Best Travel Insurance for Expats & Digital Nomads (2025)
Choosing the right travel insurance can save you thousands. Here is how the top providers compare for long-term travelers.
Last updated: 2025-01-15
| Provider | Best For | Coverage | Price Range | Rating |
|---|---|---|---|---|
| SafetyWing | Digital nomads & long-term travelers | Medical, travel delay, lost luggage | From ~$45/month | 4.5/5 |
| World Nomads | Adventure travelers & short trips | Medical, adventure sports, gear | Varies by trip | 4.3/5 |
SafetyWing Nomad Insurance
SafetyWing was built specifically for digital nomads and remote workers. Their Nomad Insurance product works as a subscription — you pay monthly and can cancel anytime. This makes it ideal for travelers without fixed plans.
- Monthly subscription model — no need to know your exact travel dates
- Covers you in 185+ countries (including limited US coverage)
- Can sign up even if you have already left your home country
- Includes coverage for COVID-19 as a novel epidemic
- Deductible of $250 per injury/illness
Limitations: SafetyWing is not a replacement for full health insurance. It has coverage caps (e.g., $250,000 per injury/illness) and does not cover pre-existing conditions. Dental and vision are not included. For comprehensive health insurance abroad, consider their Remote Health product instead.
Check SafetyWing pricing (affiliate link)World Nomads
World Nomads is one of the most recognized names in travel insurance, popular with backpackers and adventure travelers. They offer two plan tiers — Standard and Explorer — with the Explorer plan covering a wider range of adventure activities.
- Covers 200+ adventure sports and activities (Explorer plan)
- Available to residents of 150+ countries
- Can purchase and extend while already traveling
- Trip cancellation and interruption coverage included
- 24/7 emergency assistance
Limitations: World Nomads tends to be more expensive than SafetyWing for long trips. It is designed for trip-based coverage rather than ongoing nomad life. Claims processing can sometimes be slow according to user reviews.
Get a World Nomads quote (affiliate link)The Bottom Line
For most digital nomads and long-term travelers, SafetyWing offers the best balance of affordability and convenience thanks to its monthly subscription model. If you are planning a shorter adventure trip with specific activities, World Nomads may offer better coverage for your needs. Whichever you choose, having some form of travel insurance is far better than traveling uninsured.
Frequently Asked Questions
Do I need travel insurance as a digital nomad?
Yes. Most countries require proof of health coverage for long-stay visas, and standard domestic health insurance rarely covers you abroad. Even without a visa requirement, a single hospital visit overseas can cost thousands of dollars out of pocket.
What is the difference between travel insurance and expat health insurance?
Travel insurance is designed for shorter trips and typically covers trip cancellations, lost luggage, and emergency medical care. Expat health insurance (like SafetyWing Nomad Insurance) is built for people living abroad long-term and offers ongoing monthly coverage, often including routine care.
Can I buy travel insurance after I have already left my home country?
It depends on the provider. SafetyWing allows you to sign up from anywhere in the world, even after your trip has started. World Nomads also lets you buy or extend coverage while traveling. Always check the specific terms before purchasing.
Does travel insurance cover pre-existing conditions?
Most travel insurance policies exclude pre-existing conditions or offer limited coverage. Some providers offer add-ons or waiting periods after which certain conditions may be covered. Always read the policy details carefully and disclose any conditions during signup.
How much does travel insurance for digital nomads typically cost?
Costs vary widely based on age, destination, and coverage level. Budget options start around $40-70/month for basic coverage. Comprehensive plans with higher limits can run $100-200+/month. Compare quotes from multiple providers for your specific situation.