Over the years, we’ve had to decide on travel insurance for digital nomads. Travel health insurance is essential because we never know what unexpected situations may arise abroad. Nothing would ruin our adventures more than exorbitant medical bills we couldn’t afford to pay off.
Some companies offer comprehensive coverage, including cancellation, trip interruption, lost baggage, and stolen documents.
As digital nomads, such extensive protection can provide a sense of security, knowing that we’re prepared for unforeseen circumstances. Moreover, many digital nomad visas require proof of travel medical insurance, making these additional coverages even more essential.
Disclaimer: We can’t decide for you, but we can empower you with the information you need to make an informed choice. Conditions of insurance plans can change, so for the most accurate details, we recommend visiting the insurance provider’s official websites, which we provide for your convenience.
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What We Look for in Travel Insurance for Digital Nomads
When choosing a travel medical plan, we consider whether it suits our travel style. First, we think of the activities we plan on doing abroad. Not all insurance plans have a sports rider, especially for extreme sports.
We check which recreational activities are covered precisely and whether they can add a rider for any desired activities they don’t automatically include.
Secondly, suppose we’re applying for a digital nomad visa. In that case, we likely need to provide a copy of travel medical insurance with our application. However, some countries permit digital nomads to join their national healthcare plan once they approve their visas.
In that case, having a flexible insurance policy that allows cancellation anytime may be best. Here are the other criteria to check with travel insurance for digital nomads:
- If they include your country of origin, excluded countries, and if you need an active healthcare plan in your home country (and if this affects your coverage)
- Age coverage and if there’s family coverage
- Price range and if prices vary where you travel
- Look at policy duration and if there are any waiting periods for policies to kick in and cancellation policies
- Payment options (e.g., monthly, yearly, prepayment, etc.) and tiers
- Renewal options (you can usually begin a new one after the old one expires)
- Whether you can buy it abroad
- If it covers pre-existing medical conditions
- See if there are maximum limits for services, deductibles, or premiums. Also, see if it covers emergency medical care, in-patient and out-patient medical care (including operations), medications, evacuation, repatriation, and repatriation of remains.
- If there’s trip cancellation, interruption, delays, lost luggage, document or electronic theft coverage
- Their reputation and customer service (e.g., 24/7 support)
7 Travel Insurance for Digital Nomads
Ready to find the perfect travel insurance for digital nomads for your specific situation? We’ve curated a list of our seven plans, each with unique benefits. It’s not an exhaustive list, and their prices may be in euros (€) or US dollars ($), depending on the company’s location.
There are budget-friendly options and ones with coverage for pre-existing health conditions. Do you need travel or health insurance for your digital nomad visa? We’ve listed the best variety of options for you to research. Click the links for more in-depth information.
The information here is only a general summation and does not recommend purchasing insurance. Coverage, including benefit limits, depends on a person’s country of residence and is subject to conditions, exclusions, limitations, and terms. Ensure that you look carefully at policy wording.
1. Genki
We currently use this travel health insurance because it fits our budget and meets our current needs. They recently unveiled two new options for long-term (Native) and short-term (Explorer) travelers, listed below.
| Company: | Genki |
| Information Pages: | Genki Explorer and Genki Native |
| Sign Up Pages: | Genki Explorer and Genki Native |
2. Foyer Global Health
A travel health insurance for digital nomads to consider if you have pre-existing conditions.
| Company: | Foyer Global Health – Foyer Group |
| Insurance Policy: | Expatriate Health Insurance |
3. SafetyWing
A travel health insurance for digital nomads that we first started with.
| Company: | SafetyWing |
| Insurance Policy: | Nomad Insurance |
4. World Nomads
Designed by travelers, for travelers, World Nomads covers more than 150 adventure sports and activities so you can explore your boundaries.
| Company: | World Nomads |
| Insurance Policy: | Standard Plan or Explorer Plan |
We receive a fee when you use this link to get a quote from World Nomads. We do not represent World Nomads. This is not a recommendation for buying travel insurance.
5. Passport Card
Travel insurance for digital nomads with options for families staying in one place longer.
| Company: | Passport Card |
| Insurance Policy: | Expatriate Health Insurance |
6. WorldTrips
A no-fuss, basic travel health insurance for digital nomads going on short trips to consider.
| Company: | WorldTrips |
| Insurance Policy: | Atlas Nomads or Atlas Travel Insurance |
A historically well-known provider of travel health insurance for digital nomads.
| Company: | IMG |
| Insurance Policy: | Global Medical Insurance |
Best Travel Insurance for Digital Nomads Summary
Travel insurance for digital nomads depends on your budget and circumstances. We encourage you to explore each insurance provider carefully to see which one suits your needs best:
- Genki health insurance for digital nomads
- Foyer Global Health (international health insurance for expatriates)
- SafetyWing insurance for nomads and remote workers
- World Nomads Travel Insurance
- Passport Card
- WorldTrip’s Atlas Nomads or Atlas Travel insurance
- IMG International Health Insurance
There is much more insurance for digital nomads, but we found these to be the most viable options.
Insurance for Digital Nomads FAQs
These are the most frequently asked questions about travel insurance for digital nomads.
Do digital nomads need travel insurance?
For digital nomads, travel insurance provides invaluable peace of mind. It’s a safety net against unexpected medical emergencies, trip disruptions, and the loss or theft of gear while working abroad.
What is the best health insurance for digital nomads?
International health insurance plans like those offered by Genki, SafetyWing, or World Nomads are popular among digital nomads for their global coverage and flexibility. They empower you to take control of your health while on the move.
What is nomad travel insurance?
Nomad travel insurance is a specialized form of coverage tailored to the needs of long-term travelers and remote workers. It typically includes health insurance, travel protection, and, in some cases, coverage for work equipment, providing comprehensive protection for those living and working on the go.
