Long-Term Travel Insurance for Digital Nomads

Unlike short vacations, long-term travel involves extended stays in foreign countries, multiple border crossings, and exposure to different health systems. Nomads can face:

• Emergency medical situations

• Trip cancellations

• Lost or stolen electronics

• Political unrest or natural disasters

• Evacuation or repatriation needs

Traditional travel insurance often doesn’t cover long-term or remote work scenarios. That’s where specialized nomad insurance comes in—it’s built for global freelancers, remote employees, and entrepreneurs.

What Makes a Good Digital Nomad Insurance Policy?

Not all travel insurance plans are created equal. For digital nomads, the best plans offer:

1. Global Medical Coverage

Look for policies that:

• Work in multiple countries or globally

• Cover both emergency and routine care

• Include hospital stays, surgery, and outpatient visits

2. Trip Interruption and Cancellation

Flights and accommodations are expensive. You want a plan that reimburses you for:

• Canceled trips due to illness, family emergencies, or border closures

• Delayed or missed connections

 

 

3. Emergency Evacuation and Repatriation

If a medical emergency requires you to be flown to another country—or home—this can cost tens of thousands of dollars. Good policies should cover:

• Medical evacuations

• Political or natural disaster evacuations

• Return of remains

4. Coverage for Remote Work

Many insurers exclude coverage if you’re working abroad. Choose a provider that recognizes remote work and includes protection for:

• Work equipment (laptops, cameras)

• Third-party liability (e.g., working from cafes or co-working spaces)

5. Flexibility and Renewability

You’ll want a policy that:

• Can be renewed on the road

• Doesn’t require a home base or return ticket

• Allows coverage in multiple countries, not just one destination

Top Long-Term Travel Insurance Providers for Digital Nomads (2025)

1. SafetyWing – Nomad Insurance

• Coverage: Medical, travel interruption, lost luggage, COVID-19

• Countries covered: Worldwide (including U.S. for extra fee)

• Cost: ~$45/month (non-U.S.), ~$80/month (with U.S. coverage)

• Maximum duration: Unlimited renewals every 4 weeks

• Extras: Includes coverage while visiting home (up to 30 days)

Why it’s great: Built specifically for digital nomads. Subscription-based model. Can be purchased after departure. Affordable and flexible.

2. Genki Resident Insurance

• Coverage: Comprehensive health insurance for nomads (chronic care, maternity, dental)

• Countries covered: Global

• Cost: ~$80–$150/month based on age and plan

• Maximum duration: Long-term (1 year or more)

• Extras: Built on Allianz global network

Why it’s great: One of the few insurers offering full international health insurance, not just emergency care. Ideal for long stays and full-time nomads.

3. IMG Global – Global Medical Insurance

• Coverage: Emergency and routine care, evacuation, wellness, maternity

• Countries covered: Worldwide

• Cost: Depends on plan tier and deductibles

• Maximum duration: Annual plans, renewable

• Extras: Telemedicine, optional add-ons

Why it’s great: IMG is a long-established provider offering customizable global health insurance for expats and nomads alike. Suitable for those needing extensive coverage and hospital network access.

4. World Nomads

• Coverage: Trip cancellation, emergency medical, adventure sports, electronics

• Countries covered: 150+ countries

• Cost: ~$100/month depending on region

• Maximum duration: Up to 180 days per trip

• Extras: Coverage for 200+ adventure activities

Why it’s great: Ideal for short-to-mid-length adventures involving risky or high-energy activities (e.g., hiking, diving, cycling). Not as ideal for year-long slow travel or ongoing care.

5. Insured Nomads – Health + Travel

• Coverage: Health, travel, wellness benefits, telemedicine

• Countries covered: Worldwide

• Cost: ~$150–$250/month depending on age and coverage

• Maximum duration: Multi-year, renewable

• Extras: Mental health support, travel alerts, crisis response, gym discounts

Why it’s great: Tailored for global workers and remote teams. Modern interface, robust benefits beyond just emergencies. Solid customer support.

What’s Typically Not Covered?

Even the best insurance plans have exclusions. These often include:

• Pre-existing conditions (unless explicitly covered)

• Routine care (in travel-only policies)

• High-risk activities (unless you choose a rider)

• Non-emergency dental or eye care

• Injuries due to intoxication or illegal activity

• Lost electronics unless specifically included

Always read the policy fine print before purchase.

Comparing Coverage: A Quick Chart

Tips for Choosing the Right Insurance

1. Assess Your Lifestyle: Do you move every month or stay in one country for a year? Some plans work better for frequent travelers.

2. Know Your Health Needs: If you have a chronic illness or need prescriptions, opt for a plan with full health coverage.

3. Check Visa Requirements: Some countries (e.g., Schengen area) require specific coverage amounts.

4. Keep Digital Records: Scan receipts, prescriptions, and forms for easy claim filing.

5. Bundle if Needed: Combine a global health plan with electronics insurance if not included.

Final Thoughts

The freedom of the digital nomad lifestyle comes with the responsibility of planning ahead—especially when it comes to health and travel emergencies. Long-term travel insurance isn’t just about protecting your wallet; it’s about ensuring peace of mind as you build a life across borders.

Whether you want an affordable subscription-based policy like SafetyWing, full health coverage like Genki, or premium benefits from Insured Nomads, there’s a plan that fits your needs and budget.

Don’t wait for a crisis. Get insured, travel smart, and explore the world without fear.