10x Best Digital Nomad Insurance For Travel [2023 Review]

Digital nomad insurance is different from traditional travel insurance.

Why?

There is a huge chance that your average travel insurance company won’t suit your digital nomad lifestyle needs.

Let me explain:

With most traditional travel insurance plans-

• You have to pay in advance
• It’s designed for short trips only
• Makes you select every destination
• Doesn’t automatically renew
• Have to be in your home country to sign up

Bottom Line: You need real digital nomad insurance that works with your lifestyle and covers you wherever you travel.

In this blog, we’ve put together a list of the most popular and best digital nomad insurance options for travel in 2023. We’ve also listed some of the things we think about before buying travel insurance.

Ready to get started? Let’s get into it!

Our Top Choices: Best Digital Nomad Insurance

Looking for the short answer? These are our top 3 choices for the best digital nomad insurance:

10x Best Digital Nomad Insurance For Travel

Here’s the truth:

The best insurance for digital nomads will be different for everyone.

To make this as valuable for every digital nomad as possible, I have done the research and put together what I consider the best travel insurance for digital nomads.

These are the best digital nomad insurance worth considering:

1. SafetyWing Nomad Insurance – Best Budget Digital Nomad Insurance Overall
2. Genki World Explorer – Best Medical Coverage For Digital Nomad Insurance
3. Heymondo Travel Insurance – Best Value For Money Digital Nomad Insurance
4. Insured Nomads
5. PassportCard Nomads
6. World Nomads
7. Travelex Travel Insurance
8. AIG Travel Guard
9. IMG Global Travel Medical Insurance
10. Atlas Travel Insurance

Each of them has different pros and cons. I’ve got a detailed list below so you can look through it and figure out which is right for you.

This is my own research findings and personal opinion.

Make sure you choose the best insurance for you personally and always check an insurance provider before purchasing travel insurance. Any insurance company listed is not a recommendation to buy.

1. SafetyWing Nomad Insurance

SafetyWing is one of the most well-known digital nomad insurance companies in the world.

It seems like every digital nomad uses and recommends them (and many do).

There are three big reasons that many digital nomads use SafetyWing:

1. They are primarily focused on digital nomads
2. Their insurance plans are very flexible
3. They’re super cost-effective

Those three things have made SafetyWing one of the most popular digital nomad insurance companies in the world.

The other thing is that most employees at SafetyWing also work remotely, which means they really get the digital nomad lifestyle. This helps them build plans that suit the average digital nomad nicely.

What’s Included SafetyWing Nomads Insurance?

SafetyWing offers excellent value for money for their digital nomad insurance. They cover people from all over the world and usually want you to start a policy with them once you are outside your home country.

And the best part?

You buy it on demand and can keep it as a subscription. This is one of the things we love about using SafetyWing. You buy travel insurance on a 28-day subscription. It automatically renews unless you cancel it.

We personally like this “set-and-forget” model!

Here is an overview of what’s included in SafetyWing Nomad Insurance:

• Maximum Limit – $250,000 with a $250 Deductible
• Medical Expenses (Hospital, Room & Nursing Services, Ambulance, Emergency Dental)
• Physical Therapy & Chiropractic Care – Up To $50/day
• Travel Delay – Up To $100/day (max 2 days)
• Lost Checked Luggage – Up To $500 per item
• Lost or Stolen Passport & Visa
• Natural disasters – (5 nights stay up to $100 per night)
• Political and Emergency Evacuation
• Personal liability
• Accidental Death & Dismemberment

For a complete list of what’s covered by SafetyWing, click here.

One thing I should mention about SafetyWing is their claims. If you Google “SafetyWing claims review,” you will see many people complaining about how long it takes them to pay.

Some people are still waiting even after 9 months.

This can be a downside of SafetyWing. But I have also heard from other people that their claims were processed quickly. I am sure many factors go into it, but it’s something to keep in mind.

SafetyWing also has a 4.3 out of 5 rating on TrustPilot, with 75% of ratings being 5 stars. That’s actually very solid for a travel insurance company.

SafetyWing Pros & Cons

Cost Of SafetyWing Nomad Insurance

SafetyWing starts at $45.08 for 4 weeks (28 days) for a person aged 18-39.

It’s a subscription, so you buy the insurance for 28 days. It automatically renews a few days before the expiration date until you cancel it.

SafetyWing offers simplified and easy-to-understand payment options. They are also one of the cheaper travel insurance options on the list, making them attractive for travelers and digital nomads on a budget.

Ready to get covered by SafetyWing? Click here to sign up.

