The Finest Well being Insurance coverage for Digital Nomads

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

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

However, as I’ve mentioned earlier than, when an emergency strikes, it’s higher to be protected than sorry.

Whether or not you’re touring for 2 weeks or two months, shopping for journey insurance coverage is a should.

However 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 prescribed drugs, in addition to for damaged limbs and misplaced baggage.

Enter Nomad Health.

Created by SafetyWing, Nomad Well being is world medical insurance protection for distant staff, expats, and nomads.

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

Right here’s every thing you must learn about Nomad Well being to determine if it’s best for you and your journey plans.

What’s Nomad Well being?

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

It’s a reproduction of the sort of medical insurance you may discover in your house nation, making certain that you just’re sorted it doesn’t matter what occurs.

Presently, there are two tiers: Customary and Premium. The primary variations (as you may see within the picture beneath) is that Premium gives better 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’ll be able to study extra and examine the plans here.

How is Nomad Well being Totally different from Common SafetyWing Protection?

A screenshot from Nomad Health by SafetyWing insurance
Journey insurance coverage needs to be regarded as “emergency insurance coverage.” For those who break a leg or lose a bag or get caught in a hurricane, journey insurance coverage might help.

Nomad Well being, nonetheless, covers each emergencies and common medical care. Meaning you may get help — and get reimbursed — for emergency and non-emergency occasions.

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

  • Nomad Heath covers these as much as age 74 (vs. 69 for Nomad Insurance coverage)
  • There is no such thing as a deductible with Nomad Well being (it’s $250 USD with Nomad Insurance coverage)
  • Claims are dealt with in 10 days (as a substitute of 45 with Nomad Insurance coverage)
  • Protection for one’s dwelling nation is included (that prices further with Nomad Insurance coverage)

One other essential distinction is that, in contrast to for normal journey insurance coverage, Nomad Well being candidates must be accredited. You’ll be able to’t simply purchase a plan and be in your merry means, because the insurance coverage workforce must overview your utility, together with any medical historical past and/or pre-existing circumstances. They might additionally request extra medical notes or paperwork.

Moreover, pre-existing circumstances might not be coated, and there are some candidates that won’t have the ability to be coated. (Pre-existing circumstances are not often coated beneath common journey insurance coverage.)

I don’t love that some individuals are more likely 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 are going to open it as much as increasingly more folks.

Who’s Nomad Well being For?

For those who’re heading out on a visit for a couple of weeks or a couple of months, Nomad Well being isn’t for you. Common journey insurance coverage (like SafetyWing’s Nomad Insurance) will greater than suffice.

However for those who’re going to be away for a yr or extra and need to be sure you have appropriate well being protection for each accidents and routine care, then Nomad Well being is for you.

Briefly, for those who’re a digital nomad, expat, or long-term traveler, that is the plan I’d suggest for you. Right here’s a have a look at what is roofed:

A screenshot from Nomad Health by SafetyWing insurance

An important quantity right here is that $1,500,000 USD. Vacationers utilizing Nomad Well being get $1.5 million in protection every year, which is greater than sufficient for just about something. Most traditional journey insurance policy cowl only a couple hundred thousand {dollars}, in order that $1.5 million casts a large security web and goes a great distance to make sure you’re coated it doesn’t matter what occurs.

How A lot is Nomad Well being?

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

Costs go up per age group (identical to with any insurance coverage), so the best month-to-month charge is for vacationers aged 60-74, which prices $537 USD per thirty days for the Customary Plan. Once more, whereas that looks like quite a bit, 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 here to get a free quote.


After I began backpacking, journey insurance coverage choices have been restricted. And costly. Thankfully, we have now much more choices lately — with quite a bit 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 sort of plan I’d get. It covers the fundamentals in addition to emergencies, and can be tremendous inexpensive.

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

Don’t be low cost along with your well being. Keep coated and keep protected. You received’t remorse it.

Guide Your Journey: Logistical Suggestions and Tips

Guide Your Flight
Discover a low cost 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 all the time know no stone is being left unturned.

Guide Your Lodging
You’ll be able to ebook 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 lodges.

Don’t Neglect Journey Insurance coverage
Journey insurance coverage is one factor you WILL need to purchase. It’s there for those who 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 may occur. Don’t skip it. I’ve seen too many vacationers remorse doing so. My favourite corporations are:

Wish to Journey for Free?
Journey bank cards let you earn factors that may be redeemed free of charge flights and lodging — all with none further spending. Take a look at my information to choosing the right card to get began. For US residents, right here’s how one can get factors on hire too.

Able to Guide Your Journey?
Take a look at my useful resource web page for the perfect corporations to make use of if you journey. I listing all those I take advantage of once I journey. They’re the perfect at school and you may’t go improper utilizing them in your journey.