nomad travel insurance nz

Top Travel Insurances for New Zealand You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

New Zealand is known for its breathtaking landscapes, including glaciers, fjords, and the Southern Alps, as well as its unique Maori history. Visitors also come to experience the adventure activities, such as hiking, skiing, and rafting, and to see the unique wildlife like the Kiwi bird. Although travelling to New Zealand can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to New Zealand and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

New Zealand Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for New Zealand:

Best Travel Insurances for New Zealand

• 01. Should I get travel insurance for New Zealand? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to New Zealand scroll down

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Do I Need Travel Insurance for New Zealand?

No, there's currently no legal requirement to take out travel insurance for travel to or through New Zealand.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to New Zealand or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for New Zealand:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to New Zealand. It lets you choose between various plans tailored to meet the specific needs of your trip to New Zealand, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for New Zealand:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to New Zealand? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to New Zealand

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for New Zealand. However, we strongly encourage you to do so anyway, because the cost of healthcare in New Zealand can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Nomads Travel Insurance

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It is recommended that all travellers arriving into New Zealand are covered by comprehensive travel insurance.  We recommend using a well known operator such as Nomads travel.  You can get a quote from them direct using the tool below:

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Travel Insurance in New Zealand

Here at Planit NZ, we highly recommend you take out a comprehensive travel insurance policy before setting off on a trip to New Zealand.

When heading out on any adventure abroad, buying travel insurance should be a part of your pre-trip planning. You'll be buying much needed peace of mind that if something should go wrong while on your adventure in New Zealand, you're covered . Travel insurance provides a wealth of cover while traveling outside of your home country - medical care whilst abroad as well as protection in the case of:

• Lost or stolen luggage / personal belongings
• Trip cancellation
• Emergency dental treatment
• Emergency evacuation back to your country of residence

At Planit NZ, we have two main suggestions when considering travel insurance: First , we highly recommend  World Nomads .  Why? They offer great value travel insurance that is flexible, comprehensive and most importantly for your visit in New Zealand - they cover a wide range of adventure activities. Second , regardless of who you book your travel insurance with, be sure to read the policy fine print carefull y. We can guarantee it won't be the most exciting piece of reading you'll do before your adventure in New Zealand, but it's hugely important. Read the fine print and hone in on the exclusions .

Why We Reccommend World Nomads

World Nomads ' policies are designed with backpackers and independent travelers in mind. Their polices are comprehensive and the coverage they offer is good value for the price you pay. Equally important, you can easily buy their insurance online, extend your policy (because we know you'll love New Zealand) and heavens forbid if something goes wrong, you can even make a claim online .

What You Should Know about World Nomads

Reliable Underwriters ::   World Nomads ' policies are backed by trusted underwriters who offer premium 24 hours a day, 7 days a week emergency assistance and customer support.

Flexible Coverage ::  You can claim online and extend your cover indefinitely 24 hours a day, 7 days a week from anywhere in the world.

Coverage for a Range of Adventure Activities ::  From white-water rafting, to skiing, to bungy-jumping or paragliding, World Nomads has you covered for New Zealand's  adrenaline inducing activities .

Who can buy World Nomads? ::   World Nomads travel insurance is available to residents of over 150 countries.

How to buy it? ::  World Nomads insurance is only available to purchase online with a credit card.

Questions? :: We consider ourselves experts on New Zealand, but but don't claim to be experts on all travel insurance policies. If you happen to have more questions on what policy is right for you, check out the FAQ page and contact the World Nomads team directly from there.

If you decide to travel with your furry friend, we also recommend checking for a dog insurance comparison on sites like comparesies.com. Traveling with a dog can be challenging, and every issue could cost you a lot if you don't have it covered.

The Planit NZ Team uses World Nomads when exploring New Zealand or traveling overseas as we believe they offer a top-quality product designed with travelers like us in mind. If you choose to buy World Nomads and purchase the insurance following a link on this page, we might receive a small percentage of the sale. Thanks in advance.

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Which Is The Best Travel Insurance On The Market?

This is not as simply answered as you may think. When it comes to travel insurance, finding the best travel insurance for your trip requires you to think about the type of holiday you are going on and the level of cover you will need. It is about matching your needs to the various insurance policies on the market and weighing up the options.

The easiest way to explain this is:

Different travellers + different trips + different budgets = different travel needs.

1. Determine The Type Of Cover You Need

There are different levels of cover available to suit the needs and budgets of different travellers. Holidaymakers should   look at the cover available and identify what you need and what you don’t need. There is no point paying top dollar for luggage cover, if you're only travelling with a backpack and fresh undies.  The best travel insurance is one that covers you for your particualr trip, whether that's a big international trip or a  domestic  weekend break.  Don't pay for more cover than your trip requires.

Overseas medical cover and personal liability cover are often considered to be the most essential coverage items.  These are standard in most basic travel insurance policies.  More comprehensive policies will include additional cover for things like cancellation cover and luggage and personal belongings.  If you have pre-paid your flights and accommodation a comprehensive policy may be the  best travel insurance  for you.

2. Compare, Compare, Compare

Comparing policies is a great way to find the right travel insurance for your needs. All insurers offer different benefits and pricing, so once you’ve identified what level of cover you need, the next step is start comparing to find yourself a good deal.

Comparison sites such as ours will help you do this. You simply enter your details in the quote box and you’re provided with a comparison of all the features and price in seconds.

3. Cheapest Is Not Always The Best

One of the biggest mistakes travellers make is purchasing a policy based on the cheapest price. Selecting the cheapest can sometimes mean missing out on valuable coverage options. The key is to get the right level of cover at the best price.

4. Not All Policies Are Created Equal

When shopping around for travel insurance in New Zealand, you may notice that many different brands are underwritten by one of a few big insurers, such as Allianz Australia Insurance Limited, Certain underwriters at Lloyd's, QBE Insurance Limited and others. Whilst they look similar on first glance, they will almost certainly not be the same. Each insurer negotiates a product policy and chooses what to include or exclude. So think about your trip and planned activities that you need cover for.

5. Get The Best Bang For Your Buck

With so many travel insurers in the market, how do you really know who covers more than the other? The ideal policy is one that provides real value for money. Some insurers definately do cover more than others. Luckily we've done all the hard work for you. If you want to know who offers the best cover for expensive items, or who has the best single item limit - see who really covers more in our handy guide right here.

6. Read The Print - Small Or Not

Whilst it can be extremely boring, the fine print in any policy needs to be read and understood. Understanding the insurance exclusions and loopholes will help you to avoid placing yourself in situations that your insurer will not cover.

Some additional considerations when purchasing a policy are:

• Is the insurer reputable?  Speaking with a few travellers and reading  travel insurance reviews  by customers can often reveal a very different tale to testimonials featured on the insurers’ site.
• Do they offer emergency assistance?  A 24-hour medical assistance hotline will be extremely useful to you if you are having troubles overseas.
• What is the excess?  The amount you pay in the event of a claim varies between insurers and may vary depending on the claim type. For instance, you may not have to pay an excess for medical claims but pay $200 for lost belongings claim. Make sure you’re comfortable with the excess amounts. You can often remove the excess by paying an additional fee around the $25 mark.
• Exclusions -  Even the best policy won't provide cover for everything. You should pay attention to your policy's exclutions before you set off. Typically you're not covered if you put yourself in danger (e.g. some  high risk activities  like skydiving might not be covered); for any items that you leave unattended which are then lost or stolen; or for any medical conditions you had before you left for your trip.

The best travel insurance is out there. All travellers have to do is have a clear understanding of what they need cover for and match this to the right provider.

Compare Comprehensive travel insurance

**Please note, the table above shows the listed insurer's most comprehensive policy - international trips only ** The information provided is of a general nature only and does not take into account any particular personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal objectives, needs and circumstances.  Cover levels could change at any time.

WHAT DOES TRAVEL INSURANCE COVER?

24/7 Medical assistance

Don't fret should you get sick or injured on your trip, because this is exactly why you're buying protection for your holiday. Travel insurance covers your medical expenses for injury or illness including hospital stays, surgery, dental, prescription drugs and doctor visits.

cancellation cover

Sometimes trips just don't go to plan! Cancellation benefits cover the cost of rearranging or cancelling your journey because of unforeseen circumstances such as illness, accidents and extreme weather conditions. Remember, cover starts from the day you buy your policy not when your trip starts :)

Lost or damaged Luggage

It's a real pain in the ar*e when your stuff is lost, stolen or doesn't show up. At least if disasters happens on your holiday your policy will replace or reimbuirse you for your baggage and personal items if they disappear or are damaged.

Travel delays

Bummer, your flights delayed, now what!? If your transport is postponed due to an unforeseen reason, your out-of-pocket accommodation, meals, and transport costs would be covered until you get back-on-track. Note, this benefit probably won't kick in if you only have a short delay which is less than 6 hours. 

family emergency

It's always a worry going on holiday leaving loved ones behind. Never fear, should a close relative, or the person you’re travelling with become seriously ill, injured or heaven-forbid die, your travel expenses would be claimable. Restrictions can apply for relatives age, medical conditions and where they live. 

Personal liability

A lawsuit would certainly put a dampender on your dream holiday. Relax as you're covered in the event that you are found to be legally liable for accidental injury or damage you may have caused to another person or their property whilst on your trip. 

WHAT DOESN'T IT COVER?

Other handy  tips & guides.

What activities are covered?

Are you a self-confessed adrenaline junkie? If you’re planning on doing some risky activities on your trip make sure you know if they’re covered, as not all of them are!

Pre-existing medical conditions

Having pre-existing medical conditions doesn't mean you can't get cover or that it has to be expensive. It simply means that you need to dig a little deeper when doing your research.

Pregnancy travel insurance guide

Not all insurers will cover you automatically if you’re over 22 weeks gestation or have had pregnancy complications. See which companies offer cover for pregnant women.

Our Travel Insurance Comparision Helps You

Save time, worry and loads of money.

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Your privacy is important to us.

CoverDirect NZ Limited (INC 3526051) owns and operates this website.

Our comparison is a free service that makes it easy for users to compare multiple quotes, saving both time and money. Our comparison ranks quotes according to price and is limited to those insurers that have agreed to participate on the site. CoverDirect NZ Limited does not hold a financial services licence. The comparison does not take your personal circumstances into account; as such, all information provided should be considered general and should not be considered as advice or a recommendation. Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. Pricing information is supplied by the insurance providers and ALL policy details should be verified with the before you purchase. This site links users to the website of the insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase. We do not issue insurance. Users purchase directly from the travel insurance provider.

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Insurance for nomads

Travel medical insurance. We cover people from all over the world, while outside their home country.

Buy while abroad

Sign up for Nomad Insurance before you depart or at any point during your journey abroad.

Global coverage

Travel with continuous coverage across 180+ countries. US coverage is extra.

Simple claims process

Tell us what happened and submit supporting documents to get your money back.

24/7 human support

Our friendly customer care specialists respond in less than a minute via live chat.

Pricing calculator

Customize your policy to see how much Nomad Insurance will cost you.

Currently only available to non-US residents

US coverage

Adventure sports

Electronics theft

Paid every 4 weeks, cancel anytime

We've got you covered

Read the full policy to see what we cover as well as what we do not cover. If you have any questions, you can always reach out to our friendly customer care team.

If you get sick or injured while abroad

• hospital stays
• nursing care
• ambulance for hospitalization
• diagnostics like MRIs
• extended care after hospital
• prescriptions
• emergency dental (up to $1000)
• and more...

Evacuation to a better equipped hospital when you need it

Lost checked luggage

Injuries from leisure sports & activities

Motor accidents

Flights home if something bad happens

Meals & accommodations if you have a travel delay over 12 hours

Continued coverage for visits back home

Transporting your body home or a local burial if you die

Policy maximum limit

US$100,000 for US residents over 65

We do not cover

Our exclusions include high-risk or professional sport activity, pre-existing conditions, cancer treatment, lost or stolen personal belongings, trips that were cancelled before you left

Wesley Dekadt

Frequently asked questions

Where can i travel with nomad insurance, can i buy nomad insurance, what are the benefits of auto-extending my policy every 28 days, how do i cancel my plan, how do i file a claim, ready for your nomad adventure.

World Nomads Travel Insurance Review: Is it Worth it?

On my last trip across Europe, I lost a dental filling. Not the worst thing in the world, but overseas, that minor issue could have easily turned into a major expense. Luckily, I had travel insurance, saving me from a potential nightmare .

