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9 Best Nomad Travel Insurance Options

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Table of Contents

1. World Nomads

2. safetywing, 3. atlas travel insurance, 4. allianz global assistance, 5. insured nomads, 6. img global, 7. heymondo, 8. travelex insurance, 9. aig travel guard, nomad travel insurance recapped.

Travel insurance can safeguard your nonrefundable reservations and reimburse you for any unexpected emergency medical costs that you incur while traveling. However, the travel health insurance needs of those taking several short vacations per year will vary from those of digital nomads, who may spend significant portions of the year living and working from abroad.

Digital nomads may also return home less often, travel with equipment (e.g., laptop, camera, etc.), participate in adventurous activities and want access to health insurance, especially if they don’t have that coverage back home.

Given the prevalence of remote work and increasing options to live and work from abroad, here you'll find some of the most popular nomad travel insurance options .

World Nomads is a travel insurance provider that offers coverage for residents of many countries and also allows you to extend your coverage mid-trip. It is underwritten by Nationwide Insurance. Regardless of which plan you choose, the health insurance limits are fairly good.

Importantly, the provider does not have a pandemic exclusion, so COVID-related claims are covered. However, World Nomads specifically states that fear of travel is not a valid reason for trip cancellation. So if you’d like the option to cancel a trip at your discretion, you’ll want to consider plans that offer Cancel For Any Reason coverage .

There are two trip insurance policies available from World Nomads: Standard and Explorer. The Standard Plan has lower coverage limits and includes more than 200 sports (including some adventure sports), while the Explorer Plan adds on 60 other activities and sports, including more dangerous ones such as shark cage diving, skydiving and paragliding.

The inclusion of athletic activities in both World Nomads plans is unique, since most traditional travel insurance plans exclude them.

Here's a list of what's included with World of Nomads coverage:

Trip cancellation, interruption and delay.

Emergency healthcare coverage, evacuation, repatriation and 24-hour assistance services.

Accidental death and dismemberment.

Nonmedical emergency transportation.

Baggage delay and loss.

Rental car damage (Explorer Plan only).

Adventure sports and activities.

And here are a few items of note that are excluded (not a comprehensive list):

Pre-existing conditions.

Self-harm or accidents occurring while intoxicated.

Finally, coverage can’t exceed 180 days, so if you’re traveling abroad longer than that, you’d have to renew your plan once the current coverage period ends.

To see how World Nomads compares to other travel health insurance providers, we considered a sample 180-day trip to multiple countries by a 30-year-old resident of Colorado.

Due to the lower limits and less coverage for adventure activities, the World Nomads Standard Plan is priced at $549, which is meaningfully cheaper than the $788 Explorer Plan.

It's important to note that if your nonrefundable prepaid trip costs are more than $2,500, the Standard Plan will cover you only up to $2,500 on trip cancellation. In this case, you’d want to consider the pricier Explorer Plan, which provides coverage up to $10,000 on trip cancellation. Notably, emergency accident & medical coverage is $100,000 on both plans, which offers a lot of assurance, especially if you’re abroad for a long time.

The most significant advantage of World Nomads is coverage for adventure activities. In this case, assessing the suitability of the plan has more to do with the type of coverage you’re looking for than price. Because of the multitude of advantages of World Nomads plans over various providers, we've named World Nomads as one of the best travel insurance companies out there. Check out our full rationale here: Best Travel Insurance Right Now .

SafetyWing is another popular digital nomad travel health insurance option that also offers COVID coverage. You can purchase your policy while you’re abroad, which makes it easy for those who are already traveling and decide to get insurance coverage mid-trip.

Unless you are a resident of North Korea, Cuba or Iran, you can purchase a SafetyWing policy. The default length of coverage is 28 days, and the policy will continue to renew unless canceled (maximum policy length is 364 days).

SafetyWing also provides U.S. citizens with incidental coverage in the U.S. for up to 15 days out of every 90 days. Despite the U.S. coverage, SafetyWing is meant to provide medical and travel insurance coverage while you’re abroad; it does not meet the health insurance requirement under the Affordable Care Act.

Trip interruption and delay.

Emergency medical and dental expenses.

Emergency medical evacuation, repatriation of remains and accidental death.

Lost checked luggage and lost visa/travel documents.

Return of minor children and pets.

Political evacuation and border entry protection.

