The digital nomad lifestyle isn’t slowing down – it’s accelerating. With remote work now firmly mainstream, millions of professionals are choosing to work remotely from Bali cafés, Lisbon co-working hubs, Bangkok, Da Nang in Vietnam, and Mexico City apartments instead of traditional offices. Industry estimates suggest there are now 35+ million digital nomads worldwide, and the number keeps climbing each year.
But while the lifestyle looks effortless on Instagram, experienced nomads know the reality: one hospital visit abroad, a stolen laptop, or a cancelled long-haul flight can quickly turn a dream trip into an expensive headache.
That’s why travel insurance has quietly become one of the non-negotiables of modern remote work. Unlike traditional holiday cover, digital nomads need policies that work across multiple countries, protect expensive gear, and provide serious medical coverage for long stays abroad.
The good news is that insurers have finally caught up with the trend. In 2026, several providers now offer nomad-friendly plans with monthly billing, high medical limits, electronics protection, and flexible trip lengths designed specifically for location-independent workers.
Below, we break down six of the best travel insurance options for digital nomads this year — and explain which type of remote worker each plan suits best.
Best Travel Insurance for Digital Nomads (2026)
As a digital nomad, you have unique requirements to consider when looking for travel insurance. Annual multi-trip policies are a good starting point, giving you ongoing coverage as you hop from place to place.
With so many policies out there, we recommend six travel insurance options for digital nomads in 2026 and explain why they could work well for you on your upcoming travels.
1. World Nomads: Still Number One for Digital Nomads
- Price on request
World Nomads started as an independent travel blog in 1997 but is now the go-to insurance provider for many remote workers and independent travelers.
Four plans are offered: Standard, Explorer, Epic, and Annual. The Annual plan is best suited to digital nomads as it’s valid all year. One important caveat is that the maximum length of one trip is 45 days, but there’s no limit on the number of trips you take within a calendar year – ideal for the nomadic lifestyle.
It includes $5,000 in trip cancellation coverage, $100,000 in medical and evacuation coverage, 250+ adventure activities, and $5,000 in trip interruption coverage. World Nomads doesn’t list a starting price for its policies, but you can request a free quote for an immediate figure after completing a simple online form.
Where World Nomads truly excels is its customer support. The phone lines are staffed 24/7, 365 days per year, and you can contact the helpdesk from wherever you are in the world.
The quality of World Nomads’ customer care shines through when you read their independent reviews, evidenced by the company’s excellent 4.3/5.0 score on Trustpilot.
| ⭐️Trustpilot Rating | 4.3/5.0 (5,715+ reviews) |
“Amazing staff. I got my travel insurance with World Nomads and am delighted with it, most importantly, the customer support. I had some changes to my plan, and the staff could not have been more helpful. Lauren, Niamh, and Kasey were friendly, understanding, and very quick to respond.” Laura Kingston, IE – Trustpilot
SafetyWing: Nomad Policies Specific for Remote Workers
- From $56.28 per month for the Essential package
While World Nomads caters to all travelers, SafetyWing was set up specifically for remote workers. It was launched in 2017 after its founders, Sondre Rasch, Sarah Beyathe Sandnes, and Hans Nyvold Kjellby, agreed that remote worker insurance was too hard to come by.
Today, SafetyWing offers two solid options for digital nomads: the Essential plan and the Complete package.
Essential is much like conventional, short-trip travel insurance, but it’s offered in four-week intervals. For people aged 10-39, it starts at $56.28 per month and includes electronics theft (for a small additional premium), which is a big draw for digital nomads in some parts of the world.
The maximum SafetyWing will pay out for medical claims under the Essential package is $250,000, which should be more than enough in digital nomad hotspots across Southeast Asia, South America, and Africa.
If you’re looking for something more comprehensive, SafetyWing’s Complete package is a 12-month plan, starting at $161.50 per month for nomads aged 18-39.
Medical coverage increases to $1,500,000, and maternity care, psychological visits, wellness therapies, and stolen belongings are all covered.
