Best International Travel Insurance Plans For Digital Nomads

Imagine you’ve just arrived in your dream destination from where you will start traveling during many months, only to find out that the airport has lost your checked luggage. Your clothes, your gear, and everything you needed to travel and work has been lost, but you need to have client calls in just a few days.

For scenarios like that you need a comprehensive, long term and flexible travel insurance that covers remote working professionals traveling as a digital nomad, that is also cost-effective for you, which many traditional travel insurance providers might not cover, or if they do, it would be expensive.

Travel insurance fees, or “premiums”, can vary based on how long your trip is, your age, where you are traveling, and the activities you’ll be doing while you are there.

As a digital nomad, you need to consider not only things like emergency medical treatment, lost or stolen baggage, and delayed flights, but also lost or stolen gear, the cost and coverage of home visits, and any adventure activities you may participate in.

You need a policy that covers extended traveling, with more digital nomad travel insurance options, including multiple destinations for many months especially designed for long-term travelers.

Travel insurance is a way to protect yourself against anything unexpected that may come up as well as to give you peace of mind to avoid ending up with huge medical bills, saving yourself the cost of having to replace everything or pay for anything out of pocket: from trip delays to medical costs with comprehensive health insurance policies -since health expenses or dental expenses can be significant in the long run even if you’re traveling in non-expensive locations-.

Let’s go through the different types of travel insurance, what to consider when getting one, and top plans for digital nomads:

The Difference Between Travel Insurance and Health Insurance

Travel insurance is meant to cover anything that may go wrong on your trip, but is not necessarily meant to substitute health insurance by default. Some travel insurances designed for digital nomads might include it -with a specific digital nomad health insurance-, but is important to understand the difference.

Travel insurance and health insurance have different types of coverage that deal with different circumstances, which is why is fundamental to verify what’s included. However, in general:

Travel insurance

Typically focuses on issues you may encounter while traveling. This can include lost luggage, lost travel documents, being robbed, any accidents that occur while you are traveling, any emergency medical treatment you may need, and repatriation to your home country if you need to return there for medical treatments. Some plans will cover you for trip cancellations.

Health insurance

It’s focused on any medical issues and health-related needs you may have, in any country you are in, focusing on medical coverage. This includes a medical emergency or pre-existing conditions, compassionate visits, maternity and baby care, ongoing treatment for serious health conditions such as cancer and repatriation of remains. Health insurance does not cover lost luggage or stolen equipment. If you’re  specifically looking for health insurance and what health insurance coverage includes, take a look at this comprehensive guide where we covered the top international health insurance plans for digital nomads.

What To Consider When Buying Travel Insurance as a Digital Nomad

Digital nomads have different needs than the average traveler, and therefore, when looking for a travel insurance coverage, it’s important to look at which of those not so common scenarios for the average traveler that digital nomads will tend to face are included, what are the coverage limits, yearly deductible, trip insurance policies, etc. and if it’s offered at a reasonable, affordable price.

Think about what you need to be covered if something goes wrong at a foreign country so you can continue with your day to day as well as professional life? Some common scenarios to take into consideration when deciding the best digital nomad insurance to choose from are:

  • Loss of passport
  • Dental emergencies
  • Access to medical facility and routine check-ups
  • Emergency care and coverage for medical or surgical procedures
  • Emergency repatriation
  • Trip cancellation or delays
  • Missed departure
  • Loss Baggage or baggage delay
  • 24-hour assistance services

It’s fundamental to also understand what changes depending of your country of residence and extended periods of time.

Top Travel Insurance Plans For Digital Nomads

Now that you know what to look and be aware of, you’re ready to assess options. Thanks to the popularity of remote work and digital nomads, there are now many excellent alternatives to choose from. Here are some of the best travel insurance companies in the market offering insurance for nomads, featuring also remote health insurance:

1. Safety Wing

Safety Wing offers various insurance plans for digital nomads and remote teams alike. Their Nomad Insurance plans cover people from all over the world, even when traveling and living outside their home country. Safety Wing has affordable rates, depending on which coverage you choose and what your deductible is.

Automatic monthly payments make it super easy to make your payment on time, and you don’t have to worry about your insurance lapsing due to non-payment while you’re away. Even if your journey has already begun, Safety Wing is happy to assist you in finding a plan and providing immediate coverage.

Visits to your home country are fully covered after you’ve been abroad for 90 days. Young children (up to 2 under 10 per plan) are included and fully covered, free of charge. Safety Wing will cover accidents and illness while living abroad, but they also have options for travel insurance. Lost bags, emergency response, travel delays, natural disasters, and personal liability have coverage space under Safety Wing.

