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10 Digital NOMAD INSURANCE Plans for Health & Travel in 2024

When you become a digital nomad or long-term traveler, you know that unexpected things can happen and you always need to be insured.

Considering the option of traveling without insurance is NO GO! Even a simple doctor’s visit or medical check-up in a foreign country as a tourist can be very expensive.

Without insurance, you can end up in a big debt if something serious happens to you. Also, having your gear stolen may be an annoying problem for your wallet and also your business or remote job if you “ travel and work from anywhere “.

Nomad Insurance Plans 2023

• SafetyWing – Insurance for Digital Nomads – MONTHLY PLAN
• PassportCard Nomads Insurance
• Insured Nomads – Nomad Insurance
• Heymondo – Travel Insurance
• CoverAmerica-Gold – Best for U.S. Travel
• Travelex Insurance Services – For all type of trips
• Integra Global – Nomad Insurance
• Allianz Global Assistance
• AIG Travel Guard

Best Digital Nomad Insurance for Health & Travel:

1. safetywing – digital nomad insurance – monthly plan ($42).

SafetyWing is a remote working company that is rapidly gaining new clients. Their specialty is providing primary health insurance for nomads.

This is very helpful for long-term travelers who may no longer carry health insurance in their home country. Their company is a subsidiary of a powerful global insurance company, Tokio Marine.

• You don’t need permanent residency in any country to get the insurance.
• Those under 39 years old will find SafetyWing quite affordable.
• Besides the medical coverage, you will get non-medical evacuation coverage, interruption, and cancellation of trip coverage and baggage claims.
• You can pay monthly, rather than all upfront.
• When you visit your home country for up to 30 days, you are still covered, unless you are a U.S. citizen.
• You can choose private doctors and hospitals.
• 1 child per adult and 2 children under 10 per family can be also included free of charge. 
• Some activities that a regular nomad considers not very risky are not covered, such as climbing mountains at high elevations, scuba diving, and ice hockey.
• The coverage in total maxes out at $250,000.
• You have to be in possession of an international scooter license to be covered if you have a scooter or motorbike accident. These kinds of accidents are very common while traveling around Southeast Asia.

Some estimates on pricing: Some estimates on pricing: SafetyWing travel insurance for a 90-day trip for a 20-year-old to Finland comes up to only $129! Anyone up to age 39 will get that price. If you are 60 or older, the price jumps to $443.

Recent customer reviews of Safetywing on trustpilot.com

2. PassportCard Nomads – Nomad Insurance

PassportCard Nomads is a company that is always adapting and improving to meet the needs of the digital nomad community.

• Flexibility – It’s simple to cancel, change, or extend your plan’s duration.
• No out-of-pocket charges – Simply download the app, file a claim, and money will be loaded onto your card so you can immediately cover any expenses.
• One of the best apps in the market- You may use the app to find a doctor nearby, load money onto your card, update your information, and view your plan’s coverage advantages 24 hours a day, 7 days a week.
• 24/7 Emergency assistance 
• You can make a purchase after your trip has begun.
• Prices are relatively low: Plans start at $59 per month and include Covid-19 coverage.
• Great coverage for extreme sports
• Pre-existing conditions are not covered.
• There is no coverage for the United States.
• Only up to 45 years old

3. Insured Nomads

I nsured Nomads is a travel insurance company created by nomads who have lived on five continents and understand what a traveler need when on the road.

The company offers two options, Global Health and Travel insurance, we’ll focus on the first because it covers extended trips (365 days or more) and people who reside overseas as digital nomads.

• This policy offers travel alerts, country-specific datasheets, telemedicine consultations, airport lounge access, and more. 
• It also covers COVID-19.
• It is possible to add on its Adventure Sport option.
• Great coverage! The “Preferred” option covers up to USD 1,134,250.00 and the “Preferred Plus” up to USD 5,672,125.00
• Their “Travel Insurance” option is available for those on short-term trips (less than a year) or for multiple short trips within the 1-year coverage period.

The “Preferred Plus” costs $588.7658 a month, while the “Preferred” costs $407.97 also per month (for Americans living in Mexico – example.)

Health Coverage:

The coverage includes all these services in the countries selected in your 1-year renewable plan.

• Hospital Stay
• Surgery & Related Care
• Organ Transplant
• Physician consultations
• ER or Urgent Care
• Diagnostic tests
• Alternative & Complementary treatments
• Ambulance Transportation
• Vaccinations
• Preventative Screenings
• Prescription Drugs
• Vision Care

Both choices are pricier than several of their competitors. However, their coverage is far more comprehensive than most of them offer.

4. Heymondo Travel Insurance

Best for tourists going on single trips and who don’t want to sign a long-term commitment.

The majority of travel insurance providers offer coverage for 30 days to 6 months. When traveling on a single trip for business or pleasure and knowing your departure and return dates, Heymondo not only offers safety for extended stay plans but also for single trips.

• Ideal for – Single or multiple-trip travelers
• Heymondo provides medical aid ranging from USD $100.000 to USD $10.000.000. (conditions apply)
• Depending on your plan, the coverage limit is either USD $ 250,000 or USD $ 500,000.
• Purchase time: You can obtain it before or during your trip.
• You are not required to sign a long-term contract.

Other benefits:

Heymondo quote for a single trip

Both Heymondo Top and Heymondo Premium cover:

• Medical and dental emergencies overseas
• Medical transport and repatriation
• Baggage 
• Travel disruption
• It may be a little bit expensive. For a 2-week trip from the U.S. to Europe Heymondo Premium costs USD $102.85, Heymondo Top costs USD $80.48 and Heymondo medical costs USD $73.57
• Heymondo medical doesn’t cover baggage loss or travel disruption.

5. CoverAmerica-Gold  

Best for nomads, tourists, and remote workers visiting the U.S.

CoverAmerica-Gold travel insurance provides a cost-effective solution when visiting the U.S. amidst the current new travel uncertainties. Their plans have been customized for non-U.S. residents. 

Back in your home country, you are probably used to seeing visitors getting covered by your great public health care. Keep in mind that that option is not available in the U.S. 

Making sure that your health is protected is nothing but an integral part of your nomad trip. 

Below we decoded the advantages of CoverAmerica-Gold:

• CoverAmerica-Gold is part of the United Healthcare PPO network which offers a large-scale network of medical providers and medical facilities across the U.S. that can directly bill the insurance company. This means that you don’t have to be worried about not having cash with you.
• In addition to your travel insurance coverage, CoverAmerica-Gold offers medical emergency services
• Covers acute onset of pre-existing conditions for those under 70
• You annual influenza shot is included 
• A quick visit to the urgent care is included with a small copay of only $15
• No cancellation or renewal fees
• COVID-19-related expenses are included if purchased for a minimum of 30 days. 
• It’s affordable. A 30 year old visiting the U.S. in Christmas 2021, will only need to pay $ 96,72 for a 30-day visit. 

• Loss of passport or travel documents 
• Foreign excursions and cruise coverage around North America 
• Emergency dental treatment & eye exam
• Missed connection benefit available during international travel to the U.S.
• Only non-U.S. residents can purchase it 
• Trips to other South and North American countries may be very limited

6. Travelex Insurance Services – For all types of trips

Travelex travel insurance offers digital nomads and remote workers protection for a variety of trips, including weekend getaways, long stays and luxury vacations.

The Basic plan provides you with all the essentials. Travel Select plan allows travelers to customize their needs. And Flight Insurance is designed for those whose needs are more related to flight-specific protection.

• Covers COVID-19: if you test positive for COVID-19 you may be eligible for trip cancelation, interruption, or emergency medical or medical evacuation.
• Trip Cancellation and Interruption: regardless of the covered reason why your trip is canceled or interrupted, you will receive a reimbursement of the money you have spent. These include injuries, flights cancelations and others. This benefit also applies for the basic plan. 
• Emergency medical and evacuation: If you suffer an accident when traveling, the company will provide you with emergency evacuation to a medical facility. In case you or your travel companion passes away, the policy will cover the cost of transporting remains home. 
• 24/7 Assistance: This is our favorite one! Who doesn’t love a travel concierge? Well, in case you are looking for hidden paradises, or get sick and do not know where to go or even have legal issues, Travelex travel assistance will assist you as a travel concierge. And it is included in all of the plans!
• 98% of claims are paid: Filing an insurance claim is relatively easy and seems to be faster than the industry average .
• The coverage for COVID-19 may be quite limited. 
• Basic services have an additional cost otherwise, they are not included.

Our 22-year-old remote worker will pay $ 324 for the basic plan. However, they should add extra money for basic services such as some medical expenses ($139), adventure sports ($10) and AD&D ($18) so the total plan actually starts at $491. 

7. Integra Global – Nomad Insurance

Integra Global offers international healthcare insurance for long-term digital nomads. They offer no traveler’s benefits, such as lost luggage claims or trip cancellation insurance. Instead, they offer comprehensive international medical insurance that is not limited to emergency care, the latter as is the case with most travel insurance.

They also cover routine health exams, dental and mental health services as well as chronic conditions. Travel insurance rarely covers these types of expenses.

• It might cover you if you test positive for COVID-19, but conditions apply.
• After the deductible is paid for the year, the coverage is 100 percent. You can choose a range of yearly deductibles. A good sweet spot is around $1,000, but you can make your deductible as high as $5,000 to save some serious money on the coverage .
• They work with any licensed hospital or doctor.
• There are also plans available, at an additional cost, that will provide you treatment for pre-existing conditions.
• They cover a much higher amount of medical expenses per year than travel insurance health care plans do.
• You will have to purchase separate travel insurance for everything other than medical needs.
• You must purchase a policy for a year or more.
• There is no direct billing, so you will need to front the money to the medical care provider and wait seven to 10 days for reimbursement.

For our 20-year-old globetrotter with no pre-existing conditions who do not opt for the dental plan, we have a quarterly premium of $884 with a reasonable $200 deductible. If you opt for the dental plan, the quarterly premium rises to $1,009. For an individual who is 60 years of age with no pre-existing conditions and the $1,000 deductible, we have a cost of $4,468 with the dental plan inclusive.

8. Allianz Global Assistance

Allianz Travel Insurance, a prominent player in the travel insurance industry, offers comprehensive coverage to travelers worldwide. As part of the larger Allianz Group, a global leader in insurance and financial services, Allianz Travel Insurance specializes in providing a range of travel insurance plans designed to meet the diverse needs of travelers.

• Allianz Travel Easy – Oversea Annual offers up to $1 million in emergency evacuation coverage, $5,000 in baggage loss or damage claims, $2,000 of travel delay coverage and pre-existing medical condition coverage availability.
• You can’t buy coverage for canceling your trip for any reason.
• Their packages are fixed in their offerings, but there are a wide variety of packages.
• Their plans are higher priced.
• Their customer service could be better.
• In order to have the coverage, you have to buy it before you leave on your trip.
• Does not cover medical emergencies related to COVID-19.

