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Travel insurance for digital nomads is an absolute necessity, and the same applies with long-term travellers. We should be more specific here… travel health insurance is the most important cover to get if you are planning long-term travel out of your own country for more than a few weeks.

Selecting digital nomad insurance can often be a case of going with the first result that pops up on Google in a blind panic, but if you’re going away for a long period then shopping around can get you some great deals, so it’s worth doing some research. Now not everybody has time for that, so I’ve done it all for you.

But firstly…

What is travel health insurance and why do you need it?

If you’re looking to travel for longer than 30 days in 1 or more foreign countries, you definitely need travel health insurance.

Especially if you’re going to be doing any kind of adventure sports like climbing, off-roading or scuba diving. Also if you have any expensive electronic equipment like cameras or laptops.

Even if you are covered in your home country for health insurance you still need to be covered in case of an emergency abroad. A good policy will cover things like:

Some definitions which are useful when looking at digital nomad insurance policies:

Some details to have ready when you’re looking for an insurance quote:

There are plenty of companies that offer travel health insurance and it can be difficult to know which is the best to go for. I’ve assessed 5 of the most popular travel health insurance companies for long-term travellers, and here is my analysis:

SafetyWing ★★★★★

SafetyWing logo

SafetyWing are one of the newest companies out there. They are one of the most affordable and flexible on the market. Their aim is to build a country independent safety net for travellers and digital nomads and they are already offering a package that is superior in many ways to some of the more established companies.

Positives

Drawbacks

Pricing for a 35-year-old nomad who’s already travelling:


Worldwide ex USWorldwide
1 week$9$17
4 weeks$37$68
52 weeks$480$881


World Nomads ★★★★

Best Travel Health Insurance Providers For Digital Nomads & Long-Term Travellers 1

World Nomads are a stalwart of the travel health insurance scene, having been around since 2002. They are a company with a lot of experience in the sector and offer some great packages.

World Nomads comes in at a lot more expensive than pretty much anyone else; but you do get a lot of coverage for this (which isn’t necessarily a good thing if you don’t need that much).

They are probably the best-known company to digital nomads and long-term travelers so let’s have a look at what’s included:

Positives

Drawbacks

Base price of a Standard/Explorer plan for a 35-year-old traveler from the UK (prices converted from GBP at the time of writing):


Worldwide ex USWorldwide
1 week$55/$66$62/$77
4 weeks$104/$124$114/$155
52 weeks$469/$626$627/$774


IMG ★★★

IMG Logo

IMG are an established company that focuses on the health side of the travel insurance market. Not as traveller-friendly as a few of the other companies listed here, what they do offer is comprehensive cover.

They are one of the more affordable travel health insurances on the market, but they do come with a few drawbacks because of that. If you’re just after a standard health-only insurance, then this is the one for you. For digital nomad insurance or long term travel insurance they may not be as focused as SafetyWing and World Nomads.

Positives

Drawbacks

Pricing for a 35-year-old single traveller (travel health only, $500,000 limit, $250 deductible):


Worldwide ex USWorldwide
1 week$10$19
4 weeks$39$76
52 weeks$504$972


True Traveller ★★★★

True Traveller Logo

True Traveller have been around since 2010 and pride themselves on being created by travellers for travellers. Their offering comes from the experience of the founders and their team who know long term travel well and know the importance of long term travel insurance.

Probably the most popular provider in the UK, they offer some of the most affordable plans out there (prices do go up when adding extras).

Positives

Drawbacks

Base price* for a 35-year-old nomad who is already traveling (prices converted from GBP at the time of writing):


Worldwide ex US & CanadaWorldwide
1 week$55$62
4 weeks$111$126
52 weeks$462$551


Allianz ★★★

Best Travel Health Insurance Providers For Digital Nomads & Long-Term Travellers 2

Allianz are a global company with a huge offering across sectors. They give you the reassurance of a recognised name brand if you’re unsure whether to go with a smaller company However, this does come with some drawbacks.

One of the most expensive options out there, they are a reputable company so worth having a look at, but aren’t available everywhere. Furthermore, they don’t focus specifically on digital nomad insurance or long term travel insurance so the cover they provide will likely be broader and less focused on your needs.

Positives

Drawbacks

Concluding thoughts

Prices of digital nomad travel health insurance can vary widely depending on your country, so it’s worth doing some research to see if this is suitable.

When looking for an insurance policy, it’s definitely worth going through a few providers before choosing. Some other good tips to keep in mind are:


There are some pretty good options out there for long-term travel (or digital nomad) insurance. However, I have found that the ones who focus solely on this market often offer the most bespoke packages that are more suited to the typical issues you might need insurance for on a very long, multi-country trip.

That’s why I’ve found SafetyWing and TrueTraveller to be the best options with World Nomads in at a close third. However, every situation is different and you should do your research to see how each provider applies to you individually.

Digital nomads who are well-versed in SEO and digital marketing may even be able to offer their skills to companies in exchange for a free month or trial. With flexible insurance options, this might be worth exploring to get a feel for the digital nomad health insurance that is right for you.