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The Finest Journey Insurance coverage for Digital Nomads (Up to date 2023)


Nomadic Matt working at a laptop as a digital nomad
Posted: 8/31/2023 | August thirty first, 2023

Even earlier than the COVID-19 pandemic, increasingly individuals have been transitioning to distant work. Digital nomads have been turning into more and more widespread as individuals give up the cubicle to work from wherever they felt like working from.

As we speak, post-COVID, a fair higher quantity individuals are working remotely. Research present that employees are happier whilst productiveness has stayed the identical — if not elevated. Quite a few nations now provide visas solely for digital nomads too.

I’ve written about discovering the very best journey insurance coverage a ton through the years. However journey insurance coverage for digital nomads and distant employees is a unique factor. Journey insurance coverage is for journey emergencies with the concept that if one thing actually unhealthy occurs, you’ll go house and deal with it. In spite of everything, journey has a begin and finish date.

However, if you find yourself roaming the world with out an finish date and wish prescriptions and common test ups, common journey insurance coverage gained’t actually do.

Should you’re contemplating the transition to working remotely overseas or turning into a digital nomad, it’s necessary to know your choices.


What to Search for in Journey Insurance coverage for Digital Nomads

Digital nomads want to ensure their journey insurance policy doesn’t simply cowl emergencies. They want plans that additionally embody routine medical protection.

First, I’d make sure that your coverage has a minimum of $100,000 USD in medical protection. Excessive protection limits are necessary as a result of in the event you get sick, injured, or want severe consideration and have to hunt skilled care, you wish to make sure that your excessive hospital payments are lined. The worst factor you are able to do is go low cost and get a coverage with a $50,000 USD protection restrict and burn via it in an emergency, leaving you to doubtlessly foot a invoice within the tens of hundreds of {dollars}.

Second, you wish to make sure that your journey insurance coverage coverage additionally covers emergency evacuation (separate out of your medical protection). If a pure catastrophe happens or in the event you fall and break a leg climbing in a distant space and it’s good to be evacuated some other place, your plan ought to cowl that as effectively, a minimum of as much as $300,000 USD (emergency evacuations are costly!).

Moreover, listed here are a number of different normal provisions a superb journey insurance coverage coverage may have protection for:

  • COVID-19 (and protection for pandemics on the whole)
  • Misplaced, broken, or stolen possessions (together with some protection on your electronics)
  • Cancellations (inns, flights, excursions, and so on.)
  • Unintentional loss of life or dismemberment
  • Political emergencies and pure disasters
  • Monetary safety if any firm you might be utilizing goes bankrupt
  • 24/7 help (you don’t wish to be advised to name again later throughout an emergency)

A complete coverage will cowl all of those and extra — these are simply a few of the most necessary issues to maintain an eye fixed out for when evaluating a coverage.

On high of emergency protection for the above, you’ll additionally need protection for extra normal medical conditions. These embody, however are usually not restricted to:

  • Routine dental and imaginative and prescient care
  • Physician check-ups
  • Prescription medicine
  • Psychological well being assist
  • Screenings and vaccinations
  • Maternity care

These parts are usually not lined by normal journey insurance coverage as a result of normal insurance coverage is just for emergencies. So, by shopping for a plan that covers emergencies as effectively as routine care you’ll have the ability to journey the world with confidence realizing that each one your medical wants will likely be taken care of it doesn’t matter what the highway throws your manner.

Simply needless to say these long-term plans with non-emergency protection are going to be costlier than normal journey insurance coverage as a result of they embody far more than simply fundamental emergency assist.


The three Finest Insurance coverage Corporations for Digital Nomads

1. SafetyWing – Nomad Well beingSafety Wing insurance logo
Whereas SafetyWing is understood for its inexpensive journey insurance policy (the essential plan is simply $42 USD per 30 days), it additionally has a complete medical health insurance plan for distant employees and digital nomads known as Nomad Well being.

Nomad Heath is a totally geared up medical health insurance coverage designed particularly for distant employees and nomads. Should you spend most — or all — of your time overseas, this can be a good plan for you.

Right here’s a have a look at Nomad Well being and what it consists of:

  • As much as $1,500,000 USD in annual protection
  • Emergency evacuation protection as much as $100,000 USD
  • Protection for eye exams and glasses
  • Protection for rehabilitation and specialised remedies
  • Protection for screenings and vaccines
  • Routine dental protection
  • Most cancers and surgical procedure protection
  • Organ tranplants
  • Psychiatric remedies
  • Full protection in your house nation

Should you’re 18-39, a Customary Nomad Well being plan prices round $123 USD per 30 days. For a Premium Plan, that very same traveler pays $238 USD per 30 days. In contrast to the corporate’s normal journey insurance coverage, there isn’t any deductible for Nomad Well being.

To see how a lot a plan will price for you, click on right here to get a free quote.
2. IMG – World Medical Insurance coverageIMG insurance logo
IMG has a spread of plans for short-term vacationers, college students, expats, and enterprise vacationers. Its World Medical Insurance coverage coverage is particularly designed for long-term vacationers who will likely be out of their house nation for almost all of the 12 months. There are a number of choices for a deductible so you’ll be able to hold prices low, and likewise a number of tiers (Bronze, Silver, Gold, Platinum) so you will get the protection you want.

