5 Best Travel Insurance For Digital Nomads In 2024

Let’s chat about travel insurance. It’s like a safety net for your nonrefundable bookings and can cover unexpected medical costs during your travels. But here’s the twist: the kind of travel health insurance you need can vary a lot.

Imagine this: you’ve got folks who take a bunch of short trips each year, and then you’ve got digital nomads. These nomads are a different breed. They might spend loads of time living and working in different countries throughout the year. They might not pop back home as often, and they often lug around equipment like laptops and cameras. Plus, they’re into all sorts of adventurous stuff.

Now, the life of a digital nomad sounds pretty sweet, right? Picture yourself working from a cozy cafe by the beach or a cool coworking space nestled in the mountains. It’s all about freedom and setting your own schedule.

But with great freedom comes great responsibility. Apart from nailing that work-life balance, you’ve gotta think about your health too! Since you’ll be in different countries, it’s crucial to have insurance. Traveler’s insurance isn’t just about covering hospital bills – it can save the day if you lose your luggage, miss a flight, or even misplace your passport.

The good news? Insurance companies have caught on to the rise of remote workers. Now, they offer insurance plans specifically tailored for digital nomads. So, let’s dive into what digital nomad travel insurance is all about, what it should cover, and some top picks to consider!

The importance of a travel insurance

Hey fellow nomads! Let’s break down what travel insurance means for us digital nomads.

Picture this: you’re living that nomad life, jetting from one country to another, setting up shop wherever you fancy. But here’s the thing – since you’re not exactly heading back home every few weeks, popping in to see your regular doctor isn’t an option if you get sick or have a mishap.

And let’s not forget those pesky travel troubles. Lost baggage, stolen stuff – they’re all part of the nomad journey. Dealing with these issues can drain your time and wallet faster than you can say “oops.”

Digital nomad travel insurance

Enter travel insurance for digital nomads! This type of insurance is like your safety net. It’s there to give you financial backup for all those travel and health hiccups. And get this – some plans might even cover your trip back home for medical treatment if you need it.

Now, don’t mix this up with international health insurance. That’s more about your health and medical costs. With international health insurance, you’re covered for doctor visits, treatments, and emergencies in affiliated hospitals worldwide. But when it comes to travel stuff like lost luggage or flight delays, you’re not covered like you would be with travel insurance for digital nomads.

So, why is this insurance so crucial for us nomads? Well, it’s all about staying safe and confident as we explore different corners of the globe. But hold up – choosing the right insurance plan is key. You don’t want to rush into it and end up with a plan that doesn’t fit your needs.

The Common reasons for having Travel insurance as a digital nomad?

Travel insurance

So you’re diving into the world of travel insurance for digital nomads? Awesome choice! But with so many options out there, how do you know which plan is the right fit for your nomadic lifestyle? Let’s break it down:

1. Emergency Medical Coverage

This is a big one. Emergency medical coverage kicks in for sudden illnesses, accidents, or injuries during your travels. Check what the plan covers and the total cost. You want to be sure you’re covered for those unexpected bumps in the road.

2.Global Coverage

First up, you want a plan that covers you worldwide. Some plans let you choose specific countries for coverage, which can affect the price. If you’re not planning to visit countries with pricey healthcare (like the USA or Japan), you might opt for a plan that excludes those. However, if you’re jet-setting around the globe, a comprehensive worldwide policy is your best bet.

Also, consider an international policy that covers you even when you’re back in your home country. No need for separate policies!

3.Pre-Existing Conditions

Got a pre-existing medical condition? This adds a layer of complexity. Most travel insurance won’t cover these, but some offer coverage for acute pre-existing conditions. Be sure to read the fine print and choose a plan that suits your health needs, keeping in mind it might bump up your premium.

4.Emergency Evacuation

Picture this: a situation arises where you need to get out of the country ASAP. It could be medical, political, or due to a natural disaster. Make sure your insurance includes emergency evacuation coverage. Think COVID-19 pandemic-level events.

5.Trip Cancellations and Delays

Flight delays and cancellations are a traveler’s nightmare. Your insurance should have you covered for these scenarios, whether you’re flying, driving, or sailing. It can save you from shelling out for missed flights and accommodations.

6.Baggage Loss

Ever lost your luggage in transit? It’s a headache! Look for coverage that includes baggage loss or item loss. This can be a lifesaver if your belongings go missing.