Don’t forget to check out our complete SafetyWing review for more information!

2. Genki World Explorer

Genki Digital Nomad Insurance is a clear runner-up to SafetyWing.

They have the best medical coverage of any digital nomad insurance provider on the list and insurance is purchased on a monthly subscription plan that can be cancelled anytime.

Genki was designed with digital nomads and remote workers in mind.

They offer transparent travel medical insurance plans and you can sign up outside your home country – almost anywhere in the world. The plans are very transparent and the signup process is very smooth. It takes just a few minutes to register.

I once signed up for Genki while waiting to board a ferry from Bali to Nusa Lembongan.

Genki Insurance is backed by insurance giant Allianz Partners and claims are handled by DR-WALTER. These are two well-known insurance companies with good reputations for paying claims on time.

What’s Included With Genki Digital Nomad Insurance?

Genki offers excellent value for money with its insurance plans.

One of the biggest benefits of Genki is the level of comprehensive medical insurance you get. Most of their coverage has no limits which means they won’t cap the expenses.

Here’s an overview of what’s included by Genki:

• Emergency inpatient treatment and outpatient treatment, including operations
• Medicine, remedies and dressing material
• Dental treatment for pain relief and simple fillings as well as repair of existing – € 500
• Medically necessary dental treatment as a result of an accident – € 1,000
• Outpatient initial treatment of mental illnesses – € 1,500
• Inpatient emergency treatment of first-time mental or emotional disorders – € 20,000
• Transport costs to the nearest hospital (e. g. with ambulance vehicles)
• Return transport to the Insured Person’s place of residence in their home country
• Transport of the Insured Person’s mortal remains (repatriation costs)

Genki also has excellent coverage for most sports activities. This is a huge bonus for digital nomads who like to adventure.

Genki even covers scooters and car accidents.

Overall Genki offers a great level of coverage – especially when you factor in how cost-effective the price is.

Genki Pros & Cons

Cost Of Genki Insurance

Genki insurance starts at just €39.30 per month for digital nomads up to 29 years old.

Here’s a table that shows the full breakdown of how much Genki insurance costs with all plan options:

Age Range	Worldwide – EXCLUDES U.S	Worldwide – INCLUDES U.S
0 to 29	€39.30	€86.70
30 to 39	€54.60	€108.30
40 to 49	€60.00	€130.20
50 to 59	€78.00	€169.20
60 to 69	€116.70	€253.50

Genki’s pricing is really impressive when you consider what you get. They also add an option for a €0 deductible if you want it.

The truth is that if you just want comprehensive travel medical insurance, you can’t do much better than Genki. They cover more than SafetyWing in terms of medical and have competitive pricing on a convenient monthly subscription.

Sign up for Genki Insurance here.

Make sure that you also check out our complete Genki insurance review to learn more about Genki’s digital nomad travel insurance.

3. Heymondo

Heymondo has become a popular travel insurance option within the digital nomad community.

They provide a variety of plans to suit different needs and budgets.

Heymondo stands out as a top-tier digital nomad insurance choice because they offer excellent insurance coverage at an affordable rate.

You also have the ability to cover your electronic items as an add-on, which a lot of other travel insurance providers don’t offer.

Heymondo offers 3 different plans to choose from:

1. Single trip – Designed for people taking a single trip where they know every destination they’ll visit.
2. Annual Multi-trip – Worldwide coverage for all trips you take per year with a 60-day maximum per trip.
3. Long Stay – Flexible travel insurance coverage for trips that are going to be 90+ days

The long-stay 90-day insurance plan is probably what will suit most digital nomads best. It has everything you would expect from quality digital nomad insurance.

If you want longer than 90 days, you can always extend it!

Heymondo also has a couple of other unique benefits, like the Heymondo app. You’ll have 24/7 medical chat, free assistance calls and easy claims management all on your phone.

This is an excellent benefit for digital nomads who want to manage their insurance plans on the go!

What’s Included With Heymondo Travel Insurance?

Heymondo offers a good range of coverage and inclusions to suit a range of digital nomads.

The Heymondo Long Stay policy has an excess/deductible of $250 USD which is pretty standard across all digital nomad travel insurance providers.

Here is a brief overview of what’s included in the Heymondo Long Stay insurance plan:

• Emergency medical & dental expenses overseas – Up to $2,500,000 USD
• Medical transportation & repatriation home
• Baggage – Up to $1,200 USD
• Travel Disruption – Up to $350 USD
• Natural Disaster Assitance – Up to $1,250 USD
• Personal Liability – Up to $60,000 USD
• Accidental Death or Disability – Up to $10,000 USD
• Electronics (Optional Extra)
• Adventure sports (Optional Extra)

What really sets Heymondo is the comprehensive level of digital nomad insurance. Their medical coverage limits are up to $2,500,000 USD for emergency medical expenses overseas.