Excluded (not a comprehensive list):

Mental health disorders.

Intentional acts or damages sustained under the influence of drugs or alcohol.

The cost of a SafetyWing policy is based on your age and whether you’d like health insurance coverage while you’re in the U.S. For example, a four-week policy for someone aged 18 to 39 years old who doesn’t need health insurance coverage in the U.S. will cost $45. If you would like coverage while in the U.S., the policy cost jumps to $83.

A 180-day coverage comes out to $290 for a traveler between ages 10 and 39, but increases to $536 if you want to add on U.S. coverage. A deductible of $250 applies every time you start or renew a policy.

Overall, the options to purchase a plan mid-trip and receive health insurance coverage while in the U.S. are some of the main benefits of a SafetyWing policy.

Atlas Travel Insurance offers health insurance plans for digital nomads and long-term travelers looking for medical coverage (including for COVID-19) and some supplemental trip benefits (e.g., trip interruption). When selecting a policy, you’ll need to specify if you’d like to include the U.S. within your coverage area. Coverage limits decrease with age, and the plans offer varying levels of deductibles.

Medical expenses and emergency dental.

Emergency medical and political evacuation.

Trip interruption; travel delay.

Lost checked luggage and stolen visa/passport.

Natural disaster and border entry protections.

Repatriation of remains; accidental death and dismemberment.

Many adventure sports.

Various diseases including cancer.

Self-inflicted injuries and those arising when under the influence of drugs or alcohol.

To compare these plans, we used the same parameters as the preceding example: a 180-day trip by a 30-year-old. Atlas offers two options to digital nomads: Atlas International and Atlas International Premium, which cost $274 and $682, respectively.

The main difference between these two Atlas plans is that the Premium option offers higher coverage limits.

It's also possible to customize the overall maximum limit and the deductible on both policies, so if you don’t want to go with the more Atlas International Premium plan, you can up the limits or change the deductible on the Atlas International plan.

Allianz Global Assistance offers affordable coverage for annual or multi-trip travel. It’s more cost-effective than purchasing coverage for separate trips individually. Allianz’s multi-trip policy covers trips up to 45 days in length.

Allianz is best for travelers who take multiple trips per year from their home base and not those who travel overseas for an extended period of time.

Covered illness.

Missed or delayed departures.

Baggage loss or delays.

A tropical storm (before it’s named).

Loss of passport.

Unforeseen pregnancy complications.

Losses that arise from foreseeable events.

War or civil unrest.

Participating in extreme or high-risk sports.

Flying an aircraft as pilot or crew.

Terrorist events.

Allianz plans limit or exclude coverage related to COVID-19 or resulting from Russia’s invasion of Ukraine.

Allianz Global Assistance offers a few annual plan options to digital nomads. The plans last a full year, so keep that in mind when comparing costs with other nomad insurance providers. The plans are Basic, Prime and Executive, quoting $138, $280 and $510 per year, respectively.

The Basic insurance plan from Allianz is designed for medical emergencies and provides some travel coverage, but it doesn’t provide any trip cancellation or trip interruption coverage.

The Prime plan provides affordable trip protection and medical coverage abroad.

The Executive plan is designed for business travelers by providing higher coverage limits and rental car damage and equipment rentals. The Executive plan covers personal vacations in addition to business trips .

It's also possible to sign up for a Premier plan, which lasts up to 365 days but covers up to 90 days of consecutive travel.

Insured Nomads provides medical coverage, travel insurance and trip cancellation to digital nomads, remote workers and expats.

Insured Nomads offers four plans, and they all have their own function. For example, the World Explorer plan provides coverage for a single trip lasting between seven and 364 days away from home, and the World Explorer Multi offers coverage for multiple trips within a single year. Plans are available to citizens of any country, not just the U.S.

Depending on the plan, you’ll have the option to add adventure sports, pet insurance, accidental death and dismemberment and car rental insurance for an extra fee.

Medical benefits, including 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.

Airport lounge access for delayed flights.

Lost luggage.

War and terrorism.

Public health emergencies or natural disasters in countries deemed Level 4 by the U.S. Department of State.

Illegal acts.

Injuries sustained while under the influence of drugs or alcohol.

Extreme sports (unless an add-on was purchased).

