BEST 5 DIGITAL NOMAD INSURANCE PROVIDERS: your top GUIDE!
BEST 5 DIGITAL NOMAD INSURANCE PROVIDERS: your top GUIDE!

INTRODUCTION: BEST 5 DIGITAL NOMAD INSURANCE PROVIDERS
If you are working/traveling as a digital nomad then you know that there are risks involved with your work and the best way to minimize these risks is with the proper travel insurance. As a digital nomad, your office is where you open your laptop. Your biggest worry should only be “Is there decent wifi”, not whether you are covered if disaster strikes. Insurance for digital nomads has come a long way over the last decade and insurance companies are continually changing and adapting to service this relatively new niche of insurance customers.
As someone who works as a consultant in Canada, and for several months out of the year remotely from Spain, I am quite familiar with nomad/travel insurance. And as an avid kitesurfer and windsurfer, I always make sure that all of my activities and my digital equipment are covered appropriately. So, whether you have been on the road for the last few years or you’re brand new to a nomadic lifestyle, this guide will help you navigate these uncharted waters and find the best digital nomad insurance to suit your situation.
In terms of recommendations of where to go to work as a digital nomad, so far my remote work experience has been limited to mainland Spain. However, I read an article recently which rated several excellent international destinations for digital nomads (including Las Palmas in the Canary Islands) which are definitely worth considering for your next step, where ever that might be.
Understanding Nomad Insurance: What Sets It Apart
What is digital nomad insurance and why can’t you just use standard regular travel insurance?
Standard travel insurance was developed over the years to service a market of travelers who were going on their annual 2-week vacation to one specific country (often a relatively safe destination in Europe or the Caribbean), and then back home, with the focus being mainly on emergencies – rinse and repeat. Digital nomads on the other hand are on the road for an extended time stretching into several months or even years, hopping from country to country on the search for new adventures and destinations. A standard 2-week policy just doesn’t cut it. Digital nomad insurance is designed to be versatile and tailored to those who have turned home into a concept rather than a fixed address.
Digital nomad insurance usually includes:
1. Long-term health coverage
2. Tech protection
3. Liability coverage
4. Coverage for multiple countries
However, not all insurance policies are created equal so you need to do your due diligence and find the provider that will meet your needs best. You need a provider who gets it and understands that your work doesn’t stop just because you’ve switched time zones (again).
The right insurance provider will offer plans that flex with your lifestyle, not fight against it.

What are the Factors to Consider When Choosing Digital Nomad Insurance?
1. Coverage Limits and Deductibles:
Look for a balance between what you pay upfront and what you’ll pay if something goes sideways.
2. Geographical Restrictions:
Make sure your policy covers all the countries you plan on traveling to and consider plans that will let you add coverage on the fly.
3. Length of Coverage:
Consider your intended travel destinations and how much time you plan to stay. Some policies cap out at a certain number of days, while others offer indefinite coverage. Choose one that matches your pace.
4. Tech and Equipment Protection:
As a digital nomad working on the road, your tech equipment is your livelihood. Find a policy that’ll cover your gear in case of an accident or theft.
5. Adventure Sports and Activities Coverage:
If you’re planning to try out some new sport or adrenalin-filled activity, make sure your policy covers it. Nothing kills the fun quite like realizing you’re not insured for that impromptu skydive.
6. Ease of Claims Process:
When you’re dealing with a medical emergency in a country where you don’t speak the language, the last thing you need is a complicated claims process. Look for providers with 24/7 support and simple, preferably digital, claims procedures.
7. Customer Support Quality:
Look for a provider that’s easy to reach and speaks your language. The last thing you want is a language barrier and no support when something happens like an allergic reaction or a car accident.
Remember, the goal here is to find insurance that lets you focus on living your best nomadic life, not worrying about what-ifs. It should enhance your experience without being the center of attention.
So with these factors in mind let’s move on to the best 5 providers.

