9 Best Travel Insurance Plans for Digital Nomads
- SafetyWing: Affordable subscription ($56.28/4 weeks), $250,000 medical coverage, 24/7 support. Best for budget-conscious long-term travelers.
- Genki: Starting at €48.30/month, broad worldwide medical coverage, 24/7 multilingual support. Ideal for reliable healthcare access.
- Heymondo: $162/3 months, up to $10M medical coverage, device protection. Great for those with expensive gear and high medical needs.
- Insured Nomads: Flexible plans, adventure sports covered, remote work perks. Perfect for digital nomads with dynamic schedules.
- IMG Global: From $1.35/day, customizable plans with $1M+ coverage. Suitable for frequent travelers with flexible needs.
- Generali Global Assistance: Multi-trip options, 24/7 support, adventure add-ons. Best for family travelers or extended trips.
- Allianz Travel: Starting at $26/trip, TravelSmart app, strong global support. Good for business travelers needing tech tools.
- World Nomads: From $40/month, adventure activities, gear protection. Ideal for active nomads who love outdoor activities.
- C&F Travel Insured: Up to $10M medical coverage, trip cancellation, monthly renewals. Best for extended stays and multi-country trips.
Quick Comparison
| Provider | Monthly Cost | Medical Coverage | Key Features | Best For |
|---|---|---|---|---|
| SafetyWing | $56.28/4 weeks | $250,000 | 24/7 support, COVID-19, budget-friendly | Long-term budget travelers |
| Genki | €48.30/month | €1M | Multilingual support, emergency care | Reliable healthcare access |
| Heymondo | $162/3 months | $10M | Device protection, flexible plans | High coverage needs |
| Insured Nomads | Varies by location | $500,000 | Adventure sports, remote work perks | Dynamic schedules |
| IMG Global | From $1.35/day | $1M+ | Customizable, renewable plans | Frequent travelers |
| Generali Global | Varies by duration | $1M | Family plans, adventure add-ons | Family and extended trips |
| Allianz Travel | From $26/trip | $500,000 | TravelSmart app, digital claims | Business travelers |
| World Nomads | From $40/month | $100,000 | Adventure activities, gear protection | Active, outdoor enthusiasts |
| C&F Travel Insured | Varies by coverage | $10M | Trip cancellation, monthly renewal | Extended stays |
Choosing the right plan depends on your travel style, budget, and coverage needs. For affordability, SafetyWing is a strong pick. For extensive medical and device protection, consider Heymondo or World Nomads. If flexibility is key, Insured Nomads and IMG Global are worth exploring.
Nomad Insurances Review – Comparing Top Digital Nomad Insurance Providers
1. SafetyWing
SafetyWing is designed with digital nomads in mind, offering a low-cost subscription starting at $56.28 for four weeks. It provides medical coverage for hospital stays, emergency dental care, COVID-19-related expenses, and is valid in over 180 countries [1][2].
One of its standout features is the ability to buy coverage while already abroad. With automatic monthly renewals, it’s perfect for nomads whose plans often change. The plan comes with perks tailored for digital nomads, such as 24/7 customer support, quick claims processing, stolen passport protection, pet ticket return, and $25,000 in third-party liability coverage [2][3].
For an extra $10 per month, you can opt for a $0 deductible, adding more peace of mind [3]. While its $250,000 medical coverage cap is lower than some competitors, its affordability and ease of use make it a strong option for those on a budget.
Key Limitations:
- Lower medical coverage compared to options like Heymondo
- No trip cancellation coverage included in the basic plan
- Additional fees required for coverage of some extreme sports [3]
Although SafetyWing is a great choice for affordability and ease, providers like Genki may offer other benefits worth considering for digital nomads.
2. Genki
Genki provides travel insurance tailored for digital nomads, starting at €48.30 per month. It offers broad medical coverage worldwide, making it a solid choice for those who need reliable healthcare access while traveling across different time zones [1].
The World Explorer policy covers key medical needs like emergency treatments and hospital stays [1]. A standout feature is its 24/7 multilingual support, designed to assist travelers no matter where they are.
Genki’s subscription model adds convenience by eliminating the hassle of frequent renewals, making it perfect for travelers with unpredictable schedules [1].
Highlights of Genki
- Starting Price: €48.30/month
- Medical Coverage: Emergency treatment, hospitalization
- COVID-19 Coverage: Included
- Support: 24/7 multilingual assistance
- Policy Type: Flexible subscription
Although Genki’s monthly premium is slightly higher than budget options like SafetyWing, it offers more extensive medical benefits and a robust support system [1][4].