The thing is, your regular health insurance rarely covers you abroad. That's why having travel insurance is so important . World Nomads promises to protect your trip, your stuff, medical emergencies, and even all those adventurous activities you might try.

But does World Nomads actually live up to that promise? Whether you're an adrenaline junkie or, like me, prefer a leisurely stroll and a good restaurant, this review will help you decide. Ready to find out if it's worth it? Let's dive in!

World Nomads

World Nomads is one of the first travel insurance companies designed for adventurous, independent travelers. They offer flexible coverage for medical emergencies, trip cancellations, lost or stolen gear, and a wide range of adventure activities. Pros 

• Covers 200+ activities
• Offers multi-trip coverage 
• Offers coverage up to 6 months
• For trips over 6 months the policy lapses and must be renewed
• Mixed customer service reviews

What We Like About World Nomads Travel Insurance

Getting protected is fast and easy.

One of the best things about World Nomads is how quick and simple they make it to get covered. Everything's done online – you can get a quote and buy your policy in just a few minutes, all on their website .

Your coverage kicks in as soon as your trip starts . And if you're the type who sometimes forgets things during pre-trip excitement (I know I do!), no worries. You can still get protected while you're already on the road , though there might be a short 72-hour waiting period.

Here's a quick rundown of how this travel insurance works:

Head to the World Nomads website and click "Get A Quote".

Pop in your travel details (where you're going, where you're from, and your dates).

Boom! Instantly see quotes for both their Standard and Explorer plans – pick the one that fits your adventure.

Double-check your coverage details and you're all set!

Plans are flexible and comprehensive

World Nomads always have the right plan for your trip, whether you're off on a short adventure or settling in abroad for a while. Let's break down what they've got.

Standard Plans vs. Explorer Plans

World Nomads keeps things simple with two main plans: Standard and Explorer . Both cover the essentials like medical emergencies, cancellations, and your gear. Naturally, Explorer plans boost your coverage limits and protect more activities – but they also cost a bit extra .

Here's a quick side-by-side to make the comparison easier:

• Trip protection : Stuff happens, unfortunately. Both plans have your back if you need to cancel for reasons like a family emergency or a natural disaster. Standard plans cover up to $2,500 , Explorer bumps that up to $10,000.
• Emergency evacuation: This covers transportation if a serious situation arises, like a family member passing away or needing urgent hospitalization. Standard offers up to $300,000 , Explorer up to $500,000 .
• Emergency medical care: Accidents and sudden illnesses can happen anywhere. Both plans have you covered for up to $100,000 for those unexpected medical needs.
• Lost or damaged gear: Take it from someone who's been there – this is very important! Both plans help replace your damaged, lost, or stolen bags, tech – all the important stuff. Standard covers up to $1,000, Explorer up to $3,000.
• Activities: They cover over 200 activities , but if you're an adrenaline junkie, definitely double-check what's included. More on that later in this review!
• Accidental Death: Standard plans will pay a death benefit of $5,000 , if you pass away because of an accident or are dismembered. Explorer plans will pay $10,000 .

Single and Multi-Destination Coverage

World Nomads works whether you're sticking to one country or traveling to multiple destinations .

Their multi-destination plans make things super easy – a huge relief if something like your passport goes missing on the road!

Long-Term Coverage

If you're a US-based digital nomad , World Nomads has you covered for up to 6 months at a time .

And if you're loving your temporary home abroad and those 6 months fly by, renewing your policy is extremely easy – it kicks in right at midnight the next day .

Adventure Without Worry with World Nomads

They cover your favorite activities, wherever you roam.

They cover over 200 activities

Let's be honest, if you were just going to work the whole time, you might as well stay home! World Nomads gets that exploring is a major part of the digital nomad lifestyle! So, they offer one of the best travel insurances for adventurous travelers, covering over 200+ activities .

In their Standard plans alone, World Nomads covers over 70 sports and activities, including:

• Soccer (or football, whichever you prefer!)
• Weight training 
• Martial arts

Explorer plans go even further! But hey, every insurance plan has its limits, and super high-risk activities usually aren't included. So, before you start packing those hiking boots or your scuba gear, be sure to double-check their website for the full list of what's covered .

Some Things to Keep in Mind about World Nomads Travel Insurance 

Common exclusions still apply.

Like any insurance, World Nomads has some limits on what they'll cover. If you get hurt doing something illegal, while under the influence, or that's considered seriously reckless...chances are World Nomads won't be covering you .

Pre-existing medical conditions also tend to be excluded . For this reason, it's always smart to read the not-so-fun parts of your policy – those exclusions – to make sure you understand them and ultimately find the best travel insurance for your circumstances.

It's not the cheapest option out there

World Nomads is perfect for adventurous travelers . But for someone like me whose main sport in the morning is a gentle yoga routine, or a dip in the ocean, you might find more budget-friendly travel insurance options .

After all, World Nomads covers a ton of riskier activities and emergency medical care , which understandably comes with a slightly higher price tag .

To give you an idea, a World Nomad Standard plan for a 45-year-old US resident traveling to Europe for 90 days (about 3 months) is roughly 3% more expensive than a comparable SafetyWing plan . That difference gets even bigger for younger travelers – almost twice as much for someone who's 25.

You might also be interested in:

Customer service reviews are mixed

While World Nomads offers 24/7 emergency assistance (which is crucial!), their everyday customer service gets mixed reviews.

World Nomads travel insurance has 3.4 out of 5 stars on Trustpilot. There, you'll find plenty of happy customers praising their easy claims process and the support they felt in a crisis .

But, others mention issues with missing paperwork, their website, or frustrating claims experiences .

It's not ideal for long-term travelers

World Nomads does offer plans for longer trips, but if you're planning to be away for more than 6 months, there are some things to keep in mind:

• Coverage gaps: Ugh, the worst. Your policy will automatically expire after 6 months , and when you renew, there's a waiting period before your new coverage starts . Not ideal! Other travel insurance companies like Safetywing or Genki let you extend your policy without any breaks in coverage – kind of like a subscription service, which is definitely easier.
• Prices can vary: World Nomads prices your policy based on where you're going. Some other companies offer a flat rate for multiple destinations, which could potentially save you some money.
• Pre-existing conditions aren't covered : As discussed before in this guide, World Nomads excludes treatment for pre-existing conditions. You might find other travel insurance companies that provide that for long-term digital nomads or expats .

Making a Claim with World Nomads

World Nomads makes the claims process as straightforward as possible with an online guide – that's always a good sign!

But remember, they're not your everyday travel medical insurance . They're designed for those unexpected emergencies – hospital stays, evacuations, those major situations. For smaller issues, you'll probably need to pay upfront and get reimbursed later . And if it's a serious emergency, always contact their emergency assistance team first!

How you file a claim might change slightly based on your location, but the general process is the same:

Collect your receipts and keep them safe! You'll need them.

Head to their website , log in (or create an account) and click "Make a claim".

Select your policy in their dashboard and file a separate claim for each incident .

Answer their questions regarding your claim.

List your expenses and provide answers to their questions.

Upload those receipts and any other supporting documents they request.

Submit your claim – you'll receive an email confirmation from Trip Mate and your claims number. 

If any further information is required, you'll be contacted by Trip Mate . Once all your information is received, they will make a determination about your claim within 20 business days . Claims are paid by electronic email or check .

Are There Any Travel Insurance Alternatives to World Nomads?

World Nomads isn't the only product on the travel insurance map. Other companies offer travel plans with different features and coverage amounts. Let's see the top alternatives.

SafetyWing offers pay-as-you-go coverage at affordable rates in over 180 countries . Their plans are nomad-friendly as you can pay upfront for a specific amount of time or continuously every 4 weeks, with the right to cancel at any time . Medical care doesn't have to be provided by a medical professional within their network, so you can visit any local provider and then file a claim.

The downside is the maximum amount of coverage they provide is $250,000 for medical coverage, property, and travel delay.

Genki provides both travel insurance and international health insurance . Their travel insurance plans resemble other policies regarding medical care, activities, and emergency transport. Where Genki really stands out is with its international health insurance plan, Genki Resident . This coverage is most like a comprehensive health insurance plan. It covers pre-existing conditions, check-ups, mental health treatments, pregnancy and more . You can choose a deductible to lower the cost of your travel health insurance and choose between the Standard and Premium of their international plans.

Heymondo offers annual multi-trip coverage and travel insurance with varying benefit levels to choose from. You can download their app to get assistance at the drop of a dime. You can chat, make emergency calls, and manage incidents all through the app.

The Bottom Line

World Nomads deserves kudos for becoming one of the first travel insurance companies to consider the needs of digital nomads , way before the world went remote due to Covid-19.

But the world of travel insurance has expanded since then , and so have our options as frequent travelers. If you're the type who needs coverage for serious adventure activities, World Nomads is still a great option. But, for those of us who prefer a budget-friendly plan with solid basics, there might be better deals out there .

So, before you commit to World Nomads, check out other travel insurance companies . You just might find the perfect fit for your travel style (and your wallet!).

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Heymondo Review: Is It a Good Travel Insurance?

Wise travel debit card review: fees, exchange rates, limits and how to use it, how to set up and manage an esim on iphone.

• World Nomads Travel Insurance Review

World Nomads Plans Available

World nomads travel insurance cost.

• How to File A Claim with World Nomads Travel Insurance

Compare World Nomads Travel Insurance

World nomads travel insurance faqs.

• Why You Should Trust Us

World Nomads Travel Insurance Review 2024

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If you're looking for travel insurance that allows you to confidently participate in a wide range of sports and adventure activities around the world, then World Nomads Travel Insurance might be right for you. The company's policies cover travel to almost anywhere on the globe and are available to residents of nearly every country. 

World Nomads Travel Insurance Summary

Among the best international travel insurance companies , World Nomads is particularly good at insuring athletes, covering well over 300 sports, including skydiving, bungee jumping, and golf. World Nomads is also a great last-minute purchase, allowing you to purchase coverage even after your trip has started. However, if you purchase a plan after departure, you will have to wait 72 hours before your plan kicks in.

That said, World Nomads lacks crucial coverage options, such as cancel for any reason coverage and coverage for pre-existing conditions. It also doesn't insure travelers older than 70.

Additionally, the service has received middling reviews from customers, averaging 3.4 stars out of five across 2,510 reviews. Customers often complained about their lengthy claims processes and poor customer service.

Some also took issue with the "Nomads" branding, as some travelers with multiple destinations and long-term trips found their trip wasn't covered by Nomads' specific policies. It's worth noting that World Nomads was very responsive to positive and negative reviews on Trustpilot.

World Nomads has two basic policies: Standard and Explorer. Each covers essentially the same things, but Explorer has higher amounts than World Nomads is willing to pay out for claims. The company's policies cover more than 150 specific activities. These range from bungee jumping and rock climbing to hang gliding and hot-air ballooning. You can see the full list on the company's website.

Additional Coverage Options (Riders)

One of the most common upgraded features of a travel insurance policy is cancel for any reason (CFAR) , where you really can cancel for reason beyond what's in a standard policy. This is not available on every policy, but it is often a feature that travelers are looking for while shopping for travel insurance before their trip. At this time, World Nomads doesn't offer CFAR coverage.

At the time of this review, World Nomads also offers sports equipment coverage. In February of 2022, it expanded coverage to include more than 150 sports and activities including Pickleball and FootGolf. It currently covers over 300 sports. So, as you can imagine, plans with sports coverage will cover virtually any sport you might play.

You can obtain a quote from World Nomads on its website by providing details about you and your trip. Be prepared to provide the following information:

• Your destination(s)
• Duration of trip
• Your country of residence
• State of residence (if you're from the US)
• Number of travelers
• Traveler(s) age

Notably, World Nomads does not ask you for the price of the trip, which many travel insurance companies factor into the trip of your policy. As such, World Nomads may be a good option if you're going on a particularly expensive trip. 

We ran a few simulations to offer examples of how much a World Nomads policy might cost. You'll see that costs usually fall between 5% and 7% of the total trip cost, depending on the policy tier you choose.

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  World Nomads travel insurance quotes:

• World Nomads Standard: $76.58
• World Nomads Explorer: $123.34

Premiums for World Nomads's plans are well below the average cost of travel insurance .

World Nomads provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• World Nomads Standard: $85.83
• World Nomads Explorer: $155.06

Once again, premiums for World Nomads plans are between 2.2% and 3.8%, below the average cost for travel insurance.

A couple of 65-years of age looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following World Nomads quotes:

• World Nomads Standard: $152.96
• World Nomads Explorer: $276.34

Premiums for World Nomads plans are between 2.6% and 4.6%, once again below the average cost for travel insurance. This is especially impressive as travel insurance is often more expensive for older travelers.