This is coupled with benefits like baggage and travel disruption to form a really solid plan.

The only thing you need to check is the Electronics and Adventure Sports coverage. These aren’t included in the core plan and are optional add-ons for digital nomads who want it.

What’s not included with Heymondo?

Normal general exclusions like routine checkups or pre-existing medical conditions aren’t covered. You need to check out the Heymondo General Conditions for a complete list of exclusions.

Heymondo Pros & Cons

Here’s a list of pros and cons to consider to help you decide if Heymondo is right for you:

Cost Of Heymondo Digital Nomad Insurance

The cost of Heymondo insurance will change depending on where you are from.

But to give you an idea, the cost of Heymondo Long Stay insurance starts at 120,06€ for 3 months for a 30-year-old from the United Kingdom.

That works out to be about 40€ per month, comparable with Genki and SafetyWing.

The best part is that if you renew your digital nomad insurance with Heymondo, they will offer discounts the longer you renew it!

Heymondo only offers single-trip coverage to US citizens and residents. If you are a digital nomad from the US then it’s probably worth looking more at SafetyWing or Genki.

Personally, I like what Heymondo has to offer.

Heymodo insurance is unique, innovative and has a really solid range of coverage. All of this is for an affordable price. What’s not to like?

Click here to get 5% off your Heymondo plan.

4. Insured Nomads Travel Insurance

Insured Nomads burst onto the digital nomad insurance scene, offering uniquely tailored quotes and a digital-first approach to insurance.

To say it’s a breath of fresh air is an understatement.

Insured Nomads offers 3 plans to choose from:

• World Explorer: Single Trip Insurance – Short-term trip coverage for the modern traveler. Travel medical insurance for 7 to 364 days.
• World Explorer Guardian: Trip Cancellation – Trip cancellation, medical, evacuation, extra benefits and more. (Eligible for US residents only).
• World Explorer Hotspot: Warzone Coverage – A uniquely designed travel insurance for those going into areas of conflict, warzones, or hotspots such as Afghanistan, Sudan, and Ukraine.

Yeah, the last one is kind of crazy! But if you need that level, it’s available, I guess!?

Insured Nomads has some really unique benefits included in their plans.

Their digital-first approach means Insured Nomads focuses on providing a user-friendly online experience, making purchasing and managing policies easy and convenient. But that’s not all…

When you purchase any insurance from Insured Nomads, you get access to a 12-month INC membership.

What’s INC?

It’s an exclusive benefits program offered by Insured Nomads that includes:

• Flight Delay Lounge Access
• Travel Delay Reimbursement
• BitDefender® Cybersecurity
• Geo-Location Alerts

And so much more! This is a significant and unique benefit for digital nomads, remote workers and ex-pats. It’s something I haven’t seen in any other digital nomad insurance company.

What’s Included With Insured Nomads?

Here is a list of things included with the Insured Nomads World Explorer plan:

• Medical benefits between $250,000 – $2,000,000 (You Choose)
• 24 Hour Emergency Medical Care
• COVID-19 Coverage*
• Acute Onset of Pre-existing Condition
• Emergency Dental Treatment
• Local Ambulance Transport
• Natural Disaster Accommodations
• Evacuation and Repatriation
• Alerts and 24-hour response center

Depending on the plan, you’ll have the option to add adventure sports or marine sports for an extra fee. This really takes your plan to the next level.

Insured Nomads Pros and Cons

Considering Insured Nomads digital nomad insurance? Here’s a list of pros and cons to think about first:

Insured Nomads offers tailored pricing.

You will need to get a quote to see exactly how much a travel insurance policy will cost. The good news is that their online form is quick and straightforward to fill out.

Insured Nomads insurance typically costs $97.20 for 1 month on the World Explorer travel medical insurance plan. 

Insured Nomads travel insurance plans certainly aren’t the cheapest. But they offer a great amount of benefits and the pricing is fair for the insurance level they offer.

Get a quote from Insured Nomads here.

5. PassportCard Nomads Insurance

PassportCard Nomads Insurance is unlike any other digital nomad insurance on the list.

They offer excellent medical coverage without all the usual paperwork and hassle that usually comes with buying nomad insurance.