Right here’s a have a look at IMG’s World Medical Insurance coverage:

  • Protection from $1,000,000 to $8,000,000 USD
  • Prescription drug protection
  • Non-obligatory imaginative and prescient protection (included within the Platinum plan)
  • Non-emergency dental protection (included within the Platinum plan)
  • Some psychological well being protection
  • Maternity protection (within the Platinum plan solely)
  • Protection for some pre-existing situations

IMG has 4 tiers: Bronze, Silver, Gold, and Platinum. Their Gold and Platinum plans have the choice so as to add sports activities actions; their Platinum plan might be bolstered to incorporate terrorism incidents, if that’s a priority for you.

As all the time, costs fluctuate primarily based on location and age. For reference, nonetheless, a Bronze plan with a $250 deductible prices $180 USD per 30 days whereas a Platinum plan begins at $725 USD per 30 days. Should you pay yearly, there are vital reductions accessible.

Click on right here to get a quote.
3. Insured Nomads – World Well being Insurance coverageIMG insurance logo
Insured Nomads is among the newer journey insurance coverage firms on the block. Based in 2019, it gives each emergency journey insurance coverage in addition to a extra complete medical health insurance plans for long-term vacationers. Its World Well being Insurance coverage covers emergencies in addition to routine, preventive, and persistent care. It has plans for {couples} and households too, in addition to a number of tiers to present you much more complete choices.

Right here’s a have a look at what’s included with Insured Nomads:

  • Emergency and non-emergency medical care and consultations
  • Preventive screenings
  • Imaginative and prescient protection
  • Maternity care and assist
  • Substance abuse assist
  • Protection for vaccines, journey immunizations, and prescribed drugs
  • Telehealth consults
  • Psychological well being counseling

Like IMG, Insured Nomads provide quite a few deductible choices that will help you hold prices down. Whereas costs fluctuate, you’ll be able to count on to pay round $250-500 USD per 30 days for a complete coverage with out a deductible.

Click on right here to get a quote.

Regularly Requested Questions

A vanlifer's computer inside a van while parked out in nature
Listed here are a few of the most commons questions I get requested about journey insurance coverage for digital nomads:

Is journey insurance coverage obligatory?
For many vacationers in most locations, journey insurance coverage shouldn’t be obligatory. Nonetheless, many digital nomad/work/scholar visas do require some type of insurance coverage — as do many excursions and excursions.

In brief, journey insurance coverage typically isn’t obligatory — however it’s all the time a good suggestion to have because you by no means know what is going to occur on the highway.

Can’t I simply use common journey insurance coverage?
Should you simply need fundamental protection for emergencies, misplaced baggage, theft, and so on., then normal journey insurance coverage plans will give you the results you want. Nonetheless, on these plans you’ll solely have emergency protection. Meaning no protection for normal check-ups, fundamental dental care, prescriptions, and so on. But when that’s positive with you then normal insurance coverage can work!

What isn’t lined by journey insurance coverage?
Whereas these fluctuate by plan, typically you’ll be able to count on accidents sustained whereas intoxicated, excessive sports activities, reckless habits, misplaced or stolen money, and civil unrest to not be lined by most plans. Once more, all of it varies by coverage so ensure you learn the positive print!

Does journey insurance coverage cowl COVID-19?
Most journey insurance policy now present some protection for COVID-19 and different pandemics.

Am I lined if I go to my house nation?
Probably. Some plans present protection for short-term stays in your house nation whereas others don’t. All of it is dependent upon the coverage you get. Some firms have an upgradable choice so that you can go to your private home nation whereas others allow you to go to your private home nation however solely present protection in the event you’re not close to your precise house (i.e. in the event you’re from New York you might be lined in the event you go to California, however not in the event you discover close to your private home).

I’ve pre-existing situations. Am I lined?
That relies upon. Each coverage — and each medical situation — is completely different so I’d name your potential journey insurance coverage firms to ask them immediately. That is one of the simplest ways to get correct, up-to-date details about your particular state of affairs.


After virtually 15 years touring the world, I’ve realized the onerous option to by no means go away house with out journey insurance coverage. Whether or not for a fast weekend getaway or a multi-month journey, I all the time journey with journey insurance coverage. It supplies peace of thoughts, so I can journey and work with out having to suppose twice about being lined in an emergency.

As a digital nomad, you could have extra necessary issues to give attention to. Journey insurance coverage removes the fear, so you’ll be able to take pleasure in your travels, develop your corporation, and stay your greatest life on the highway.

E-book Your Journey: Logistical Ideas and Tips

E-book Your Flight
Discover a low cost flight by utilizing Skyscanner. It’s my favourite search engine as a result of it searches web sites and airways across the globe so that you all the time know no stone is being left unturned.

E-book Your Lodging
You may e book your hostel with Hostelworld. If you wish to keep someplace aside from a hostel, use because it persistently returns the most affordable charges for guesthouses and inns.

Don’t Overlook Journey Insurance coverage
Journey insurance coverage will shield you towards sickness, harm, theft, and cancellations. It’s complete safety in case something goes mistaken. I by no means go on a visit with out it as I’ve had to make use of it many instances previously. My favourite firms that supply the very best service and worth are:

Need to Journey for Free?
Journey bank cards assist you to earn factors that may be redeemed free of charge flights and lodging — all with none additional spending. Take a look at my information to selecting the correct card and my present favorites to get began and see the most recent greatest offers.

Able to E-book Your Journey?
Take a look at my useful resource web page for the very best firms to make use of whenever you journey. I checklist all those I exploit after I journey. They’re the very best at school and you’ll’t go mistaken utilizing them in your journey.


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