How to File A Claim with World Nomad Travel Insurance

You can start an insurance claim by filing it on the company's website. 

You can call toll-free in the US and Canada if you need to reach the company in an emergency at: (877) 289-0968.

Callers from outside the US and Canada can reach the company at: (954)-334-8143.

The email address is: [email protected]

You'll need to have the following ready to file a claim:

• Your policy number
• A contact number
• The nature of your problem
• Your location
• Prescribed medication (if any)

Keep any documents related to the claim you're filing, including receipts, notices, and invoices.

World Nomads is particularly good at insuring traveling athletes, but let's see how it stacks up against the best travel insurance companies .

World Nomads Travel Insurance vs. Allianz Travel Insurance

Allianz Travel Insurance is a strong competitor against World Nomads, especially for travelers looking for a more business-oriented option. The company has been in business for more than 120 years and offers a wide range of insurance, not just travel-related, around the world. A key difference between World Nomads and Allianz Travel Insurance is that Allianz Travel Insurance offers travel insurance that can cover multiple trips in the same year. You can take an unlimited number of trips within the same calendar year, but you do have to double-check that all of your destinations are covered by the policy you select. 

Another difference is that Allianz Travel Insurance offers pre-existing condition waivers for qualifying customers. World Nomads doesn't have the same coverage, requiring that the pre-existing condition is fully stable in order for limited coverage with respect to trip cancellations or having to end a trip early. 

Read our Allianz travel insurance review here.

World Nomads Travel Insurance vs. AIG Travel Guard

Travel Guard , a product backed by AIG Travel, is another potential alternative to World Nomads. AIG is a prominent player in the insurance industry, and the Travel Guard product represents true global coverage. 

Unlike World Nomads, Travel Guard has coverage for pre-existing medical conditions, but there are conditions. Travelers must purchase their policy within 15 days of the initial trip payment to qualify for a pre-existing condition waiver. 

Both travel insurance companies use a tiered approach, but Travel Guard has higher dollar amounts across the board. For example, trip cancellation for Travel Guard covers 100% of the trip cost, while with World Nomads the amount will depends on the tier of the coverage you purchase. Trip Interruption is also a fully covered event with Travel Guard's. Depending on the plan selected, it will either cover 100% or 150% of the trip cost. 

If you're concerned about COVID-19 coverage with trip insurance, there's more coverage with World Nomads than Travel Guard. With Travel Guard, coverage for having to stay in a country past your original booking dates is an add-on, not a standard part of the policy. 

Read our AIG Travel Insurance review here.

Compare World Nomad vs. Credit Card Travel Insurance

If you already have a major credit card in your wallet, you most likely have some travel insurance benefits that come with it. These benefits do vary from card to card. Be sure to check your card's specific policies.

Not all credit cards will feature travel insurance protection. The ones that do may have specific limitations. For example, many credit cards with travel protection require that your airfare is paid for with the card in question for protections to take effect. 

Reimbursement isn't guaranteed. The credit cards do require that you file your claim and wait for a decision. World Nomads makes it easy to file a claim online and submit receipts and documentation. The response is fairly quick based on reviews from travelers who have actually had to file claims. 

The more premium the credit card, the more likely expanded travel protections are part of its features. If you don't already have a premium credit card, it's better to get travel insurance. This is also the case if you have multiple trips planned. Some credit cards limit not just the total dollar amount, but the number of claims within a 12-month period.

Read our guide on the best credit cards with travel insurance here.

Yes, you can extend your World Nomads plan while traveling, but you cannot upgrade a standard plan to the Explorer plan. 

World Nomads covers COVID-19 like any other illness under its emergency medical coverage.

You can file a claim on World Nomads's website, over the phone, or by mail. Make sure to provide as much documentation as possible to ease the claims process. 

World Nomads currently covers 326 sports and adventure activities, from ziplining to zorbing.

Yes, you can purchase World Nomads insurance for a trip that has already started. However, a policy purchased during your trip will have a 72-hour waiting period before insurance starts.

How We Reviewed World Nomads Travel Insurance

To prepare this review on World Nomads, we started by detailing the company's travel insurance offerings. Then we looked at the best travel insurance plans and compared them to World Nomads. We looked at things like typical policy costs, coverage options, available add-ons, what's covered, and claim limits.

You can read more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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9 Best Nomad Travel Insurance Options

Elina Geller is a former NerdWallet travel writer specializing in airline and hotel loyalty programs and travel insurance. In 2019, Elina founded TheMissMiles, a travel rewards coaching business. Her work has been featured by AwardWallet. She is a certified public accountant with degrees from the London School of Economics and Fordham University.

Anya Kartashova is a freelance writer and full-time traveler based in Salt Lake City. She has written about travel rewards and personal finance for FrugalTravelGuy, Fodor's, FlyerTalk, 10xTravel and Reward Expert. Her goal is to visit every country in the world by offsetting the cost with points and miles.

Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

1. World Nomads

2. safetywing, 3. atlas travel insurance, 4. allianz global assistance, 5. insured nomads, 6. img global, 7. heymondo, 8. travelex insurance, 9. aig travel guard, nomad travel insurance recapped.

Travel insurance can safeguard your nonrefundable reservations and reimburse you for any unexpected emergency medical costs that you incur while traveling. However, the travel health insurance needs of those taking several short vacations per year will vary from those of digital nomads, who may spend significant portions of the year living and working from abroad.

Digital nomads may also return home less often, travel with equipment (e.g., laptop, camera, etc.), participate in adventurous activities and want access to health insurance, especially if they don’t have that coverage back home.

Given the prevalence of remote work and increasing options to live and work from abroad, here you'll find some of the most popular nomad travel insurance options .

World Nomads is a travel insurance provider that offers coverage for residents of many countries and also allows you to extend your coverage mid-trip. It is underwritten by Nationwide Insurance. Regardless of which plan you choose, the health insurance limits are fairly good.

Importantly, 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’d like the option to cancel a trip at your discretion, you’ll want to consider plans that offer Cancel For Any Reason coverage .

There are two trip insurance policies available from World Nomads: Standard and Explorer. The Standard Plan has lower coverage limits and includes more than 200 sports (including some adventure sports), while the Explorer Plan adds on 60 other activities and sports, including more dangerous ones such as shark cage diving, skydiving and paragliding.

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

Here's a list of what's included with World of Nomads coverage:

Trip cancellation, interruption and delay.

Emergency healthcare coverage, evacuation, repatriation and 24-hour assistance services.

Accidental death and dismemberment.

Nonmedical emergency transportation.

Baggage delay and loss.

Rental car damage (Explorer Plan only).

Adventure sports and activities.

And here are a few items of note that are excluded (not a comprehensive list):

Pre-existing conditions.

Self-harm or accidents occurring while intoxicated.

Finally, coverage can’t exceed 180 days, so if you’re traveling abroad longer than that, you’d have to renew your plan once the current coverage period ends.

To see how World Nomads compares to other travel health insurance providers, we considered a sample 180-day trip to multiple countries by a 30-year-old resident of Colorado.

Due to the lower limits and less coverage for adventure activities, the World Nomads Standard Plan is priced at $549, which is meaningfully cheaper than the $788 Explorer Plan.

It's important to note that if your nonrefundable prepaid trip costs are more than $2,500, the Standard Plan will cover you only up to $2,500 on trip cancellation. In this case, you’d want to consider the pricier Explorer Plan, which provides coverage up to $10,000 on trip cancellation. Notably, emergency accident & medical coverage is $100,000 on both plans, which offers a lot of assurance, especially if you’re abroad for a long time.

The most significant advantage of World Nomads is coverage for adventure activities. In this case, assessing the suitability of the plan has more to do with the type of coverage you’re looking for than price. Because of the multitude of advantages of World Nomads plans over various providers, we've named World Nomads as one of the best travel insurance companies out there. Check out our full rationale here: Best Travel Insurance Right Now .

SafetyWing is another popular digital nomad travel health insurance option that also offers COVID coverage. You can purchase your policy while you’re abroad, which makes it easy for those who are already traveling and decide to get insurance coverage mid-trip.

Unless you are a resident of North Korea, Cuba or Iran, you can purchase a SafetyWing policy. The default length of coverage is 28 days, and the policy will continue to renew unless canceled (maximum policy length is 364 days).

SafetyWing also provides U.S. citizens with incidental coverage in the U.S. for up to 15 days out of every 90 days. Despite the U.S. coverage, SafetyWing is meant to provide medical and travel insurance coverage while you’re abroad; it does not meet the health insurance requirement under the Affordable Care Act.

Trip interruption and delay.

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.

Excluded (not a comprehensive list):

Mental health disorders.

Intentional acts or damages sustained under the influence of drugs or alcohol.

The cost of a SafetyWing policy is based on your age and whether you’d like health insurance coverage while you’re in the U.S. For example, a four-week policy for someone aged 18 to 39 years old who doesn’t need health insurance coverage in the U.S. will cost $45. If you would like coverage while in the U.S., the policy cost jumps to $83.

A 180-day coverage comes out to $290 for a traveler between ages 10 and 39, but increases to $536 if you want to add on U.S. coverage. A deductible of $250 applies every time you start or renew a policy.

Overall, the options to purchase a plan mid-trip and receive health insurance coverage while in the U.S. are some of the main benefits of a SafetyWing policy.

Atlas Travel Insurance offers health insurance plans for digital nomads and long-term travelers looking for medical coverage (including for COVID-19) and some supplemental trip benefits (e.g., trip interruption). When selecting a policy, you’ll need to specify if you’d like to include the U.S. within your coverage area. Coverage limits decrease with age, and the plans offer varying levels of deductibles.

Medical expenses and emergency dental.

Emergency medical and political evacuation.

Trip interruption; travel delay.

Lost checked luggage and stolen visa/passport.

Natural disaster and border entry protections.

Repatriation of remains; accidental death and dismemberment.

Many adventure sports.

Various diseases including cancer.

Self-inflicted injuries and those arising when under the influence of drugs or alcohol.

To compare these plans, we used the same parameters as the preceding example: a 180-day trip by a 30-year-old. Atlas offers two options to digital nomads: Atlas International and Atlas International Premium, which cost $274 and $682, respectively.

The main difference between these two Atlas plans is that the Premium option offers higher coverage limits.

It's also possible to customize the overall maximum limit and the deductible on both policies, so if you don’t want to go with the more Atlas International Premium plan, you can up the limits or change the deductible on the Atlas International plan.

Allianz Global Assistance offers affordable coverage for annual or multi-trip travel. It’s more cost-effective than purchasing coverage for separate trips individually. Allianz’s multi-trip policy covers trips up to 45 days in length.

Allianz is best for travelers who take multiple trips per year from their home base and not those who travel overseas for an extended period of time.

Covered illness.

Missed or delayed departures.

Baggage loss or delays.

A tropical storm (before it’s named).

Loss of passport.

Unforeseen pregnancy complications.

Losses that arise from foreseeable events.

War or civil unrest.

Participating in extreme or high-risk sports.

Flying an aircraft as pilot or crew.

Terrorist events.

Allianz plans limit or exclude coverage related to COVID-19 or resulting from Russia’s invasion of Ukraine.

Allianz Global Assistance offers a few annual plan options to digital nomads. The plans last a full year, so keep that in mind when comparing costs with other nomad insurance providers. The plans are Basic, Prime and Executive, quoting $138, $280 and $510 per year, respectively.

The Basic insurance plan from Allianz is designed for medical emergencies and provides some travel coverage, but it doesn’t provide any trip cancellation or trip interruption coverage.

The Prime plan provides affordable trip protection and medical coverage abroad.

The Executive plan is designed for business travelers by providing higher coverage limits and rental car damage and equipment rentals. The Executive plan covers personal vacations in addition to business trips .

It's also possible to sign up for a Premier plan, which lasts up to 365 days but covers up to 90 days of consecutive travel.

Insured Nomads provides medical coverage, travel insurance and trip cancellation to digital nomads, remote workers and expats.

Insured Nomads offers four plans, and they all have their own function. For example, the World Explorer plan provides coverage for a single trip lasting between seven and 364 days away from home, and the World Explorer Multi offers coverage for multiple trips within a single year. Plans are available to citizens of any country, not just the U.S.

Depending on the plan, you’ll have the option to add adventure sports, pet insurance, accidental death and dismemberment and car rental insurance for an extra fee.

Medical benefits, including 24-hour emergency medical care.

COVID-19 coverage.