You never know what can happen when you’re traveling, and being away from home when facing sickness or injury is hard. Safety Wing is there to provide as much of a cushion as possible.

What’s Included

  • Unexpected illness or injury abroad, including hospitals, doctors, or prescriptions
  • Emergency medical evacuation
  • Travel delay
  • Lost checked luggage
  • Minimal health coverage in your home country: every 90 days, you are covered for 15 days in the US, or 30 days if your home country is not the US

What’s Not Included

  • Routine checkups
  • Preventative care
  • Coverage for pre-existing conditions
  • Equipment and belongings

Safety Wing travel medical insurance can cost as low as $37 for a four week period, depending on your age and if you will be traveling to the US. For many claims, there is no deductible at all, and they support direct billing to most hospitals and clinics.

2. Allianz Travel Insurance

Allianz Travel lnsurance provides its policyholders with insurance when living, visiting, or studying abroad. There are plenty of coverage levels, offering clients exactly what they need when it comes to insurance. International insurance isn’t designed for a week or two in Paris, but instead, for people who are spending extended time overseas. However, if you do need holiday coverage, Allianz suggests that you reach out to their customer care team to discuss it.

Allianz Travel Insurance works exactly like your insurance at home, covering you for more than just emergency treatments. Allianz will cover your diagnosis and post-treatment care as well. With all the coverage options, you’re certain to find something that works for you. Allianz even offers a short-term plan that is best for those that plan to spend less than a year overseas.

The digital services from Allianz are accessible and easy to use. You can track your claims and update coverage from anywhere. Allianz offers health and wellness advice through its app for each of its members, and support is available for those that receive a difficult or shocking diagnosis.

What’s Included

  • Accidental death and disability coverage
  • Medical expenses (Up to $200,000 for Travel Easy and up to $350,000 for Travel Care)
  • Emergency medical evacuation and/or repatriation
  • Deposit and/or trip cancellation (up to $25,000)
  • Personal luggage and/or personal effects coverage
  • Travel document replacement
  • Luggage and travel delays
  • Sports activities and mountaineering
  • High altitude mountaineering

What’s Not Included

  • Sports coverage (including mountaineering and other activities) is not available for senior citizens
  • Annual plan coverage not available in some countries for seniors and families

You can purchase Travel Easy insurance on your own at any time through Allianz’s online store. However, you must contact an authorized agent to purchase the Travel Care package. Because they have agents available 24-7, it’s still easy for you to get in touch and purchase the package if you prefer its additional coverage options.

3. IMG Global Expat Insurance

Patriot Travel Medical Insurance by IMG offers coverage for families, individuals, and groups. The company specializes in temporary insurance for those traveling or visiting outside of their home country. International traveling is life-changing, but it can become scary when you’re underprepared regarding insurance.

Patriot Insurance fully understands the need for travel medical insurance. They offer two plans, Patriot America for coverage within the United States, and Patriot International for coverage outside of the United States. The plans are quite straightforward, and it’s not difficult for policyholders to understand what is covered and what is not. With that said, Patriot Insurance offers a good amount of coverage, no matter where you are in the world.

Short-term medical coverage is available at daily and monthly rates, which means you can tailor your plan and your price to the duration of your trip. Patriot Insurance offers the ability to choose the doctor or hospital of your choice. All Patriot Plans include between $1,000,000 and $8,000,000 in coverage, including local ambulance and natural disaster emergency evacuation.

Other services by Patriot Insurance are extensive, including accidental death and dismemberment coverage, ranging all the way to lost luggage. It’s truly a flexible company that offers wide coverage.

What’s Included

  • Emergency evacuations
  • Political evacuations and repatriation (only available through the Platinum plan)
  • Emergency Reunions
  • Maternity benefits (only available through the Platinum plan)
  • Return of mortal remains to your home country
  • Coverage for pre-existing conditions

What’s Not Included

  • Mental healthcare (for Bronze plan)
  • Maternity benefits (for Bronze, Silver, and Gold plans)
  • Podiatry care (for Bronze and Silver plans)
  • Complementary care (for Bronze and Silver plans)

A variety of factors influence the final cost of your IMG Global Expat insurance premiums, but plans are generally quite affordable. For example, healthy young adults can get coverage for less than $100 per month. Because there are so many different plans, it’s also easy to find a coverage option that suits your budget regardless of your age or health status.