The quote for a traveler between the ages of 30 and 39 looking to travel to Mexico for six months with the World Explorer plan costs $679. This plan has a medical benefit limit of $250,000 and a deductible of $100. Increasing the medical benefit maximum to $1,000,000 increases the premium to $830, and that’s without any of the additional benefits, such as adventure sports or marine activities.

» Learn more: How to find the best travel insurance

IMG Global offers an insurance plan just for expats and citizens of the world called Global Medical Insurance. It’s a medical-only plan that doesn’t offer trip protection, but offers medical coverage worldwide.

Several tiers of Global medical insurance from IMG Global are available: Bronze, Silver, Gold and Platinum. The more expensive the plan, the lower the deductible and the higher the policy maximum.

The following expat insurance rates are for a 30-year-old traveler whose primary travel destination is Spain.

The deductible amounts can be adjusted in every plan above to reduce the monthly payment. Additionally, the total coverage cost for the year can be reduced with an annual payment. An optional dental and vision rider is available for the policy you pick.

Undoubtedly, the cost is on the high end, but it does come with some noticeable extras, such as COVID-19 coverage , telemedicine and mental health professional counseling, that most travel insurance providers don’t cover.

It’s possible to purchase a World Explorer policy after you’ve left on your trip, and you can extend coverage by up to six months beyond the initial policy purchase.

In addition to the Global Medical Insurance, IMG Global offers the following plans to long-term travelers:

The Global Employer Option: Medical coverage for internationally assigned employees.

International Marine Medical Insurance: Health insurance for long-term (longer than one year) marine crew.

MP+ International: Group travel insurance for mission groups.

Heymondo offers comprehensive travel insurance plans to short-term and long-term travelers. Digital nomads and expats can purchase a Long Stay plan for trips longer than 90 days. The initial coverage is capped at 90 days, but you can renew if necessary. You can also add electronics and adventure sports riders to the Long Stay policy at an extra cost.

Coverage is available to travelers between 90 days old and 49 years old.

What’s included :

Emergency medical and dental coverage (with a $250 deductible).

Medical transport and repatriation home.

Baggage delay , theft and loss.

Travel delay or a missed connection.

Natural disaster.

Personal liability.

Accidental death or disability.

What’s not included (not a comprehensive list):

General medical check-ups.

Trips aimed at receiving medical treatment.

Burial, ceremony and coffin costs in the repatriation of remains.

Petty theft.

Damage caused by strikes, earthquakes or radioactivity.

Motor vehicles.

A 90-day global coverage that excludes travel to Canada and U.S. costs $257 upfront. You can renew coverage once it expires or prepay for additional coverage at the following prices:

30 days: $76.

120 days: $304.

180 days: $456.

275 days: $731.

Notably, medical coverage includes COVID-19, including medically prescribed PCR tests and extra lodging expenses when you’re prescribed a medical quarantine .

» Learn more: Best long-term travel insurance options

Travelex Insurance offers long-term nomad insurance with its Travel Select plan, which is one of the provider’s comprehensive travel insurance plans . This plan covers trips up to 364 days. You must select travel dates and provide the cost of your trip to get a quote.

A 30-year-old Colorado resident traveling to Italy for six months will pay $734 for a Travel Select plan from Travelex Insurance to cover a trip that costs $5,000. It comes with:

100% trip cancellation.

150% trip interruption.

$2,000 trip delay (with a $250 daily limit).

$1,000 baggage loss.

$200 baggage delay.

$50,000 emergency medical expense.

$500,000 emergency medical evacuation and repatriation.

$25,000 accidental death and dismemberment.

Pre-existing conditions waiver : available if purchase conditions are met (more on this below).

Add-ons to the Travel Select plan include double the medical expense, adventure sports rider, car rental collision protection , extra accidental death and dismemberment coverage and even Cancel for Any Reason coverage covering 75% of the insured trip's cost (though the covered trip cost maxes out at $10,000).

The good thing about this plan is it provides coverage for pre-existing conditions as long as you pay for insurance within 15 days of the initial trip deposit. Most annual policies notably exclude a pre-existing conditions waiver.

The bad thing is its high cost because of all the bells and whistles of a comprehensive plan.

AIG Travel Guard offers an annual plan that provides essential coverage to business and leisure travelers who are U.S. residents (not available for Washington state residents).