The truth is that PassportCard Nomads has really taken travel insurance for digital nomads to a new level. We think it is possible the future of the digital nomad insurance industry.

Here’s why:

Passportcard Nomads has a $0 deductible and no claims. I know, crazy right?

When you sign up for PassportCard, they will send you a “red debit card”. Now let’s say you need to visit a doctor and make a claim overseas. While at the doctor’s office, you simply contact PassportCard Nomads using the PassportCard app (yes, they have an app). They will load the red debit card on the spot and you can pay directly to the doctor.

Cool, right?

You don’t have to pay out of your own money and wait months for reimbursement. Everything is sorted right there and then. And if that’s not enough…

PassportCard has award-winning customer 24/7 customer service to back up these incredible insurance features.

What’s Included With PassportCard Nomads

So they clearly have the coolest technology of any digital nomad insurance provider on this list.

But what’s actually included?

Similar to Genki and SafetyWing, PassportCard Nomads works on a monthly subscription. But where they differ is the plans that they offer.

PassportCard Nomads offers 2 different plans to choose from:

• Remote – Hybrid of travel and health insurance
• Comfort – Complete global health insurance

Here’s a breakdown of what’s included in each plan:

Plan Benefits	Remote	Comfort
Description	Global travel medical insurance with health benefits. Ideal for long-term nomads with no plan to return home soon.	Comprehensive medical health insurance. Ideal for those who want full health and medical coverage.
Price	From $119 / month	From $200 / month
Age	18 – 45	Up To 65
Deductible	$0	Might be eligible for $0 deductible
Maximum Coverage Per Policy Period	$1,000,000	$3,500,000
Emergency Medical Expenses	Included	Included, Sub-Limits May Apply
Emergency Surgery & Inpatient Care	Included	Included, Sub-Limits May Apply
Emergency Dental Coverage	Up To $1,000	Up To $8,000 Per insurance Year
Maternity & Childbirth	Emergency coverage up to week 12 of pregnancy	Up To $10,000 Per Insurance Year (Subject To Waiting Period
Non-Urgent Elective Medical Treatment, Surgery & Derivative Hospitalization	Up To $5,000. Subject To Prior Written Approval	Included, Sub-Limits May Apply
Physiotherapy / Chiropractic Treatments	Up To $50 Per Treatment. Maximum 8 Treatments Due To Acute Incidents	Inpatient Physiotherapy Included Up To Maximum Limit
Outpatient Care – Specialist Consultations & Office Visits	Up To $250 Per Visit. Maximum 4 Visits	Included
Routine Checkups	Up To $500 For All Wellness Benefits Per Insurance Year	Up To $400 Per Insurance Year(Can Be Higher)
Hospitalization & Inpatient Care For Continuous Medical Conditions	None	Included, Sub-Limits May Apply
Chronic & Routine Medical Care	None	Included, Sub-Limits May Apply
Cancer Treatment	None	Included
Inpatient Mental Healthcare	None	Up To $10,000 Per Insurance Year (Subject To Waiting Period)

I love the flexibility that PassportCard offers with its plans. You can choose the plan based the coverage you want and don’t pay extra for something you won’t use.

You also might have noticed that all of the plans only cover things related to medical and health. So what about coverage for things like baggage and personal items?

PassportCard Nomads offers these as “extra add-ons”.

While they are not included in the base plans, you can customize your plan so it insurers things that are important to you. The downside to this is that it can drive up the cost of your nomad insurance plan significantly.

All of this can be managed directly through the incredible PassportCard Nomads app. This includes buying, extending and canceling your plan.

PassportCard Nomads Pros & Cons

Cost Of PassportCard Nomads Insurance

How much does PassportCard Nomads cost?

PassportCard Nomads starts at $119 for Remote and $200 for Comfort.

Remote	Comfort
$119 per month	$200 per month
Renewable for up to 12 months	Renewable forever (unlimited)
Plan Limit: $1,000,000	Plan Limit: $3,500,000
Comprehensive medical travel insurance. Also includes outpatient care and routine checkups.	Comprehensive remote health insurance including things like chronic illness treatment and cancer treatment.

PassportCard Nomads’ pricing tends to be more expensive than some other digital nomad insurance providers. That’s because you don’t pay any deductibles and you have no out-of-pocket expenses.

If you want hassle-free digital nomad insurance that offers excellent coverage and the flexibility to match your lifestyle, you can’t do much better than PassportCard Nomads.

Sign up for PassportCard Nomads here.

Interested in learning more about PassportCard Nomads? Check out our complete PassportCard Nomads Review to see why we think they are the future of digital nomad travel insurance.