Pros
- Broad worldwide medical coverage, including COVID-19
- Around-the-clock multilingual support
- Specifically designed for long-term travelers
Cons
- Higher monthly cost compared to budget-friendly plans
- Limited coverage for extreme sports
For digital nomads focused on comprehensive medical coverage and reliable support, Genki is a strong contender. However, if you need more extensive coverage for adventurous activities, Heymondo could be worth exploring.
3. Heymondo
Heymondo’s Long Stay plan is designed for digital nomads, offering medical coverage up to $10 million – one of the highest limits available. Prices start at $162 for 3 months, making it a solid option for extended trips without a set end date [1]. Its electronic equipment coverage stands out, catering to remote workers who rely heavily on their devices [3].
Key Features of Heymondo
- Starting Price: $162 for 3 months (Long Stay plan)
- Medical Coverage: Up to $10 million
- COVID-19 Coverage: Included
- Support: 24/7 emergency assistance with a medical chat feature
- Electronic Items: Optional coverage available
One standout aspect is the flexibility to purchase or extend coverage while already traveling [3]. The 24/7 emergency assistance, complete with a medical chat, ensures quick access to healthcare advice no matter where you are.
Advantages
- Generous medical coverage limits
- Optional protection for electronic devices
- Flexible options for purchasing or extending coverage abroad
- Reliable emergency support system
Drawbacks
- Higher upfront cost compared to monthly plans
- Multi-trip plan restricts trips to 60 days each
- More expensive than basic coverage alternatives
Heymondo is a strong choice for digital nomads who need extensive medical coverage and device protection. While its pricing is on the higher side, the added flexibility and features make it a dependable option. For those looking for additional perks tailored to remote work, Insured Nomads might also be worth considering.
4. Insured Nomads
Insured Nomads provides a subscription-based insurance model designed specifically for the dynamic lifestyle of digital nomads. Their plans combine extensive medical protection with features that cater to the needs of remote workers.
Key Features
- Medical Coverage: Includes emergency medical care and hospitalization.
- Flexible Subscription: Start, pause, or cancel coverage as travel plans change.
- Adventure Activities: Covers a range of adventure sports.
- COVID-19 Protection: Includes expenses related to coronavirus.
- Digital Support: Multilingual online claims system with instant chat assistance across multiple time zones [1].
Created by seasoned travelers, Insured Nomads offers plans that don’t require fixed itineraries, making them a great fit for professionals who frequently move between locations [2]. Their plans also allow users to pause coverage during breaks from travel, adding extra convenience [3].
Advantages
- Flexible plans that adapt to changing travel schedules.
- Broad medical coverage, including adventure sports.
- Designed by travelers who understand the unique needs of digital nomads.
- Easy-to-use online claims system.
- Option to pause coverage between trips.
Drawbacks
- Costs and coverage depend heavily on factors like age, destination, and trip length.
- Some adventure sports may require additional fees [2].
If you’re a digital nomad looking for insurance that aligns with your lifestyle, Insured Nomads offers plenty of flexibility. For those seeking a more globally established provider, consider checking out IMG Global next.
5. IMG Global
IMG Global provides a range of insurance plans tailored for digital nomads, supported by decades of experience in international insurance. Their offerings are designed to meet the needs of long-term travelers with flexible and wide-ranging coverage options.
Key Features
- Medical Coverage: Emergency medical treatments, hospital stays, and dental emergencies are covered, with limits reaching several million dollars.
- COVID-19 Coverage: Includes medical expenses and risks related to pandemics.
- Adventure Sports: Some plans include protections for various adventure activities.
- 24/7 Support: Access to multilingual customer service anytime, anywhere.
- Custom Options: Add-ons like electronics protection and trip cancellation coverage are available.
Plan Options
One standout plan, the Patriot Travel Medical Insurance, offers $1 million in coverage with a $250 deductible for about $50 per month. Travelers can extend or renew their plans as needed, making it a practical choice for those with flexible or changing schedules.
Global Network and Assistance
With a vast network of healthcare providers worldwide, IMG Global ensures easy access to quality medical care no matter where you are. Their services include 24/7 multilingual support, online claims submission, and concierge services, simplifying the process of getting help when you need it.
Customer Feedback
IMG Global is often praised for its dependable service and responsive support team. Digital nomads appreciate the variety of coverage options and the ability to customize plans to fit their specific needs.
Things to Keep in Mind
Costs and coverage will vary depending on the options you select and your personal requirements. With its strong reputation and extensive coverage, IMG Global is a solid choice for digital nomads looking for reliable, long-term insurance.
If you’re exploring other options, Generali Global Assistance is another global provider worth considering, offering its own set of appealing features.
