A woman hiking on a sunny day in the rugged mountains
Posted: 7/31/23 | July thirty first, 2023

Journey insurance coverage isn’t an thrilling matter to analysis. Once you’re planning a visit, the very last thing you wish to do is examine insurance policies about theft and accidents that may happen overseas.

However, as I’ve mentioned earlier than, when an emergency strikes, it’s higher to be protected than sorry.

Whether or not you’re touring for 2 weeks or two months, shopping for journey insurance coverage is a should.

However what occurs once you’re gone for 2 years, not simply two months?

In that case, you want extra than simply emergency protection. You want well being care. You want protection for routine and preventive check-ups and prescribed drugs, in addition to for damaged limbs and misplaced baggage.

Enter Nomad Well being.

Created by SafetyWing, Nomad Well being is world medical insurance protection for distant staff, expats, and nomads.

It’s each emergency journey insurance coverage and medical insurance coverage whilst you’re away. It’s tremendous inexpensive, making it a recreation changer for long-term vacationers, digital nomads, and people residing overseas.

Right here’s all the things you could find out about Nomad Well being to resolve if it’s best for you and your journey plans.

What’s Nomad Well being?

A screenshot from Nomad Health by SafetyWing insurance
Nomad Well being is insurance coverage for digital nomads, distant staff, and long-term vacationers. It’s a mixture of your customary emergency protection that each one journey insurance policy provide, together with “common” well being care protection, reminiscent of routine visits and preventive care.

It’s a reproduction of the type of medical insurance you may discover in your house nation, guaranteeing that you just’re taken care of it doesn’t matter what occurs.

At the moment, there are two tiers: Commonplace and Premium. The principle variations (as you’ll be able to see within the picture under) is that Premium provides higher protection: dental as much as $1,500 USD, imaginative and prescient as much as $500 USD, vaccines as much as $500 USD, and maternity prices as much as $7,500 USD.

A screenshot from Nomad Health by SafetyWing insurance

You’ll be able to study extra and examine the plans right here.

How is Nomad Well being Totally different from Common SafetyWing Protection?

A screenshot from Nomad Health by SafetyWing insurance
Journey insurance coverage ought to be considered “emergency insurance coverage.” Should you break a leg or lose a bag or get caught in a hurricane, journey insurance coverage might help.

Nomad Well being, nonetheless, covers each emergencies and common medical care. Which means you will get assist — and get reimbursed — for emergency and non-emergency occasions.

There are a couple of different variations to notice when evaluating Nomad Well being with SafetyWing’s customary journey insurance coverage (referred to as Nomad Insurance coverage):

  • Nomad Heath covers these as much as age 74 (vs. 69 for Nomad Insurance coverage)
  • There isn’t a deductible with Nomad Well being (it’s $250 USD with Nomad Insurance coverage)
  • Claims are dealt with in 10 days (as a substitute of 45 with Nomad Insurance coverage)
  • Protection for one’s residence nation is included (that prices additional with Nomad Insurance coverage)

One other vital distinction is that, not like for normal journey insurance coverage, Nomad Well being candidates should be authorised. You’ll be able to’t simply purchase a plan and be in your merry means, because the insurance coverage group must overview your utility, together with any medical historical past and/or pre-existing circumstances. They might additionally request extra medical notes or paperwork.

Moreover, pre-existing circumstances might not be lined, and there are some candidates that will not be capable to be lined. (Pre-existing circumstances are hardly ever lined below common journey insurance coverage.)

I don’t love that some persons are prone to be screened out, however I perceive it given the price of well being care around the globe. I think, since this was simply rolled out, that as issues progress and the pool of candidates will increase and the corporate sees how this works, they may open it as much as an increasing number of folks.

Who’s Nomad Well being For?

Should you’re heading out on a visit for a couple of weeks or a couple of months, Nomad Well being isn’t for you. Common journey insurance coverage (like SafetyWing’s Nomad Insurance coverage) will greater than suffice.

However if you happen to’re going to be away for a 12 months or extra and wish to be sure you have appropriate well being protection for each accidents and routine care, then Nomad Well being is for you.

In brief, if you happen to’re a digital nomad, expat, or long-term traveler, that is the plan I’d advocate for you. Right here’s a have a look at what is roofed:

A screenshot from Nomad Health by SafetyWing insurance

A very powerful quantity right here is that $1,500,000 USD. Vacationers utilizing Nomad Well being get $1.5 million in protection every year, which is greater than sufficient for just about something. Most traditional journey insurance policy cowl only a couple hundred thousand {dollars}, in order that $1.5 million casts a large security web and goes a good distance to make sure you’re lined it doesn’t matter what occurs.

How A lot is Nomad Well being?

Should you’re 18-39, a Commonplace Nomad Well being plan prices round $123 USD per thirty days. For a Premium Plan, that very same traveler pays $238 USD per thirty days.

Costs go up per age group (identical to with any insurance coverage), so the very best month-to-month payment is for vacationers aged 60-74, which prices $537 USD per thirty days for the Commonplace Plan. Once more, whereas that looks like loads, it’s less expensive than most different choices on the market — and less expensive than paying out of pocket.

To see how a lot a plan will value for you, click on right here to get a free quote.


After I began backpacking, journey insurance coverage choices had been restricted. And costly. Happily, we have now much more choices as of late — with loads higher protection. If I used to be beginning out once more, heading off on one other 18-month journey around the globe, Nomad Well being is precisely the type of plan I’d get. It covers the fundamentals in addition to emergencies, and can be tremendous inexpensive.

I do know insurance coverage looks like an pointless added value, however I’ve discovered the onerous means — a number of instances — that it’s an expense value paying for.

Don’t be low cost together with your well being. Keep lined and keep protected. You gained’t remorse it.

E book Your Journey: Logistical Ideas and Methods

E book Your Flight
Discover a low cost flight through the use of 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’ll be able to e book your hostel with Hostelworld. If you wish to keep someplace aside from a hostel, use Reserving.com because it persistently returns the most affordable charges for guesthouses and lodges.

Don’t Neglect Journey Insurance coverage
Journey insurance coverage is one factor you WILL wish to purchase. It’s there if you happen to get sick, robbed, delayed, or a visit cancelled. I by no means go on a visit with out it since you by no means know what may occur. Don’t skip it. I’ve seen too many vacationers remorse doing so. My favourite firms are:

Need to Journey for Free?
Journey bank cards assist you to earn factors that may be redeemed at no cost flights and lodging — all with none additional spending. Take a look at my information to selecting the correct card to get began. For US residents, right here’s how one can get factors on hire too.

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



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