Top 10 Digital Nomad Travel Insurance Plans
If you’re living and working on the road, digital nomad travel insurance isn’t optional. It’s what saves you from a medical bill you can’t pay or from losing thousands when plans change.
I’ve been a digital nomad for years, and I’ve learned the hard way that not all insurance is created equal.
The first time I had to fly home unexpectedly, my plan didn’t cover my trip because I was gone longer than their policy allowed. I lost $3,000 on nonrefundable flights and accommodations.
I don’t want that happening to you. That’s why I’ve broken down the best digital nomad insurance plans, who they work best for, and what to look out for.
Just want the bottom line?
My number one favorite travel insurance is SafetyWing. They have comprehensive coverage and consistently high ratings.
My Top 3 Picks: Digital Nomad Travel Insurance
#1 TOP PICK
#2 PICK
#3 PICK
What is Digital Nomad Travel Insurance?
Travel insurance for nomads sits on a spectrum.
- Travel medical covers unexpected illness and injuries on a trip. Often adds evacuation, trip interruption, and baggage.
- International health insurance looks like expat health coverage. It can include routine care, mental health, and ongoing treatment.
- Annual multi-trip plans cover many short trips per year. They often cap each trip length, which is where nomads get tripped up.
Most problems happen when you buy an annual “multi-trip” policy, then stay out longer than the trip limit.
That was my mistake. My trip exceeded the plan’s per-trip cap and my claim was denied. Learn from me and match the plan to how you actually travel.
What Should I Look For in Digital Nomad Insurance?
Use this checklist before you buy.
- Proof letters for visas and entry rules when needed
- Worldwide coverage with the option to include or exclude the United States
- Clear trip length limits if it’s an annual plan
- Emergency medical and medical evacuation with high limits
- Ability to buy while abroad and extend easily
- Pre-existing conditions rules and any waiver windows
- Adventure sports coverage if you dive, surf, climb, or ski
- Electronics protection or add-ons for laptops and cameras
- Simple claims process and real 24/7 assistance
Top 10 Digital Nomad Travel Insurance Plans
Let’s jump into the best travel plans for digital nomads. One of these will surely meet all your needs. Many of them also include health insurance for nomads.
1. SafetyWing Nomad Insurance
Overview of SafetyWing
SafetyWing is designed specifically for digital nomads and remote workers. Their plans are flexible, affordable, and easy to extend or cancel.
They offer two tiers: Essential (basic travel medical plus trip protections) and Complete (a full health plan that also covers routine care, mental health, and preventive care). You can buy coverage while already abroad and pay monthly.
Who it’s best for:
Nomads who want a simple plan they can keep active month to month without worrying about trip limits. Great if you’re moving between countries for long stretches.
Pros
- Month-to-month billing, cancel anytime
- Coverage in 180+ countries
- Includes evacuation, trip interruption, and baggage
- Kids under 10 covered free with paying adults
- You can buy or extend while abroad
- Option to add electronics theft protection and adventure sports (on some tiers)
Cons
- Claims can take a while to process
- Pre-existing conditions excluded on Essential
- Some adventure sports excluded without add-ons
- Coverage caps ($250,000 on Essential) may not be enough for everyone
2. Visitors Coverage
Overview of Visitors Coverage
VisitorsCoverage is not an insurance company but a marketplace that lets you compare dozens of travel and health insurance plans in one place.
It’s especially useful if you want to see side-by-side options for different types of travelers, from short-term tourists to expats and immigrants.
Who it’s best for:
Travelers who want to shop around quickly and don’t want to spend hours digging through individual provider websites.
Also great for niche coverage like Schengen visa insurance or US visitors.
Pros
- Huge selection of plans and insurers
- User-friendly website and quote process
- COVID-19 coverage included in many plans
- Hands-on customer support to help with claims
- Specialized plans (immigrants, expats, Schengen, students)
Cons
- You file claims directly with the insurer, not VisitorsCoverage
- Claim processing times vary depending on the provider
3. AIG Travel Guard
Overview of AIG Travel Guard
AIG’s Travel Guard is one of the biggest names in travel insurance. They offer several tiers, from Essential to Deluxe, plus an annual multi-trip option for frequent travelers.