Best 5 Insurance Providers for Digital Nomads
1. SafetyWing
SafetyWing Nomad Insurance offers comprehensive global coverage tailored for digital nomads and frequent travelers. With its affordable and flexible subscription model, it provides essential protection against unexpected medical expenses and travel disruptions worldwide.
Key Features:
• Nomad Insurance and Remote Health plans
• Affordable monthly subscription model
• COVID-19 coverage (because apparently, that’s still a thing in 2024)
Pros:
• Super flexible – you can buy or cancel anytime
• Covers you in your home country for short visits
• Pretty darn affordable compared to many others
Cons:
• Coverage limits might be too low for some
• Doesn’t cover high-value electronics or extreme sports
Ideal for: New nomads or those testing the waters of long-term travel.
(For more information see our previous post comparing SafetyWing with World Nomads).
2. World Nomads
World Nomads Insurance provides comprehensive coverage ideal for adventurous travelers and backpackers, including travel insurance protection for a wide range of adventure activities. They have a straightforward claims process and flexible policy options.
Key Features:
• Comprehensive adventure activities coverage (over 200!)
• Flexibility to buy or extend while traveling
• Tech and gear protection
Pros:
• Covers a ton of activities
• Good for both short-term and long-term travelers
• Solid reputation and backed by big names in insurance
Cons:
• Can be pricier than some other options
• Age restrictions on some plans
Ideal for: Adventure seekers and sports enthusiasts.

3. IMG Global
IMG Global Insurance offers extensive international travel insurance coverage specifically designed for international travelers and expatriates It provides tailored plans that meet diverse health and travel needs with customizable options and strong support services.
Key Features:
• Long-term coverage options
• Customizable plans
• Strong reputation for medical coverage
Pros:
• Excellent for US citizens needing global coverage
• Options for both short-term and long-term travel
• Renewable indefinitely (for when you realize you’re never going back to a “normal” job)
Cons:
• Interface seems a little outdated
• Some plans have high deductibles
Ideal for: Long-term nomads who want strong medical coverage.
4. Insured Nomads
Insured Nomads delivers comprehensive global health coverage tailored for digital nomads and remote workers, ensuring seamless protection wherever your work takes you. Insured Nomads has digital convenience and strong community support features.
Key Features:
• Tech-forward approach with app integration
• Comprehensive coverage including evacuation
• Options for US citizens and global citizens
Pros:
• Modern, user-friendly interface and app
• Includes some unique perks like cybersecurity protection
• Flexible plans for different types of nomads
Cons:
• Relatively new, so less established track record
• Might be overkill (and overpriced) for casual nomads
Ideal for: Tech-savvy nomads who want cutting-edge features and don’t mind paying a bit extra for them.
5. Integra Global
Integra Global Insurance provides personalized health plans designed for expatriates and international families, ensuring tailored coverage that meets diverse needs. With an extensive global network and exceptional customer service, it offers reliable protection and support for your life abroad.
Key Features:
• Specialized in long-term international health insurance
• Wellness benefits included
• Options for individuals and groups
Pros:
• Comprehensive health coverage, including mental health
• Good for nomads with families or pre-existing conditions
• Focuses on preventative care, not just emergencies
Cons:
• More expensive than some other options
• Less flexible for short-term travelers
Ideal for: Established nomads looking for strong, long-term health coverage. Good for nomads with families.

Comparing the Top 5: Which One Is Right for You?
The table below shows a comparison of all five providers. Note that this is just a snapshot, the companies are continuously tweaking and modifying their travel insurance/ nomad insurance offerings on a constant basis.