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6. Generali Global Assistance
Generali Global Assistance (GGA) is a solid choice for digital nomads, offering customizable policies and a healthcare network that spans over 60 countries. Their plans are built to meet the needs of location-independent professionals who require flexible and reliable coverage.
Coverage and Features
GGA provides dependable medical and travel disruption coverage, with options to include adventure sports. Here’s what stands out for digital nomads:
- Flexible Policy Duration: Choose coverage periods that fit your travel plans.
- Global Healthcare Access: Access to a wide network of medical facilities worldwide.
- 24/7 Support: Multilingual emergency assistance anytime, anywhere.
- Adventure Activities: Optional add-ons for those who enjoy active lifestyles.
Plan Options
GGA offers three main types of plans:
- Single-trip plans for extended stays.
- Multi-trip plans for frequent travelers.
- Adventure-focused plans for those engaging in outdoor or high-risk activities.
Additional Benefits
Managing claims is straightforward with GGA’s online portal and global assistance centers. They also provide extra travel services like medical evacuation, help with lost documents, and concierge support for added convenience.
Cost and Network
GGA’s pricing is designed to fit the budgets of both frequent and long-term travelers. With a global network serving 70 million customers, they ensure reliable access to healthcare wherever you are.
Looking for another option? Allianz Travel Insurance is another well-known provider offering extensive coverage and worldwide support.
7. Allianz Travel Insurance
Allianz Travel Insurance combines a global presence with user-friendly, mobile-focused solutions designed for modern travelers. Their TravelSmart app delivers instant travel updates and support, which is especially handy for digital nomads who rely on staying connected while on the move.
Key Features
Allianz offers plans for single trips, multiple trips, and extended stays, making it a good fit for various travel needs. Some highlights include:
- TravelSmart App: Provides live travel updates and immediate support.
- Global Network: A wide network of healthcare providers with 24/7 multilingual assistance.
- 10-Day Free Look: Gives you time to review and cancel if the policy doesn’t meet your needs.
- Digital Claims: Easy-to-use online portal for quick claims processing.
Cost Overview
Allianz’s premiums are generally higher than some competitors, but they make up for it with extensive coverage and practical digital tools. Their online claims system simplifies handling healthcare or trip-related issues while traveling.
| Feature | Details |
|---|---|
| Special Features | TravelSmart app, coverage for adventure activities |
| Claims Process | 24/7 online portal, dedicated support hotline |
| Free Look Period | 10 days to review and cancel if needed |
| Digital Tools | Real-time updates and instant assistance |
Extra Perks
The 10-day free look period ensures you have enough time to decide if the policy fits your needs. Their trip cancellation coverage is a solid option for travelers with unpredictable schedules. Plus, the global network and round-the-clock multilingual support guarantee access to reliable care wherever you are.
If you’re seeking a plan with a strong focus on adventure and flexibility, you might want to check out World Nomads Travel Insurance as an alternative.
8. World Nomads Travel Insurance
World Nomads has made a name for itself in the travel insurance world, especially among digital nomads, thanks to its flexible plans and wide-ranging coverage. With two plan options – Standard and Explorer – it gives remote workers the ability to choose the level of protection that suits their lifestyle and travel needs.
Key Features
World Nomads is particularly appealing to adventurous digital nomads, offering coverage for over 200 activities. Key benefits include:
- Medical Emergencies: Comprehensive coverage for unexpected health issues.
- Adventure Activities: Protection for a broad range of sports and activities.
- COVID-19 Coverage: Automatically included in all plans.
- Equipment Protection: Coverage for essential work gear like laptops and cameras.
- 24/7 Emergency Assistance: Access to a global support network with multilingual help.
Coverage Options
The Standard Plan provides essential coverage for emergencies and equipment, while the Explorer Plan offers higher limits and additional protections, including trip cancellations and more extensive adventure activity coverage. Pricing depends on factors like age, travel duration, and the chosen plan.
Benefits for Digital Nomads
World Nomads is built with flexibility in mind, making it a strong choice for remote workers who enjoy combining work with adventure. Policies can be extended or renewed while abroad, and their online portal simplifies policy management and claims – perfect for those managing everything digitally.
Limitations
There are some drawbacks to consider. Age restrictions and exclusions for pre-existing conditions may apply, so it’s important to review the terms carefully. Additionally, premiums are often higher compared to competitors like SafetyWing.
World Nomads is best suited for active nomads who prioritize adventure and need adaptable coverage. However, if you’re looking for a more budget-friendly option with solid benefits, C&F Travel Insured could be worth checking out.