Acute onset of pre-existing condition.

Emergency dental treatment.

Local ambulance transport.

Natural disaster accommodations.

Evacuation and repatriation.

Airport lounge access for delayed flights.

Lost luggage.

War and terrorism.

Public health emergencies or natural disasters in countries deemed Level 4 by the U.S. Department of State.

Illegal acts.

Injuries sustained while under the influence of drugs or alcohol.

Extreme sports (unless an add-on was purchased).

The quote for a traveler between the ages of 30 and 39 looking to travel to Mexico for six months with the World Explorer plan costs $679. This plan has a medical benefit limit of $250,000 and a deductible of $100. Increasing the medical benefit maximum to $1,000,000 increases the premium to $830, and that’s without any of the additional benefits, such as adventure sports or marine activities.

» Learn more: How to find the best travel insurance

IMG Global offers an insurance plan just for expats and citizens of the world called Global Medical Insurance. It’s a medical-only plan that doesn’t offer trip protection, but offers medical coverage worldwide.

Several tiers of Global medical insurance from IMG Global are available: Bronze, Silver, Gold and Platinum. The more expensive the plan, the lower the deductible and the higher the policy maximum.

The following expat insurance rates are for a 30-year-old traveler whose primary travel destination is Spain.

The deductible amounts can be adjusted in every plan above to reduce the monthly payment. Additionally, the total coverage cost for the year can be reduced with an annual payment. An optional dental and vision rider is available for the policy you pick.

Undoubtedly, the cost is on the high end, but it does come with some noticeable extras, such as COVID-19 coverage , telemedicine and mental health professional counseling, that most travel insurance providers don’t cover.

It’s possible to purchase a World Explorer policy after you’ve left on your trip, and you can extend coverage by up to six months beyond the initial policy purchase.

In addition to the Global Medical Insurance, IMG Global offers the following plans to long-term travelers:

The Global Employer Option: Medical coverage for internationally assigned employees.

International Marine Medical Insurance: Health insurance for long-term (longer than one year) marine crew.

MP+ International: Group travel insurance for mission groups.

Heymondo offers comprehensive travel insurance plans to short-term and long-term travelers. Digital nomads and expats can purchase a Long Stay plan for trips longer than 90 days. The initial coverage is capped at 90 days, but you can renew if necessary. You can also add electronics and adventure sports riders to the Long Stay policy at an extra cost.

Coverage is available to travelers between 90 days old and 49 years old.

What’s included :

Emergency medical and dental coverage (with a $250 deductible).

Medical transport and repatriation home.

Baggage delay , theft and loss.

Travel delay or a missed connection.

Natural disaster.

Personal liability.

Accidental death or disability.

What’s not included (not a comprehensive list):

General medical check-ups.

Trips aimed at receiving medical treatment.

Burial, ceremony and coffin costs in the repatriation of remains.

Petty theft.

Damage caused by strikes, earthquakes or radioactivity.

Motor vehicles.

A 90-day global coverage that excludes travel to Canada and U.S. costs $257 upfront. You can renew coverage once it expires or prepay for additional coverage at the following prices:

30 days: $76.

120 days: $304.

180 days: $456.

275 days: $731.

Notably, medical coverage includes COVID-19, including medically prescribed PCR tests and extra lodging expenses when you’re prescribed a medical quarantine .

» Learn more: Best long-term travel insurance options

Travelex Insurance offers long-term nomad insurance with its Travel Select plan, which is one of the provider’s comprehensive travel insurance plans . This plan covers trips up to 364 days. You must select travel dates and provide the cost of your trip to get a quote.

A 30-year-old Colorado resident traveling to Italy for six months will pay $734 for a Travel Select plan from Travelex Insurance to cover a trip that costs $5,000. It comes with:

100% trip cancellation.

150% trip interruption.

$2,000 trip delay (with a $250 daily limit).

$1,000 baggage loss.

$200 baggage delay.

$50,000 emergency medical expense.

$500,000 emergency medical evacuation and repatriation.

$25,000 accidental death and dismemberment.

Pre-existing conditions waiver : available if purchase conditions are met (more on this below).

Add-ons to the Travel Select plan include double the medical expense, adventure sports rider, car rental collision protection , extra accidental death and dismemberment coverage and even Cancel for Any Reason coverage covering 75% of the insured trip's cost (though the covered trip cost maxes out at $10,000).

The good thing about this plan is it provides coverage for pre-existing conditions as long as you pay for insurance within 15 days of the initial trip deposit. Most annual policies notably exclude a pre-existing conditions waiver.

The bad thing is its high cost because of all the bells and whistles of a comprehensive plan.

AIG Travel Guard offers an annual plan that provides essential coverage to business and leisure travelers who are U.S. residents (not available for Washington state residents).

The Travel Guard Annual Plan is an option for travelers who take multiple trips within a single year (364 days), with a limit of 90 days per trip.

100% trip interruption.

Trip delay.

Missed connection.

Baggage loss or delay.

Medical expenses, including dental.

Emergency evacuation and repatriation of remains.

Non-flight accidental death or dismemberment.

Security evacuation.

War or acts of war.

Participation in a riot, civil disorder or insurrection.

Commission or an attempt to commit a felony.

Being under the influence of drugs or intoxicated above the legal limit.

Trips taken against a physician’s advice.

Release, escape or dispersal of nuclear or radioactive contamination, and pathogenic or poisonous biological or chemical materials.

A Travel Guard Annual Plan comes out to $242 for a Colorado resident, which is a pretty good deal considering all the inclusions — but remember that your trips cannot exceed 90 days each, so its usage is limited to remote workers taking shorter trips.

» Learn more: How much does travel insurance cost?

Expats and digital nomads have different travel health insurance needs than the average traveler, so choosing a policy that aligns with your travel style is advisable.

If you’re looking for adventure sports coverage, World Nomads, Insured Nomads, Heymondo and Travelex Insurance all have the option to add a rider to their policies.

However, if those benefits aren’t relevant to you and you’d instead prefer to have the option of medical coverage when you’re abroad (and to a certain degree while you’re in the U.S.), consider SafetyWing or Atlas, which offer this feature. For medical-only coverage, IMG Global provides some options, albeit pretty expensive ones.

Additionally, take into consideration your travel style. Are you taking one long trip or multiple shorter trips within one year? Because Allianz and AIG Travel Guard won’t work well if you plan to be abroad longer than the limit specified in the policy.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee:   Bank of America® Travel Rewards credit card

Flat-rate travel rewards:  Capital One Venture Rewards Credit Card  

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

HelloSafe » Travel Insurance » World Nomads

Is World Nomads travel insurance the best in 2024?

verified information

Information verified by   Alexandre Desoutter

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Visiting another country or province without travel insurance can be a costly mistake. An overnight stay in a hospital in the USA can be over $14,000. Some countries might even refuse to help you if you are unable to prepay for treatment.

Travel insurance is therefore, a necessity when you are away from home . It guarantees your ability to get and pay for health care, if and when you need it. Beyond medical emergencies, travel insurance also helps with flight issues, delays, lost luggage, and even burglary.

And World Nomads travel insurance is one of the popular providers out there. But is it the right choice for you? To find out, read our complete review of World Nomads, its coverage, pricing, pros and cons, and also get quotes, and see how its competitors fare.

Our 2024 review of World Nomads travel insurance

World Nomads has been a leading insurance provide r for independant travellers since 2002. It destinguishes itself by targeting a younger, more adventerous crowd than its competitors.

Continue below for World Nomads pros and cons:

Why World Nomads could be right for you:

• Simple and flexible travel insurance offerings
• Coverage for many adventure activites
• Easy to purchase online

Why World Nomads may not be right for you:

• Less adapted for older travellers and snowbirds
• Quotes and assistance are completed through the website. Some clients may prefer telephone assistance.

Before choosing World Nomads travel insurance Canada, it is best to compare options and quotes, and not go by information on world nomads travel insurance reviews reddit thread or social media groups. Use our comparator to compare Allianz travel insurance vs world nomads prices or vs AMA coverage, and get quotes:

Compare the best travel insurance plans on the market!

What does World Nomads travel insurance cover?

World Nomads offers Standard and Explorer plans. These extensively cover sport related travel activities, and also strongly cater for trip delays, interruptions, and loss or theft of personal items. You get world nomads one way travel insurance even if you don't book a return flight unlike other providers.

Here are the main plans run by World Nomads:

Standard Travel Plan

World Nomad's Standard plan, offers $5,000,000 in emergency medical coverage for trips of up to one year. It also offers $500,000 in case of medical evacuation as well as reimbursement for trip protection and baggage.

Explorer Travel Plan

The World Nomads Explorer Travel Insurance Plan offers $10,000,000 in emergency medical coverage. World nomads travel insurance repatriation benefits also include $500,000 in case of medical evacuation as well as increased reimbursement for trip protection and baggage.

For more information on world nomads travel medical insurance, download the PDF below:

World Nomads annual travel insurance plans are available to cover trips outside of your home province, but options are not tailored to internal journeys.

Visitors to Canada can purchase World Nomad insurance. Coverage is for emergency medical care and does not explicitly include routine medical care.

Coverage premiums may be different for world nomads travel insurance USA/ NZ due to exchange rates for instance. It's best to speak to the world nomads customer care for latest details.

Good to know

Apart from traditional travel insurance, there is also credit card travel insurance that is offered on your credit card. They have differences in terms of the specific coverage limits, exclusions, and any other restrictions/additions. Regular insurances, for example Manulife Travel Insurance , offer comprehensive healthcare coverage, emergency evacuations and higher limits. They are ideal for those seeking extensive coverage while traveling. In contrast, credit card travel insurance provides additional benefits such as lost luggage protection, delayed trip coverage, but with lower limits.

Does World Nomads travel insurance cover covid?

World Nomads travel insurance may offer coverage for claims related to COVID-19, but it depends on the policy purchase date. For policies bought before March 11, 2020, Trip Cancellation, Interruption, and Delay benefits may apply.

However, policies purchased on or after that date might not provide coverage for COVID-19-related losses. An exception is if the policyholder contracts COVID-19 during the trip, which could make them eligible for benefits in the aforementioned sections. Emergency medical coverage may also apply for COVID-19-related situations during the trip.

But it's best to get in touch with the world nomads travel insurance customer service number 1-877-328-2528 for latest updates.

Does World Nomads cover pregnancies?

For Canadian travelers, there is world nomads travel insurance pregnancy coverage for unexpected pregnancy complications, accidental injuries, and sudden illnesses for expectant mothers up to the first 31 weeks of pregnancy.

The insurance further extends to emergency medical expenses, hospitalization, ambulance transport, and necessary transportation for ongoing treatment if medically required.

However, routine prenatal care, childbirth, pregnancy-related issues past 31 weeks, pre-existing conditions, fertility treatments, expenses within your home province, and changes of mind to travel are not covered. It is important to thoroughly read your plan and understand the benefits, terms, conditions, limitations, and exclusions outlined in your insurance coverage.

For coverage for World Nomads travel insurance UK or World Nomads travel insurance Australia, its best to check on the website for latest details.

How can I contact World Nomads travel insurance?

To buy a World Nomads policy, they can primarily be contacted online through its website.

You could also contact them on the World Nomads travel insurance phone number 1-888-566-8028 . Inquiries can also be made to the world nomads contact number +1-416-646-3723 for international residents.

You could also email the team at [email protected] for information on your policy, claim, coverage, or any other queries you may have.

To get a world nomads international travel insurance quote you can also fill up a quick form on the website or use our comparator at the end of this page to compare prices, coverage, and all other essential factors.

How much does World Nomads travel insurance cost?

The price of coverage with World Nomads depends on:

• Your desired coverage and otpions.
• Your deductible.
• Your waiting period.
• Your destination(s).
• The lenght of your trip.

Expert advice

Therefore it will be important to get an individual quote customised for your unique needs. Also watch out for any world nomads travel insurance promo code. To save on your travel insurance, you could get a quote and then enter this code WNFOUND for a 5% discount. However, note that world nomads travel insurance discount code is subject to change so speak to an agent for the latest updates.

Before settling on World Nomads, we advise you shop around! You can quickly and anonymously compare prices from leading travel insurance companies using our free comparison tool below:

How to buy World Nomads travel insurance plan?

You can buy the policy by creating an account on their website and then following the next steps that include mentioning essential details like your trip dates, destinations, the coverage you need, and your basic age, name, address specifications.

Based on this you will be provided with a quote and options based on your unique needs. Once you've read the terms and conditions you can make the payment online. You could also drop by at a local office and process your policy.