6. World Nomads Travel Insurance

World Nomads is another big name in the digital nomad insurance game.

They primarily focused on digital nomads and travelers who enjoy adventure activities.

World Nomads tends to be a little higher in the price for their travel insurance, but they also offer some unique benefits.

They tend to be more expensive because they utilise lots of insurance companies around the world to be able to offer comprehensive insurance plans. While they may not be for the budget digital nomad, World Nomads is great for those who want higher travel insurance coverage.

World Nomads also has an excellent reputation when it comes to insurance claims. Lots of people say the process was smooth and they have excellent customer service.

What’s Included With World Nomads Travel Insurance?

There are two travel insurance policies available through World Nomads:

• Standard plan
• Explorer plan

What’s the difference?

The Standard Plan covers more than 200 sports and activities, is cheaper and has lower coverage limits. The Explorer Plan adds on another 60 activities and sports you are covered for, but you will pay more for it.

This is what World Nomads travel insurance can cover:

• Emergency Accident & Sickness Medical Expenses
• Repatriation of Remains
• Trip Cancellation
• Trip Interruption
• Trip Delay
• Baggage & Personal Effects
• Baggage Delay (outward journey only)
• Rental Car Damage – where permissible
• Accidental Death & Dismemberment
• Generali Global Assistance 24-Hour Assistance Services
• Generali Global Assistance Non-Medical Emergency Transportation Services

If you are on a budget and don’t need the extra sports coverage, the standard plan might be worth checking out. But for adventurous digital nomads, the explorer plan offers more financial coverage for a lot more activities.

Word Nomads Pros & Cons

Cost Of World Nomads Insurance

Word Nomads provides insurance quotes on a person-by-person basis.

For a 32-year from California in the United States, this is what the cost of each plan was for 28 days:

• Standard Plan – $126.65 USD
• Explorer Plan – $226.40 USD

World Nomads tend to be more expensive than other digital nomad insurance companies. But they also provide a more comprehensive coverage, higher max limits and most of their policies don’t have deductibles.

Interested in seeing what World Nomads offers you?

Learn more about World Nomads here.

Want to learn more about World Nomads Insurance? Make sure that you check out our complete World Nomads travel insurance review to learn more.

World Nomads provides travel insurance for travellers 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.

7. Travelex Tavel Insurance

Travelex offers real digital nomad insurance.

What do I mean by that?

Why most providers on the list are mostly focused on medical insurance, Travelex has designed their plans to cover a lot of travel-related expenses.

Think of things like trip cancellation, trip delay, baggage and personal effects. But that doesn’t mean they cheap out on the medical side of things either

You will find good medical insurance inside each of the Travelex insurance plans as well.

Travelex offers three main plans to choose from:

1. Travel Basic – Covers all the essentials and is designed for people on a budget.
2. Travel Select – Ideal for digital nomads and nomad families that want an extra layer of protection.
3. Travel America – Designed for trips that include a visit to the US.

Travel Select is generally the travel insurance plan for digital nomads. It offers a more comprehensive level of insurance with maximum financial coverage.

What’s Included With Travelex Travel Insurance

The travel select plan is one of the most popular travel insurance plans that Travelex offers.

Here’s a list of what a 30-year-old digital nomad from California can have included in their Travelex insurance plan:

• Trip Cancellation – 100% of Insured Trip Cost
• Trip Interruption -150% of Insured Trip Cost
• Trip Interruption (Return Air Only) – $1,000
• License Fee Reimbursement – License Cost
• Trip Delay – $2,000 ($250/day)
• Missed Connection – $750
• Baggage & Personal Effects – $1,000
• Baggage Delay – $200
• Emergency Medical Expense – $50,000 ($500 dental sub-limit)
• Sporting Equipment Delay – $200
• Emergency Medical Evacuation & Repatriation – $500,000
• AD&D – $25,000
• Travel Assistance – Included

The truth is Travelex does cost a bit more. But you also get a solid range of benefits including things like trip interruption, delay and even missed connections.

That’s one of the reasons they have become so popular with US digital nomads.

Travelex also includes a bunch of optional add-ons for the Travel Select plan including Medical Expense Coverage, Adventure Sports, Car Rental Collision Protection and more.

One thing you should keep in mind is the emergency medical expenses. Make sure it provides enough financial coverage for you.

Travelex Pros & Cons

Cost Of Travelex Insurance

You need to get a Travelex quote to see how much the plans cost.