Some estimates on pricing: Allianz Travel Easy Plan for the 18-70-year-old costs $1,090 for 180 days of travel. The price is dependent upon the cost of your trip.  

9. IMG Global

IMG’s travel insurance packages have many of the features that others provide but at a very affordable price. They have a number of packages. For nomads who simply want medical insurance coverage and don’t feel the need for the rest, the best package is called “Global Medical Insurance.” The “iTravelInsured Travel Insurance” caters to digital nomads who are in far-flung regions of the world and are active and adventurous.

• The cost to renew your policy is much cheaper than with the other insurers.
• If you want the coverage to ski, bungee jump, ride in helicopters and go scuba diving, this is your company. If you get lost, they will provide $10,000 for a search and rescue team.
• You get $500,000 in emergency medical coverage (!) and $1 million in medical evacuation coverage.
• Cancel for any reason or interruption for any reason coverage is included without an extra fee.
• Their customer service is stellar.
• They have a wait time before you can claim lost baggage or trip cancellation. It’s excessive and leaves customers out in the lurch a bit.
• The health coverage package is not primary coverage, so you need to have coverage in your home country as well in order to qualify.
• U.S. citizens are not allowed to return home while the policy is in force. Nationals of other countries are only allowed 14 days, otherwise, they cancel your policy.
• They do not directly bill medical providers, so you will have to foot the fee and wait for reimbursement.
• The coverage is based on the amount you plan to spend on your trip. 

Some estimates on pricing: For a $4.000-budget trip the coverage for the Travel LX policy costs the 20-year-old $239.44 for the 90 days. For our 60-year-old, they can expect to pay a premium of $3,396.91 for a trip the same length, so there is a bit more of a price differential here by age.

As you can see, there is a lot of variety in the offerings of travel insurance coverage for digital nomads. You have to consider your length of stay if you have and will maintain insurance in your home country, your age, pre-existing medical conditions and the types of activities you will engage in on your trip. Some may opt for international medical insurance only, if they may be considering not returning home.

10. AIG Travel Guard

AIG Travel Guard is a global insurance company. It supports customers from all walks of life, including digital nomads and remote workers.

AIG Travel Guard Pros

• Travel Guard provides a variety of insurance policy plans to suit various lifestyles.
• It has a comprehensive website that is simple to use.
• Subscribing to a policy is a simple and straightforward process.
• Travel Guard updated its strategies to cover COVID-19 cases.

AIG Travel Guard Cons

• Although it claims to be a worldwide insurance organization, most of its plans are not available around the globe .

Other insurance alternatives:

• World Nomads
• Visitors Coverage

We hope you’ve found some useful information about digital nomad travel insurance plans. If you have some additional information, feedback or any other suggestions. Feel free to leave a comment in the section below. Thank you 🙂

Disclaimer: Affiliate links are links that allow website owners to earn a commission on any sales generated by a click from their website. It’s important to note that some of the links on this website may be affiliate links, which means that if you click on the link and make a purchase, I may receive a commission.

Thanks so much for this review! I’ve been pulling my hair out for days trying to find an insurance company who will offer annual coverage for those of us who are “homeless” and don’t have health insurance already. Phew!

Safety Wing website now says it is not primary coverage in the FAQ.

Thanks for updating us.

Comments are closed.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The 5 Best COVID-19 Travel Insurance Options

Travelex Insurance Services »

Allianz Travel Insurance »

World Nomads Travel Insurance »

Generali Global Assistance »

IMG Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best COVID Travel Insurance Options.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance
• World Nomads Travel Insurance

Even though COVID-19 is no longer considered a global emergency, concerns around illness-related costs remain for many travelers. If you're looking for travel insurance that covers COVID – as well as other potential disruptions like flight delays and lost luggage – these are your best options.

• Travelex Insurance Services: Best Optional Coverage Add-ons
• Allianz Travel Insurance: Best for Multitrip and Annual Plans
• World Nomads Travel Insurance: Best for Active Travelers
• Generali Global Assistance: Best for Comprehensive Travel Insurance
• IMG Travel Insurance: Best for Travel Medical Insurance

Plans include coverage for COVID-19

Optional CFAR coverage is available with Travel Select plan

Some coverages require an upgrade, including rental car collision, accidental death and dismemberment, and more

Not all add-ons are available with every plan

SEE FULL REVIEW »

Allianz offers some travel insurance plans that come with an epidemic coverage endorsement

Single-trip, multitrip and annual plans available

COVID-19 benefits don't apply to every plan

Low coverage limits with some plans (e.g., only $10,000 in emergency medical coverage with OneTrip Basic plan)

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Low trip cancellation benefits ($2,500 maximum) with Standard plan

No CFAR option is offered

Free 10-day trial period

Some coverage limits may be insufficient

Rental car damage coverage only included in top-tier Premium plan

Offers travel medical insurance, international travel health insurance and general travel insurance plans

Some plans include robust coverage for testing and quarantine due to COVID-19

Not all plans from IMG offer coverage for COVID-19

Cancel for any reason coverage not available with every plan

Frequently Asked Questions

When comparing COVID-19 travel insurance options, you'll want to make sure you fully understand the coverages included in each plan. For example, you should know the policy inclusions and limits for COVID-related claims, including coverage for testing, treatments, trip cancellation or COVID-related interruptions that can occur. Meanwhile, you should understand how your coverage will work if you contract some other illness while away from home.

Also ensure your travel insurance coverage will kick in for other mishaps that occur, and that limits are sufficient for your needs. If you're planning a trip to a remote area in a country like Costa Rica or Peru , you'll want to have emergency evacuation and transportation coverage with generous limits that can pay for emergency transportation to a hospital if you need treatment.

You can also invest in a travel insurance policy that offers cancel for any reason coverage. This type of travel insurance plan lets you cancel and get a percentage of your prepaid travel expenses back for any reason, even if you just decide you're better off staying home.

It depends on your private health insurance provider and/or travel insurance policy. As of May 11, 2023, private health insurers are no longer required to cover the cost of COVID-19 testing. Out-of-pocket costs for COVID-19 test kits at local drugstores and on Amazon are relatively affordable, however.

As you search for plans that will provide sufficient coverage for your next trip, you'll find travel insurance that covers COVID-19 quarantine both inside and outside the United States. However, you'll typically need to have your condition certified by a physician in order for this coverage to apply. Also make sure your travel insurance plan includes coverage for travel claims related to COVID-19 in the first place.

Many travel insurance plans do cover trip cancellation as a result of COVID-19, although the terms vary widely. You typically need to be certified by a physician in order to prove your condition. Disinclination to travel because of COVID-19 – such as fear of exposure to illness – will generally not be covered. This means you will actually have to test positive for coronavirus for benefits to apply; simply not wanting to travel is not a sufficient reason to make a claim.

If you want more flexibility in your COVID-19 travel insurance, ensuring you have a cancel for any reason policy may be your best bet, but be sure to check with your chosen travel insurance provider to assess your options.

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering travel insurance and travel for more than a decade. She has researched the best travel insurance options for her own trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. Over the years, Johnson has successfully filed several travel insurance claims for trip delays and trip cancellations. Johnson also works alongside her travel agent partner, Greg, who has been licensed to sell travel insurance in 50 states.

You might also be interested in:

5 Best Travel Insurance Plans for Seniors (Medical & More)

Holly Johnson

Discover coverage options for peace of mind while traveling.

Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

8 Cheapest Travel Insurance Companies Worth the Cost

U.S. News rates the cheapest travel insurance options, considering pricing data, expert recommendations and consumer reviews.

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

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.

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• Paid Travel Internship
• TTIFridays (Community Events)
• SG Travel Insider (Telegram Grp)

Ultimate Guide to the Best Travel Insurance for Digital Nomads (2024)

Because anything can happen when you’re on the road.

As someone who has been doing remote work since 2019, getting insurance has never crossed my mind until I almost crashed into a family of four while I was riding a bike in Vietnam. Mind you, the last time I touched a bike before that was nine years ago.

Then there was a time I thought I had lost my passport and when my phone got washed away by a huge wave, etc. In short: there were many times I cut it too close. Because the harsh reality of travel is that these things are inevitable.

So when I learned that certain travel insurance plans cover more than physical injury (lost passport and gadget damage), I knew I had to look deeper into them.

Photo credit: Johnny Africa via Unsplash

If you’re someone who has already decided to take “the leap” and be a digital nomad, then getting the right travel insurance is a must … no matter how overwhelming the process of getting one can be.

Just the peace of mind it’ll give you is worth it 🧘‍♀️

And to make this transition safer and less intimidating for remote workers, we’ve made a guide to help you choose the best travel insurance!

Basic things to consider for travel insurance

It’s essential to consider the following factors when buying travel insurance, regardless of whether you’re a digital nomad or not:

Special considerations for digital nomads

Throwback to when we tried remote working as part of the Airbnb Live Anywhere programme !

Take note that while any kind of travel insurance is good, having a plan specifically tailored for remote working is highly recommended. Here are some things that you won’t normally find in short-term travel insurance plans (which are imperative for digital nomads):

Duration of coverage: You’ll want an insurance plan that will cover you for a long period of time — whether it’s months, a year, or longer. The option to extend your plan at any time will be helpful in the off-chance that you might extend your travel dates.

Location coverage: The fun in remote work is you don’t know which country you might end up in next! Make sure your insurance plan covers countries you’re hoping to visit, including emergency care.

Equipment insurance: One of the worst things that could happen on a digital nomad’s trip is losing an expensive gadget (laptop, smartphone, etc). So we recommend getting a plan with equipment insurance coverage — especially for those with professional equipment like DSLR cameras and lenses.

Adventure activities and sports: Certain international health insurance providers have plans tailored for more “extreme” physical activities, which aren’t usually covered in basic travel insurance plans. This is something adventurous travellers might want to get if you’re thinking of off-piste snowboarding or deep-level scuba-diving on your off day 😉

Read also: Best Adventure Travel Insurance for Thrill-Seekers (2024)

Medical coverage for short-term vs long-term trips

It’s important to note that basic travel insurance normally only covers emergency medical situations, trip cancellations, and baggage loss/delay — more applicable for short-term trips.

However, what remote workers may be looking for is called international health insurance (or global health insurance) — designed specifically for long-term coverage.

It provides comprehensive medical coverage such as in-patient and out-patient visits, check-ups, etc. Basically, an emergency or accident doesn’t have to happen for you to benefit from this type of plan.

But depending on how long you’ll actually be remote working, you might be okay with the usual travel insurance.