If you pay annually for the Complete plan, you’re eligible for a 10% discount.
| ⭐️Trustpilot Rating | 4.2/5.0 (2,960+ reviews) |
“Dental emergency. I had a dental emergency while traveling, and I am so glad I had SafetyWing. The process was straightforward to use from start to finish. I submitted my claim online and was surprised by how fast the reimbursement came through.” Artur, USA – Trustpilot
World Trips Nomad Health Insurance: $0 Deductibles on Plans
- From $51.80 per week for the Nomad plan
If you’re looking for digital nomad insurance with a $0 deductible, the Nomad health insurance package by World Trips is worth considering.
The Nomad plan starts at $51.80 for a four-week trip for people up to 39 years old, and coverage is offered for up to one year per plan. If you’re a digital nomad in the United States, the premium starts at $101.08 per month.
You can pay in full up front or opt for monthly payments. The maximum benefit the plan covers is $250,000, which aligns with SafetyWing’s Essential plan.
Like World Nomads, World Trips is a long-standing travel insurance provider, established in 1998. If it’s important to you, World Trips is a US-based company, headquartered in Carmel, Indiana.
| ⭐️Trustpilot Rating | 4.4/5.0 (2,040+ reviews) |
“Trip cancellation. I had to cancel my trip 48 hours before departing due to illness. My money was refunded with no hassle. Outstanding customer service!” MW, USA – Trustpilot.
Heymondo: Excellent Annual Multi-Trip Travel Insurance
- Price on request
Similar to World Nomads and SafetyWing, Heymondo offers an annual multi-trip policy that’s popular with remote workers. You can take as many trips as you like within one year, but each trip can be no longer than 36 days.
This is nine days shorter than the maximum trip permitted by World Nomads’ annual policy, so it’s only really suitable if you’re a nomad who doesn’t spend more than one month in each place.
Emergency medical expenses are covered up to $100,000, and you’re eligible for up to $500,000 if a medical evacuation is required. Helpfully for digital nomads, specialty items, including electronics, are covered up to $1,000.
The policy is valid in every country, but you must be a US resident aged 0-69 to purchase. If you need assistance while abroad, you can contact the help desk by phone or open the live chat for instant support.
| ⭐️Trustpilot Rating | 4.0/5.0 (3,090+ reviews) |
“Used Heymondo twice. We have used Heymondo twice to obtain travel insurance. It’s reasonable, there are several coverage options available, and it’s very easy to sign up. Responsive customer service when I had a question.” Carleen, CA – Trustpilot.
Insured Nomads: Best for Bespoke Travel Requirements
- Price on request
Insured Nomads provides bespoke travel insurance for unique situations. For instance, if you’re a journalist or reporter traveling to a warzone such as Ukraine, Sudan, or Afghanistan, Insured Nomads offers comprehensive coverage.
You’ll also find an Insured Nomads plan if you’re traveling as a group. You can use this as a family, a group of friends, or even for your company, if you’re a digital nomad traveling with colleagues.
Other bespoke options offered by Insured Nomads include cruise insurance and adventure sports packages, which are handy when planning your next vacation.
A massive perk of Insured Nomads insurance is the InstaPass feature. If your flight is delayed by two hours or more, you’re eligible for complimentary lounge access, which beats sitting around in the terminal.
| ⭐️Trustpilot Rating | 3.7/5.0 (190+ reviews) |
“Repeat customer. Have been a repeat customer of Insured Nomads. They have a straightforward, no-nonsense platform for selecting the right coverage, seeing exactly what you’re entitled to, and going through the process of purchasing a premium.” Scott, AU – Trustpilot.
Freely: Superb Safety App with Travel Insurance
- Price on request
Freely’s policies are underwritten by Zurich, one of the biggest insurers in the world, so you’re in safe hands.
The main reason to choose Freely over the other policies introduced above is due to its excellent app. You can do everything on your mobile device, from checking the terms of your policy to submitting a claim while on the road.
You can also connect with Freely’s agents between 8.00 am and 7.00 pm CT from Monday to Friday, should you have any issues while abroad. Another impressive aspect of the app is its built-in safety features.
The app has an SOS feature that provides geo-specific warnings and updates relevant to the place you’re visiting.