To give you some pricing guide, a 30-year-old US digital nomad from California can expect to pay about $119 for a 1-month trip on the Travel Select plan.

This is on the more expensive side buy it does include a bunch of extra benefits such as trip cancellation and trip interruption which a lot of other digital nomad insurance providers don’t cover.

Travelex also includes a few optional extras starting at as little as $9 per day to cover things like cancel for any reason, adventure sports and car rental collision protection.

Travelex offers a holistic approach to digital nomad insurance. While you will probably end up spending a bit more than other providers on the list, it offers maximum coverage for a whole bunch of things.

Get Your Travelex Quote here.

8. AIG Travel Guard

AIG Travel Guard is a well-known global travel insurance company.

It’s also a flexible and cost-effective insurance that works well for digital nomads.

The Travel Guard Annual Plan could be a great choice for digital nomads who take multiple trips per year (364 days) but return home throughout the year. That’s because each trip coverage is capped at a maximum of 90 days.

Our own digital nomad statistics show there are a number of people who suit this lifestyle.

AIG Travel Guard is ultimately famous for its Pack N’ Go plan, which is ideal for people who like to book last-minute, spontaneous trips. The company has been in business for over 40 years and has a good reputation.

While AIG Travel Gudar is primarily aimed at US citizens and residents, there are a limited number of other countries they will cover.

What’s Included With AIG Travel Guard

For US digital nomads, the Travel Guard Annual Plan may be just what you need.

Here’s an overview of what AIG covers on the Travel Guard Annual Plan:

• Trip Interruption: Up to 100% of Insured Trip Cost
• Trip Delay: Up to $1,500
• Missed Connection: Up to $500
• Baggage Coverage: Up to $2,500
• Baggage Delay: Up to $1,000
• Travel Medical Expense/Dental Expense: Up to $50,000/$500
• Emergency Evacuation and Repatriation of Remains: Up to $500,000
• Accidental Death & Dismemberment: Up to $50,000
• Security Evacuation: Up to $100,000

AIG brings a unique approach to travel insurance. And while it won’t be for everyone, the Annual Plan could work well as digital nomad insurance for specific types of travel.

AIG Travel Guard Pros & Cons

Here is a list of pros and cons to consider before purchasing AIG Travel Guard:

Cost Of AIG Travel Guard

AIG Travel Guard does offer a good level of travel insurance.

The Travel Guard Annual Plan costs $259 for a Californian resident which is actually a really good deal.

But you need to remember that your trips can’t exceed 90 days so it certainly won’t work for all digital nomads.

AIG Travel Guard is a unique offering that can be a good digital nomad insurance option for those taking shorter trips throughout the year. If you are a US citizen or resident who maintains their home base, it might be worth checking out the Annual Plan.

Click here to get your AIG Travel Guard Quote.

9. IMG Global Travel Insurance

IMG Global is a big insurance company.

They are financially strong and have some of the most competitive prices out there for what’s included.

IMG Global is another company with a good reputation for claiming insurance. They have great reviews and offer outstanding customer service.

What Do You Get With IMG Global Travel Insurance?

IMG Global offers flexibility with maximum coverage and deductibles.

But they take it to a whole new level. You can choose the “category” of insurance:

• Travel Medical Insurance
• Travel Insurance

What’s the difference?

Travel insurance coverage just covers the travel part of your trip. It excludes insurance for medical bills and costs while traveling.

Travel medical insurance covers the travel and medical costs that you may incur. For the sake of this blog, I am reviewing the travel medical insurance plans offered by IMG Global.

They have 2 plans for travel medical insurance:

• Patriot International
• Patriot Platinum International

This is what they cover:

IMG Global Travel Insurance	Patriot International	Patriot Platinum International
Maximum Limit	$100,000 with 250 deductible.	$2,000,000 with 250 deductible.
Medical Expenses	Hospital, Room & Nursing Services, Ambulance, Emergency Dental	Hospital, Room & Nursing Services, Ambulance, Emergency Dental
Trip Interuption	Up to $10,000	Up to $10,000
Trip Delay	None	None
Lost Checked Luggage	Up to $50 per item	Up to $50 per item
Lost or Stolen Passport & Visa	Yes	Yes
Natural disasters	Yes	Yes
Political and Emergency Evacuation	Yes	Yes
Personal liability	Yes	Yes
Accidental Death & Dismemberment	Yes	Yes

The truth is the table above doesn’t do justice to what IMG Global covers. They have so many extras that the other companies don’t cover. You’ll need to review it yourself if you want to get the complete picture.

