minutes, held with your name on it.At launch
- Claims intake at any hour, with a person at the insurer deciding.At launch
- Service in English and Russian.At launch
Ahead
- Member events in the cities you live in.Ahead
- Partner perks for the tools of a life abroad.Ahead
- The Elsewhere Card.Ahead
- More destinations, longer stays.Ahead
Stay protected and connected
Join our in-person events in covered countries, to meet others in your space, connect and network. We do not only protect your health, wealth and assets, we give you a platform to meet other nomads where you are.
Lisbon
AheadNomad breakfast above the river
Bali
AheadCoworking evening in Canggu
Mexico City
AheadRooftop meetup in Roma Norte
Chiang Mai
AheadOld town coffee crawl
Our first events open with launch.
Why we exist
Built for a life between countries
We are building Elsewhere for people who live between countries, because we are those people. Insurance has always treated them as an edge case. We think they are the point.
So the machine does what machines do honestly: quoting, paperwork, claims intake at three in the morning. People keep what must stay human: the licence, the risk, and every decision that touches your money.
The model
Why this is different
No named competitors. This is the pattern we kept meeting, and what we built instead.
ElsewhereA typical pattern
The price
Elsewhere
Priced from the insurer's rate book in force on your travel dates. Same inputs, same premium, every time.
A typical pattern
Prices that often move with when and where you buy.
The questions
Elsewhere
Ask anything, any hour, and a real answer in seconds.
A typical pattern
Office hours, a queue, and a script.
The claim
Elsewhere
A conversation that builds a complete file; a person at the insurer decides.
A typical pattern
Forms and a wait, with silence in between.
The relationship
Elsewhere
A membership that carries on between trips.
A typical pattern
A policy that ends when the trip does.
Operations
The team that never sleeps
Elsewhere's day to day is run by four AI assistants. Each has a narrow job, a fixed set of tools, and people above it with the final word.
Ellie
AI assistantA sample exchange
Am I covered for a year away?
Up to 365 days at a time. Tell me your dates and I will read your exact price from the rate book.
Quotes and cover questions
Finds your price by calling the rating engine and explains the cover, citing the exact clause it comes from.
Your price is locked to the insurer's official rates. Nobody, human or AI, can quote you a different one.
Sam
AI assistantA sample exchange
How do I cancel my policy?
I prepare the cancellation and show you exactly what changes. Nothing happens until you confirm.
Your policy, after you buy
Looks up your policy, explains what it means, and prepares changes such as cancellation, always with your confirmation first.
Policy terms are policy terms. Anything unusual goes straight to a person who can actually decide.
Cam
AI assistantA sample exchange
I need to make a claim.
Let us start with the documents your claim needs, so your file reaches the insurer complete.
Claims, from first notice
Takes first notice of your claim, tells you exactly which documents are needed, and files a complete record for the insurer.
Every claim is decided by the licensed insurer. Cam makes sure your file reaches them complete, so it is decided fast.
Vera
AI assistantA sample exchange
Do I need insurance for a Schengen visa?
For a short-stay Schengen visa, yes: at least EUR 30,000 of medical cover. The embassy is the authority; I will show you the official source.
Visa and entry information
Shares what the official sources say about visas and entry for covered destinations, including where insurance is a formal visa requirement.
Vera shares official information, never personal advice. Your case belongs with the embassy or a registered adviser.
FAQs
Ask us anything
Ellie and Sam answer in seconds, at any hour, and say so when something is not theirs to answer.