11 Best Digital Nomad Insurance Companies Explained

Best Digital Nomad Insurance – How would you feel if you got to your dream destination to find out your luggage has been lost at the airport?

It’s not only frustrating but an extra cost to replace it all. If you have the right digital nomad insurance, this covers the expenses for when things go wrong.

But which is the best digital nomad insurance?

There are a lot of important things to consider when choosing travel insurance as a digital nomad.

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The guidelines here will enable you to find the best digital nomad travel insurance for your remote work.

In this article, 11 Best Digital Nomad Travel Insurance has got you covered.

Important Things Your Digital Nomad Insurance Should Cover

As a digital nomad, you have a different need than an average traveler. You have a longer trip and may stay out of your country for a very long time.

You will possibly take part in many extreme activities. And you could be traveling to dangerous corners of the world.

To stay safe as a digital nomad on your trip, you need to have a quality travel insurance policy.

More importantly, you need to take a look at the exclusions to know what is NOT covered. Make sure the things that matter to you most are covered in your insurance.

Some things that a good policy should cover are:

• Emergency coverage for health issues
• Emergency repatriation
• Cancellation of trips
• Missed flight
• Baggage
• Tech coverage

11 Best Digital Nomad Insurance Companies

1. World Nomads

World Nomads offers a service that allows you to extend your policy for a period of 12 months.

Admin & office work, gear coverage and over 150 other adventure activities like diving, trekking, and motorbiking are some of the huge benefits of the world nomads travel insurance policy.

National Geographic, Lonely Planet and Rough Guides recognize World Nomads as the most reputable travel company.

The packages they offer are designed for both short and long-term travellers.

Pros of World Nomads

• They have a flexible plan that you can renew at any time which covers almost $3000 worth of gear – $500 more than most travel insurance companies!
• Cover unexpected Medical Expenses abroad or emergency dental treatment.
• Emergency medical evacuation
• Delayed and missed flights
• Lost or Missing luggage or personal belongings such as camera, mobile phones and laptops.
• Adventure activities such as scuba diving, bungee jumping, mountain biking, and skiing

What’s Not Included/Cons of World Nomads

• There is an Age Limit of 70 for certain packages.
• Pre-existing medical conditions or primary health insurance.
• For an accident coverage caused by a scooter, you need an International Driver’s License.
• Pre-existing medical conditions.
• Personal items left unattended in a public place.
• Gear damaged while in use
• Eyeglasses
• Cosmetic procedures

Note: these packages are dependent on your destination and country of origin.

2. Travelex

Most digital nomad insurance companies do not offer packages that include both gear protection and medical coverage. This is the reason digital nomads love Travelex.

They offer an almost-free package for young children under the age of 17.

What’s Included

• All equipment is covered
• Travel Protection Benefits
• Trip Cancellation/Delay

What’s Not Included

• Equipment coverage is not applicable for all citizens

3. Safety Wing

Safety Wing aims to “specifically meet the needs of freelancers and entrepreneurs and also ensure global safety”

They offer medical insurance that costs as low as $37 for a duration of 4 weeks if your dream destination is the US. Most hospitals and clinics, they support direct billing for digital nomads.

An interesting thing to note is; as a digital nomad, Safety Wing offers a travel medical insurance specifically made for you.

You can purchase it while traveling and there is no stipulated limit on how long you should travel.

A global primary health care is provided by Safety Wing which most other primary health insurance companies do not offer for digital nomads. So if primary health insurance is your main priority as a digital nomad, Safety Wing is recommended.

Safety Wing’s platform is very easy to use and it has great customer service. This makes it one of the best digital nomad travel insurance companies.

What’s Included

• Unexpected medical issues abroad
• Global Primary Health Insurance
• Emergency medical evacuation
• Travel delay
• Lost checked luggage
• Health coverage in your country of origin for a period of 90 days. In the US you are covered for 15 days, or 30 days if you’re not from the US

What’s Not Included

• Routine checkups
• Preventative care
• Coverage for pre-existing medical conditions
• Equipment and thefts of personal belongings
• Tech coverage

If primary health insurance and tech protection are your main priority as a digital nomad, Safety Wings medical insurance is a top choice.

4. True Traveller 

True Traveller’s travel insurance policy is not only the cheapest travel insurance for residents from EEA countries and the UK.

But it’s specifically designed for digital nomads who love adventure activities.

So if you love rock climbing, safari tours, and trekking, True Traveller’s Nomad travel insurance covers you. They offer different plans such as a gap year trip, a multi-trip and a one-way trip.

They offer great professional customer service at an affordable price. Or you can cover sports gear and medical expenses.

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

But, if you don’t know exactly how long you’ll be traveling for, give these guys a miss, because they have the most ridiculously expensive extension fees.

What’s Included

• Great discounts
• Limitless home visits
• Possible to purchase whilst on the road
• Adventure activities
• Delays—civil/natural
• Medical repatriation

What’s not included 

• Not available to people who are non-members of the UK and other EEA Countries
• Does not cover private medical treatment
• Extensions costs are high

Related posts:

• – The step-by-step guide on how to become a digital nomad
• – Digital nomad Philippines: why it’s a top destination to live, work and play
• – 25 top recommended tools for digital nomads to keep productive

5. IMG Global Expat Insurance

IMG Nomad Travel Insurance covers extreme activities such as helicopter rides, diving and rock climbing.