You could write to [email protected] as well to buy a policy or call 1-888-566-8028 and a customer service agent will guide you through the process.

How to file World Nomads travel insurance claim?

You can file your claim directly on the World Nomads website or by calling 1-888-566-8028. You could also start by signing in to your World Nomads membership or creating an account if you purchased as a guest. If necessary, contact the customer service team to request paper forms.

Fill out the claim form electronically and ensure you attach all the supporting documents as outlined in your policy. Keep your confirmation letter and reference number handy to track the progress of your claim.

Please note that initial reviews may take up to 10 business days, or longer if additional documents are required. Take the time to carefully read your policy for a comprehensive understanding of what is covered, what is not covered, and any applicable limits and conditions.

How can I cancel World Nomads travel insurance?

As per world nomads travel insurance cancellation policy, to cancel your plan, you have a 10-day Right-to-Examine period for a full refund, provided you haven't traveled, made a claim, or exercised any policy rights. As a World Nomads member, cancellation can be done by signing into your membership account or contacting them via email, phone, or post.

You can reach out to [email protected] or call 1-888-566-8028. Depending on your province, the appropriate address for cancellation may be either in Sherbrooke, Qc, or Toronto, ON.

• New Brunswick, Newfoundland and Saskatchewan Residents: Travel Guard Canada c/o Global Excel Management 73 Queen, Sherbrooke, Qc J1M 0C9
• All Other Provinces: Travel Guard Canada Attn: Claims Department 120 Bremner Boulevard, Suite 2200, Toronto, ON M5J 0A8

However, canceling your travel insurance might put you at risk of insuring unforeseen expenses should your travel be affected. Therefore it's best to have a travel insurance that suits your unique budget and needs.

Now that you have all the information to decide if World Nomads is the best choice for you, you could use our comparator to see how it fares against other insurances and get quick quotes to help you make the best decision.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

World Nomads Travel Insurance Review: What’s Included & What’s Not

I’ve used World Nomads as my travel insurance provider a lot over the years and, though I’ve written about travel insurance in the past, I’ve never properly reviewed World Nomads .

They were the first company I ever used and I’ve continued to use them throughout the years as I’ve traveled. Since I get asked a lot about them, today, I want to share my review of World Nomads Travel Insurance with you.

Here’s everything you need to know about World Nomads travel insurance:

Table of Contents

Who are World Nomads?

What’s included in world nomads insurance policies, emergency medical coverage, emergency dental treatment, lost or stolen baggage, trip cancellation, interruption, or delay, 24/7 assistance, what’s not covered by world nomads, what you can do with a world nomads policy, additional things to remember, travel insurance claims, my experience using world nomads.

World Nomads is a travel insurance distributor based in Australia. It was founded in 2002 by travelers who wanted to address the three key concerns: freedom, safety, and connection.

Now, the insurer provides coverage to people from more than 100 countries, offers overseas emergency medical and dental cover for sudden illness and injury, medical evacuation and repatriation coverage, 24-hour emergency assistance, some coverage for COVID-19, cover for lost, stolen or damaged baggage, cancellation cover, and coverage for over 150 types of adventure activities .

I originally found them via Lonely Planet (but they were also featured in National Geographic and Rough Guides). There are a lot of travel insurance providers out there, but World Nomads was designed for backpackers and budget travelers, which is why I decided to go with them on my first big trip around the world.  

World Nomads has two plans: Standard and Explorer. The Explorer Plan typically has a higher premium because it has a higher level of coverage that includes all the benefits of the Standard Plan and a few more, with higher benefit limits.

Unlike most insurance companies, World Nomads covers some higher-intensity adventure activities and sports, even on the Standard Plan. Not all activities, sports, and experiences are covered under every plan though, and coverage varies by the country you’re visiting as well as where you’re from. Always check before purchasing a policy.

Other benefits and services may include:  

World Nomads offers cover for overseas emergency medical expenses for accidents or sudden illnesses on both the Standard and Explorer plans.

Its policies also offer coverage for expenses related to medical evacuation or repatriation if you’re accidentally injured. For example, if you’re hiking in the woods and you break your leg, your policy may cover your evacuation to the nearest hospital or back to your country of residence (if deemed medically necessary).

In the images below, the coverage amounts in the left column are for the Standard Plan, while the prices in the right column are for the Explorer Plan.

World Nomads also covers emergency dental treatment for accidental injuries that occur during the trip. It does not include standard dental work, such as checkups or cleanings, fillings, or root canals and the like (or things that can wait until you get back home), however, if you get an injury then that may be covered.  

World Nomads offers some coverage for events related to COVID-19, such as emergency medical, trip delay, and trip interruption coverage if you contract COVID-19 while traveling. Be sure to read the policy wording to understand what’s covered and what the benefits are as these vary depending on your country of residence.  

Here’s a list of key items and situations not covered:

• Alcohol or drug-related incidents.
• If you’re reckless, acting in an irresponsible manner or not complying with local laws.
• Pre-existing conditions or general check-ups. Read the policy for full details.
• Lost or stolen cash (can vary depending on your country of residence or plan)
• Participation in a sport or activity not listed in the policy wording, or one that’s offered by World Nomads, but you haven’t purchased the required level of cover.
• Not following doctors’ orders: disobeying your treating doctor’s directions and/or those of World Nomad’s Emergency Assistance team.
• Stolen, lost or damaged personal belongings that were left unguarded (or left in a vehicle, even if it’s locked).
• Buy additional coverage if you extend your travel dates.
• Purchase a policy while already on a trip (waiting periods apply)
• Make a claim online
• Access 24/7 Emergency Assistance
• There are age restrictions that apply depending on your country of residence.
• They offer limited gear/electronics coverage.
• You can’t get “cancel for any reason” coverage.
• It doesn’t cover anything related to pre-existing conditions.
• World Nomads premiums vary in cost based on your age, destinations, where you’re from, and your country of residence.
• Rental car damage isn’t covered on Standard plans, and is not available to residents of NY or TX

I’ve been traveling for over 15 years and have only had to make a few claims during that time. Fortunately, for most travelers, travel insurance is something we buy but never have to use.

However, if you do get into a situation where you need to make a claim, there are a couple things that can help.

First, before a trip, I always make sure to save copies of all of my receipts and travel information in my inbox so that I can submit them to World Nomads if I need to make a claim. I also save their emergency phone and email contacts in my phone and inbox so that I can easily contact them in an emergency.

The more documentation you have about your claim, the faster and easier it will be processed. Claims can be submitted online; you simply start a claim, follow the prompts, and submit your documents. World Nomads will follow up if they need anything else from you.

Here are a few things that may make your claiming process easier:

• Injury or illness? Call their assistance teams ASAP and make digital copies of any related receipts.
• Take a photo of your luggage before your trip in case something happens to it (especially your valuable gear).
• If an airline loses your things, tell them straight away, fill in their paperwork and keep a copy.
• Theft? Report it to the police as soon as possible. Keep all documentation from the police.
• Check what refunds you can get first from your transport or accommodation providers. Only if they can’t help should you go to your insurance provider

Making a claim isn’t fun by any means, but it’s quick and simple to do thanks to World Nomad’s online portal. And, since they have 24/7 support, you can reach out to them if you have problems or questions.  

Luckily, the airline paid me, and I didn’t need to be reimbursed by my travel insurance policy, but I learned through this process that if you have all your documents and proof, the claims process can be a lot easier.

Another time, in Argentina, I was suffering from anxiety and worried that it was something more. It felt like someone was stomping on my chest. I contacted Emergency Assistance and they took my information and symptoms and gave me a list of emergency doctors that they recommended. They were helpful, quick, and got me a doctor right away. I was very happy with the service and know that if something really does go wrong, they act quickly.

Nobody likes to think about what might go wrong when they travel. But if you plan ahead and ensure that you have suitable coverage, you can travel with confidence knowing that, should something go wrong, you’ll be made whole and have access to a team that can help you navigate the situation.

I never leave home without insurance. You shouldn’t either.

CLICK HERE TO LEARN MORE ABOUT WORLD NOMADS .

World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.  

Book Your Trip: Logistical Tips and Tricks

Book Your Flight Find a cheap flight by using Skyscanner . It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.

Book Your Accommodation You can book your hostel with Hostelworld . If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and hotels.

Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:

• SafetyWing (best for everyone)
• Insure My Trip (for those 70 and over)
• Medjet (for additional evacuation coverage)

Want to Travel for Free? Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out my guide to picking the right card and my current favorites to get started and see the latest best deals.

Need Help Finding Activities for Your Trip? Get Your Guide is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.

Got a comment on this article? Join the conversation on Facebook , Instagram , or Twitter and share your thoughts!

Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission if you make a purchase. I recommend only products and companies I use and the income goes to keeping the site community supported and ad free.

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The Best Travel insurance for digital nomads

countries Wherever you travel: We’ll get you covered

days Long-term travel insurance for digital nomads

in average Good insurance doesn’t need to be expensive

Travel, for us, symbolizes freedom. Embracing the unknown means finding your own way — even when the path is unmarked. With NOMADS.insure , you carry a reliable safety net, on even the most unpredictable adventures.

Our global insurance offerings feature plans tailored for nomads and travelers on trips of up to several years. Wherever your explorations take you, proceed with confidence.

With our comprehensive travel insurance options, you’re secure in the knowledge that, should you need it, you have support to return home safely.

Travel insurance covers:

• Diagnosis, treatment and prescriptions in case of of medical emergencies
• Search and Rescue
• Repatriation for major treatments

Advanced plans offer additional cover for:

• Lost, stolen, or damaged luggage
• Trip cancellations or interruptions
• Flight cancellations and delays
• Missed connections and their consequences
• Personal liability

Travel insurance does not cover:

• Treatments after repatriation to your home country

Always sign up for your long-term travel insurance for the maximum duration possible (with good plans 2 or even 5 years), even when you plan to return earlier. Plans change!

And you can always cancel a good travel insurance plan earlier at no cost . But you usually cannot extend it. And surely not if you had a claim before.

Send your inquiry today

Leave your email and we’ll come back to with a personalized suggestion for the perfect travel insurance plan for your digital nomad adventure.

F.A.Q.: Travel Insurance for Digital Nomads

What’s the difference between nomad travel insurance and annual travel insurance?

Digital nomads usually travel for more than 3 months at a time while regular annual travel insurance (e.g. those included in premium credit cards) cover trips of usually up to 30 or 45 days per trip.

Can nomad travel insurance be extended?

Usually travel insurance can’t be extended, especially not if you already had claims with the insurance company. That’s why recommend to always sign up for the maximum possible duration as with the companies brokered through us you can cancel earlier at any time and no cost.

Can nomad travel insurance be cancelled earlier?

Nomads travel insurance from the companies brokered through us can be cancelled earlier at any time and at no cost. Usually you just need to tell the insurance provider that you have returned to your home country (or permanently settled in another country).

What’s the difference between travel insurance and health insurance?

There are two key differences: Travel insurance has a fixed duration and only works on top of health insurance coverage back home. The reason: Travel insurance pays for emergency treatments while you’re traveling but will repatriate you for major or long-term treatments. Health insurance on the other hand does not end (if you don’t cancel or stop paying for it) and – if it’s an international one – covers you wherever you are.

Read more on the difference between travel insurance and health insurance here.

What does nomad travel insurance cost?

Usually – depending on your age and your target destinations – you can assume an amount of between 50 and 100 EUR per month for long-term travel insurance. If you intend to travel to the USA or are older than 60 you should expect higher monthly premiums.

Who can sign up for nomad travel insurance?

Digital nomads who travel more than 3 months and usually up to 2 years can sign up for nomad travel insurance up to an age of 69. For higher ages there are special solutions available. Full-time nomads who don’t return to a home base where they have local health insurance would rather need international health insurance instead of just travel insurance.

Digital Nomads Insurance

World wide health insurance coverage for modern remote entrepreneurs: Our founders are digital nomads themselves and strive to help fellows to solve this issue.

Book a Consultation

We are happy to analyze your needs and the options based on all circumstances in a personal video call. This service is free of charge for you.

Insurance Providers

• Allianz Care
• APRIL International Care
• AXA Global Healthcare
• CareConcept
• Cigna Global Health
• Continentale
• Foyer Global Health
• HanseMerkur
• Insured Nomads
• Morgan Price
• Passportcard
• World Nomads

Insurance broker for digital nomads

European insurance broker licensed in Estonia for insurance intermediary activities across the European Economic Area (EEA).