Best travel insurance providers for digital nomads

Photo credit: Sam Lion via Pexels

Now that you know what to watch out for, let’s get to our list of top travel insurance for digital nomads. We primarily picked these based on three things: (1) credibility, (2) coverage, and (3) benefits.

Credibility includes how trustworthy the insurance providers are based on the number of customers who have bought the plan and their satisfaction. So we looked at their scores on Trustpilot , a platform where customers can leave reviews for companies.

Coverage refers to specific things or incidents that are protected or paid for by your insurance policy — like emergency medical situations and outpatient coverage, etc.

Benefits refer to the maximum amount of money you can get if something happens.

Take note that costs vary depending on many factors such as where you’re going, where you’re from, age, travel duration, and pre-existing medical conditions. We recommend getting a quote from the provider to know specifically how much your plan will be.

1) World Nomads — all-around insurance for digital nomads

Photo credit: World Nomads

As their name suggests, World Nomads is tailored for… digital nomads. They only offer two plans which makes buying insurance less complicated.

The Standard plan covers all essential things a remote worker would want: overseas medical expenses, personal belongings (including stolen passports and credit cards), pre-trip cancellation and interruption, and more.

Meanwhile, the more expensive Explorer plan has higher benefit limits and more coverage, such as rental car excess, personal accidents, and coronavirus-related costs during your travel.

World Nomads — General Highlights

World Nomads — Specific Highlights

Get a quote for full policy writings of both plans. It only takes seconds!

World Nomads plans cover travel delays.

Other highlights ( see full coverage ):

– Out-of-pocket hospital expenses – Emergency dental treatment – Travel delay – Money theft (Explorer only) – Local funeral expenses

2) SafetyWing — budget-friendly insurance for digital nomads

A more affordable travel insurance for digital nomads is SafetyWing . For example, their Standard Plan for me (a 26-year old) is US$133/month, compared to US$161/month for World Nomads (note that this can vary depending on certain factors).

Add-ons also include more extensive coverage for adventure sports, electronics theft, and US coverage.

They have two plans you may want to check out: Nomad Insurance (travel insurance) vs. Nomad Health (full international health insurance).

SafetyWing — General Highlights

SafetyWing Nomad Insurance Plan Highlights ( see full coverage ):

*Max limit refers to the maximum amount of money that you can get reimbursed for (US$250K per insurance period).

Get a quote using this price calculator:

SafetyWing Nomad Health Plan Highlights (see full coverage for Standard and Premium ):

SafetyWing’s Nomad plans cover Covid-19 treatment and quarantine.

Other highlights:

– Diagnostics – Physical therapy – Emergency dental treatment – Out-of-pocket hospital expenses – Covid-19 treatment and quarantine

3) Genki — health insurance with unlimited payouts

Genki has only been in the game since 2018, but is already one of the most-suggested health insurance for digital nomads within the community. Their plans are notable for providing unlimited payouts with worldwide coverage for approved claims.

They have three plans: the Explorer plan is their travel health insurance, suitable for trips up to two years.

The Resident plan is their international health insurance (incl. pre-existing conditions, dental, and mental health treatments), while the Resident Premium plan is the same but with more coverage.

Genki — General Highlights

Genki Explorer Plan Highlights ( see full coverage ):

Genki Resident and Resident Premium Plans Highlights ( see full coverage )

Genki’s Resident plans include massage treatments.

– Eye treatments – Massages – Chiropractic treatments – Traditional Chinese medicine – Physiotherapy

Learn more about Genki here .

4) FWD Singapore — international health insurance for expats and Singaporeans

FWD Singapore offers international health plans tailored for expats, Singaporeans, and overseas students.

Their most basic plan covers hospitalisation, but you can upgrade your plan to include other benefits. These include outpatient, dental, vision, and maternity benefits.

FWD Singapore — General Highlights

FWD Singapore — Specific Highlights

*Benefit amount depends on your plan.

Photo credit: Nadezhda Moryak via Pexels. FWD Singapore’s higher-tier international health insurance plans cover dental treatments.

Other highlights for more premium plans ( see full coverage ):

– Consultations, medications, diagnostic tests – Routine health checks and vaccinations – Dental work – Physiotherapy – Frames, lenses, and eye checks every 2 years

5) MSIG TravelEasy — comprehensive medical coverage

MSIG’s TravelEasy has over 50 benefits, including Covid-19 coverage for single trips and annual plans. FYI, they have a separate plan which covers pre-existing medical conditions for single trips (TravelEasy Pre-Ex) too.

*Note: TravelEasy is a travel insurance plan and not a full health insurance.

MSIG TravelEasy — General Highlights

MSIG TravelEasy highlights (benefits listed are for adults below 70 years old):

Learn more about the MSIG TravelEasy travel insurance.

Photo credit: Kaique Rocha via Pexels. The MSIG TravelEasy plan covers missed travel connections.

– Emergency dental expenses – Medical expenses in Singapore within 72 hours of return – Overbooked flight and missed travel connection – Emergency phone charges – Compassionate and hospital visit

Steps for choosing the best travel insurance for digital nomads

Step 1: List down your priorities. Example: A super adventurous traveller will probably need a more comprehensive plan than someone who just likes sightseeing. We’re all different from one another, so make sure your plan works for you !

Step 2: Find a resource to trim down your options. Chances are you don’t know every insurance provider and plan in the market, so it’s best to seek help from someone who’s done their research, like a digital nomad group or an online article. But you’re already here, which means you’ve done this step. Hooray! 🥳

Step 3: Compare travel insurance plans. Now that you have a list of insurance providers and/or plans, check the items they cover regarding your priorities, as well as the considerations we listed in this guide. Make sure you’re qualified to avail of it as well!

Photo credit: Jason Goodman via Unsplash

Step 4: Read properly and clarify. Chances are these providers won’t tell you everything on their website, so read the full policy of your plan thoroughly. If in doubt, contact their support team for answers. This will probably save you a lot of trouble later.

Step 5: Read customer reviews. Trustpilot is a great website to check customers’ experiences. You’ll learn a lot about an insurance provider from here. Alternatively, I like checking Reddit for more authentic reviews as well. Look out for how easy and smooth a travel insurance provider’s claims process seems to be!

Step 6: Get a quote. Once you’ve made a decision, get a quote on the insurance provider’s website. They’ll connect you to an agent to jumpstart the process and answer your questions.

Read also: 9 Must-Have Remote Working Travel Essentials That Make Life Easier While on The Road

Any questions about buying travel insurance for digital nomads? Let us know in the comments below!

Like what you see? Follow us on  Facebook ,  Instagram ,  YouTube , and  Telegram  for more travel tips!

View this post on Instagram A post shared by The Travel Intern (@thetravelintern)

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The Best Travel Insurance Options for Digital Nomads (2024)

Travel insurance for digital nomads can provide trip and medical protection while working abroad.

from Seven Corners via TravelInsurance.com

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Based on our research and comprehensive travel insurance rating methodology, we at the MarketWatch Guides team found that World Nomads, Travelex, Seven Corners, IMG and AIG Travel Guard offer the best travel insurance options for digital nomads.

Remote work can afford some people the opportunity to travel while working abroad. In this article, we’ll closely examine our picks for the best travel insurance plans for digital nomads or remote employees who travel and work in various locations.

The Best Travel Insurance Plans for Nomads

After conducting extensive research on travel insurance policies for digital nomads, we’ve chosen the following plans as our top picks.

• World Nomads: Explorer Plan
• Travelex : Our pick for families
• Seven Corners : Backpacker
• International Medical Group (IMG) : Patriot International Platinum
• AIG Travel Guard : Annual Plan

World Nomads

Why We Picked World Nomads

Based on our review, World Nomads travel insurance may be worth considering if you’re an adventurous digital nomad. The provider covers over 150 adventure activities and sports through its Explorer Plan, such as skydiving, paragliding, bungee jumping and more. This type of coverage is rarely included as standard through travel insurance policies.

Policies through World Nomads last up to 180 days and will require purchasing an extension every six months if you plan to travel beyond that timeframe. However, you can buy your insurance post-departure, meaning if you’re already a digital nomad abroad, you can decide on coverage anytime. The Explorer Plan offers $100,000 in emergency medical coverage and $500,000 for emergency evacuations. It also provides $3,000 in coverage for the loss, theft or damage of your bags, tech or sports gear.

Pros and Cons

Coverage and costs.

The World Nomads Explorer Plan offers the following coverages:

• Medical emergency
• Emergency evacuation and repatriation of remains
• Trip interruption and cancellation
• Baggage and personal effects
• Trip and baggage delay
• Rental car damage
• Accidental death and dismemberment
• 24-hour emergency assistance services

Exclusions include but are not limited to:

• Medical bills related to a pre-existing condition
• Non-emergency medical treatments
• Items with no record of purchase
• Accidents that occur while intoxicated

To better understand the cost of a World Nomads policy, we gathered quotes for a 30-year-old digital nomad traveling to multiple countries, including Germany, Italy and Spain, over 180 days. Based on our quote, the traveler could pay $548 for the Standard Plan and $788 for the Explorer Plan .

Both the Standard and Explorer plans are more expensive than other providers we quoted using the same traveler profile. However, some may find the cost worth it due to the extensive sports and activity coverage.

Why We Picked Travelex

Travelex offers long-term insurance coverage suitable for digital nomads with its Travel Select plan. This policy lasts up to a year and offers various add-ons such as additional medical expense coverage, an adventure sports rider, car rental collision coverage, CFAR coverage and more.

The Travel Select plan also provides coverage to all children under 17 traveling with you, a potential benefit for digital nomads with kids. Travelex provides $50,000 in emergency medical expense coverage and $500,000 in emergency medical evacuation and repatriation coverage, but you can increase limits for an additional cost. You can also qualify for a pre-existing medical condition waiver if you purchase this plan within 15 days of your initial trip payment.

Travelex’s Travel Select plan offers the following coverages and more:

• Trip cancellation and interruption
• Baggage and travel delay
• Emergency medical
• Emergency medical evacuation
• Sporting equipment delay
• 24/7 travel assistance

Exclusions with this plan include but are not limited to:

• War or acts of war
• Adventure sports (unless a waiver is purchased)
• Intentionally self-inflicted injuries
• Normal pregnancy and childbirth

Our research team gathered a quote from Travelex for a 30-year-old digital nomad spending a year in Spain. The company also asked how much the traveler spent on non-refundable expenses, which we estimated around $10,000. Based on this quote, we found our sample traveler could pay around $441 for a Travel Select Plan.

The Travel Select plan is Travelex’s only plan available to nomads looking to spend up to a year abroad. While coverage costs less than Seven Corners and World Nomads, Travelex provides a lower base medical coverage limit of $50,000.