To see a complete list of what IMG Global covers, click here.

IMG Global Pros & Cons

IMG Global Insurance Pricing

IMG Global may offer the most competitive pricing on the list, depending on what you need.

For a 32-year-old male from the United States, this is the cost of each plan for 28 days:

• Patriot International – $31.92 USD

• Patriot Platinum International – $45.08 USD

If you plan to go with IMG Global, Patriot Platinum is a no brainer for me.

You pay just $13 more for the 4 weeks and the maximum coverage is huge. You also get a ton more benefits in your plan.

10. Atlas Travel Insurance

Atlas Travel Insurance by World Trips is really competitive with what they offer.

Where they really shine is flexibility.

While other providers on this list set their plans and prices, you can completely customise your travel insurance plan with Atlas. If you like to customise, you might love Atlas.

What’s Included with Atlas travel insurance?

You can build your travel insurance plan by choosing your:

• Deductible
• Coverage length
• Overall maximum coverage

You also have the option to increase your insurance coverage for a number of key benefits at the time of purchase. Every customization affects the price you have to pay at the end, so you never have to pay for something you don’t want.

Here’s what can be included in Atlas policies:

Atlas Travel Insurance	Atlas International Plan	Atlas International Premium Plan
Maximum Limit	$250,000 with 250 deductible.	$250,000 with 250 deductible.
Medical Expenses	Hospital, Room & Nursing Services, Ambulance, Emergency Dental	Hospital, Room & Nursing Services, Ambulance, Emergency Dental
Trip Interuption	Up to $10,000	Up to $15,000
Trip Delay	Up to $100/day	Up to $100/day
Lost Checked Luggage	Up to $50 per item	Up to $50 per item
Lost or Stolen Passport & Visa	Yes	Yes
Natural disasters	Yes	Yes
Political and Emergency Evacuation	Yes	Yes
Personal liability	Yes	Yes
Accidental Death & Dismemberment	Yes	Yes

For a complete list of what’s covered with Atlas Travel Insurance, click here.

Atlas Travel Insurance Pros & Cons

Atlas Insurance Pricing

Atlas Insurance has really competitive pricing.

For a 32-year-old male from the United States, this is what cost each plan was for 28 days:

• Atlas International Plan – $42.46 USD
• Atlas International Premium Plan – $99.40 USD

But if you were willing to take an overall maximum coverage of just $50,000 and pay a deductible of $5,000 – you could pay as little as $17.08 USD for the month.

I certainly wouldn’t go this low, but they really do allow you to customize your policy!

Our Choice: Best Digital Nomad Insurance

We use SafetyWing.

Here’s why:

They have a good range of coverage options and their simplified subscription model makes it easy.

We don’t have to constantly book new insurance policies or pay a huge fee upfront for an extended trip. We simply get billed every month and can cancel anytime.

But there’s one thing I should mention…

We don’t always use SafteyWing. There are some cases where it makes more sense to use a different insurance company.

For example, if you want to ride a scooter while in Southeast Asia, SafetyWing will only cover you for an accident if you have a proper license. Genki Insurance has told me that they will cover scooter accidents even if you don’t have the proper license.

In this case, we might switch over to Genki for a few months!

As digital nomads, we have lots of flexibility.

My advice is to be smart and buy digital nomad insurance with a company that makes sense for the situation and country you are in. Sometimes that can mean being insured with one company for 1 month and then switching over to another company for the next month.

Generally though, we pretty much just use SafetyWing for convenience and cost.

What Is Digital Nomad Insurance?

Digital nomad insurance protects you against potential losses that may incur while traveling.

The problem is that most travel insurance policies are designed to be in place for a predetermined time. In some cases, you are required to show a return ticket to get the insurance policy itself.

This causes a problem for digital nomads. Why?

Because digital nomads travel continuously.

They usually only return to their home country for smaller periods of time and don’t always know when that will be. Travel insurance for digital nomads needs to be different from traditional travel insurance. Thankfully some insurance companies have created policies that are aimed at digital nomads specifically. These policies don’t stipulate a “return home” date and can usually be purchased outside your home country.

Why You Need Digital Nomad Insurance

This is my opinion:

You can’t afford NOT to have digital nomad travel insurance. Here’s why:

• Accidents can and do happen while traveling
• Emergency medical costs overseas are expensive
• Protect yourself against huge financial losses
• Get reimbursed if something happens to your stuff
• Peace of mind if anything unexpected happens

We buy digital nomad travel insurance to protect against significant expenses that can occur from unforeseen accidents.