Herrmann, Huebner & Partner Insurance Broker OÜ Pärnu mnt 388b-1, 11612 Tallinn, Estonia

Managing Director: Christoph Huebner Registry code: 14897643

Full company data: in the legal notice

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The times displayed are Tallinn time (Eastern European Timezone, EE(S)T, GMT+2/+3)

Get your free nomad guide now

Comprehensive guide for digital nomads: Everything insurance.

• 6 important questions to ask yourself
• 3 types of nomads: Which one are you?
• The right solution for every plan and budget
• Easy to read PDF with a decision tree  and checklists

Brokers Mandate: 3 good reasons

• A professional insurance expert (and digital nomads) on your side towards the insurance provider
• 2nd pair of eyeballs: Ongoing documents check & claims support during the contract duration
• At no extra cost for you (this service is paid for by the insurance company)

We are happy to offer our brokers services for your existing contract. Just fill the fields and we will create the document for you shortly. We will then initiate the digital signature workflow and process it with the insurer.

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By Karen Shelford

New Zealand Travel Insurance

New Zealand travel insurance has never been more important. Every time you pick up a newspaper or switch on the TV, something major is happening be it here or somewhere else in the world.

Earthquakes, eruptions, terrorists, tsunamis, crashes.... Makes you wonder why we travel at all, doesn't it? Still, it's a hard lure to resist.

Because of that, Rotorua Travel Secrets has partnered up with TravelInsurance.com to help you compare and buy travel insurance that meets your needs without blowing out your budget. We've got you.

Why this particular company?

Short answer, TravelInsurance.com is designed to simplify the complicated world of travel insurance. 

If you think about New Zealand, it's a land that attracts adventurers. Mountain climbing, white water rafting anyone? It's what you do here. Have adventures. And this travel insurance comparison company has access to insurers that cover adventure activities - in addition to cancellations, medical emergencies or treatment, lost or stolen gear, personal liability, etc.

7 things you should know about travel insurance from TravelInsurance.com

1) Trusted Insurers TravelInsurance.com, as a licensed agency in the USA, works with some of the largest travel insurers who can provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most.

They only work with top rated insurers and remove them if their rating on TravelInsurance.com drops below 4 stars.

2) Value for money with the cover you need TravelInsurance.com's plan prices are regulated in the States. Any plan found on TravelInsurance.com won't be found lower anywhere else.

3) Verified Reviews TravelInsurance.com has 96,000+ verified reviews of which 84,000+ are 5 Star. Overall it has a 4.9 Star rating.

7) Provide Easy Comparisons You can compare two or more plans to side-by-side to see which insurer provides the better benefits for your particular travel needs

To make sure you get the most from TravelInsurance.com, you can find out more about why travel insurance is important for your trip on their website in the Learning Centre. If you have any questions about your travel insurance or travel safety in general, please contact TravelInsurance.com directly.

Use the widget below to find the New Zealand travel insurance plan that fits your circumstances.

Ensure the policy has evacuation and repatriation coverage: This should include getting you to a hospital and from there back to your home country.

Do you have credit card international travel insurance: If you do, check out what's covered. You don't want to pay for what you don't need. For this type of insurance to be valid, you would probably have to purchase your airline tickets using the card.

Same with your personal contents and medical insurance policy: Check to see what you are covered for when travelling overseas.

Would your insurance company view visiting Rotorua thermal parks as too risky: Ask. You could trip over a root, break a leg, wind up having surgery and they might say no, because you were in an active volcanic area.

Luckily, we have ACC - that's the Accident Compensation Corporation. It provides no-fault personal injury cover for any accidents throughout the country. This applies to both residents and international visitors. Check out any country you're visiting for the like or for reciprocal agreements.

We have more than our share of incidents requiring costly helicopters, planes and Search & Rescue teams out looking for lost and injured visitors - I see German climbers popping up on TV for this quite often - so it's a good thing. And think about the associated medical costs too.

Most important! If ongoing medical care is required, and you leave the country? The coverage stops. Something to file away in the back of your mind. Stay until you're fixed up.

Aging & New Zealand Travel Insurance

One sucky thing about a lot of the insurers is that they don't insure older people for travel. With the rising age of the world population you'd think this wouldn't be a problem.

What it means is having to dig around to find the best deal, unless you're prepared to pay astronomical prices.

Fred Mawer, writing for www.dailymail.co.uk , had some good advice for this situation. Also, links in the article lead to sympathetic insurers. A UK consumer group, www.which.co.uk , outlines in table format the best worldwide insurers in the different age groups - a single trip of 24 days. A further link does the same thing for an annual policy.

Thankfully, TravelInsurance.com does have some insurers that provide travel insurance for older people. Once again it will depend on personal circumstances.

Final thoughts. Whether you decide to use TravelInsurance.com or not, in comparison to what's forked out for  a major overseas adventure, the cost of travel insurance is minimal. It's a no-brainer really.

All it takes is getting bitten by a weird bug, or tripping over your own feet, amongst a whole raft of things that can go wrong - say, on your second day - and what are you left with when you don't have insurance? A huge hole in your wallet with nothing to show for it.

It's a major headache looking into it all but the upside? The peace of mind that comes with being covered.

Happy & safe travels!

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Top 10 Digital Nomad Travel Insurance Plans (2024)

A re you a digital nomad looking for the best travel insurance at the best price? You’re in the right place. I’ve been a digital nomad for over a year. I know how important travel insurance is.

I also know that, while this isn’t something to skimp on, you also don’t want to overpay. It’s a tricky balance.

I’m a huge over-planner and I’ve thoroughly researched travel insurance. Every year when my policy expires, I re-check the options to make sure I’ve got the best plan.

Don’t have time to read all this and just want the bottom line? My number one favorite travel insurance is SafetyWing . They have comprehensive coverage and consistently high ratings.

I’ve had to use my travel insurance more than once. The last time was when my dad was very sick in the hospital and I had to fly to California, losing out on a lot of pre-paid, nonrefundable flights and accommodations.

I’d like to say that story had a happy ending. While it did have a good ending for my dad (he’s recovered and doing great!), I had the wrong type of plan and lost $3,000. My insurance was essentially worthless for what I needed.

I don’t want anyone to have that same experience. I’ve rounded up the 10 best plans so you can choose the one that’s right for you. Learn from my mistakes so you don’t throw your money away.

Pro tip: Bookmark this site for next year. I update it yearly so it always contains the most up-to-date info.

My Top 3 Picks: Digital Nomad Travel Insurance

#1 TOP PICK

No permanent residency required

Comprehensive coverage

Visitors Coverage 98% satisfaction rating

Wide range of coverage options

AIG Travel Guard Variety of plans

Annual plan options

What is Digital Nomad Travel Insurance?

Digital nomad travel insurance is tailored to meet the unique challenges and risks that come with the nomadic lifestyle.

Unlike regular travel insurance, these specialized plans often offer comprehensive medical coverage. This includes not just emergency care but also routine check-ups, dental services, and even mental health support.

But it’s not just about health. These plans also consider the flexibility digital nomads need. Many offer the option to extend your coverage if you decide to stay longer in a destination or even to buy coverage while you’re already abroad.

Some even cover adventurous activities, from scuba diving to mountain climbing, because let’s face it, a digital nomad’s life is never just 9 to 5.

So, while it might not be as thrilling as booking your next one-way ticket, securing the right travel insurance is a must for any digital nomad. It’s not just another item on your to-do list; it’s peace of mind, and that’s priceless.

What Should I Look For in Digital Nomad Insurance?

Okay, you know digital nomad insurance is a must-have. But with so many options out there, how do you pick the right one?

Here’s a breakdown of what you should be looking for in a digital nomad insurance plan:

Worldwide Coverage

You’re a global citizen, and your insurance should be too. Make sure the plan you choose offers worldwide coverage, so you’re protected no matter where your travels take you.

Pre-Existing Conditions

Got a chronic condition or a recurring medical issue? You’ll want a plan that covers pre-existing conditions, so you’re not left in a lurch when you need medical care.

Emergency Assistance

Look for a plan that offers 24/7 emergency assistance. Whether it’s a medical emergency or legal trouble, you want to know there’s a lifeline you can call anytime, anywhere.

Emergency Medical Insurance

Accidents happen, and when they do, you’ll want robust emergency medical coverage. This should include hospital stays, surgeries, and even medical evacuation if needed.

Emergency Evacuation

Speaking of evacuation, make sure your plan covers the cost of getting you to the nearest medical facility in case of an emergency. Trust me, you don’t want to foot that bill yourself.

Trip Cancellations and Delays

Flights get canceled. Plans change. Look for a policy that will reimburse you for any pre-paid, non-refundable travel expenses if you have to cancel or delay your trip for a covered reason.

Baggage Loss

Losing your luggage is a bummer. Choose a plan that offers coverage for lost, stolen, or damaged baggage to save yourself a headache later.

Equipment Protection

As a digital nomad, your laptop and other gadgets are your lifeline. Some plans offer specialized coverage for electronic equipment, so check if that’s an option.

Reasonable Prices

Budget is a big deal when you’re living the nomad life. Compare prices and make sure you’re getting the most bang for your buck. But remember, the cheapest option isn’t always the best.

Quick Insurance Claim Process

Last but not least, check out reviews to see how quickly and easily you can file a claim. The last thing you want during a crisis is a complicated, drawn-out claims process.

Top 10 Digital Nomad Travel Insurance Plans

Let’s jump into the best travel plans for digital nomads. One of these will surely meet all your needs. Many of them also include health insurance for nomads .

1. SafetyWing Nomad Insurance

Overview of safetywing.

SafetyWing is a remote working company that specializes in providing primary health insurance plans for digital nomads and long-term travelers.

If you’ve ditched your health insurance back home to live the nomad life, this is a company you’ll want to know about.

They’re not just a startup; they’re a subsidiary of Tokio Marine, a global insurance giant. So, you’re in safe hands. Their offerings go beyond just medical coverage, extending to non-medical evacuation, trip interruption, and even baggage claims.

SafetyWing aims to build a country-independent social safety net for freelancers and digital nomads. They’ve even expanded their product line to include a complete worldwide primary health insurance called Remote Health.

Safety Wing Pros & Cons

• No Permanent Residency Required : You can get SafetyWing insurance without being a permanent resident of any country.
• Affordable for Younger Travelers : If you’re under 39, the plans are particularly cost-effective.
• Comprehensive Coverage : Apart from medical benefits, you get coverage for trip interruption, lost luggage, and even the return of minor children and pets.
• Flexible Payment : You have the option to pay monthly, making it easier on your wallet.
• Home Country Coverage : Visiting your home country for up to 30 days? You’re still covered, except if you’re a U.S. citizen.
• Private Healthcare : You can choose private doctors and hospitals, giving you quality options.
• Family-Friendly : One child per adult and two children under 10 per family can also be included free of charge.
• Global Reach : Coverage in over 175 countries, so your wanderlust has almost no limits.
• High-Risk Destinations : Some plans even cover high-risk destinations and activities.
• Activity Limitations : Certain activities like mountain climbing, scuba diving, and ice hockey aren’t covered.
• Coverage Cap : The total coverage maxes out at $250,000.
• License Requirements : You need an international scooter license for coverage in case of scooter or motorbike accidents.
• Exclusions : Pre-existing conditions and mental health disorders are not covered.
• Claims Processing : The time it takes to process claims can be long, sometimes stretching into weeks or months.
• U.S. Limitations : While there is some U.S. coverage, it doesn’t meet the Affordable Care Act requirements.

2. Visitors Coverage

Overview of visitors coverage.

Visitors Coverage is a global travel insurance company with its fingers in many pies. Operating in 176 countries, this company is all about giving you options.

Whether you’re a short-term visitor to the U.S., an international traveler, or even a new immigrant, they’ve got a plan for you. They even offer specialized plans like Europe/Schengen Insurance and Immigrant/Green Card Insurance.

Their website is a breeze to navigate, and getting a quote is as simple as clicking a button and answering a few questions. Plus, they’re big on sustainability, partnering with One Tree Planted to contribute to global reforestation.

Visitors Coverage Pros & Cons

• User-Friendly Website : Navigating through their website is a walk in the park. They’ve got separate tabs for insurance plans, travel resources, and contact details.
• Wide Range of Products : From group insurance to trip cancellation and expat health coverage, they’ve got a smorgasbord of options.
• High Customer Satisfaction : With a 98% satisfaction rating and over a million satisfied customers, they’re doing something right.
• COVID-19 Coverage : Having COVID-19 coverage is always a big plus.
• Excellent Customer Service : If you’ve got questions, their customer service staff has the answers. They’re both helpful and knowledgeable.
• Unclear Claim Processing Time : The website doesn’t provide information on how long it takes to process claims, which could be a concern for some travelers.