Seven Corners Travel Insurance

Why We Picked Seven Corners

Seven Corners offers a Backpacker plan that can cover digital nomads traveling through multiple countries for up to a year. This plan focuses more on medical coverage while abroad, offering coverage for emergency medical events and physician visits. The Backpacker plan allows you to choose a variety of deductibles that can lower your total plan costs. In addition, it offers $25,000 in coverage for the acute onset of pre-existing conditions.

If you plan on participating in adventure activities during your travels, Seven Corners offers an optional rider that covers scuba diving, zip lining, sky diving and more. Note that if you’re traveling to an area where motorcycles, scooters or other similar transportation methods are considered standard and for hire, you must purchase this optional coverage.

Seven Corners offers the following coverage and more with its Backpacker plan:

• COVID-19 coverage
• Medical coverage
• Evacuation coverage due to a medical, political or natural disaster
• Burial or cremation
• Trip interruption

Exclusions from coverage include but are not limited to:

• Medical tourism
• Quarantine expenses
• Medical bills resulting from self-harm
• Terrorist activity and war

To better understand the cost of a travel insurance policy from Seven Corners, we gathered a quote for a 30-year-old digital nomad traveling to multiple countries over a year. Based on this quote, our sample traveler could pay $573 for a Backpacker plan.

International Medical Group

Why We Picked IMG

International Medical Group (IMG) offers travel medical and international health insurance plans. Long-term digital nomads looking for annually renewable medical coverage may benefit from IMG’s Patriot International Platinum plan. With protection extending up to $8 million in coverage, this plan provides renewable travel medical benefits for up to 36 months.

Optional coverage under the Patriot International Platinum policy includes enhanced accidental death and dismemberment (AD&D), device protection and adventure sports riders. IMG also offers acute onset of pre-existing condition coverage, but maximum coverage limits vary by age.

IMG’s Patriot International Platinum plan covers the following and more:

• Emergency dental
• Political and natural disaster evacuation
• Return travel benefits
• Lost luggage
• Small pet common air carrier accidental death

Exclusions from this plan include but are not limited to:

• War or military action
• Pre-existing conditions
• Maternity and newborn care
• Mental or nervous disorders
• Preventative care

To find out how much IMG’s Patriot International Platinum plan could cost, we obtained a quote for a 30-year-old digital nomad living abroad in Spain for a year. Based on this quote, our team found that this traveler could pay $684 for this plan.

When comparing quotes across providers, we found that IMG is more expensive than Seven Corners and Travelex but provides higher policy maximums for medical expenses. However, if you choose a higher deductible than we did, your costs may end up being less.

AIG Travel Guard

Why We Picked AIG

AIG Travel Guard offers its Annual Plan to cover year-round travel to multiple destinations, which could benefit a digital nomad. This policy provides both medical coverage and travel benefits such as trip interruption , trip delay and missed connection coverage. You can purchase this policy up to 24 hours before departing for your trip, making it worth consideration for nomads looking for last-minute coverage.

The Annual Plan covers $50,000 in travel medical expenses, $500,000 in emergency evacuation and up to $2,500 in baggage coverage . AIG offers up to 100% in trip interruption coverage, but note there is a maximum of $2,500 for this benefit. With rates of around $260 based on our quote process, a digital nomad looking for coverage on a budget may find AIG’s plan worth purchasing.

AIG Travel Guard’s Annual Plan provides the following coverage:

• Trip interruption and delay
• Travel medical
• Non-flight AD&D
• Baggage coverage and delay
• Missed connection
• Security evacuation

General exclusions from an Annual Plan include:

• War and acts of war
• Participation in a riot
• Intoxication above the legal limit at time of loss

AIG Travel Guard only asked for our state of residence, plan start date and number of travelers when gathering a quote for the Annual Plan. After providing this information, we found that this plan could cost our sample traveler $259.

Travel Insurance vs. Health Insurance for Digital Nomads

Digital nomads may have different insurance needs based on their travel styles. A comprehensive annual travel insurance policy may work for some, while a travel medical policy would better suit others. Your ideal plan depends on your circumstances and what you want to protect while traveling.

Annual travel insurance covers multiple trips within a year and can provide travel and medical benefits. An annual, multi-trip policy may work for digital nomads who travel to multiple countries for short periods while returning to a home base between trips. 

Travel medical policies could benefit digital nomads residing overseas long-term under a digital nomad-specific visa. Iceland , Croatia , Costa Rica , Spain and more offer visas that allow digital nomads to reside within the country for a specified amount of time. However, these countries may ask you to provide proof of medical insurance that covers you while abroad. Note that U.S.-based health insurance does not always extend abroad. Because travel medical insurance can act as a primary healthcare plan during your travels, it may satisfy the health insurance requirements of various countries welcoming digital nomads. 

Compare Digital Nomad Travel Insurance Plans

See the table below for a direct comparison between providers and our recommended plans. The best way to determine how much these plans may cost you is to obtain a free quote from each company.

How Much Is Travel Insurance for Digital Nomads?

Based on the quotes gathered by our research team, we found the average cost of a travel insurance plan for a digital nomad is $549 . We based our data on quotes gathered for a 30-year-old digital nomad traveling to multiple countries or staying in Spain for a year, depending on the plan.

Travel insurance for digital nomads may cost more than a travel insurance plan for a single vacation or short-term trip, according to our research. After gathering quotes from 20 providers using seven different sample traveler profiles, we found the average cost of a single-trip travel insurance policy is $221 . This makes a travel insurance plan for digital nomads more than double the cost of a standard policy for single trips. Note that the exact cost of your plan will depend on factors such as your age, travel duration, destination and more. We recommend obtaining a quote from each company in this review to determine how much coverage could cost you.

How Should Digital Nomads Choose a Travel Insurance Plan?

Choosing a travel insurance policy does not need to feel complicated. However, there are several things to consider as a digital nomad when selecting a travel insurance plan. 

Compare Coverage and Costs

We do not recommend settling on the first plan you come across. Comparing coverage and costs across multiple providers can help you better gauge what fits your budget best. When researching, we also encourage you to consider a travel insurance company’s industry reputation and customer reviews. Look at reviews from sites such as the Better Business Bureau (BBB) and Trustpilot to understand how a company handles its claims process and treats policyholders.

Consider Your Travel Style

There are many different types of digital nomads. Some may travel for extended periods across multiple countries. Others may stay in one place for up to a year or take short trips while returning to a home base for a set period. How you travel will affect what kind of travel insurance policy is best to purchase, so being realistic and honest about your travel style can help you choose the right plan.

Address Your Unique Needs

Every digital nomad is different. Some may be more concerned with trip protection, while others deem medical and evacuation coverage most important. Take the time to think about what is most important for your needs. For example, if you’re a digital nomad dealing with a medical issue deemed a pre-existing condition, consider a travel insurance plan that provides a pre-existing medical condition waiver.

Does a Digital Nomad Need Travel Insurance?

Deciding if you need travel insurance coverage is a decision only you can make. However, our research has found there are benefits to investing in travel insurance as a digital nomad. If you plan on taking multiple trips within a year or working abroad for short periods, an annual travel insurance plan can offer financial protection if you need to cancel a trip or experience an interruption. A plan with emergency medical coverage can help cover medical bills related to accidents or unforeseen health issues.

Think about whether you’re willing to pay out-of-pocket for healthcare during your travels as a digital nomad. Also, consider if recouping any non-refundable travel expenses in the event of a cancellation or interruption is important to you. Asking these questions can help you decide whether you need a travel insurance policy.

Is Travel Insurance Worth It For Digital Nomads?

Travel insurance can be worth it for digital nomads spending any amount of time abroad. If you travel to multiple countries as a nomad, a travel insurance plan with trip protection can offer financial coverage if you lose your baggage, experience a delay or miss a flight connection. Plans with medical expense coverage can help offset potentially costly medical bills if you end up injured or sick while abroad. 

While purchasing a travel insurance plan is a personal decision, we encourage you to gather free quotes from multiple providers when deciding on a policy. This way, you can find coverage that fits your unique needs as a digital nomad.

Frequently Asked Questions About Travel Insurance for Nomads

Do digital nomads have specific insurance needs.

The insurance needs of a digital nomad vary from person to person. If you take multiple trips abroad annually and want to protect non-refundable travel expenses, consider a plan with generous trip protection limits. Whereas a plan with high emergency medical coverage may be ideal if you’re more concerned about your health or accidents abroad.

How much does digital nomad health insurance cost?

The cost of a digital nomad health insurance policy will depend on factors such as age, travel destinations, time spent abroad, coverage amounts and more. We encourage you to gather free quotes from multiple providers to learn how much a policy will cost you.

What is not covered by travel insurance?

Common exclusions found on travel insurance policies include reasonably foreseeable events such as named storms, pre-existing conditions, pregnancy and childbirth, acts of war, extreme sports or activities, and more. You can consult your travel insurance policy to learn more about specific exclusions and limitations.

Does travel insurance cover nomads in their home country?

Some travel insurance policies may cover digital nomads within their home country. However, coverage varies by both provider and plan. Note that travel insurance is not a substitute for a domestic health care plan — it instead offers emergency coverage while you are traveling. Carefully read through a provider’s coverage terms and conditions to learn if it will cover you in your home country and abroad.

Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

World Nomads Travel Insurance

Our verdict: world nomads travel insurance is a good option for younger travellers who are planning an adventurous trip. however, there’s no option to cover pre-existing medical conditions which will leave some travellers at risk..

In this guide

Summary of World Nomads International Explorer policy

How does world nomads travel insurance cover covid-19, what policies does world nomads offer, here's a breakdown of world nomads travel insurance features, standard features, optional add-ons, how to make a world nomadstravel insurance claim, here's the bottom line about world nomads travel insurance, frequently asked questions, request travel insurance quotes and compare policies.

Destinations

• A wide range of obscure and high-risk adventure activities can be covered, including elephant trekking, dog sledding, and WWOOFing.
• You can extend your cover while overseas, if you decide you’d like to keep travelling a while longer.
• Cover is only available to people aged 69 and under, making World Nomads unsuitable for older travellers.
• There’s no option to add cover for pre-existing medical conditions, so if you’re living with a medical condition you might want to look elsewhere.