Which Insurance Provider Is Better For Who? (Sorry, I just can’t bring myself to say “whom”)
• The Newbie Nomad: You’re just starting out, maybe doing a few months abroad to test the waters. SafetyWing is your best bet – affordable, flexible, and covers the basics.
• The Adrenaline Junkie: You’re here for a good time, not a long time (or maybe both). World Nomads has you covered for everything from scuba diving to skydiving.
• The Long-term Nomad: You’ve sold all your stuff and embraced the digital nomad life full-time. IMG Global offers the long-term stability and medical coverage you need.
• The Tech Wizard: Your gear bag is worth more than your first car. Insured Nomads will protect your tech and throw in some cybersecurity perks to boot.
• The Family Nomad: You’re bringing the whole crew along for the adventure. Integra Global offers comprehensive coverage for you and your little (or not so-little) ones.
Remember, the best insurance is the one that lets you sleep soundly at night (or during the day – we don’t judge time zones here). Don’t be afraid to mix and match or even combine policies if needed. Your peace of mind is worth it!
Tips for Maximizing Your Digital Nomad Insurance
After considering your options you have probably decided on which provider to go with. But there are still some things to consider. Here are some pro tips to help you squeeze every last drop of value out of your policy:
1. Read the Fine Print (I Know, I Know…)
Nobody likes this part but you want to have an idea of what you are covered for and where are the pitfalls. At the very least before renting that SCUBA gear or renting that scooter you should review your travel insurance policy to ensure that you are covered. There may be a stipulation that you must have a recently completed SCUBA course under your belt or there may be an upper limit on engine size that the insurance will cover (for example).
2. Keep Detailed Records
Document everything! Keep receipts, medical reports, and police statements – if it’s related to a potential claim, save it. Pro tip: Use a cloud storage service so you don’t lose everything if your phone decides to go swimming.
3. Use Those Extra Perks
Many policies come with added benefits like travel assistance or telemedicine. Make sure to use these. A quick telemedicine consult could save you from an unnecessary (and expensive) hospital visit.
4. Stay in Touch
Don’t ghost your insurance provider. If you’re planning something out of the ordinary (like SCUBA diving), give them a heads up. They might need to adjust your coverage.
5. Be Honest
I know it’s tempting to “forget” about that pre-existing condition or that high-risk hobby. But lying to your insurance provider is not a good idea and could end up costing you a lot.
6. Review and Renew Smartly
Your nomadic life is ever-changing, and your travel insurance should keep up. Set a reminder to review your policy every 6-12 months. Maybe you’ve picked up a new hobby or decided to settle in one place for a while. Adjust accordingly!
7. Combine and Conquer
Sometimes, one policy doesn’t cut it. Don’t be afraid to mix and match. I know nomads who combine a basic health policy with separate gear insurance for maximum coverage.
8. Learn the Local System
Every country’s healthcare system is different. Take some time to understand how things work where you are. Knowing whether to go to a public hospital or a private clinic can save you time, money, and headaches.
9. Emergency Fund is Your Friend
Even with the best travel insurance, having an emergency fund is crucial. It can cover deductibles or expenses that might not be included in your policy.
Remember, the goal here is to have insurance that works for you, not against you. It should be your safety net, not a straitjacket. With these tips, you’ll be well on your way to a great nomadic adventure – protected, prepared, and ready for anything the road throws your way.

FINAL THOUGHTS: BEST 5 DIGITAL NOMAD INSURANCE PROVIDERS
Choosing the right insurance comes down to choosing a provider and policy that works for you. What works for your co-working buddy might not be the best fit for you. Take the time to assess your specific needs – your travel style, your risk tolerance, your budget, and your own personal requirements. As the digital nomad world continues to evolve it’s crucial to stay informed and regularly review your coverage. The nomad life is all about flexibility and adaptation, and your insurance should be no different.
And remember why you’re doing this in the first place. The right insurance isn’t about limiting your adventures – it’s about giving you the freedom to say “yes” when the opportunity for a new adventure presents itself. It’s about having the confidence to fully immerse yourself in the beautiful chaos of nomad life, knowing you’ve got a solid backup plan.
Reg Auge
Reg holds an MBA, is a former Captain in the Canadian military and has worked as a consultant in industry for over 20 years. From his home in Spain, he has spent the last 10 years traveling throughout the Mediterranean, exploring the various countries and regions. He also regularly runs, windsurfs, and kite surfs, maintaining a healthy and active way of life. Captivated by this Mediterranean lifestyle, he began a Blog last year to inspire like-minded souls to learn about and discover this unique region for themselves.