Coverage includes trip cancellations, baggage loss, medical emergencies, and evacuation.
Who it’s best for:
Frequent travelers or business travelers who want a large, established company with flexible tiers and an annual option.
Pros
- Multiple tiers to match your budget
- Annual plan available for frequent travelers
- Covers trip cancellation, baggage, and medical
- 24/7 emergency assistance
- Clear epidemic coverage guidance
Cons
- Annual plans usually cap each trip at 90 days
- Higher tiers can be pricey
- Some exclusions (acts of war, drug/alcohol use)
4. Travelex Insurance Services
Overview of Travelex
ravelex offers customizable travel insurance with three main tiers: Basic, Select, and Flight Insure. You can add upgrades like adventure sports coverage, higher medical limits, or cancel-for-any-reason protection.
Who it’s best for:
Families and travelers who like flexibility and want to build a plan that covers exactly what they need.
Pros
- Multiple plan tiers with upgrades available
- COVID-19 coverage included
- Pre-existing condition waiver available if purchased early
- 24/7 assistance and concierge services
- High claim approval rate
Cons
- Add-ons can raise costs quickly
- More expensive than SafetyWing for long-term nomads
- Coverage details vary by state
5. IMG Global
Overview of IMG Global
IMG offers a wide range of plans, from Patriot travel medical (medical-only coverage abroad) to iTravelInsured (full trip protection).
They also have options for expats, employers, and even marine workers. Their plans are popular with adventurous travelers since they cover many activities.
Who it’s best for:
Nomads who want lots of plan choices or who participate in high-risk activities like skiing, diving, or climbing.
Pros
- Many plan options to fit different needs
- High evacuation limits
- Adventure sports coverage on select plans
- 24/7 assistance and strong customer service
- Can extend coverage easily
Cons
- Some plans secondary to home-country insurance
- Direct billing not always available (may pay upfront)
- Waiting period for baggage/trip cancellation claims
6. Allianz Global Assistance
Overview of Allianz
Allianz is one of the most well-known names in travel insurance. Their OneTrip plans are for single trips, while their AllTrips plans cover multiple trips annually.
They also include an Epidemic Coverage Endorsement on many policies, which can cover COVID-related events.
Who it’s best for:
Frequent travelers who take several trips a year. Families who want a straightforward, well-known provider.
Pros
- Annual AllTrips plans available
- Epidemic coverage endorsement included
- Strong reputation and 24/7 assistance
- Pre-existing condition coverage available on some plans
Cons
- Less customizable than some competitors
- Annual plans cap per-trip length
- Higher cost compared to nomad-first insurers
7. World Nomads Travel Insurance
Overview of World Nomads Insurance
World Nomads has been a favorite among travelers for years. They’re known for covering a huge range of adventure activities and for letting you buy or extend coverage while abroad.
They offer two tiers: Standard and Explorer.
Who it’s best for:
Adventure travelers who dive, surf, hike, or climb and need coverage that won’t exclude their activities.
Pros
- Covers 200+ adventure activities
- Buy or extend while already abroad
- 24/7 multilingual emergency assistance
- Online claims and account management
- Travel safety resources included
Cons
- Coverage and pricing vary by country of residence
- Not every activity is covered—check the list
- Pricier than SafetyWing for basic nomad needs
8. Insured Nomads
Overview of Insured Nomads
Built by nomads for nomads, Insured Nomads combines travel insurance with modern features like telemedicine, crisis alerts, and app-based support.
They offer both short-term travel insurance and full health plans.
Who it’s best for:
Remote workers who want app-first support, instant help, and strong healthcare networks worldwide.
Pros
- Telemedicine included
- Crisis response and safety alerts
- Global healthcare network access
- Add-on for adventure sports
- Comprehensive health plans available
Cons
- Pricier than most other options
- Minimum one-year term for some plans
- Pre-existing conditions not always covered
9. AARDY Travel Insurance
Overview of AARDY Travel Insurance
AARDY is a comparison platform that shows you quotes from major insurers.