Compare other options

Table updated October 2023

World Nomads’ Explorer plan offers a range of benefits related to COVID-19. Here’s what you can expect:

• Overseas hospital and medical expenses if you need treatment for COVID0-19
• Medical evacuation and repatriation costs related to COVID-19
• Travel costs if you or a member of your travelling party are diagnosed with COVID-19 and you have to cancel your trip
• Travel costs if your close relative or business partner in Australia is hospitalised or dies due to COVID-19 and you have to cancel your trip
• Travel costs you or a member of your travelling party are permanently employed as a healthcare worker, residential care worker or law enforcement officer, and your or their pre-arranged leave is cancelled due to COVID-19
• Costs to cover travel and accommodation if you’re unable to stay at your pre-booked accommodation due to it being closed for cleaning following a confirmed case of COVID-19
• Costs for additional travel, meals and accommodation if you are denied boarding on your scheduled public transport due to you being suspected of having COVID-19
• Travel, meals and accommodation costs if you or a member of your travelling party are confined to compulsory quarantine as a result of being diagnosed with COVID-19
• Childcare costs if you’re unable to take care of your dependent children due to being diagnosed with COVID-19
• Pet care costs in Australia if you’re unable to return home at your scheduled time due to COVID-19

There are some scenarios that are not covered by World Nomads including if you knowingly and intentionally come into close contact with someone who has COVID-19, if you travel against medical advice, or you travel knowing you already have COVID-19.

World Nomads offers two insurance policies to travellers - the Explorer Plan and the Standard Plan.

The insurer of this product is Pacific International Insurance Pty Ltd. It comes with a cooling-off period of 21 days and choice of $100 standard excess for international plans.

These are some of the main insured events that World Nomads will cover. Some of these benefits may only apply on the Explorer Plan.

• Emergency medical treatment
• Emergency dental treatment
• Lost, damaged or stolen property
• Trip cancellation or amendment
• Additional accommodation and transport
• Theft of money
• Luggage and travel delay
• Theft or damage to your passport
• Rental vehicle excess
• Personal liability
• Permanent total disability
• Accidental death

World Nomads also offers two add-ons that provide cover for a wider range of activities.

• Adventure, Work, Study, & Volunteer - Level 2. Upgrade your policy to cover higher risk adventure sports and activities, non-manual and manual work, study and volunteer experiences.
• Adventure, Work, Study, & Volunteer - Level 3. A further upgrade to cover the highest-risk activities, working environments, and study and volunteer experiences.

Unfortunately, travel insurance doesn’t cover everything. Generally, World Nomads will not pay your claim if it relates to:

• Unlawful, wreckless or unreasonably unsafe behaviour by you
• Behaviour while you were drunk or under the influence of drugs
• Expenses related to a pre-existing medical condition not automatically included on the policy
• An act of war, invasion or revolution
• Insolvency of a travel agent , tour operator or accommodation provider
• You being unfit to travel or travelling against medical advice
• Childbirth or pregnancy complications after the 26th week of gestation or if you have had previous pregnancy complications
• An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
• Self-inflicted injury or illness, suicide or attempted suicide

This is not an exhaustive list. Make sure you review the World Nomads PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

You can start your World Nomads claim online, from anywhere in the world.

Sign into World Nomads and submit your claim online. You’ll need to provide any supporting evidence relevant to your claim, such as medical reports, receipts, police reports, incident reports, repair quotes, and travel itineraries.

World Nomads is a great option for younger travellers heading on an adventurous trip. There’s protection for a range of high-risk activities that are often hard to find cover for.

You may need to upgrade your policy with one of the add-on options, but it’s easy to understand and all activities are clearly listed.

There’s also a broad range of protection for claims related to COVID-19 and cover for pregnancy is included up until the end of the 26th week.

However, World Nomads isn’t a good option for older travellers or anyone with a pre-existing medical condition. Other than the conditions included as standard, it’s not possible to apply for further cover, which will leave some travellers at risk.

Policies are also only available to under 70s, while many travel insurance brands don’t apply age limits to their policies.

If you're still not sure about World Nomads you can compare other travel insurance companies here .

Is there an age limit on World Nomads Travel Insurance?

Yes, you have to be under the age of 70 to buy a World Nomads policy. If you’re over 70, don’t worry - there are plenty of alternative options.

Am I covered if I’m pregnant?

World Nomads offers cover for pregnancy up until the 26th week. .

Can I buy World Nomads Travel Insurance for a trip within Australia?

No, World Nomads only offers international travel insurance.

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Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full profile

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8 Responses

so how do i apply for WorldNomads insurance?? This website isn’t clear

Thanks for question. World Nomads in not one of the insurance brands that is part of our panel. You will need to go to their site directly to apply for cover.

All the best, Richard

A family member has been suffering from cancer, when I booked my insurance the cancer was isolated and stable, now however it has spread and become terminal, and a emergency funeral visit may be on the cards in the near future.

Will the travel costs of a return trip hope be covered under my basic policy?

Thanks for your question and I’m sorry to hear about your situation. finder.com.au is a comparison service and not an insurer. Generally, your policy will not cover you if the cancellation is due to a preexisting condition. However, every provider is different, so it would be a good idea to contact your insurer directly.

I hope this was helpful, Richard

I am interested in getting world nomads travel insurance for a year long trip. I was wondering if it’s possible to purchase basic cover and then upgrade the adventure activity cover for just a short period. The reason I ask, is that most activities I will participate in are covered at level one, but it’s possible that I will participate in a level three activity at some point during the year for a week or so. I don’t really want to pay for level three cover for the whole year if I only need it for one week of that. So would it be possible to buy the additional adventure activity cover for just the period that I need it?

Thanks, Sarah

Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide personalised advice. Additionally, we do not currently have access to Nomad Travel Insurance products. You may wish to contact them directly for clarification in this matter.

Thanks, Richard

What cover can I get as I am 65 yrs old

Thanks for your question.

Nomad Travel Insurance doesn’t offer insurance to people aged 65 or over.

If you’d like, you can compare alternative travel insurance options for over 65s.

Cheers, Shirley

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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.

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• 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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World Nomads Travel Insurance Review: Is it Worth The Cost?

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.

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.

Kevin Berry works as the content lead for multimedia production at NerdWallet including YouTube, podcasts and social media videos across all financial topics. Previously, he was the Lead Editor for the Travel Rewards team. Prior to NerdWallet, Kevin managed the content and social media teams at NBC Sports in Portland for eight years. His prior experience also includes time as a financial analyst (Comcast) and business system analyst (Nike).

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Table of Contents

What does World Nomads travel insurance cover?

World nomads single trip plans, which world nomads insurance plan is best for me, can you buy world nomads travel insurance online, what isn’t covered, is world nomads insurance worth it.

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

World Nomads offers the Standard and Explorer travel insurance plans and excels in sports/activity related travel insurance coverage while offering solid trip delay, baggage delay and lost luggage protections.

The provider offers insurance plans for travel to nearly any country and is available to residents of most countries. In the U.S., World Nomads policies are administered by Nationwide Mutual Insurance Company, a Fortune 100 company offering various types of insurance and financial products.

Here’s what you need to know about World Nomads travel insurance to help you decide which plan makes sense for your trip.

Before you buy a plan, check to see if you already have coverage through a premium travel credit card , and if so, verify whether those limits are sufficient. If they are, standalone emergency medical coverage may be adequate as the travel insurance provided by credit card often excludes healthcare expenses or offers a low limit (the Chase Sapphire Reserve® is one of the few cards to offer emergency medical and dental, however coverage is capped at $2,500 ).

Chase Sapphire Reserve®

World Nomads offers different coverage levels for its travel insurance options, but both qualify as single trip plans.

Single trip plans are designed for individuals who are leaving their home, visiting another destination (or destinations) and returning home. These travel insurance plans are the most comprehensive and provide benefits like trip cancellation, trip interruption and medical coverage. 

World Nomads is unique amongst other providers as it is a good fit for adventurous travelers. Its plans automatically include coverage for over 200+ activities, including skiing , rafting, backpacking and bouldering. Note that extreme sports are not covered.

All plans include trip protection, emergency medical insurance , emergency evacuation and coverage to protect your gear.

World Nomads offers two plans, with the latter offering higher limits and additional adventure sports coverage.

The plans can be purchased for trip duration up to a maximum 180 days, and you can extend your coverage mid-trip. The price of the policy will depend on the duration of the trip and the countries that you're visiting.

To see the cost of the insurance plan, you will need to input your trip details, your age and state of residence. Unlike many other insurers, you do not need to include the cost of your trip when searching for a World Nomads policy because trip cancellation and interruption benefits are capped at a specific dollar amount rather than a percentage of money spent.

We input a sample trip of a two-week vacation in December 2023 to Italy by a 30-year-old from Illinois.

World Nomads single trip plan cost

Here are some example World Nomads insurance costs based on our example trip.

Standard Plan

The Standard Plan ($86) is a good choice for those who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain adventure sports.

However, this plan still shines in sports coverage, covering activities like wind surfing and bungee jumping, which are seldom covered by travel insurance companies. A full list of covered sports by plan type is available on the World Nomads site.

Explorer Plan

The Explorer Plan ($155) includes all the benefits of the Standard Plan along with higher limits, rental car damage insurance (in the states where it is available) and adventure sports (e.g., skydiving, heli skiing) coverage.

This choice is also good for those whose trips costs less than $10,000 as this is the maximum trip cancellation and interruption protection.

A Cancel For Any Reason (CFAR) upgrade is not offered by World Nomads. If this option is a must, look for a travel insurance company that offers CFAR.

Selecting the appropriate plan for your travels involves understanding which coverage you’d like on the trip.

If you have a premium travel card : If you have a premium travel card that offers an adequate amount of trip cancellation / interruption benefits, you may only need to get a standalone emergency health care policy. For example, The Business Platinum Card® from American Express offers $10,000 per trip and $20,000 per year in trip cancellation benefits . Terms apply. Only the Explorer Plan ($10,000) has a comparable level of trip cancellation protection. Terms apply.

If the coverage provided by your card isn’t adequate or applicable: If you don’t have a premium travel credit card , the coverage provided by your card isn’t sufficient or you didn’t use the card to pay for your trip, then a comprehensive insurance plan like the Standard or Explorer plan might be the best choice.

More chill travelers: If you don’t need adventure sports coverage and your trip costs less than $2,500 (or you already have trip cancellation / interruption benefits from your credit card), the Standard Plan would be sufficient.

» Learn More: How to find the best travel insurance

Go to worldnomads.com and input your trip details.

If your country of residence is the U.S., an additional row will appear asking you to input your state.

» Learn more: Is travel insurance worth it?

Trip insurance plans are filled with exclusions, so you’ll want to pay attention to what is and isn’t covered so there aren’t any surprises. Here are some exclusions you can expect from World Nomads:

Pre-existing conditions: If you’ve sought treatment for any illness or condition in the 90-day period preceding the start of the policy and then seek medical care for the same illness/condition, you may be on the hook for the bill since World Nomads does not cover pre-existing conditions.

Intentional acts: Losses sustained from self-harm, intoxication, drug use or criminal activity are not covered.

Travelers with pre-existing conditions might consider policies from providers like Travel Guard by AIG or Allianz .