7.Gadget Protection

Your gadgets are your lifeline as a digital nomad. Make sure your insurance covers your electronics in case they’re lost or stolen. Phones, cameras, laptops – protect those valuable tools of the trade!

8.Emergency Assistance

Finally, don’t overlook the importance of emergency assistance. If you end up in a hospital for a non-life-threatening issue, the hospital might need a payment guarantee. A 24/7 emergency hotline from your insurance provider can be a lifesaver, especially with time zone differences. Check reviews to ensure they’re responsive round the clock.

So there you have it! When choosing your digital nomad travel insurance, look for these key features to keep yourself covered wherever your adventures take you.

To help you out, we’ve rounded up the top 7 travel insurance plans for digital nomads. We’ve looked at their coverage, costs, and what other nomads have to say about them. Check them out below!

Genki World Explorer

5 Best Travel Insurance For Digital Nomads In 2024

Alright, let’s talk about Genki World Explorer and why it is my top pick for digital nomad insurance.

Genki’s got some top-notch medical coverage, which is a big plus. You can get insurance on a monthly plan, and you can cancel it whenever you need to.

Genki was made with digital nomads and remote workers in mind. It’s straightforward to sign up for, and you can do it from almost anywhere in the world. I remember signing up for Genki once while I was waiting to hop on a ferry from Bali to Nusa Lembongan. Easy peasy.

Now, what’s in the package with Genki? Let’s break it down:

  • They’ve got you covered for emergency inpatient and outpatient treatment, including operations.
  • You’re covered for medicines, remedies, and even dental treatments for pain relief and fillings.
  • If you have a dental issue from an accident, they’ve got you covered there too.
  • They even cover outpatient initial treatment for mental illnesses.
  • And in case of emergencies, they’ve got inpatient treatment for mental or emotional disorders.
  • If you need to get to the nearest hospital, they’ll cover transport costs, including ambulance rides.
  • And if the worst happens, they’ll cover the costs to get you back to your home country.
  • Plus, they’ve got your back for sports activities, even scooters and car accidents. Adventure away!

The best part? Genki doesn’t put a cap on most of their medical coverage. So you’ve got peace of mind without worrying about limits.

Now, let’s talk pros and cons:


  • Super comprehensive medical coverage with almost no limits
  • Great bang for your buck with a low monthly cost
  • You can keep the coverage going for up to 2 years on their subscription model
  • Made specifically for digital nomads, and you can sign up from anywhere and cancel anytime
  • They offer low or no deductible fees
  • Covers a bunch of activities, with only a small list of exclusions for “dangerous activities”
  • Signing up is a breeze, and it’s all transparent
  • They’ve got some of the fastest claim payment times in the business
  • Genki is backed by big names like Allianz Partners and DR-WALTER, so you know they’re solid

Now, let’s talk about the cons of Genki World Explorer:


  • It doesn’t cover anything outside of medical stuff, like travel delays, lost baggage, or trip interruptions.
  • Monthly costs are a bit higher for folks aged 30 and up.

Now, let’s dive into the cost of Genki Insurance:

Genki’s prices start at just €39.30 per month for digital nomads who are up to 29 years old. Here’s a breakdown of the costs for all age ranges and plan options:

  • For ages 0 to 29:
    • Worldwide Coverage (excluding the U.S.): €39.30
    • Worldwide Coverage (including the U.S.): €86.70
  • For ages 30 to 39:
    • Worldwide Coverage (excluding the U.S.): €54.60
    • Worldwide Coverage (including the U.S.): €108.30
  • For ages 40 to 49:
    • Worldwide Coverage (excluding the U.S.): €60.00
    • Worldwide Coverage (including the U.S.): €130.20
  • For ages 50 to 59:
    • Worldwide Coverage (excluding the U.S.): €78.00
    • Worldwide Coverage (including the U.S.): €169.20
  • For ages 60 to 69:
    • Worldwide Coverage (excluding the U.S.): €116.70
    • Worldwide Coverage (including the U.S.): €253.50

Genki’s pricing is pretty impressive when you look at what they offer. Plus, they give you an option for a €0 deductible if that’s what you’re after.

Here’s the scoop: if you’re mainly looking for solid travel medical insurance, Genki is hard to beat. They cover more other than other insurance like SafetyWing when it comes to medical stuff, and their pricing is competitive with a monthly subscription.