Think of it as a one-stop shop to compare prices and benefits without jumping between sites. They have US-based phone and chat support.
Who it’s best for:
Travelers who want human help while comparing multiple providers quickly.
Pros
- Easy-to-use comparison tool
- Quotes from multiple carriers in one place
- Strong customer service reputation
- Phone, email, and chat support
- Helpful educational resources
Cons
- Limited to their partner insurers
- Claims handled by the insurer, not AARDY
- Website doesn’t work well on all browsers
10. Integra Global
Overview of Integra Global
Integra Global focuses on international health insurance, not trip insurance.
Their plans cover medical needs like chronic conditions, mental health, and preventive care. They don’t include trip cancellation or baggage.
Who it’s best for:
Long-term nomads or expats who want comprehensive health coverage instead of just emergency medical insurance.
Pros
- Covers routine care, mental health, and chronic conditions
- Freedom to choose any licensed provider
- COVID-19 coverage included
- Flexible deductible options
- Good for families on the road long-term
Cons
Higher cost since it’s more like a health plan
No trip cancellation or baggage coverage
Long-term commitment (minimum one year)
Pay upfront, then get reimbursed
Frequently Asked Questions: Digital Nomad Travel Insurance
Do Digital Nomads Need Travel Insurance?
Yes. Travel insurance is strongly recommended for digital nomads. Life on the road comes with extra risks, from unexpected medical issues to trip cancellations or stolen gear. Having the right policy means you’re not left paying out of pocket when things go wrong.
Do digital nomads need health insurance?
Yes. Regular travel insurance is designed for short trips and usually only covers emergencies. If you’re living abroad long-term, you’ll want digital nomad health insurance or international health insurance that includes routine care, check-ups, and ongoing treatment.
What Does Digital Nomad Travel Insurance Cover?
Digital Nomad Travel Insurance typically covers emergency medical expenses, trip cancellations, and baggage loss. Some plans also offer coverage for pre-existing conditions, emergency evacuation, and equipment protection.
Will airlines compensate me for lost or delayed luggage?
Airlines may offer compensation for lost or delayed luggage, but the amount and conditions vary by carrier and are often limited.
Is travel insurance worth it for international travel?
Travel insurance is crucial for international travel. It covers unexpected medical emergencies, trip cancellations, and baggage loss, saving you from hefty out-of-pocket expenses.
Does travel insurance cover pre-existing conditions?
This varies by policy. Some digital nomad travel insurance plans do cover pre-existing conditions, but there may be limitations or waiting periods. Always read the fine print and ask questions before purchasing.
What is emergency assistance?
Emergency assistance is a service provided by the insurance company that offers 24/7 support for emergencies. This could be anything from medical emergencies to legal troubles.
How does emergency medical insurance differ from regular health insurance?
Emergency medical insurance specifically covers unforeseen medical emergencies during your travels, such as accidents or sudden illnesses. Regular health insurance may not cover you outside your home country or for travel-related incidents.
What is emergency medical evacuation coverage?
This covers the cost of transporting you to the nearest medical facility in case of a medical emergency.
Final Thoughts: Digital Nomad Travel Insurance
The “best” plan really depends on how you travel. If you’re slow traveling and living abroad long-term, look at SafetyWing Complete or Integra Global.
If you’re bouncing between trips but returning home often, Allianz or AIG’s annual plans may work better.
If you want to compare a bunch at once, use VisitorsCoverage or AARDY.
After trying a few different travel insurance providers, my top pick is SafetyWing. They’ve consistently received high ratings and offer a variety of plans that cater to the unique needs of digital nomads.
For me, the flexibility to buy while abroad, pay monthly, and extend coverage without hassle makes it a good choice.
Whatever you choose, read the fine print carefully. Make sure your trip length, activities, and home-country rules fit your lifestyle.
The right policy won’t just save you money. It will save you when things go sideways.
Ladies, join my free, private Facebook group, Women Over 50 Digital Nomads. It’s a safe place to connect, learn, and thrive as a digital nomad. You don’t need to be over 50 but you do need to be a woman.
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