» Learn more: The best travel insurance companies right now (World Nomads is on the list!)

World Nomads has been offering insurance since 2002. The company is well established and offers two single trip travel insurance policies to fit many different needs.

Both plans offered by World Nomads include trip cancellation, interruption and delays; emergency accident and sickness medical expenses; emergency evacuation; repatriation of remains; non-medical emergency transportation; baggage and personal effects; baggage delay for outward journeys; rental car damage in certain locations; accidental death and dismemberment; Generali Global Assistance; and adventure sports and activities.

World Nomads does not include Cancel For Any Reason coverage, even as an add on.

You will need to file a claim with the insurer after you’ve incurred costs related to a covered expense. If the claim is approved, you will receive a reimbursement. In some instances, such as baggage delay, World Nomads pays you a fixed amount per day rather than 100% coverage for costs incurred.

World Nomads offers some good travel insurance plans for adventurous, single-trip travelers. This is also a good fit for anyone who is uncertain about their trip length (since you can add coverage during your vacation).

Insurance can be extended mid-trip.

You can insure trips up to 180 days in length — which makes it an attractive option for digital nomads .

Adventure sports coverage is more robust than many other plans.

Simple choice of two plans.

Extreme sports are not covered.

There is no annual plan option. A policy ends once you return within 100 miles of home, even if you’re only home briefly as part of a long trip.

Regardless of your trip cost, trip cancellation and interruption coverage is capped at a dollar amount rather than as a percentage of trip cost. The Standard Plan and Explorer Plan cover trips up to $2,500 and $10,000, respectively. If you’re going on a more expensive trip, you won’t be able to protect the entire trip.

You must be 70 years old or younger to qualify for coverage.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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

A previous version of this article misstated World Nomads' insurance offerings. This article has been corrected.

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Home » Budget Travel » World Nomads Travel Insurance – EPIC Review (2024)

World Nomads Travel Insurance – EPIC Review (2024)

Let’s be honest, travel insurance is not sexy and travel insurance is not fun. Actually, as a budget backpacker it is a colossal pain in the arse having to pay out for some policy which I am statistically unlikely to ever need.

BUT, after a decade of travelling and after some bitter realisations along the way, we can tell that travel insurance is a VERY important matter.

In this post, we will examine who may need it and what it can cover. And we will focus on World Nomads – a trusted, travel insure who we have known for years – and break down why we consider their cover to be amongst our personal favourite products.

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Does World Nomads Travel Insurance Cover COVID?

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Let’s get this out of the way first shall we eh?

When COVID-19 first rocked the world in 2020, most travel insurance companies were quick to invoke their cancellation clauses and pull all medical coverage relating to either illness, cancellation or disruption caused by the pesky pandemic. Not ideal if you end up on a ventilator on the other side of the world and need emergency medical care!

These days, most insurance providers are offering some form of COVID coverage included within their policies, but some are more useful than others. Whilst many now cover hospitalisation caused by COVID infections, fewer are offering any kind of cover for disruption or cancellation such as being refused boarding on a flight for displaying symptoms or trip cancellation protection because of a positive test.

Whilst the pandemic has largely subsided, COVID is still able to severely disrupt travel plans. Therefore do consider paying close attention to the finer details of any insurers COVID-19 cover, especially their trip cancellation coverage and emergency medical evacuation .

The details of the World Nomads insurance plan COVID-19 cover vary quite a bit depending on your country of residence. You can check the situation regarding your country of residence by checking the World Nomads site here . Make sure you understand the limits of your World Nomads insurance plan before booking a trip!

There is no such thing as the “best” travel insurance. After all, each policy is a little bit different and it is all a matter of your personal needs. Some travellers just want cheap cover whereas others are willing to pay more for stronger protection and higher coverage limits.

But for me, World Nomads travel insurance is without a doubt my favourite travel insurance provider on the market and I now use them for almost every trip I ever take. In fact, the only exceptions are countries the World Nomads policy does not yet cover.

Here in a few paragraphs is why I love (*as much as someone can love an insurance company that is ) World Nomads so much;

• Firstly, World Nomads is travel insurance designed by travellers for travellers. Now, most travel insurance companies only really deal with “2 week 1 destination” type vacations and simply do not grasp the realities of long term, multi country backpacking travel. whilst some travel insurers do offer token “backpacker” or “annual” trip packages, even a casual glance over the terms makes it clear that the cover package is simply not really suitable for backpacking in the real world. Your World Nomads policy has adventurous travellers covered!
• Next up, a World Nomads policy can offer cover 100+ countries and the cover is easily customised based on where you plan to go backpacking. They can also offer the right level of cover for the majority of typical backpacker problems (such as dengue fever and bike crashes!).

If you love travelling or even just the idea of travelling in the future then there has certainly been a moment at some point along the way where you asked yourself, “Should I buy travel insurance? or “ Do I need travel insurance? “.

Well, as far as the hierarchy of needs goes I think it’s pretty clear that travel insurance is less essential than oxygen and water but in terms of things you need in order to travel, we personally place it just behind passports and visas. Although, some countries won’t actually let you in without proof of travel insurance making it equally as important as passports in some cases.

The blunt reality is you never need insurance until you do. Whilst statistically, you are unlikely to need it, the fact is that things can and do wrong. If you get sick, injured or robbed whilst travelling uninsured, you could end up in seriously deep shit. Even the most seasoned and adventurous travellers need to be covered for all eventualities!

Whilst the bold and boastful amongst us like to pretend otherwise, the truth is that travelling is far more dangerous than not travelling and always comes with inherent risks attached. Whether you are trekking in the Nepalese mountains or wandering the streets of Amsterdam, the worst can happen and you need to know things like medical expenses, all your gear and emergency evacuation are covered!

Here are real things that have happened to me on the road…

• My backpack got stolen with all of my worldly possessions inside.
• I needed stitches in my head after crashing a motorbike in Thailand.
• Strikes in Bucharest meant I was stuck in traffic for hours and missed my flight.
• I spent two weeks in hospital in Costa Rica after nearly dying in the jungle.
• I needed to go on an IV in Pakistan after being sick for days.
• I caught Dengue fever in Thailand and spent a week in a clinic, there was no hospital nearby and the bastards took my passport as collateral.

That’s quite the little comedy of incidents there isn’t it?! However, so as not to scare you out of travelling altogether I must point out that this all happened over nearly a decade of (near-constant) travelling the world. Most of the time, when you travel, nothing goes wrong and the laws of average are very much on your side. However the more you travel the more you wear down that good luck…

In the life of an adventurer, these things do happen. Therefore it can pay to be properly prepared and the easiest way to be properly prepared is to simply buy good international cover , and a World Nomads insurance plan at that!

What Can Travel Insurance Cover?

To help you work out for yourself whether you want to buy travel insurance for your next trip, it’s probably a good idea to start out by telling you what it can help with right?

Generally speaking, travel insurance can offer cover and protection for the following:

• Medical Costs —Hospital visits, emergencies, evacuations, medical insurance.
• Property Loss —Luggage and their contents.
• Travel Issues —Unexpected, additional expenses or cancelled trips.

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World Nomads keeps things pretty simple. There are two plans to choose from: the Standard Plan and The Explorer Plan . Depending on your country of residence, age, and travel destination(s), the prices will vary accordingly.

Do you already have a trip in mind? Well, why not get started and obtain a quote using the button below to see how much insurance with World Nomads will cost you.

Emergency Accident & Sickness Medical Expenses

Got horrible food poisoning in India? Break a finger whilst volunteering in Guatemala? Sprain an ankle whilst trekking in Switzerland? These things happen, and the last thing you want to do is pay out of your own pocket.

Emergency accident and sickness coverage is quite possibly the single most important aspect of any travel insurance plan. If you fall ill, get hurt, or otherwise need medical attention, then cover from World Nomads may be able to cover costs.

Although in many parts of the world you can find cheap and competent dentists who have surprisingly low costs. My good friend had an issue with a rotten tooth while travelling around Nepal. He had to have emergency surgery, which basically meant he got his tooth pulled out of his mouth by a dentist. The large majority of his surgery was covered by insurance.

It is very important to remember that before paying out on any injury claim, most insurance companies will ask exactly what you were doing at the time of injury, and may decline cover if the exact activity was not listed in the policy. Therefore, if you plan on doing high-risk activities or extreme sports whilst on your backpacking adventure, then it is probably worth checking the World Nomads list of adventure sports to ensure that it is covered or be sure to add on adventure sports coverage.

Note : if you were drunk or on drugs at the time of your accident or injury you may not be covered if World Nomads finds out about it.

Baggage and Personal Stuff

For most travellers, this aspect of travel insurance is a close second to medical cover. It can cover the costs of reimbursement for loss, theft, or damage to baggage or personal stuff incurred during the trip. This cover can cover you if you are mugged in the street during your trip, or if your baggage goes missing at the airport.

Insuring Specific Gear and Electronics

At this time, World Nomads does not offer any item-specific insurance packages. You cannot take out a policy on your iPhone, tent, or lucky underwear. If something is lost or stolen you have the per article limits mentioned above. To be honest, this is far from ideal and does quite reflect the reality that these days many of us travel with $1000 laptops and $700 iPhones.

However, this flaw is NOT unique to World Nomads and many travel insurance providers (in fact, all the ones I am personally aware of) are the same. Personally, I have a separate gadget insurance policy for my Mac Book which includes travel cover.

Emergency Evacuation and Repatriation

EER coverage is for an accidental injury or sickness occurring during the trip that results in your necessary emergency evacuation. For example, if you break your leg way out in the Himalayas and you need a helicopter rescue, you should be covered as long as you made it clear that you would be doing this, and stated the altitude. If you are going trekking in the Himalaya’s, check with World Nomads to make sure that they are covering you.

An emergency evacuation must be ordered by a physician who certifies that the severity of your accidental injury or sickness warrants your emergency evacuation.

Obviously, you won’t be trekking with a doctor, but once emergency personnel arrives they will contact World Nomads on your behalf.

Non-Medical Emergency Evacuation

This coverage is for transportation expenses if there is a natural disaster or civil or political unrest in the country in which you are visiting (which may or may not be specifically related to terrorism).

Trip Cancellation

This cover reimburses travellers for prepaid, non-refundable cancellation charges if a traveller is forced to cancel a trip for specified reasons. Trip cancellation does not cover travellers who simply change their mind but rather can cover cancellation due to covered sickness, accidental injury, death, inclement weather, an unforeseen natural disaster at home or at the travel destination, strike or other covered reasons.

Trip Interruption

Trip Interruption can cover travellers whose trips are (you guessed it) interrupted in any way. This can mean being forced to come home early and buy an additional flight or, it can mean being forced to extend your trip or make changes to it for various reasons.