Ready to sign up for Genki Insurance? Click here.

And don’t forget to check out our full Genki insurance review for even more info on Genki’s digital nomad travel insurance.

World nomads

5 Best Travel Insurance For Digital Nomads In 2024
5 Best Travel Insurance For Digital Nomads In 2024

Alright, let’s talk about World Nomads, a travel insurance provider that’s got some pretty solid coverage options.

First off, they offer coverage for residents of many countries, and you can even extend your coverage mid-trip. This insurance is backed by Nationwide Insurance, so you know you’re in good hands.

Here’s the scoop on what’s included with World Nomads coverage:

What’s Included:

  • Trip cancellation, interruption, and delay coverage.
  • Emergency healthcare, evacuation, repatriation, and 24-hour assistance services.
  • Accidental death and dismemberment coverage.
  • Non-medical emergency transportation.
  • Baggage delay and loss protection.
  • Rental car damage coverage (with the Explorer Plan).
  • Adventure sports and activities coverage.

Now, here are a few things that are excluded (it’s not a complete list):

  • Pre-existing conditions.
  • War.
  • Self-harm or accidents that happen while you’re intoxicated.

Now, let’s talk about the plans they offer:

World Nomads Plans:

  1. Standard Plan: This one has lower coverage limits but still covers more than 200 sports, including some adventure sports.
  2. Explorer Plan: With this plan, you get everything in the Standard Plan plus coverage for 60 more activities, including the more risky ones like shark cage diving, skydiving, and paragliding.

One cool thing about World Nomads is that they cover adventure activities, which many other plans don’t.

Price Comparison:

  • For a 180-day trip to multiple countries by a 30-year-old from Colorado:
    • Standard Plan: Priced at $549
    • Explorer Plan: Priced at $788

If your nonrefundable trip costs are more than $2,500, the Standard Plan will cover you only up to $2,500 on trip cancellation. In that case, you might want to consider the pricier Explorer Plan, which covers up to $10,000 on trip cancellation.

Both plans offer emergency accident & medical coverage of $100,000, which is a good amount of coverage especially for long trips abroad.

Final Thoughts:
The big advantage of World Nomads is its coverage for adventure activities. So if you’re into adventurous stuff like diving with sharks or skydiving, this could be a good fit for you.

Overall, when comparing the advantages of World Nomads to other providers, it’s clear they’re one of the best travel insurance companies out there. You can check out our full rationale in our article on the Best Travel Insurance Right Now.


5 Best Travel Insurance For Digital Nomads In 2024

Alright, let’s dive into SafetyWing, another top pick for digital nomad travel health insurance with COVID coverage.

Getting Coverage:
You can easily grab a SafetyWing policy even while you’re abroad. This is super handy for folks who are already traveling and decide they need insurance coverage mid-trip.

Who Can Get It:
Unless you’re a resident of North Korea, Cuba, or Iran, you’re good to go with SafetyWing. They’re pretty open about who can sign up. The default coverage length is 28 days, and it automatically renews unless you cancel it. The max coverage length is 364 days.

U.S. Coverage:
SafetyWing even throws in some incidental coverage in the U.S. for up to 15 days out of every 90 days. But remember, this is more for medical and travel insurance while you’re abroad. It doesn’t count as health insurance under the Affordable Care Act in the U.S.

What’s Included:

  • Trip interruption and delay coverage.
  • Emergency medical and dental expenses.
  • Emergency medical evacuation, repatriation of remains, and accidental death.
  • Lost checked luggage and lost visa/travel documents.
  • Return of minor children and pets.
  • Political evacuation and border entry protection.

What’s Not Covered (not a complete list):

  • Pre-existing conditions.
  • Mental health disorders.
  • Intentional acts or damages from being under the influence of drugs or alcohol.

How Much Does It Cost:
The cost of a SafetyWing policy depends on your age and whether you need health insurance coverage while in the U.S. For example, a four-week policy for someone aged 18 to 39 without U.S. coverage is $45. If you want U.S. coverage, it bumps up to $83.

For a 180-day coverage:

  • Without U.S. coverage: $290 for ages 10 to 39.
  • With U.S. coverage: $536 for the same age range.

There’s also a $250 deductible every time you start or renew a policy.

Final Thoughts:
The big perks of SafetyWing are that you can get coverage mid-trip and have health insurance while in the U.S. These are pretty sweet options for digital nomads on the go.