4. World Nomads

As the world transitions to remote work, there is much more focus on insurance coverage as it relates to remote workers and digital nomads. World Nomads is an insurance company that understands that inspiration and opportunities come from world travel, and it’s beyond difficult to travel the world without proper insurance coverage.

Finding the right insurance expands the ways in which you can visit your desired destinations, and World Nomad is here to provide just that. World Nomad offers some of the most flexible and affordable international insurance plans available today. Whether you plan to stay overseas or you’re only staying for a week or two, World Nomads has you covered, putting together a tailored plan just for you!

If you leave for your trip without insurance and have a change of heart, World Nomads will happily supply you with coverage once you’ve landed, without charging additional fees. World Nomads is dedicated to helping travelers understand what they can expect when traveling abroad, and boast a “know before you go” feature that will give you a rundown of the type of insurance coverage you might need for wherever you’re going. Overall, it’s reliable and flexible insurance.

What’s Included

  • Unexpected illness or injuries abroad, including hospital, doctor, prescriptions, or emergency dental treatment
  • Emergency medical evacuation
  • Missed and delayed flights
  • Lost checked luggage
  • Stolen or lost belongings, including camera, mobile phone, and laptop
  • Adventure activities such as scuba diving, bungee jumping, mountain biking, and skiing

What’s Not Included

  • Pre-existing conditions
  • Items left unattended in a public place
  • Gear damaged while in use
  • Eyeglasses
  • Cosmetic procedures

The price, terms, benefits, and limits for World Nomads insurance depends on where you are from, and where you are going.

5. True Traveller

Designed specifically for travelers, by travelers, True Traveller offers insurance plans that you can build according to where you’re headed in the world and the type of coverage you might expect to need. Made for everyone ranging from those on holiday to those moving across the world, True Traveler will support you when you’re away from your home country, giving the cushion of insurance you need to truly enjoy yourself.

True Traveller has some of the best online reviews we’ve ever seen when it comes to international travel insurance, and that speaks volumes for the ease of working with the company. Before you choose a plan, you’ll want to take a moment to read what is covered, as the True Value plan only covers travelers under 40.

True Traveller offers coverage for extended annual trips, making it possible to ensure your trip is covered before you even leave. One True Traveller insurance policy covers up to 92 activities, so you can have fun on your holiday and rest easy knowing that no matter what you decide to do (within reason) it will be covered by True Traveller. If you have questions regarding coverage, please reach out.

What’s Included

What’s included will depend on the plan you choose, but some of the options are:

  • Free home visits
  • Medical repatriation
  • Adventure activities, such as rock climbing, safari tours, and trekking
  • Delays due to natural disasters
  • Delays due to civil unrest

What’s Not Included

  • Private medical treatment, unless no public treatment is available

True Traveller travel insurance varies in cost depending on the type of trips you are taking.

6. Seven Corners

Seven Corners is a company that excels in tailoring travel insurance plans perfectly. They begin by asking travelers what they need before they embark on their trip. This is a super way to go about constructing an insurance plan for those that travel abroad because it offers premium coverage without unnecessary add-ons.

From trip insurance to standard medical insurance, there’s not much that Seven Corners will not cover. Of course, if you’re unsure, you should always call their helpful customer service team to determine that they have the coverage you need.

Seven Corners has been in the game for a while, and they know the consistent issues that travelers tend to come across when traveling abroad. This knowledge alone means that they are more than prepared to build a plan that will work for you, regardless of where you’re headed or what you plan to do, again, within reason.

One of the best components of Seven Corners, other than stellar coverage, is how easy it is to make a claim. Their customer service is available 24/7, and they have more than 100 professionals waiting to help you figure out what plan will work for you.

What’s Included

  • Trip cancellation and trip interruption reimbursements
  • Cancel-for-any-reason (CFAR) coverage
  • Emergency medical protection (including dental care and other accidents)
  • Emergency evacuation coverage

What’s Not Included

  • Coverage for pre-existing conditions

There are some exceptions to the pre-existing condition rule if you purchase specific plans (RoundTrip Choice and RoundTrip Elite). According to company policy, this rule can be waived if you buy coverage within 20 days of making your initial trip payment, insure non-refundable prepaid costs, insure subsequent travel arrangements, and were not disabled from travel when you purchased your plan.

Wrapping up!

Before booking your next digital nomad trip, make sure to purchase travel insurance that gives a comprehensive coverage for common digital nomad scenarios, to keep yourself protected against most of the unfortunate circumstances or unexpected expenses that may come up while you work and explore the world. With the different insurance company alternatives listed above along their specific nomad travel insurance options, you’ll have more than what traditional travel insurance plans have to offer.

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