The best travel insurance options for digital nomads


Travel insurance can protect your non-refundable bookings and reimburse you for any unforeseen emergency medical expenses you incur during your trip. However, the travel insurance needs of those who take several short vacations per year will vary from those of digital nomads, who can spend a significant portion of the year living and working abroad.

Digital nomads may also return home less often, travel with gear (e.g. laptop, camera, etc.), participate in adventurous activities, and be less concerned with health care coverage if they travel within a country where medical expenses are inexpensive.

With the prevalence of remote working and the increase in options for living and working abroad, here you will find some of the most popular travel insurance options for digital nomads.

Nomads of the world

World Nomads is a travel insurance provider that offers coverage to residents of many countries and allows you to extend your coverage mid-trip. It is underwritten by Nationwide Insurance. It’s important to note that the provider does not have a pandemic exclusion, so COVID-related claims are covered. However, World Nomads specifically states that fear of travel is not a valid reason for trip cancellation. So if you want the option of canceling a trip at your discretion, you’ll want to consider plans that offer Cancellation of coverage for any reason.

There are two travel insurance policies available from World Nomads: Standard and Explorer. The Standard plan has lower coverage limits and includes over 200 sports (including some adventure sports), while the Explorer plan adds 60 other activities and sports, including the more dangerous ones such as cage diving with the sharks, parachuting and paragliding.

Also see: Countries that will give you a remote work visa and how to access it

The inclusion of sports activities in both World Nomads plans is unique, as most traditional travel insurance plans exclude them.

Here is a list of what included with the cover of World of Nomads:

  • Cancellation, interruption and delay of the trip.

  • Emergency medical costs, evacuation, repatriation and 24-hour assistance.

  • Accidental death and dismemberment.

  • Non-medical emergency transport.

  • Delay and loss of luggage.

  • Damage to the rental car (Explorer plan only).

  • Sports and adventure activities.

And here are some things to note that are excluded (not an exhaustive list):

  • Pre-existing conditions.

  • War.

  • Self-harm or accidents occurring while intoxicated.

To see how World Nomads compares to other travel insurance providers, we looked at an example of a two-month trip to Italy by a 32-year-old New York resident.

How World Nomads Compares to Other Travel Insurance Providers.

Due to the lower limits and less coverage for adventure activities, the Standard World Nomads plan is priced at $ 221, which is significantly cheaper than the Explorer plan of $ 341. It is important to note that if the prepaid non-refundable travel expenses are greater than $ 2,500, the standard plan will only cover you up to $ 2,500 in the event of trip cancellation. In that case, you’ll want to consider the more expensive Explorer plan, which offers up to $ 10,000 in trip cancellation coverage.

A search of the insurance comparison site Squaremouth revealed a range of plans from other providers priced between $ 105 and $ 406 based on a travel cost of $ 2,500 (compare to the standard plan) and between $ 415 and $ 1,131 based on a travel cost of $ 10,000 (compare to Explorer’s Plan).

Good reading: Venice plunges back into “ victorious solitude ”

The most important benefit of World Nomads is the coverage of adventure activities, which none of the plans listed on Squaremouth offered. In this case, assessing the suitability of the plan has more to do with the type of coverage you are looking for than the price.


SafetyWing is another popular digital nomadic travel insurance option that also offers COVID coverage. You can purchase your policy while you are abroad, making it easier for those who are already traveling and decide to purchase insurance mid-trip. Unless you live in North Korea, Cuba, or Iran, you can purchase a SafetyWing policy. The default coverage term is 28 days and the policy will continue to renew unless canceled (maximum policy term is 364 days).

SafetyWing also provides US citizens with incident coverage in the US for up to 15 days every 90 days. Despite the US coverage, SafetyWing is supposed to provide medical and travel insurance while you are abroad; it does not meet the medical insurance requirement under the Affordable Care Act.


  • Interruption and delay of the trip.

  • Emergency medical and dental expenses.

  • Emergency medical evacuation, repatriation of remains and accidental death.

  • Lost checked baggage and lost visa / travel documents.

  • Return of minor children and pets.

  • Political evacuation and protection at the border entry.

Excluded (not an exhaustive list):

  • Pre-existing conditions.

  • Mental health disorders.

  • Intentional acts or harm suffered while under the influence of drugs or alcohol.

The cost of a SafetyWing policy depends on your age and whether you want coverage while in the U.S. For example, a four week policy for someone aged 30 to 39 who is not need coverage in the US will cost $ 40. If you want coverage while in the United States, the cost of the policy jumps to $ 73.

To compare the price of a four-week SafetyWing policy to other insurers, we researched Squaremouth using a four-week trip to Italy by a 32-year-old. We have included COVID-19 coverage but excluded trip cancellation from our research. The policies ranged from $ 12 to $ 90 and the price difference was due to different coverage limits.

Lily: Heathrow boss hopes for London-New York airlift by Thanksgiving

Overall, the ability to purchase a mid-term plan and have coverage in the United States is one of the primary benefits of a SafetyWing policy.

Atlas Travel Insurance

Atlas Travel Insurance offers plans for long-term travelers seeking medical coverage (including for COVID-19) and certain additional travel benefits (for example, trip interruption). When selecting a policy, you will need to specify whether you want to include the United States in your coverage area. Coverage limits decrease with age, and plans offer different levels of deductibles.


  • Emergency medical and dental expenses.

  • Medical evacuation and emergency policy.

  • Trip interruption; travel delay.

  • Lost checked baggage and stolen visa / passport.

  • Natural disasters and protections at the border entry.

  • Return of minor children and pets.

  • Repatriation of remains; accidental death and dismemberment.

Excluded (not an exhaustive list):

  • Many adventure sports.

  • Pre-existing conditions.

  • Mental health disorders.

  • Various diseases, including cancer.

  • Self-inflicted injuries and those occurring under the influence of drugs or alcohol.

To compare these plans, we used the same research as the previous example (which showed travel insurance plans on Squaremouth ranging from $ 12 to $ 90): a four-week trip to Italy by a 32-year-old. We have found that Atlas offers two plans: Atlas International and Atlas International Premium, which cost $ 43 and $ 105 respectively. The main difference between these two Atlas plans is that the Premium option offers higher coverage limits.

Also read: Is it safe to fly now? Are passengers getting sick?

Although Atlas plans are more expensive than those found on Squaremouth, Atlas plans seem to provide more medical expense coverage, which is an important consideration for long-term travelers and expats.

The bottom line

Expats and digital nomads have different travel insurance needs than the average traveler. choose a policy that matches your travel style is advised. If you are looking for adventure sports coverage, a World Nomads policy is your best bet. However, if these benefits don’t apply to you and instead you’d rather have the option of having medical coverage when you’re overseas (and to some extent when you’re in the US), consider SafetyWing or Atlas. , which provide this functionality. Importantly, all of these plans cover medical claims related to COVID, which is an important consideration if you are already abroad or planning to travel in the near future.

More from NerdWallet:

About Andrew Miller

Check Also

Bali collaborates with AirBnB for its “Live and work anywhere” campaign

Bali’s Ministry of Tourism and Creative Economy has announced its collaboration with Airbnb. As part …

Leave a Reply

Your email address will not be published.