Note that additional accommodation and transport expenses have a per-day maximum of $250 so you probably won’t be able to stay in the Ritz and bill it to WN!

Accidental Death and Dismemberment

Google and Starbucks have both proved that taxes are NOT in fact inevitable, therefore leaving death as life’s one and only certainty. All of us will one day die and none of us knows when or where it will happen.

This pretty macabre aspect of cover concerns death and or dismemberment whilst travelling. It is coverage for the loss of life or limb as a result of an accidental injury occurring during the trip. is if you have an accident and are dying then if you die your family may be covered.

Pretty grim I know, but we can’t pretend that no one has ever died whilst travelling before.

Let’s have a look at some other little details that we feel make World Nomads stand out as being that little bit extra special.

Here is where World Nomads really sheeee-ines as a travel insurance provider. Their 24 hour a day support and assistance helpline can help travellers to locate local physicians, dentists, or medical facilities.

If you know that you will be participating in some kind of risky activity then it may be sensible to plan thoroughly and accordingly. This means making sure you have the WN phone number and your insurance information in your wallet or tucked in your rain jacket for example so all of your World Nomads info is in an easy to find place.

Make it known to your group what to do if an accident occurs. They need to contact World Nomads as soon as possible in order for you to be covered.

Coverage For a Whole Raft of Adventure Sports and Activities!

As I said earlier, World Nomads provide travel insurance for travellers by travellers, and as such, they know the kind of escapades that we like to indulge in. They may be able to cover a very impressive range of different physical activities.

For the full list of what is covered under each insurance plan click here .

Left Home Without Insurance? No Sweat!

World Nomads is one of the few companies we have come across that let you buy or modify insurance coverage whilst you are already on a trip. Plans change, trips get extended, and the need for more quality insurance happens!

That said, please do note that if you were injured during your trip and want to buy more insurance this could prove complicated. It is possible that World Nomads would consider your injury or illness a pre-existing condition. This could result in you being denied any more coverage.

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

So how much does World Nomads insurance cost? Are World Nomads expensive or is World Nomads cheap? Well, there is no single figure or one-word answer to that question.

What we can tell you now is that World Nomads don’t really offer cheap travel insurance. If you are simply looking for bargain basement, bottom bucket travel insurance then you may wish to look elsewhere. However, if you are after proper backpacker insurance that reflects the realities of travel then you probably already appreciate that it comes at a wee bit of a premium.

The cost of World Nomads insurance differs from policy to policy depending on a number of variables. Factors such as your nationality, your planned destinations, your age, and trip length all feed into the quote. However, for the sake of illustration, let’s take a look at what an example multi-country 3-month backpacking trip would cost .

And since many backpackers are fond of travelling in Southeast Asia , I will use this as an example. This hypothetical trip runs through four countries (Thailand, Laos, Vietnam, and Cambodia) and lasts three months. For the sake of the example, I have given this traveler American nationality, 25 years, and a resident state of California.

Here is the price quote for both The Standard and Explorer Plan :

The Standard Plan costs $241.24 which works out to be around $2.79 per/day for 90 days (3 months).

The Explorer Plan costs $356.40 which works out at around $4/day for 90 days.

In terms of how this compares to other travel insurance providers we have tested, it’s around the medium price range. But, paying a medium price for what is widely regarded as a premium service represents very good value in our estimation.

Ultimately though, instead of relying on our little etch-a-sketch example, you can quickly and easily get a totally free, no obligations quote for yourself simply by clicking on the button below.

Making an insurance claim through World Nomads is quite simple. All you have to do is contact (call) World Nomads and chat with their 24/hour multi-lingual staff. You can also login to your profile on their website and file a claim online although note that at some point, they will need to actually speak with you (presumably to run you through their voice sensitive lie detection software).

In the case of lost or stolen items, you will need to write up a formal sworn statement of events, detailing what happened and what was lost. You will also need to have an official police report made.

If you claim lost or stolen items, World Nomads will ask you for those two things. To make a claim online you should prepare a few things first. When dealing with World Nomads or any other insurance company ALWAYS keep all of the documents involved. You will need these to prove your expenses ETC.

It’s helpful to get all of your receipts and invoices together first and submit all expenses for your claim at once. Keep copies of every expense, bill, invoice and report as you will need to provide these to the claims team so they can assess your claim.

List each expense for the amount shown on your receipt/invoice and answer all other questions. You’ll be sent an email advising what documentation you will need to send us to support your claim.

After that is sorted, you upload all of your information and documents, review the claim and then click submit. The folks at World Nomads are on it and will be in contact with you throughout this process.

Wanna know how to pack like a pro? Well for a start you need the right gear….

These are packing cubes for the globetrotters and compression sacks for the  real adventurers – these babies are a traveller’s best kept secret. They organise yo’ packing and minimise volume too so you can pack MORE.

Or, y’know… you can stick to just chucking it all in your backpack…

As I mentioned before, I’ve had to claim on my travel insurance several times over the last ten years.

Most recently, in 2017, I became very sick with Dengue Fever in Koh Lanta, Southern Thailand. I was too far from a hospital and so I ended up in a private clinic – which was a big mistake. As soon as I walked in, the main doctor was practically rubbing his hands together with glee. I was too sick to really notice and went on to get treated.

When I went in, I was asked for, and gave, my passport so they could make a photocopy.

I had administered fluids, plenty of pills and spent an uncomfortable night tossing and turning on a bed.

The next day I asked for my passport back and was informed that I would only get it back once the bill was paid. I asked for the bill and it was a massive 25,000 Bhat – nearly $1000. I explained that I didn’t have that kind of money but that I did have travel insurance and they would pay it back.

To my horror and surprise, the two doctors then began shouting at me, insisting I would not get my passport back till I paid. I felt weak still from the Dengue and was in no state to start busting heads.

I called World Nomads – they were extremely surprised that my passport was being held ransom, insisting that it was illegal. They were right. World Nomads dealt with the whole thing for me and thirty minutes later, my bill was paid and my passport was released – I was extremely impressed with World Nomad’s professional service and very gratefully to them for getting me out of a bind.

Buying insurance from World Nomads is dead-easy and you can be covered within minutes. Just simply click on the button below to get a quote started, and then if you like the cut of its dollars and dimes go ahead and pay for it and bingo!

Do you already know where and when you plan to go backpacking? Maybe you just want to get a quick, loose quote so you can get an idea of what it will cost? Either way, click the button below and start planning your adventure.

After shelling out for that nice, shiny travel insurance policy it would kinda be a shame not to use it right? WRONG! Whilst making an insurance claim may at least feel like getting value for money, it also means that something went wrong on your trip! Therefore the best outcome is to never have to actually use your travel insurance and in order to do that, there are some simple steps you can employ to take care of yourself and make an accident, loss, theft or illness that little but more unlikely.

One other thing to note is that most pre-existing conditions are not covered, but if you do have one then you should get in contact with them directly to discuss exactly what they will cover as you might be pleasantly surprised.

To help make things far more difficult for potential thieves to take your money, pick yourself up a  backpacker security belt  to keep your cash safe on the road, and check out  Backpacker Safety 101  for tips and tricks to stay safe whilst on your backpacking adventure.

I strongly recommend travelling with a headlamp whilst backpacking anywhere in the world – every backpacker should have a good headtorch!) – check out my post for a breakdown of the best value headlamps to take backpacking.

We also suggest picking up a good filtered water bottle to ensure you don’t get water poisoning and also pack a travel first aid kit to deal with any cuts or bites before they turn septic.

Final Thoughts on World Nomads Travel Insurance

Whether you are planning on a year-long world tour or a two-week backpacking trip to Europe, having travel insurance gives you sweet, sweet peace of mind. You never know when a great day could head south, and honestly, there is no worse feeling than being stuck with exorbitant expenses that could all so easily have been avoided.

I hope your future backpacking adventures fulfil all over your travel dreams and then some. Hopefully, the day never comes when you need to use your insurance.

That said, if and when that day arrives, going with World Nomads travel insurance will allow you to be totally ready to deal with the situation like the responsible backpacker that you are.

What is our final score for the World Nomads Travel Insurance? We give it a rating of 4 out 5 stars !

*Please note that World Nomads terms and conditions do vary and may change. The information provided here is for guidance purposes only. We recommend you check with World Nomads to ensure that you are fully covered before beginning your trip. Please read your policy terms and conditions very carefully.

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.

Aiden Freeborn

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33 Comments

Thank you! I have been searching for reputable insurance for my upcoming trip- and used your link to get my insurance. The guy over the phone who was answering some of my questions was so nice and very honest. Thanks again! I am taking my mom to Vegas for her birthday . next week and am so excited.

Excellent, Anna! I’m glad to hear it! Which insurance did you go with? It would be good to know which one has really good customer support.

World nomads! Called Their 1-800 # – answered all my questions and very friendly! ????

Apologies on the ??? i tried to use emoji hearts lol anyhow i had some questions about what activities would be covered and which would be extra (with world nomads) and it was all very easy to figure out that I did NOT need to purchase the extra sports activity package. Onwards!!!

If your 65 they won’t even give you a quote. Your too much of a risk regardless of your heath and fitness.

Depending on your nationality, you can have a policy excess deductible from the amount of medical expenses you will pay. So be careful if you’re from Europe. Making a claim on their website has been complicated, asking many papers that of course you don’t have. You’ll be refund approximatly one month after you spent money wich is too long. That’s what happen to me and i’m very disappointed. So i haven’t renew my subscription and took IATI instead, they have no such excess policy (a spanish company with better coverage).

Hi Chris- this was a super helpful article. I wanted to ask for your advice on deciding between the two plans for my upcoming trip to Southeast Asia for 3 months. For me, the biggest deciding factor is the Collision Damage (included in the Explorer but not the Standard). I’m planning to rent motorbikes/scooters most of the time- is this covered? I also wanted to ask if, in your experience, most motorbike/scooter rental places in SEA do require additional insurance (as you mentioned in the article)? Thank you for the help and advice!

Some rental places in SEA will require you to have insurance, others are super casual and won’t ask you for anything. Cheers!

Be aware that World Nomads pays Secondary to your regular Health Insurance – assuming you have Health Ins. Depending on where you are traveling, working through your Health Insurance carrier first may be a hassle. Just a heads up …

Hi there! I am going for a family holiday in South East Aisa (Malaysia, Singapore, Bali and Thailand) this December and would like to know if Fiji Citizens can buy a policy from World Namads Travel Insurance.

Hey Kaushik! I had a look on the site and it appears that you can purchase a plan through World Nomads. Happy adventuring!