Their insurance policy is designed to give you the coverage that you desire in any part of the world.

Travelers such as international Diplomats, Missionaries and Marines prefer IMG Digital Nomad Travel Insurance over others because of the extreme activities package. They also offer digital nomads medical insurance known as Patriot Travel.

Several things like age and health status do not affect the cost of the IMG Nomad Travel Insurance plans. They are very cheap and young adults can pay as low as $100 for each month.

What’s Included

• Emergency evacuations
• Medical coverage up to $500,000
• Platinum plan offer political repatriation and evacuation.
• Emergency Reunions
• Platinum plan offer maternity benefits.
• In case of death, they return remains to your home country
• Unlike other nomad travel insurance companies, they cover pre-existing medical conditions

What’s Not Included

• The bronze plan covers mental healthcare
• Maternity benefits only in the premium plans
• Podiatry care for only Bronze and Silver plans
• Complementary care for only Bronze and Silver plans

This over 25-year-old insurance company has an impressive cancel for any reason coverage. Seven Corners travel insurance offers 24-hour assistance to help travelers with any issues.

6. Seven Corners

What’s Included

• Reimbursement after trip cancellation/delay
• Cancel-for-any-reason (CFAR) coverage
• Emergency medical/dental protection
• Emergency evacuation coverage

What’s Not Included

• Coverage for pre-existing medical conditions

There are some exceptions for the pre-existing medical conditions for travelers who buy the round-trip choice and round-trip Elite plans.

7. Allianz Travel Insurance

Allianz travel insurance policy permits you 24/7 assistance no matter your destination — abroad or domestically. They basically offer two travel insurances to digital nomads namely: Travel Care and Travel Easy

What’s Included

• Death arising from accidents
• Medical coverage up to $350,000
• Emergency medical evacuation
• Emergency repatriation
• Deposit and/or trip cancellation (up to $25,000)
• Luggage coverage
• Lost document replacement
• Travel delays
• Sports activities
• Mountaineering

What’s Not Included

• The Sports and mountaineering coverage plan is not available for senior citizens
• Yearly plan coverage is not available for seniors and families in some countries

8. Travel Guard

Travel Guard is another travel insurance firm that provides both medical and equipment coverage.

They offer three packages — Silver, Gold and Platinum, which makes them budget-traveler friendly.

What’s Included

• Suitable for all budgets through 3 packages: silver, gold and platinum.
• Emergency medical services and equipment coverage is available for all packages.

Cons of Travel Guard

• Available for only U.S. citizens
• Hard to contact customer service
• Age determines the price of coverage for each traveller

8. APA

APA offers the best digital nomad travel insurance for photographers. If you’re a photographer with almost $3000 worth of gear, then APA is the best choice for you. Their gear coverage is higher than other travel insurance companies.

Digital Nomads who are interested in sports and adventure activities, may need to look elsewhere as APA’s policy do not cover them.

What’s Included

• Plans cover photo equipment up to $21,000
• Professional customer service
• Plan 2 covers office items and up to $2000 general liability

What’s Not Included

• Sports coverage
• Medical bills
• Trip cancellation or delay
• Adventure activities

9. Insure My Equipment

Insure My Equipment travel insurance offers a very high-value tech coverage package similar to APA.

But their tech coverage is not limited to photography. It is also available for a wide range of other professions. 

What’s Included

• Equipment coverage
• Natural disaster damage and equipment coverage
• Coverage for incidents in home country and destination

What’s Not Included 

• Medical expenses
• Adventure Activities

If you’re a photographer or a techy professional and you’re looking for a policy to cover your gear, then Insure My Equipment is a good choice.

10. Protect Your Bubble

With Protect Your Bubble Digital Nomad Travel Insurance Policy, you can get coverage for your tech for less than £15 a month in the UK.

Worldwide coverage, unlimited repairs, theft, damage, and mechanical breakdown is also covered.

With a very low insurance fee, monthly installment payments are available with Protect Your Bubble.

If you are on a budget or a student traveler, Protect Your Bubble is a great choice for you.

What’s Included

• You can choose the exact items you want insured
• They offer coverage in country of origin and abroad
• Highly flexible and suitable for those on a budget

What’s Not Included 

• ONLY available for residents of a few countries
• Medical coverage
• Some tech equipment is not covered
• Delayed travel

11. TCP Insurance

Digital Nomads like TCP Insurance because they offer an affordable package with great customer service.

With flexible tech insurance, you can cover photo and video tech and at the same time, have computer coverage in every package. You’d need to purchase medical coverage and trip cancellation elsewhere as they are not covered by TCP.

What’s Included

• The package includes both domestic and international coverage
• Computers are inclusive

What’s Not Included

• Video and photography equipment covered separately
• Strictly for U.S. citizens only
• Medical coverage
• Trip cancellation/delay

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This article is a guest post written by Godswill Okechukwu. He is a civil engineering intern and enthusiastic content writer. Find more of his writing on Medium.