The Freely Essentials plan is ideal for digital nomads, offering $500,000 in medical coverage and up to $1,000,000 in emergency evacuation and repatriation benefits. You can easily add optional extras to your plan depending on your travels, including rental car damage and adventure sports.
| ⭐️Trustpilot Rating | 4.3/5.0 (245+ reviews) |
“Good service. Travel insurance is good value for money. I had an accident on my trip. Claiming my hospitalisation was straightforward with my Freely travel insurance. I had a receipt from the hospital and doctor, and they paid the bill. I would buy this insurance again.” Caitlyn Cooke, AU – Trustpilot.
What’s the Best Travel Insurance for Digital Nomads?
These six companies offer comprehensive and affordable insurance plans for remote workers and digital nomads. Still can’t decide which is best for you? Use the table below to help you decide:
| Insurance Provider | Why Choose? |
| World Nomads | Trusted global provider with adventure coverage and strong 24/7 emergency support worldwide. |
| SafetyWing | Built specifically for digital nomads with affordable monthly plans and high medical limits. |
| WorldTrips | Flexible nomad plans featuring $0 deductible options and solid, affordable medical coverage. |
| Heymondo | Excellent annual multi-trip insurance with electronics protection and responsive live chat support. |
| Insured Nomads | Bespoke insurance for high-risk destinations, groups, and unique remote travel requirements. |
| Freely | Feature-rich safety app with SOS alerts, easy claims, and strong evacuation coverage. |
The Essential Nomad “Safety & Compliance” Checklist
- Fireproof Document Folder: A slim pouch for your physical passport, visa papers, and insurance certificates. See all essential gadgets and accessories you may need.
- World Nomads: Best for adventure-seekers with 250+ activities covered.
- SafetyWing: Best for long-term travelers with flexible monthly subscriptions.
- WorldTrips: Best for those seeking $0 deductible health-focused plans.
- Heymondo: Best for multi-trip travelers who need high-value electronics coverage.
- Insured Nomads: Best for “high-risk” zones and unique group travel needs.
- Freely: Best for tech-savvy nomads who want “SOS” alerts and app-based claims.
- VPN Subscription: (e.g., NordVPN or ExpressVPN) Essential for secure banking and work-related data protection on public Wi-Fi. See our list of the best VPNs and WiFi services.
- Global eSIM: (e.g., Airalo or Holafly) Ensures you have data the second you land to access your insurance app or emergency contacts. Here is our list of the best eSIM cards and services.
- Portable SSD: To back up your critical work documents and policy PDFs offline.
Digital Nomad Visa Insurance Compliance (2026)
Searching for reliable digital nomad travel insurance? Discover the best plans for remote workers in 2026, with flexible global cover and strong medical protection.
| Destination | Minimum Coverage Required | Key Insurance Condition | Best Provider Fit |
| Spain | €30,000+ | Must be “Sin Copago” (No co-pay/deductibles) and cover all risks. | WorldTrips ($0 Deductible) or SafetyWing Complete |
| Portugal (D8) | €30,000+ | Must cover the first 4 months minimum; travel insurance is often rejected for residency. | SafetyWing Complete or Heymondo (Annual) |
| Italy | €30,000+ | Must include hospitalization, repatriation, and “ordinary” medical care (not just emergencies). | Insured Nomads or World Nomads |
| Greece | €30,000+ | Must be from a provider authorized in Greece; must cover the full visa duration. | Genki or SafetyWing |
5 Essential Items for Your “Insurance-Ready” Kit
When applying for a visa or traveling long-term, these small additions ensure you aren’t caught off guard by red tape or emergencies:
Backup “Cloud” Folder: Store a “Read-Only” folder on Google Drive or Dropbox containing your passport scan, visa, and insurance policy, shared with an emergency contact back home.
Laminated Insurance Card: While most apps provide digital cards, having a physical, waterproof card with your policy number and the “Emergency Assistance” phone number is vital if your phone dies or is stolen.
Apostilled Policy Summary: For Spanish or Portuguese visas, you may need an official summary of your benefits translated into the local language.