9. C&F Travel Insured
C&F Travel Insured, part of the Crum & Forster group, provides insurance plans designed specifically for digital nomads, offering extensive medical and travel coverage. With their background in international insurance, they’ve become a trusted name in the digital nomad space.
Key Features
Their plans combine a variety of protections, including medical limits up to $10 million, trip cancellation coverage, and adventure sports protection. Highlights include:
- Medical Emergencies: Coverage for unexpected health issues while abroad
- Trip Cancellation: Protection against sudden travel disruptions
- COVID-19 Coverage: Included as part of standard policies
- Adventure Activities: Coverage for high-risk activities
- 24/7 Emergency Support: Multilingual assistance available around the clock
Long-term Travel Benefits
For digital nomads planning extended stays across multiple countries, C&F Travel Insured offers monthly renewal options. This flexibility is especially useful for those with unpredictable schedules or itineraries spanning several destinations.
Cost Structure
Pricing depends on the trip length, type of coverage, and any added services. Here’s a quick breakdown:
| Coverage Duration | Key Features | Best For |
|---|---|---|
| Single Trip | Basic medical and trip protection | Short-term travelers |
| Multi-Trip | Coverage for multiple destinations | Frequent travelers |
| Long-Stay | Monthly renewal and extended coverage | Digital nomads |
Additional Services
C&F Travel Insured adds value with services like travel assistance, concierge support, emergency evacuation coordination, and access to a global medical provider network. Their 24/7 support ensures help is available across different time zones, making it a practical choice for remote workers who travel extensively.
With its flexible plans and wide-ranging coverage, C&F Travel Insured stands out as a reliable option for digital nomads looking for peace of mind while working and exploring abroad.
Comparison Table
Here’s a quick breakdown of insurance plans suited for digital nomads, helping you pick the right one for your travel needs:
| Insurance Provider | Monthly Cost | Medical Coverage | Trip Cancellation | Key Features | Ideal For |
|---|---|---|---|---|---|
| SafetyWing | $40 | $250,000 | Up to $5,000 | • 24/7 support • COVID-19 coverage • Monthly subscription | Long-term travelers |
| Heymondo | $162/3 months | $10 million | Up to $7,000 | • Adventure sports • Mobile app • Direct billing | Short-term travelers |
| Genki | Varies by age/location | $1 million | Up to $3,000 | • Adventure activities • Electronics coverage • Flexible plans | Adventure enthusiasts |
| Insured Nomads | Varies by destination | $500,000 | Up to $10,000 | • Equipment coverage • Remote work perks • Travel assistance | Tech professionals |
| IMG Global | From $1.35/day | $2 million | Up to $10,000 | • Renewable coverage • Visa support • Multiple plans | Frequent travelers |
| Generali Global | Varies by duration | $1 million | Up to $100,000 | • Emergency assistance • Baggage coverage • Family plans | Family travelers |
| Allianz Travel | From $26/trip | $500,000 | Up to $100,000 | • Annual plans • Rental protection • Concierge services | Business travelers |
| World Nomads | From $40/month | $100,000 | Up to $2,500 | • Adventure coverage • Equipment protection • Flexible duration | Budget travelers |
| C&F Travel Insured | Varies by coverage | $10 million | Included | • Adventure sports • Monthly renewal • 24/7 support | Extended stays |
Key Factors to Keep in Mind
Your actual costs will depend on:
- Age
- Destination countries
- Duration of coverage
For long-term digital nomads, SafetyWing and World Nomads are popular choices due to their balance of affordability and features. If you’re planning a shorter trip, Heymondo and IMG Global might be better suited. Since pricing varies based on personal factors like age and travel destinations, it’s best to get quotes directly from the providers.
Now it’s time to decide which plan fits your travel style and priorities the best!
Conclusion
Selecting the right travel insurance comes down to your individual needs and priorities, especially for digital nomads who require tailored coverage.
SafetyWing offers budget-friendly and flexible plans, making it a great option for many. On the other hand, Heymondo and Insured Nomads provide more extensive coverage, ideal for those seeking higher levels of protection. Key factors to consider include strong medical coverage, adaptable subscription options, and dependable global support.
Here’s a quick breakdown of top providers:
- SafetyWing: Affordable and flexible, designed specifically for digital nomads.
- Heymondo: Offers medical coverage of up to $10 million.
- Insured Nomads: Comprehensive plans with added perks for remote workers.
Use the comparison table to weigh your options and find a plan that matches your travel habits and work needs. Remember, the “best” plan isn’t necessarily the most expensive – it’s the one that fits your lifestyle and ensures peace of mind while you focus on your travels and career.