My 23 y/o daughter is living and teaching English in Siem Reap, Cambodia. What would the best insurance plan be for her? Thanks, Janet

Hi Janet! She would be covered under most travel plans, but we’ve been using World Nomads without disappointment for years. With them you can be covered for at least a year. I haven’t tried longer because I can’t plan so far in advance! Be sure to add any destinations she might visit during her trip, like Laos, Vietnam or Thailand. Other than that, you’re golden!

Hi I’m going to be travelling around South East Asia and I’m planning on purchasing the explorer plan for the year. I was wondering would you think it necessary to add my iPhone as a high value item incase it gets lost or stolen, it cost me €835. Or would the explorer plan alone cover me?

Hi Mollie! The explorer plan doesn’t cover our fancy phones at the base rate. If you’re traveling around for the whole year, it could be worth it for your peace-of-mind to add your iPhone onto your plan. This only helps, though, if you have a receipt or some proof of purchase for your iPhone, so make sure you have that handy. Happy adventuring!

THANK YOU SO MUCH!!!!! I stumbled upon your website and I couldn’t be more thrilled at the rabbit hole I’ve gone down for the last 2 hours on your site!! ? :). So excited I found this website and appreciate all of the time, energy, and detail that you have put into the website and into your reviews! Thanks so much! Looking forward to checking the site regularly and exploring more of it!

Great to hear Jessica, we wish you an awesome trip! Cheers from Thailand!

Hi! I wanted to leave a note to all of the photographers asking how to insure their gear. I’m a professional photographer and TCP insurance is my go to (and the industry standard). They cover gear damage and theft when traveling etc. Hope that helps!

Very helpful article. My wife and I are going to Israel for 20 days. We are renting a car and doing our own touring. I have a lot of photography gear that I will be bringing with me. The Worlds Nomads personal item loss is insufficient but I like everything else especially in the Explorer plan. Can you recommend any insurance for just my photography gear? Thanks

I suggest taking a personal items plan with your regular insurance provider for your photography gear.

Has anyone had an experience where you needed to come home early, either because you were sick (medical evaluation) or had a family emergency that terminated your trip?

Thanks for the info. I am looking for insurance like this one as I like to do snorkeling/diving plus bringing my cameras with me. I can’t find this type of insurance in my country that covers personal property or water activities I like to do on traveling. So I will give this one a try.

Thanks Chris! I heard the same from World Nomads directly but just gives me peace of mind hearing it from an unbiased third party! Muchos gracias~

Don´t get Worldnomads, for example we had to be evacuated from Lukla due to the airport being closed and all planes cancel for several days and they will not cover it. You will lose all your money if you have to take an helicopter out to get to your international flight.

That’s pretty standard with any insurance company… No company will cover crazy weather influencing flights. I buy insurance to protect myself against medical bills and protect my gear against theft – but for flights – you’re on your own really.

hi chris awesome article, im taking a brand new digital camera ($870) my wife gifted me for xmas and was wondering if the explorer plan is sufficient in covering damaged or stolen digital camera? or should i add it as a high price item which would cost me more than double with world nomads from their quote. Thanks!

Congrats on your new camera! You definitely want to protect it. Which is why I think the Explorer World Nomad’s plan is good enough to cover you… if all you are wanting to protect is your camera and a few other bits and pieces.

Under the Explorer Plan you can claim a maximum $1500 per item for a total of $3000. So if your camera is worth $870, then yes, the explorer plan should be good. Now if you are also packing expensive lenses, a laptop, and other valuable gear, I’d seriously consider adding high value items to the policy as needed. Remember, you never need insurance until you do right? Good luck amigo.

I was looking at a WN to cover a trek in Nepal where the need for a helicopter rescue is a real possibility (as described and shown above). However the WN policy (for US resident in MI) I was reading said this:

“Emergency Evacuation means your medical condition warrants immediate transportation from the hospital where you are first taken when injured or sick to the hospital of your choice where appropriate medical treatment can be obtained OR after being treated at a local hospital, your medical condition warrants transportation to the United States where you reside, to obtain further medical treatment or to recover.”

This sure sounds to me like they are not covering a field rescue as described in this article, but rather transport from one hospital to another. Very troubling.

Thank you! I am on a long-term stay in northern Thailand and my policy with another insurer is about to run out. So this is helpful! All the best!

Hi Rob, thanks for your comment. In response to your question: No I did NOT and do NOT receive any free insurance, discounts, or payments of any kind! In fact, I just bought another World Nomads insurance policy recently for a trip to Pakistan (they now cover Pakistan as a destination). The review I wrote is based on my own experiences and those of my colleagues here at TBB. When I need to buy travel insurance for a backpacking trip, I go with World Nomads unless they don’t cover a certain destination (there are several) that I want to visit. Hope this helps! Good luck mate.

This sounds like a paid ad and is not reflective of my current experience. I submitted a claim on my World Nomads policy over six weeks ago, received no outcome, have followed up multiple times via email and their web form (there doesn’t seem be a non-emergency contact number?) and I have still heard nothing from them. I’ve bought from them before and never had to claim, fortunately, but after this experience I will never buy from them again.

This is not a paid ad. I myself have been insured by World Nomads for five years and have claimed twice, both times they were awesome. That doesn’t mean they’ll always be awesome but this is my experience with them and we don’t ‘sell’ positive reviews on this site.

Thanks for the great and detailed review! I currently have IMGlobal but thinking of switching over to World Nomads. Your reviews clearly stated all the benefits and I think I am sold.

Thanks for sharing! Andy Traveler https://www.andytraveler.com

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• Best overall
• Best for cruises
• Best for reputation
• Best for preexisting conditions
• Best for digital nomads
• Best low-cost
• Best for road trips
• How we reviewed travel insurance companies

Ultimate Guide to Choosing the Best Travel Insurance in June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this guide to the best travel insurance, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Best Travel Insurance Companies of 2024 Summary

• Best Overall: Nationwide Travel Insurance
• Runner-Up: AXA Assistance USA
• Best for Cruises: Travel Guard
• Best Reputation:  C&F Travel Insured
• Best for Pre-existing Conditions:   Tin Leg Travel Insurance
• Best for Digital Nomads:   WorldTrips Travel Insurance
• Best Low-Cost Option:   Trawick International Travel Insurance
• Best for Road Trips: Travelex Travel Insurance

Top Travel Insurance Companies Comparison

The best travel insurance companies offer comprehensive coverage options for a wide range of people and needs. For this guide, we looked at coverage options, customizability, and the best companies for specific situations, such as pre-existing conditions.

Here are Business Insider's picks for the best travel insurance companies in 2024. 

Best Overall Travel Insurance

Nationwide travel insurance.

Nationwide is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Read our Nationwide Travel Insurance review .

Best Travel Insurance Runner-Up

Axa assistance usa.

AXA offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

Read our AXA Assistance USA Travel Insurance review .

Best Travel Insurance for Cruises

Travel guard.

AIG is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

Read our AIG Travel Guard review .

Best Travel Insurance for Reputation

C&f travel insured.

While every travel insurance company has negative reviews about its claims process, C&F Travel Insured 's claims process has a consistent stream of positive reviews. One customer wrote that C&F processed a claim within 48 hours. Additionally, C&F regularly responds to customer reviews within one business week, making reviews a consistent way to reach the company.

Additionally, in C&F's fine print, it mentions that any claims that take more than 30 days to pay out will begin to accrue interest at 9% APY.

C&F's reputation isn't the only thing to speak highly of. It offers an array of add-ons uncommon in the travel insurance industry, such as Interruption for Any Reason insurance and CFAR coverage for annual plans. C&F also offers discounts for children on its Protector Edge plan and free coverage on its Protector plan.  

Read our C&F Travel Insured review . 

Best Travel Insurance for Pre-Existing Conditions

Tin leg travel insurance.

Tin Leg is a great fit for travelers with medical issues in particular. Seven of Tin Leg's eight travel plans include coverage for pre-existing conditions as long as you purchase your policy within 15 days of your initial trip payment.

Thanks to coverage for pre-existing medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Read our Tin Leg Travel Insurance review .

Best Travel Insurance for Digital Nomads

Worldtrips travel insurance.

WorldTrips has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

Read our WorldTrips Travel Insurance review .

Best Travel Insurance for Affordability

Trawick international travel insurance.

Trawick is another insurance provider with robust medical travel insurance that can help higher-risk and anxious travelers find peace of mind while on the road. This company offers one of the most generous medical evacuation policies in the market, although travelers will need to remember to add on rental car coverage if they need it.

Read our Trawick Travel Insurance review .

Best Travel Insurance for Road Trips

Travelex travel insurance.

Travelex offers three plans:

• Travel Basic
• Travel Select
• Travel America

The Travelex America plan is meant for trips limited to the U.S., but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the U.S. for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Read our Travelex Travel Insurance review .

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about how much emergency medical care while traveling will cost, even in the most remote corners of the globe. This coverage will often come in tandem with emergency medical evacuation coverage.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short. You may also look for cancel for any reason and interruption for any reason options, which will reimburse you for a percentage of your nonrefundable fees, but expands the covered reasons you can cancel a trip. You can find our guide on the best CFAR travel insurance companies here.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away. Also, check websites that field customer reviews like Trustpilot, the Better Business Bureau, and InsureMyTrip , to see how well a company responds to customer requests.

Choosing the Best Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering. While the ratings are important, you should also look at whether or not a company responds to customer complaints.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy – what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. 

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Keep important contacts and your policy details handy, and remember, your insurance provider is there to assist you.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own. 

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

How We Reviewed the Best Travel Insurance Companies

To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award five stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2023 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the U.S. Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read our full insurance rating methodology for even more details.

Best Travel Insurance FAQs

There isn't a one-size-fits-all solution for every traveler. Determine the benefits that are most important to you, like baggage delay coverage, medical coverage, and trip delay coverage, then look for a company with solid customer ratings, especially when it comes to processing claims.

Travel insurance will pay out if you experience a covered event, such as a travel delay or delayed or lost baggage. If you're looking to get travel insurance for a specific reason, such as needing to potentially cancel your trip due to work reasons, make sure your policy will cover you in that situation before purchasing it. You should also check customer reviews to see other travelers' claims experiences, as it varies wildly from company to company.

The average cost of travel insurance is 4% to 8% of your total trip cost, so it could vary widely depending on where you're traveling and the length of your trip. Your age, the number of people in your group, and other factors can also influence how much you'll pay.

Most comprehensive travel insurance policies include travel medical coverage that can come in handy if an emergency occurs and you need medical evacuation. Some travel insurance plans offer more specialized coverage for travelers with pre-existing conditions , so shop around if medical coverage is a top priority for you. 

$100,000 should be a sufficient medical coverage limit for travel insurance. If you're planning on doing extreme sports or anything particularly risky on your trip, you may want to increase your coverage level. A high medical coverage limit is especially useful when you're purchasing cruise travel insurance, since medical evacuations are more involved at sea.

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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