If you walk across the road and get hit by a car, the medical expenses can be insane. Even in “cheaper countries”, medical costs can lead to financial ruin.

It’s just not worth the risk.

What To Consider Before Buying Digital Nomad Insurance?

Digital nomad insurance can feel complicated. There are a lot of things that you need to consider.

Here is a quick list of factors we consider before buying digital nomad insurance:

• Policy Pricing Different plans cover different things; typically more coverage costs more. Choose a company and plan that meets your needs without being overly expensive.
• Coverage for Medical Expenses: Ensure the policy covers you for medical emergencies, hospital stays, or any specific health concerns you may have.
• Personal Belongings and Equipment Coverage: As a digital nomad, you’ll likely be carrying expensive electronics like laptops, smartphones and cameras. If you want these insured, make sure your policy covers them for loss, theft, or damage.
• Trip Cancellation or Interruption: Some insurance providers will cover you for costs if you have to cancel or cut short your trip due to unforeseen circumstances.
• Duration of Coverage: As a digital nomad, your travels might last longer than the typical vacation. The best digital nomad insurance providers offer insurance on a subscription.
• Activity Coverage: If you’re planning on doing specific activities like scuba diving or mountain climbing, make sure these are covered by your policy.
• Deductible Costs: Most digital nomad travel insurance companies have a deductible (or excess) you have to pay before the benefits kick in. Make sure you are happy with the deductible in your policy.
• Insurance Claims & Time: Insurance companies may take time to pay claims ( Anywhere from 1 to 9 months). Read this section carefully and ask for clarifications via email for written proof.
• Pre-existing Conditions: Most travel insurance companies don’t cover pre-existing conditions; some cover acute pre-existing conditions. Don’t assume coverage, double-check the policy.

These are just a few things that we always keep in mind when looking at any digital nomad insurance provider.

Remember: It is crucial to read the fine print carefully to understand what is covered and what isn’t before deciding on a policy.

Digital Nomad Travel Insurance vs Digital Nomad Health Insurance

Let me be clear:

There is a big difference between health insurance vs travel insurance – especially for digital nomads.

They are different types of coverage that apply to different situations. Here’s a brief overview of both.

Travel Insurance:

Focuses on issues you might encounter when traveling. This includes things like:

• Lost baggage
• Getting robbed
• Accidents that occur while you are traveling
• Emergency medical treatment

And more. But the thing to remember is that all of the insurance relates specifically to the trip you are on.

Health Insurance:

Health insurance relates to medical issues and health-related needs you have while in your home country. This can include:

• Medical emergencies
• Pre-existing conditions
• Maternity and baby care
• Treatment for ongoing serious health conditions

Usually your health insurance only covers you while in your home country. That’s why you may still need digital nomad travel insurance even if you have health insurance back home.

Wrapping It Up

The digital nomad movement has become so big that travel insurance companies have designed policies just for us.

And you aren’t even limited to just one digital nomad insurance provider. More and more companies are adding digital nomad insurance to their list of policies every day.

Not sure which is the best digital nomad travel insurance?

Check out SafetyWing first. You get good value for money and the flexibility you need as you travel from location to location. If you just want great medical coverage then Genki Insurance could also be a good option.

If your looking for something a little more comprehensive but won’t back the then Heymondo is also worth taking a look at.

Just make sure you check their policy inclusions to ensure it’s right for you!

Want a higher level of coverage?

Health insurance might be what you need. Check out our comprehensive review of the best digital nomad health insurance.

Frequently Asked Questions

What is digital nomad insurance?

Digital nomad insurance are insurance policies designed for digital nomads. Digital nomad insurance is flexible, offering the benefits you need and allowing you to continuously travel without booking a return ticket to your home country.

What is the best travel insurance for digital nomads?

The best travel insurance for digital nomads is SafetyWing. They offer good benefits within their policies and you don’t have to set a specific policy time. You pay a fixed fee for 28 days and the subscription automatically renews.

How much does Nomad insurance cost?

Digital nomad insurance typically costs between $40 and $125 per month depending on the company and policy you choose. The more you pay usually means the better the coverage – but not always. The most important thing is that your nomad insurance covers what you need and is flexible enough for your lifestyle.

DISCLAIMER:

The information provided above is only a summary of the cover offered by some travel insurance companies and is general in nature. It is important to understand that this summary is not a recommendation to purchase. All coverage, including benefit limits, mentioned varies depending on a person’s country of residence and is subject to terms, conditions, limitations and exclusions. Ensure you always refer to the policy wording, which can be found at each provider’s site.