The Best Health Insurance for Digital Nomads


A woman hiking on a sunny day in the rugged mountains
Posted: 7/31/23 | July thirty first, 2023

Travel insurance coverage isn’t an thrilling matter to analysis. When you’re planning a visit, the very last thing you wish to do is examine insurance policies about theft and accidents that may happen overseas.

But, as I’ve stated earlier than, when an emergency strikes, it’s higher to be secure than sorry.

Whether you’re touring for 2 weeks or two months, shopping for journey insurance coverage is a should.

But what occurs if you’re gone for 2 years, not simply two months?

In that case, you want extra than simply emergency protection. You want well being care. You want protection for routine and preventive check-ups and pharmaceuticals, in addition to for damaged limbs and misplaced baggage.

Enter Nomad Health.

Created by SafetyWing, Nomad Health is international medical insurance protection for distant employees, expats, and nomads.

It’s each emergency journey insurance coverage and medical insurance coverage whilst you’re away. It’s tremendous reasonably priced, making it a sport changer for long-term vacationers, digital nomads, and people residing overseas.

Here’s every part you must find out about Nomad Health to determine if it’s best for you and your journey plans.

What is Nomad Health?

A screenshot from Nomad Health by SafetyWing insurance
Nomad Health is insurance coverage for digital nomads, distant employees, and long-term vacationers. It’s a mixture of your normal emergency protection that each one journey insurance coverage provide, together with “regular” well being care protection, equivalent to routine visits and preventive care.

It’s a duplicate of the form of medical insurance you would possibly discover in your house nation, guaranteeing that you simply’re sorted it doesn’t matter what occurs.

Currently, there are two tiers: Standard and Premium. The principal variations (as you may see within the picture beneath) is that Premium gives larger protection: dental as much as $1,500 USD, imaginative and prescient as much as $500 USD, vaccines as much as $500 USD, and maternity prices as much as $7,500 USD.

A screenshot from Nomad Health by SafetyWing insurance

You can be taught extra and examine the plans right here.

How is Nomad Health Different from Regular SafetyWing Coverage?

A screenshot from Nomad Health by SafetyWing insurance
Travel insurance coverage must be regarded as “emergency insurance.” If you break a leg or lose a bag or get caught in a hurricane, journey insurance coverage may help.

Nomad Health, nonetheless, covers each emergencies and common medical care. That means you will get assist — and get reimbursed — for emergency and non-emergency occasions.

There are a couple of different variations to notice when evaluating Nomad Health with SafetyWing’s normal journey insurance coverage (referred to as Nomad Insurance):

  • Nomad Heath covers these as much as age 74 (vs. 69 for Nomad Insurance)
  • There is not any deductible with Nomad Health (it’s $250 USD with Nomad Insurance)
  • Claims are dealt with in 10 days (as a substitute of 45 with Nomad Insurance)
  • Coverage for one’s house nation is included (that prices further with Nomad Insurance)

Another essential distinction is that, in contrast to for normal journey insurance coverage, Nomad Health candidates must be permitted. You can’t simply purchase a plan and be in your merry approach, because the insurance coverage workforce must evaluate your software, together with any medical historical past and/or pre-existing circumstances. They may request extra medical notes or paperwork.

Additionally, pre-existing circumstances might not be lined, and there are some candidates that will not be capable of be lined. (Pre-existing circumstances are not often lined underneath common journey insurance coverage.)

I don’t love that some persons are prone to be screened out, however I perceive it given the price of well being care world wide. I think, since this was simply rolled out, that as issues progress and the pool of candidates will increase and the corporate sees how this works, they may open it as much as an increasing number of folks.

Who is Nomad Health For?

If you’re heading out on a visit for a couple of weeks or a couple of months, Nomad Health isn’t for you. Regular journey insurance coverage (like SafetyWing’s Nomad Insurance) will greater than suffice.

But in case you’re going to be away for a yr or extra and wish to be sure to have appropriate well being protection for each accidents and routine care, then Nomad Health is for you.

In brief, in case you’re a digital nomad, expat, or long-term traveler, that is the plan I’d advocate for you. Here’s a have a look at what is roofed:

A screenshot from Nomad Health by SafetyWing insurance

The most essential quantity right here is that $1,500,000 USD. Travelers utilizing Nomad Health get $1.5 million in protection annually, which is greater than sufficient for just about something. Most normal journey insurance coverage cowl only a couple hundred thousand {dollars}, in order that $1.5 million casts a large security internet and goes a good distance to make sure you’re lined it doesn’t matter what occurs.

How Much is Nomad Health?

If you’re 18-39, a Standard Nomad Health plan prices round $123 USD per thirty days. For a Premium Plan, that very same traveler can pay $238 USD per thirty days.

Prices go up per age group (similar to with any insurance coverage), so the very best month-to-month price is for vacationers aged 60-74, which prices $537 USD per thirty days for the Standard Plan. Again, whereas that looks like so much, it’s less expensive than most different choices on the market — and less expensive than paying out of pocket.

To see how a lot a plan will value for you, click on right here to get a free quote.


When I began backpacking, journey insurance coverage choices have been restricted. And costly. Fortunately, we’ve much more choices today — with so much higher protection. If I used to be beginning out once more, heading off on one other 18-month journey world wide, Nomad Health is precisely the form of plan I’d get. It covers the fundamentals in addition to emergencies, and can be tremendous reasonably priced.

I do know insurance coverage looks like an pointless added value, however I’ve realized the arduous approach — a number of instances — that it’s an expense price paying for.

Don’t be low-cost together with your well being. Stay lined and keep secure. You gained’t remorse it.

Book Your Trip: Logistical Tips and Tricks

Book Your Flight
Find an affordable flight through the use of Skyscanner. It’s my favourite search engine as a result of it searches web sites and airways across the globe so that you at all times know no stone is being left unturned.

Book Your Accommodation
You can e-book your hostel with Hostelworld. If you wish to keep someplace apart from a hostel, use because it persistently returns the most affordable charges for guesthouses and resorts.

Don’t Forget Travel Insurance
Travel insurance coverage is one factor you WILL wish to purchase. It’s there in case you get sick, robbed, delayed, or a visit cancelled. I by no means go on a visit with out it since you by no means know what might occur. Don’t skip it. I’ve seen too many vacationers remorse doing so. My favourite firms are:

Want to Travel for Free?
Travel bank cards can help you earn factors that may be redeemed totally free flights and lodging — all with none further spending. Check out my information to selecting the correct card to get began. For US residents, right here’s how one can get factors on hire too.

Ready to Book Your Trip?
Check out my useful resource web page for the perfect firms to make use of if you journey. I listing all those I take advantage of after I journey. They are the perfect at school and you’ll’t go mistaken utilizing them in your journey.


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