Let’s talk about Heymondo, a travel insurance option that has gained popularity among the digital nomad community.

Different Plans:
Heymondo offers various plans to fit different needs and budgets.

What Stands Out:
Heymondo shines as a top choice for digital nomad insurance because they provide excellent coverage at a reasonable rate. What’s more, you can add coverage for your electronic items, which many other providers don’t offer.

Types of Plans:
They have three main plans:

  1. Single Trip: For one-off trips where you know all your destinations.
  2. Annual Multi-Trip: Coverage for all your trips within a year, with a 60-day max per trip.
  3. Long Stay: Flexible coverage for trips lasting 90 days or more.

Long Stay Plan:
The 90-day long-stay plan is likely the best fit for most digital nomads. It includes all the essentials you’d expect from quality digital nomad insurance. And if you need more than 90 days, you can extend it!

Special Benefits:
Heymondo also has a handy app where you can access 24/7 medical chat, make free assistance calls, and manage claims right from your phone. This is perfect for nomads on the move!

What’s Covered:
The Heymondo Long Stay plan includes:

  • Emergency medical & dental expenses overseas – Up to $2,500,000 USD
  • Medical transportation & repatriation
  • Baggage – Up to $1,200 USD
  • Travel Disruption – Up to $350 USD
  • Natural Disaster Assistance – Up to $1,250 USD
  • Personal Liability – Up to $60,000 USD
  • Accidental Death or Disability – Up to $10,000 USD

Unique Coverage:
What’s impressive about Heymondo is their high medical coverage limit of $2,500,000 USD for emergencies abroad. This, along with coverage for baggage and travel disruptions, makes it a solid choice.

Optional Add-Ons:
You can add coverage for electronics and adventure sports if needed. These are not included in the core plan but are available as extras.

What’s Not Included:
Like most plans, Heymondo doesn’t cover routine checkups or pre-existing medical conditions. Be sure to check the Heymondo General Conditions for the full list of exclusions.

Pros & Cons:
Here’s a quick rundown:

  • Comprehensive coverage for medical and travel expenses
  • Good value for the coverage provided
  • Customizable plans
  • 24/7 assistance and support
  • Manage your plan easily with the Heymondo app


  • The 90-day upfront payment for the long-stay plan
  • Baggage delay coverage starts after 12 hours
  • Digital nomads over 49 can’t be covered for more than 30 days

The cost varies based on your location. For example, Heymondo Long Stay insurance starts at 120,06€ for 3 months for a 30-year-old from the United Kingdom. That’s around 40€ per month, similar to Genki and SafetyWing.

Renewal Discounts:
Heymondo offers discounts when you renew your insurance with them for longer periods.

Final Thoughts:
Heymondo stands out for its unique and innovative coverage options at an affordable price. If you’re a digital nomad looking for solid insurance coverage, Heymondo is definitely worth considering.

Final thoughts

Digital Nomad Insurance: What You Need to Know

The digital nomad movement has grown so much that insurance companies now offer policies specifically for us. You’re not limited to just one provider either; more companies are adding digital nomad insurance every day.

Choosing the Right Insurance:

  • SafetyWing is a great starting point. It offers good value for your money and the flexibility you need while moving from place to place.
  • If you’re focused on excellent medical coverage, Genki Insurance could be a good option.
  • For a more comprehensive plan, Heymondo is worth considering. It offers a broader range of coverage.

Checking Policy Inclusions:
Make sure to check each provider’s policy inclusions to ensure it fits your needs.

Higher Coverage Needs?
If you need a higher level of coverage, you might want to consider health insurance. Read our comprehensive review of the best digital nomad health insurance options.


What is digital nomad insurance?
Digital nomad insurance is designed specifically for us. It’s flexible, offering the benefits needed for continuous travel without needing to return home.

Best Travel Insurance for Digital Nomads?
SafetyWing is often regarded as the best. They provide good benefits, flexibility in policy length, and automatic renewals every 28 days.

How much does Nomad insurance cost?
Digital nomad insurance typically ranges from $40 to $125 per month. The cost varies based on the company and policy chosen. Paying more doesn’t always mean better coverage; it’s essential to find a plan that covers what you need and fits your lifestyle.

The information provided is a summary and is general in nature. It’s not a recommendation to purchase. Coverage varies based on residence and is subject to terms and conditions. Always refer to the policy wording on the provider’s site.

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