Compare the best health insurance options for digital nomads with detailed analysis of coverage, costs, and special features for different traveler profiles.
SafetyWing Nomad Insurance leads the market with $42,000 medical coverage, 180-country coverage, and flexible monthly payments starting at $45 . World Nomads offers adventure activity coverage with evacuation benefits up to $100,000, ideal for nomads engaging in higher-risk activities. IMG Global provides comprehensive expat-style coverage with direct billing and local provider networks, though at higher costs ($150-400/month). Each provider targets different nomad profiles and risk tolerances.
Most nomad insurance excludes routine care, pre-existing conditions, and pregnancy coverage . Dental and vision coverage typically requires separate policies or riders. Mental health coverage varies significantly between providers, with some offering telehealth options. Electronics coverage ranges from $1,000-5,000 for laptops and work equipment. COVID-19 coverage has become standard but varies in scope and limitations.
European nomads benefit from EHIC cards providing basic EU coverage alongside private insurance . US-based nomads should maintain domestic health insurance for home visits. Cigna Global and Allianz offer expat-focused plans with worldwide coverage including home country visits. Travel medical insurance differs from comprehensive health insurance - understand which type matches your needs. Consider insurance stacking: basic nomad insurance for emergencies plus specific coverage for high-value items or activities requiring specialized protection.
Share it with your network and help others discover great content!
More insights on insurance & safety and digital nomadism
Spain is calling! With its affordable lifestyle, rich culture, and digital nomad visa, freelancers can enjoy sun-soaked cities while becoming bilingual in just one year.
Top Reddit reports reveal frequent claim delays and denials by SafetyWing, while Genki and True Traveler earn stronger trust from nomads.
Nomads on Reddit compare Genki and SafetyWing—Genki praised for seamless hospital visits, SafetyWing criticized for claim friction—even across Europe and SE Asia.