The Travel Guard Annual Plan is an option for travelers who take multiple trips within a single year (364 days), with a limit of 90 days per trip.

100% trip interruption.

Trip delay.

Missed connection.

Baggage loss or delay.

Medical expenses, including dental.

Emergency evacuation and repatriation of remains.

Non-flight accidental death or dismemberment.

Security evacuation.

War or acts of war.

Participation in a riot, civil disorder or insurrection.

Commission or an attempt to commit a felony.

Being under the influence of drugs or intoxicated above the legal limit.

Trips taken against a physician’s advice.

Release, escape or dispersal of nuclear or radioactive contamination, and pathogenic or poisonous biological or chemical materials.

A Travel Guard Annual Plan comes out to $242 for a Colorado resident, which is a pretty good deal considering all the inclusions — but remember that your trips cannot exceed 90 days each, so its usage is limited to remote workers taking shorter trips.

» Learn more: How much does travel insurance cost?

Expats and digital nomads have different travel health insurance needs than the average traveler, so choosing a policy that aligns with your travel style is advisable.

If you’re looking for adventure sports coverage, World Nomads, Insured Nomads, Heymondo and Travelex Insurance all have the option to add a rider to their policies.

However, if those benefits aren’t relevant to you and you’d instead prefer to have the option of medical coverage when you’re abroad (and to a certain degree while you’re in the U.S.), consider SafetyWing or Atlas, which offer this feature. For medical-only coverage, IMG Global provides some options, albeit pretty expensive ones.

Additionally, take into consideration your travel style. Are you taking one long trip or multiple shorter trips within one year? Because Allianz and AIG Travel Guard won’t work well if you plan to be abroad longer than the limit specified in the policy.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee:   Bank of America® Travel Rewards credit card

Flat-rate travel rewards:  Capital One Venture Rewards Credit Card  

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Andrew Henderson

Founder of Nomad Capitalist and the world’s most sought-after expert on global citizenship.

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The Best Worldwide Travel Insurance for Nomads

Given the particular challenges that come with being a global citizen, it’s best to have a strategy that minimizes the difficulties that you’ll encounter during your travels. A good way to do that is getting excellent worldwide travel insurance so you can rest assured that when things go wrong, you have solid assistance and can smoothly make your way out of the mess.

Whether you’re a digital nomad traversing South America or Asia or a Nomad Capitalist splitting time between a handful of countries , chances are that you will need some kind of travel insurance to keep up with your international affairs. However, what is the best worldwide travel insurance for nomads?

Why Get Worldwide Travel Insurance?

If you frequently travel around the world, then unpredictability is likely a major factor in your lifestyle. All too often, things outside of your control can easily have a corrosive effect on your plans.

Although thinking about all the things that can go wrong seems tiresome, the reality is that bad things can happen even when you’re at home. When you add a new environment, a foreign language, and different laws and social customs, the risks can multiply. No matter how careful you are, it’s possible to get sick or injured, have your laptop break or get stolen, have your flight canceled, or book a hotel in an area that unexpectedly gets ravaged by a natural disaster or political unrest before you arrive.

Therefore, a bit of foresight and a backup plan can help to put your mind at ease, and worldwide travel insurance provides that peace of mind because it offers handy solutions for a wide variety of emergencies.

What Should the Best Worldwide Travel Insurance Cover?

Once you’ve decided that you want the protection of worldwide travel insurance, how do you choose the best travel insurance, and how do you make sure that your travel insurance covers you for all foreseeable emergencies at a reasonable price?

Narrowing down your options can be a complex and overwhelming process, so knowing what to look for when shopping around is essential. The first step is to understand what the best worldwide travel insurance should cover and which types of coverage are most important for you personally.

Although travel insurance plans differ from one provider to another, there are five essential coverage options that nearly every high-quality travel insurance plan will include.

With this information in mind, it’s important to know that the practice of seducing potential clients with generous offers and disclosing limits in fine print is relatively widespread, and at a first glance, things may seem greater than they actually are. Having a thorough look at each provider’s policy will reveal the specifics of each policy’s coverage, revealing how substantial the coverage actually is.

Policies that skimp in any major coverage option are not worth your money. Since one company may cover you for some things while the next one might for others, it’s up to you to decide the most important things that you want to be covered for.

