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 had been transitioning to distant work. Digital nomads had been changing into more and more widespread as individuals stop the cubicle to work from wherever they felt like working from.

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

I’ve written about discovering one of the best journey insurance coverage a ton through the years. However journey insurance coverage for digital nomads and distant staff is a distinct factor. Journey insurance coverage is for journey emergencies with the concept if one thing actually dangerous occurs, you’ll go residence and deal with it. In any case, journey has a begin and finish date.

However, when you’re roaming the world with out an finish date and want prescriptions and common examine ups, common journey insurance coverage gained’t actually do.

When you’re contemplating the transition to working remotely overseas or changing 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 verify their journey insurance policy doesn’t simply cowl emergencies. They want plans that additionally embody routine medical protection.

First, I’d be certain that your coverage has not less than $100,000 USD in medical protection. Excessive protection limits are necessary as a result of if you happen to get sick, injured, or want critical consideration and have to hunt skilled care, you need to be certain 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 need to be certain that your journey insurance coverage coverage additionally covers emergency evacuation (separate out of your medical protection). If a pure catastrophe happens or if you happen to fall and break a leg mountaineering in a distant space and it’s good to be evacuated someplace else, your plan ought to cowl that as effectively, not less than as much as $300,000 USD (emergency evacuations are costly!).

Moreover, listed below are a number of different customary provisions a very good journey insurance coverage coverage could have protection for:

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

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

On high of emergency protection for the above, you’ll additionally need protection for extra customary medical conditions. These embody, however aren’t restricted to:

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

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

Simply understand that these long-term plans with non-emergency protection are going to be costlier than customary journey insurance coverage as a result of they embody way 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 reasonably priced journey insurance policy (the fundamental plan is simply $42 USD per thirty days), it additionally has a complete medical insurance plan for distant staff and digital nomads referred to as Nomad Well being.

Nomad Heath is a totally geared up medical insurance coverage designed particularly for distant staff and nomads. When you spend most — or all — of your time overseas, it is 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 therapies
  • Protection for screenings and vaccines
  • Routine dental protection
  • Most cancers and surgical procedure protection
  • Organ tranplants
  • Psychiatric therapies
  • Full protection in your house nation

When 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. In contrast to the corporate’s customary 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 – International Medical Insurance coverageIMG insurance logo
IMG has a variety of plans for short-term vacationers, college students, expats, and enterprise vacationers. Its International Medical Insurance coverage coverage is particularly designed for long-term vacationers who will likely be out of their residence nation for almost all of the yr. There are a number of choices for a deductible so you’ll be able to hold prices low, and in addition a number of tiers (Bronze, Silver, Gold, Platinum) so you may get the protection you want.

Right here’s a have a look at IMG’s International 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 circumstances

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 will be bolstered to incorporate terrorism incidents, if that’s a priority for you.

As at all times, costs fluctuate primarily based on location and age. For reference, nonetheless, a Bronze plan with a $250 deductible prices $180 USD per thirty days whereas a Platinum plan begins at $725 USD per thirty days. When you pay yearly, there are important reductions out there.

Click on right here to get a quote.
3. Insured Nomads – International Well being Insurance coverageIMG insurance logo
Insured Nomads is likely one of 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 insurance plans for long-term vacationers. Its International Well being Insurance coverage covers emergencies in addition to routine, preventive, and power 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 pharmaceuticals
  • Telehealth consults
  • Psychological well being counseling

Like IMG, Insured Nomads provide quite a few deductible choices that can assist you hold prices down. Whereas costs fluctuate, you’ll be able to anticipate to pay round $250-500 USD per thirty days for a complete coverage with no 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 below are a number 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/pupil visas do require some type of insurance coverage — as do many excursions and excursions.

In brief, journey insurance coverage usually isn’t obligatory — however it’s at all times 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?
When you simply need fundamental protection for emergencies, misplaced baggage, theft, and so on., then normal journey insurance policy will be just right for you. Nonetheless, on these plans you’ll solely have emergency protection. Which means no protection for normal check-ups, fundamental dental care, prescriptions, and so on. But when that’s advantageous with you then customary insurance coverage can work!

What isn’t lined by journey insurance coverage?
Whereas these fluctuate by plan, usually you’ll be able to anticipate accidents sustained whereas intoxicated, excessive sports activities, reckless conduct, 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 advantageous 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 residence nation?
Probably. Some plans present protection for short-term stays in your house nation whereas others don’t. All of it depends upon the coverage you get. Some firms have an upgradable choice so that you can go to your house nation whereas others allow you to go to your house nation however solely present protection if you happen to’re not close to your precise residence (i.e. if you happen to’re from New York you might be lined if you happen to go to California, however not if you happen to discover close to your house).

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


After nearly 15 years touring the world, I’ve realized the laborious method to by no means depart residence with out journey insurance coverage. Whether or not for a fast weekend getaway or a multi-month journey, I at all times journey with journey insurance coverage. It supplies peace of thoughts, so I can journey and work with out having to assume twice about being lined in an emergency.

As a digital nomad, you will have extra necessary issues to deal with. Journey insurance coverage removes the fear, so you’ll be able to take pleasure in your travels, develop your online business, and stay your finest life on the highway.

Guide Your Journey: Logistical Ideas and Tips

Guide 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 at all times know no stone is being left unturned.

Guide Your Lodging
You may e book your hostel with Hostelworld. If you wish to keep someplace aside from a hostel, use because it constantly returns the most cost effective charges for guesthouses and resorts.

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

Need to Journey for Free?
Journey bank cards will let you earn factors that may be redeemed totally free 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 finest offers.

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



No responses yet

Leave a Reply

Your email address will not be published. Required fields are marked *