“Letter of Experience”: Some insurers (like SafetyWing) can provide a specific “Visa Letter” that explicitly states you have $0 deductible and repatriation coverage to satisfy embassy requirements.
Emergency Cash Stash ($200-$500): Even with “cashless” insurance, some small-town clinics in places like Bali or rural Greece may require upfront payment before they even look at your policy.
Does my U.S. health insurance cover me while I’m traveling?
Usually, no. Most domestic U.S. health plans offer zero or extremely limited coverage outside the country. Even “international” extensions often only cover life-threatening emergencies and won’t pay for medical evacuation or repatriation, which can cost over $100,000.
What is the difference between “Travel Insurance” and “Nomad Health Insurance”?
Travel insurance (like World Nomads) focuses on “trip” issues: cancellations, lost luggage, and emergency accidents. Nomad Health Insurance (like SafetyWing or Genki) acts more like a primary health plan, covering routine visits, dental, and long-term stays, often with a monthly subscription model.
Choosing the right insurance isn’t just about your health—in 2026, it’s often a legal requirement for your residency. Many popular digital nomad destinations now require “Full Health Insurance” rather than just “Travel Insurance” to approve your visa.
5 Essential Items for Your “Insurance-Ready” Kit
When applying for a visa or traveling long-term, these small additions ensure you aren’t caught off guard by red tape or emergencies:
- Laminated Insurance Card: While most apps provide digital cards, having a physical, waterproof card with your policy number and the “Emergency Assistance” phone number is vital if your phone dies or is stolen.
- Apostilled Policy Summary: For Spanish or Portuguese visas, you may need an official summary of your benefits translated into the local language.
- “Letter of Experience”: Some insurers (like SafetyWing) can provide a specific “Visa Letter” that explicitly states you have $0 deductible and repatriation coverage to satisfy embassy requirements.
- Emergency Cash Stash ($200-$500): Even with “cashless” insurance, some small-town clinics in places like Bali or rural Greece may require upfront payment before they even look at your policy.
- Backup “Cloud” Folder: Store a “Read-Only” folder on Google Drive or Dropbox containing your passport scan, visa, and insurance policy, shared with an emergency contact back home.
Digital Nomad Insurance FAQs
Can I use basic travel insurance for a Digital Nomad Visa?
Generally, no. Most consulates (especially in the EU) require Long-Stay Health Insurance. Basic travel insurance often only covers “emergency” stabilization and then flies you home. For a visa, they want to see that you can access local doctors for routine care and diagnostics without becoming a burden on their public system.
What does “Repatriation of Remains” mean in a policy?
It’s a grim but necessary clause. It covers the logistical and financial costs (which can exceed $15,000) of transporting your body back to your home country in the event of death. Most nomad visas strictly require this to be included in your policy.
Will my insurance cover me if I move to a second country?
Most nomad-specific policies (like SafetyWing or World Nomads) are global. However, you must check if your “Home Country” is excluded. Also, most policies have a “Primary Destination” clause—if you spend 90% of your time in one country, you might need to switch to a local expat plan.
Are high-risk sports like scuba diving or motorcycling covered?
Standard policies usually exclude “extreme” activities. If you plan to ride a scooter in Thailand or dive in Greece, you must add an Adventure Sports Rider. Note: Most motorcycle coverage is only valid if you have a legal license in both your home country and the country you are visiting.
Will my insurance cover my laptop and camera if they are stolen?
It depends on the plan. Standard medical-focused plans often exclude high-value electronics. To cover your gear, you usually need an “Electronics” or “Gadget” add-on. For example, Heymondo and SafetyWing offer specific tech protection, but always check the per-item limit.
Do I need proof of insurance to get a Digital Nomad Visa?
Yes. Most of the 70+ countries currently offering Digital Nomad Visas (like Spain, Portugal, and the UAE) require proof of health insurance that meets specific minimums—often €30,000 or more in medical coverage—for the entire duration of your stay.
Can I buy insurance if I am already abroad?
Most traditional insurers require you to buy a policy before you leave home. However, nomad-specific providers like SafetyWing, World Nomads, and Freely allow you to start coverage while you are already on the road, though a 48-to-72-hour waiting period usually applies.