If you’re looking for an insurance company that offers a wide range of products and has a solid reputation, Visitors Coverage could be a great fit.

I have personally used Visitors Coverage and found their plans to be great and affordable. I haven’t had to file a claim with them so I can’t speak to their processing, but I’d use them again.

3. AIG Travel Guard

Overview of aig travel guard.

AIG Travel Guard is a global insurance company catering to a diverse clientele, including digital nomads and remote workers.

They offer a range of plans, such as the Pack N’ Go plan for last-minute travelers and an annual travel plan for frequent flyers. They also have three comprehensive packages: Deluxe, Preferred, and Essential.

These plans cover everything from trip interruption and baggage protection to emergency evacuation and repatriation of remains.

AIG Travel Guard Pros & Cons

• Variety of Plans : Whether you’re a digital nomad, a business traveler, or someone who loves spontaneous trips, Travel Guard has a plan tailored for you.
• User-Friendly Website : Navigating through their offerings is a breeze, thanks to their well-designed website.
• Easy Subscription : Getting yourself insured is straightforward and hassle-free.
• COVID-19 Coverage : They’ve adapted to the times by including COVID-19 coverage in their plans.
• Annual Plan Option : For those who travel multiple times a year, the annual plan offers essential coverage for each trip, capped at 90 days per trip.
• Limited Global Availability : Despite being a global insurance company, not all their plans are available worldwide.
• 90-Day Cap on Annual Plan : The annual plan is not ideal for long-term travelers as each trip is limited to 90 days.
• Exclusions : The plans come with a list of exclusions, including acts of war and being under the influence of drugs or alcohol.

Travel Guard clearly focuses on providing a variety of plans to suit different travel needs. They also emphasize customer service and have received high ratings from their user base.

So, if you’re a digital nomad or someone who travels frequently for work or leisure, Travel Guard is worth considering. Just make sure to read the fine print and understand the limitations of each plan.

4. Travelex Insurance Services

Overview of travelex.

Travelex Insurance is a travel insurance provider that caters to a wide range of travelers, including digital nomads and remote workers . They offer various plans to suit different travel needs.

The Basic plan covers essential travel protections, while the Travel Select plan is more comprehensive and customizable. They even have a Flight Insurance plan for those who are primarily concerned with flight-related issues.

Travelex Pros & Cons

• COVID-19 Coverage : Travelex offers coverage for COVID-19-related trip cancellations, interruptions, and emergency medical situations.
• Comprehensive Coverage : From trip cancellations and interruptions to emergency medical and evacuation, Travelex has got you covered.
• 24/7 Assistance : Their travel concierge service is available around the clock to assist you with anything from finding hidden gems to dealing with legal issues.
• High Claim Approval : With a 98% claim approval rate, filing an insurance claim with Travelex is not only easy but also quicker than the industry average.
• Long-Term Coverage : The Travel Select plan covers trips up to 364 days and even offers coverage for pre-existing conditions in certain cases.
• Limited COVID-19 Coverage : While they do offer COVID-19 coverage, it may not be as extensive as some travelers would like.
• Additional Costs : Basic services come with an extra charge unless included in your chosen plan.
• High Cost for Comprehensive Plans : The Travel Select plan, while comprehensive, can be pricey due to its extensive coverage and add-ons.

It’s clear Travelex focuses on providing comprehensive insurance options for all types of travelers. They offer a variety of plans and add-ons, making it a flexible choice for those looking for specific types of coverage.

However, the cost can add up quickly if you opt for their more comprehensive plans with additional features. So, if you’re a digital nomad or frequent traveler, Travelex is worth considering, but make sure to weigh the costs and benefits carefully.

5. IMG Global

Overview of img global.

IMG Global is a one-stop shop for all your travel insurance needs, especially if you’re a digital nomad.

IMG Global offers a range of travel insurance packages designed to meet the diverse needs of digital nomads, expats, and adventurous travelers.

Their packages include Global Medical Insurance, which is a medical-only plan, and iTravelInsured Travel Insurance, tailored for those who are active and adventurous.

They also offer specialized plans like the Global Employer Option and International Marine Medical Insurance.

IMG Global Pros & Cons

• Affordable Renewals : Extending your policy with IMG is generally cheaper compared to other insurers.
• Adventure-Friendly : If you’re into extreme sports or adventurous activities, IMG has you covered, even providing a $10,000 search and rescue team if you get lost.
• High Medical Coverage : With up to $500,000 in emergency medical coverage and $1 million for medical evacuation, you’re in good hands.
• No Extra Fee for Cancellation : Their plans include “cancel for any reason” or “interruption for any reason” coverage without additional costs.
• Excellent Customer Service : Customer service is a strong suit for IMG, making your experience smoother.
• Waiting Period : There’s a waiting time before you can submit a claim for lost baggage or trip cancellation, which can be inconvenient.
• Not Primary Coverage : Their health coverage is secondary, requiring you to have primary coverage in your home country .
• Limited Home Country Return : U.S. citizens can’t return home while the policy is active, and other nationals are restricted to a 14-day visit.
• Out-of-Pocket Medical Expenses : They generally don’t directly bill medical providers, so you’ll have to pay upfront and wait for reimbursement.
• Coverage Based on Trip Cost : The extent of your coverage is determined by your planned trip expenditure.

IMG Global offers a variety of plans that can be tailored to your specific needs, but it’s essential to read the fine print and understand the limitations.

Whether you’re a thrill-seeker or a cautious traveler, IMG has something for everyone, but make sure to weigh the pros and cons carefully.

6. Allianz Global Assistance

Overview of allianz.

Allianz Travel Insurance is a well-established player in the travel insurance game. With a variety of plans tailored to different types of travelers, they’ve got something for everyone.

Whether you’re a digital nomad or a frequent business traveler, Allianz offers packages that can be a good fit for your needs.

However, it’s essential to note that their plans are more suited for those who take multiple short trips rather than extended overseas stays.

Allianz Pros & Cons

• Emergency Evacuation Coverage : The Allianz Travel Easy – Oversea Annual plan offers up to $1 million in emergency evacuation, giving you peace of mind when you’re far from home.
• Baggage and Travel Delay : With up to $5,000 for baggage loss or damage and $2,000 for travel delays, you’re well covered for those unexpected hiccups.
• Pre-Existing Medical Condition Coverage : Unlike some other providers, Allianz offers coverage for pre-existing medical conditions, which can be a lifesaver for many travelers.
• Multi-Trip Policy : If you’re someone who takes multiple trips a year, Allianz’s annual or multi-trip plans can be more cost-effective than buying separate policies for each journey.
• Limited Flexibility : Allianz’s packages are fixed, meaning you can’t customize them to fit your unique needs.
• Pricey Plans : While they offer a range of services, their plans are on the higher end of the price spectrum. This is especially true for older travelers .
• Pre-Trip Purchase Required : You have to buy the insurance before you embark on your trip, which might not be convenient for everyone.
• No COVID-19 Coverage : In the current global situation, the lack of medical emergency coverage related to COVID-19 can be a significant drawback.

Allianz offers robust coverage options but comes with its own set of limitations. Make sure to weigh these pros and cons carefully to decide if Allianz is the right travel insurance provider for you.

7. World Nomads Travel Insurance

Overview of world nomads insurance.

World Nomads is a travel insurance provider that’s been in the game since 2002, specializing in coverage for the adventurous and the daring.

With over two decades of experience, they offer policies tailored to individuals who aren’t just tourists but explorers at heart.

Whether you’re a U.S. citizen or hail from another corner of the globe, World Nomads has got you covered.

World Nomads Pros & Cons

• 24/7 Emergency Support : If you find yourself in a pinch, their multi-lingual team is available around the clock to connect you with the medical services and transportation you need.
• Adventure Activity Coverage : World Nomads doesn’t shy away from the extreme. They offer coverage for over 200 adventure activities, making them a go-to choice for thrill-seekers.
• Flexibility On-The-Go : Plans change, and World Nomads gets that. You can purchase additional coverage or even make a claim online during your trip.
• Community Contributions : When you buy a policy, you also have the option to donate to community development projects. It’s a small way to make a big impact in needy destinations.
• Travel Safety Guidance : They don’t just insure you; they inform you. World Nomads offers up-to-date travel safety tips and destination guides to help you navigate your adventures.
• Country-Specific Policies : The coverage can vary depending on your country of residence, so you’ll need to be extra careful when reviewing your policy.
• No Mention of COVID-19 Coverage : In today’s travel landscape, not having specific COVID-19 coverage could be a deal-breaker for some.
• Adventure Activity Limitations : While they do cover a wide range of activities, make sure your particular brand of adventure is on their list.

World Nomads offers a robust set of features for the modern, adventurous traveler. However, it’s crucial to read the fine print and ensure that their coverage aligns with your specific needs and travel plans.

8. Insured Nomads  

Overview of insured nomads.

Insured Nomads is a travel insurance company that’s by nomads, for nomads. With founders who have lived on five continents, this company gets the unique needs of digital nomads, remote workers, and expats.

They offer a range of plans, including both travel insurance and comprehensive health insurance for those living abroad for extended periods. Whether you’re on a short-term trip or planning to live overseas, Insured Nomads has got you covered.

Insured Nomads Pros & Cons

• Global Network : With access to over a million healthcare providers and 8,000 clinics and hospitals worldwide, you’re never far from quality care.
• Telemedicine Services : Need a quick consult? Their telemedicine services have you covered, offering a modern approach to healthcare.
• Instant Reimbursement : Cash flow is king, especially when you’re abroad. Insured Nomads offers instant reimbursement, so you’re not left hanging.
• 24/7 Crisis Response : Real-time alerts and emergency assistance are available around the clock, making sure you’re always in the know and in good hands.
• Adventure Sport Option : For the adrenaline junkies, there’s an add-on for adventure sports coverage.
• Comprehensive Coverage : Their “Preferred Plus” option offers coverage up to a whopping USD 5,672,125.00.
• COVID-19 Coverage : Having COVID-19 coverage is a big plus.
• Pre-Existing Conditions : If you have any, you might face some coverage restrictions, so read the fine print carefully.
• Minimum Length : The minimum insurance length is one year, which might not suit everyone’s travel plans.
• Price Tag : While they offer comprehensive coverage, their plans are on the pricier side compared to some competitors.
• Extreme Sports Limitation : If you’re into extreme sports, you might find the coverage lacking unless you opt for the adventure sports add-on.

Insured Nomads offers a robust set of features tailored for the modern traveler but comes with a few caveats. Make sure to weigh these pros and cons to see if they’re the right fit for your globetrotting lifestyle

9. AARDY Travel Insurance

Overview of aardy travel insurance.

AARDY Travel Insurance is not your typical insurance provider; it’s a comparison platform that brings multiple insurance options to your fingertips.

It’s designed to save you time, money, and the headache of sifting through countless options. With a 5-star rating on Trustpilot and a host of reputable insurance partners, AARDY aims to make your travel insurance shopping easier.

Pros and Cons of AARDY

• User-Friendly Interface : The platform is designed to be intuitive, making it easy for even first-time users to navigate.
• Wide Range of Options : Whether you need travel medical insurance, trip cancellation coverage, or health insurance, AARDY has got you covered.
• Quality Partners : AARDY collaborates with well-known insurance companies, ensuring that you get reliable and comprehensive plans.
• Tailored Plans : The platform curates plans based on your specific needs, so you’re not paying for coverage you don’t need.
• Time-Saver : No need to scour the internet for options. AARDY brings them all to one place, saving you valuable time.
• Educational Resources : The platform offers informative articles and resources to help you make an informed decision.
• Multiple Contact Options : Unlike some platforms that offer only email support, AARDY provides a direct contact number and live chat, making customer service more accessible.
• Limited Company Choices : While AARDY does offer over 30 plans, these come from a select group of 5 or 6 leading insurance companies, which may limit your options.
• Customer Service Delays : The platform does offer a contact number, but some users have reported delays in getting through to a representative.
• Browser Compatibility Issues : Some users have noted that the website doesn’t function optimally on all internet browsers, particularly Google Chrome.

In summary, AARDY Travel Insurance offers a convenient and efficient way to compare and purchase travel insurance plans. However, be mindful of the limited range of insurance companies and potential customer service delays.

10. Integra Global

Overview of integra global.

Integra Global is a go-to for digital nomads seeking long-term, comprehensive international health insurance.

Unlike typical travel insurance that covers lost luggage or trip cancellations, Integra Global focuses solely on medical coverage. And we’re not just talking about emergency care; they also cover routine health exams, dental services, mental health, and even chronic conditions.

If you’re a digital nomad looking for something more than just emergency medical coverage, Integra Global might be your match.

Integra Global Pros & Cons

• COVID-19 Coverage : They offer coverage for COVID-19, although conditions do apply. So, make sure to read the fine print.
• Flexible Deductibles : Once you’ve paid your yearly deductible, you’re covered 100%. You can choose your deductible, ranging from around $1,000 to as high as $5,000, to fit your budget.
• Freedom to Choose Providers : Integra Global doesn’t tie you down to specific hospitals or doctors. You can get treated by any licensed medical provider.
• Pre-existing Conditions : For an additional cost, you can get coverage for pre-existing conditions. That’s a rarity in the insurance world.
• Comprehensive Medical Coverage : They offer a much higher amount of medical expenses per year compared to standard travel insurance plans.
• No Travel Benefits : If you’re looking for lost luggage or trip cancellation coverage, you’ll need to purchase separate travel insurance.
• Long-Term Commitment : Policies are available only for a year or more, so it’s not ideal for short-term travelers.
• No Direct Billing : You’ll have to pay medical providers upfront and wait for a reimbursement, which can take up to 10 days.
• Cost Considerations : While the coverage is comprehensive, remember that the pricing is for medical insurance only. It’s more like a health plan you’d have at home, including wellness visits and routine check-ups.

So, if you’re a digital nomad planning to be on the road for an extended period and want comprehensive healthcare coverage, Integra Global is worth considering.

Frequently Asked Questions: Digital Nomad Travel Insurance

Do digital nomads need travel insurance.

Yes, it’s highly recommended for digital nomads to have travel insurance. The lifestyle of a digital nomad involves various risks, from health emergencies to trip cancellations and equipment loss. Having specialized insurance ensures you’re covered for these unexpected events.

Do digital nomads need health insurance?

Yes, digital nomads should have health insurance for comprehensive medical coverage while abroad. Regular travel insurance often lacks extensive health benefits, so specialized digital nomad health insurance is advisable for long-term stays .

What Does Digital Nomad Travel Insurance Cover?

Digital Nomad Travel Insurance typically covers emergency medical expenses, trip cancellations, and baggage loss. Some plans also offer coverage for pre-existing conditions, emergency evacuation, and equipment protection.

Will airlines compensate me for lost or delayed luggage?

Airlines may offer compensation for lost or delayed luggage, but the amount and conditions vary by carrier and are often limited.

Is travel insurance worth it for international travel ?

Travel insurance is crucial for international travel. It covers unexpected medical emergencies, trip cancellations, and baggage loss, saving you from hefty out-of-pocket expenses.

What does worldwide coverage mean?

Worldwide coverage means that your insurance policy will cover you no matter where you are in the world .

Does travel insurance cover pre-existing conditions?

This varies by policy. Some digital nomad travel insurance plans do cover pre-existing conditions, but there may be limitations or waiting periods. Always read the fine print and ask questions before purchasing.

What is emergency assistance?

Emergency assistance is a service provided by the insurance company that offers 24/7 support for emergencies. This could be anything from medical emergencies to legal troubles.

How does emergency medical insurance differ from regular health insurance?

Emergency medical insurance specifically covers unforeseen medical emergencies during your travels, such as accidents or sudden illnesses. Regular health insurance may not cover you outside your home country or for travel-related incidents.

What is emergency medical evacuation coverage?

This covers the cost of transporting you to the nearest medical facility in case of a medical emergency.

Final Thoughts: Digital Nomad Travel Insurance

Now that we’ve taken a deep dive into the world of digital nomad travel insurance it’s clear there are a lot of options out there.

After trying a few different travel insurance providers, my top pick is SafetyWing Insurance. They’ve consistently received high ratings and offer a variety of plans that cater to the unique needs of digital nomads like us.

From personal experience, I can tell you that having the right travel insurance is a game-changer. But here’s the kicker—you’ve got to read the fine print. I learned this the hard way.

When I first dipped my toes into the digital nomad lifestyle, I bought an annual policy thinking I was all set. What I didn’t realize was that it only covered trips up to 30 days. So, when I had to file a claim because my dad got sick, it was denied.

Why? Because I was away from home for four months. My one “trip” exceeded the 30-day limit, making my policy pretty much useless for my digital nomad lifestyle.

Yep, this was all in the policy information. It was entirely my own fault.

So, take it from someone who’s been there—make sure you know exactly what you’re getting into before you hit that “purchase” button. Trust me, it’ll save you a lot of headaches down the road.

Related Posts

• How to Find Affordable Digital Nomad Health Insurance
• Countries With Good and Affordable Healthcare
• Pros and Cons of Being a Digital Nomad
• The  Best Cities for Digital Nomads
• Best Digital Nomad Books
• Older Digital Nomads
• Working for a US Company While Living Abroad
• Digital Nomad Equipment & Gear
• Navigating the World of Digital Nomad Housing

The post Top 10 Digital Nomad Travel Insurance Plans (2024) appeared first on Digital Nomad and a Dog .

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I’m a self-made millionaire and digital nomad: 3 best places for freelancers to live abroad.

Courtney Allen was working as a corporate manager when she decided she was ready for a big change. Allen quit her 9-to-5 and started her own business, 16×9, designing corporate decks — and traveled the world while doing it. Using the Upwork platform, she was able to land major clients including Adobe, P&G and Home Depot, and has since scaled her business to over $2 million in revenue. During that time, she has traveled all over the world and has discovered the best places for freelancers to live and work abroad.

Check Out: I’m a Frugal Self-Made Millionaire: 6 Things I Never Waste Money On

Read Next: 4 Genius Things All Wealthy People Do With Their Money

“Fast (enough) Wi-Fi, a like-minded community and an abundance of delicious food were non-negotiables when I decided to begin traveling and living abroad while freelancing over a decade ago,” she told GOBankingRates. “Ubud [in Bali, Indonesia], Medellin, [Colombia] and Valencia, [Spain] have gained legendary status in the digital nomad community over the years, but I want to introduce some rising players in the scene.”

Here are the top destinations Allen recommended for fellow freelancers who want to live abroad .

Wealthy people know the best money secrets. Learn how to copy them .

Allen lived in Bangkok from 2012 to 2013 and loved it so much that she returned in 2016.

“There’s a reason why it’s usurped Chiang Mai, [Thailand] as being the No. 1 ranked city on Nomad List : It’s a frenetic place where working and playing hard is embedded in the city’s culture,” she said. “There are expansive co-working spaces in every popular expat neighborhood, which all have their own distinct vibes. Whether you enjoy Michelin-starred restaurants or kana moo krob on the roadside, luxury malls or night markets, there really is everything, everywhere, all at once.”

Explore More: I’m a Self-Made Millionaire: Here’s What My Salary Looked Like Over the Years

Merida, Mexico

Allen said there are a number of advantages to working abroad in Merida.

“For someone who wants to be away but close enough for a quick flight back to the U.S. and keep normal working hours, this is it,” she said. “The safest city in Mexico — and ranked No. 2 in North America — makes you feel welcomed with its warm people and warmer weather.

“Within three days of being there, I connected with an active community of expats as we went on a self-directed bakery tour,” Allen continued. “After staying there for two months, I was this close to purchasing a house and staying put — that’s how much I fell for its charms.”

Seoul, South Korea

Allen currently resides in Seoul and believes it’s also a great spot for digital nomads to call their (temporary) home.

“With the fastest 5G internet in the world, it is all but assured that you can hotspot into a team call wherever in the country you are — from the beaches of Busan to the traditional mountainside temples,” she said. “What makes Korea an ideal place to work for me is its cafe scene: With over 18,000 coffee shops in just Seoul alone, they have become the quintessential gathering spots for work and play. Plus with its new Digital Nomad visa pilot program, which rolled out in January 2024, you can stay for up to two years.”

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10 Best Digital Nomads Destinations In the World

By: Author Ruben Arribas

Posted on June 24, 2024

Categories Digital Nomad

Our full guide on the Best Digital Nomads Destinations from cities in Asia and Europe to beaches around the world.

For digital nomads, finding the perfect destination involves a mix of reliable internet, affordable cost of living, vibrant communities, and a good quality of life. Here are some of the best destinations for digital nomads around the world right now.

These destinations offer a mix of affordability, vibrant communities, and excellent working conditions, making them ideal for digital nomads seeking adventure and productivity.

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Table of Contents

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Tips for Digital Nomads

Ensure you understand the visa requirements and regulations of your chosen destination.

Reliable and fast internet is crucial for remote work, so verify the connectivity before committing.

Engage with local digital nomad communities through meetups and online groups to build a network and find support.

Choose a location that aligns with your work schedule and allows you to communicate effectively with clients or colleagues.

Ensure you have access to good healthcare facilities and maintain a healthy work-life balance.

Best Digital Nomads Destinations

1. bali, indonesia.

Bali is a top destination for digital nomads due to its affordable cost of living, beautiful landscapes, and vibrant expat community. Popular areas like Ubud and Canggu offer numerous co-working spaces, cafes with high-speed internet, and a laid-back lifestyle.

The island also boasts stunning beaches, rich cultural heritage, and a warm climate.

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2. Chiang Mai, Thailand

Chiang Mai has long been a favorite among digital nomads. Known for its affordability, excellent food, and friendly locals, Chiang Mai offers a range of co-working spaces and a strong sense of community. The city also provides easy access to nature, with nearby mountains and national parks.

3. Lisbon, Portugal

Lisbon has emerged as a hotspot for digital nomads thanks to its mild climate, rich history, and vibrant culture. The city offers numerous co-working spaces, reliable internet, and a growing community of remote workers.

Lisbon’s cost of living is reasonable compared to other Western European capitals, and its culinary scene and nightlife are exceptional.

4. Medellín, Colombia

Medellín , known as the “City of Eternal Spring,” offers a perfect climate, affordable living, and a welcoming atmosphere. The city has a range of co-working spaces and a burgeoning digital nomad community.

Its transformation from a troubled past to a modern, innovative city is impressive, and its scenic landscapes add to its charm.

5. Mexico City, Mexico

Mexico City is a bustling metropolis with a rich cultural scene, fantastic food, and a growing digital nomad community. The city offers numerous co-working spaces and cafes with good internet connectivity.

While it is one of the more affordable major cities in North America, Mexico City also provides a dynamic and vibrant lifestyle.

6. Tbilisi, Georgia

Tbilisi is gaining popularity among digital nomads for its affordability, stunning architecture, and friendly visa policies. The city offers a variety of co-working spaces, reliable internet, and a unique blend of European and Asian influences.

Georgia’s one-year visa-free policy for many nationalities makes it an attractive option for long-term stays.

7. Ho Chi Minh City, Vietnam

Ho Chi Minh City is a bustling hub with a low cost of living, vibrant street life, and a growing community of digital nomads. The city has numerous cafes and co-working spaces with high-speed internet.

Its dynamic environment and mix of traditional and modern influences make it an exciting place to live and work.

8. Barcelona, Spain

Barcelona offers a perfect blend of beach, culture, and modern amenities. The city has a thriving startup scene, numerous co-working spaces, and excellent internet connectivity.

While the cost of living is higher than some other destinations, Barcelona’s quality of life, vibrant nightlife, and beautiful architecture make it worth considering.

9. Tallinn, Estonia

Tallinn is known for its innovative e-residency program, making it easy for digital nomads to start and run businesses remotely. The city offers a high quality of life, a safe environment, and excellent internet infrastructure.

Tallinn’s medieval old town , modern amenities, and tech-savvy culture create a unique and attractive destination.

10. Cape Town, South Africa

Cape Town offers breathtaking landscapes, a mild climate, and a diverse cultural scene. The city has a growing number of co-working spaces and good internet connectivity.

While certain areas of Cape Town can be expensive, the overall cost of living is reasonable, and the city’s natural beauty and outdoor activities are unparalleled.

About the Author : Ruben , co-founder of Gamintraveler.com since 2014, is a seasoned traveler from Spain who has explored over 100 countries since 2009. Known for his extensive travel adventures across South America, Europe, the US, Australia, New Zealand, Asia, and Africa, Ruben combines his passion for adventurous yet sustainable living with his love for cycling, highlighted by his remarkable 5-month bicycle journey from Spain to Norway. He currently resides in Spain, where he continues sharing his travel experiences with his partner, Rachel, and their son, Han.