Emergency Medical Coverage

This may be the most important policy in your travel insurance plan. Even if you’re insured in your home country, health care plans do not always cover you abroad, and you are solely responsible for the bill whenever you get sick or injured outside of your home country.

Needless to say, this can easily get extremely expensive.

The care that you may need can go from a prescription for pneumonia to a serious procedure in case of an accident, and it’s impossible to anticipate the cost of medical care in all of the foreign countries that you may want to visit. While health care is cheap in some countries, you may get a serious disease or end up in an accident in areas with expensive health care, so you can wind up with medical bills of tens or even hundreds of thousands of dollars.

This is why choosing the best international travel insurance is crucial. Good providers offer at least $50,000 minimum coverage, and the best ones give at least $100,000, which are perfectly reasonable amounts for the most common medical emergencies. While you may be tempted to get less, you take the risk of being left in the lurch during a serious situation.

A comprehensive medical coverage plan should include hospital room and board, intensive care, and local ambulance costs, among others.

However, if you have an adventurous streak and see yourself taking up sports or adventure activities like rock climbing, scuba diving, or snorkeling, you must know that these are not typically included in standard emergency medical care plans. Most companies treat adventure sports and activities as a separate coverage item, which comes at an additional cost. Furthermore, some of these extra policies only include basic outdoor activities while others cover extreme sports as well, so make sure to choose the policy that best serves your needs.

Medical evacuation and repatriation

Standard medical coverage includes all local treatment required by your condition, but if the necessity of medical evacuation comes up, it can lead to an exponential increase in medical costs that are well beyond the maximum coverage of the standard plan.

A typical scenario for medical evacuation is when you need to be flown home with medical assistance on the flight or airlifted in a helicopter to a medical facility after getting injured in a remote area. If the doctors at the initial hospital believe that they do not have the appropriate means to take care of your medical emergency, they can request medical evacuation from your insurance company’s medical adviser.

Due to the high costs involved, medical evacuation is a separate policy in your travel insurance plan. Similarly, repatriation is also costly, so it goes along with medical evacuation on the insurance plan. Most good providers offer up to $300,000 USD in medical evacuation and repatriation coverage. Coverage of $100,000 is the minimum acceptable amount.

Evacuation coverage is rarely a concern if you’re traveling to large urban centers in developed countries. If you plan on exploring remote, underdeveloped areas or you plan to set up a base for a longer period in countries with less than stellar health care, good evacuation coverage is essential. Otherwise, it’s just cheaper to get coverage for individual trips.

Coverage for loss, theft, or damage of personal possessions

When you’re a nomad, your baggage is your life-support, and the thought of losing your things is absolutely daunting.

Thankfully, the best travel insurance policies offer reimbursements for your lost, stolen, or damaged personal items. Coverage plans may vary, but the best ones include coverage for possessions such as documents, jewelry, and electronics in addition to inexpensive items like clothing or toiletries.

Most providers, however, have a rather small limit of up to $500 or $1000 in their basic coverage plan. If you have expensive camera kits or other costly items and want them protected, you can buy higher coverage for these individual items as a supplement.

Coverage for trip cancellation or interruption

As a traveler, you know that many external factors can end up completely ruining your travel plans. From protests and strife in the country you plan to visit to a travel company whose services you paid for going bankrupt, there are countless ways to lose money if you don’t have solid travel insurance.

The best travel insurance providers offer reimbursements in such cases along with coverage for cancellations of pre-paid, non-refundable hotel bookings and flights in the event you are forced to cut your trip short for certain reasons. Coverage for transportation costs in case of an emergency in the family, like the death or illness of a loved one, is also included.

When you are looking to purchase worldwide travel insurance, you must carefully read through the details of the policy and check whether it also covers cancellations in case of terrorist acts, natural disasters, or any other type of political, social, and natural crisis.

24/7 Emergency Assistance

If you’re calling your travel insurance provider from abroad, you most likely have an emergency, and the last thing you want is to be put on hold indefinitely or be told to call back later.

Customer service is a major factor to consider when it comes to selecting a travel insurance company because you want to be sure that the claim process will not be excruciating and unnecessarily long. As a nomad having an emergency, you want fast and straightforward help, so choosing a travel insurance provider that offers top-notch 24/7 global assistance is as important as having wide coverage.

What Do Worldwide Travel Insurance Policies Not Cover?

Although the best worldwide travel insurance policies are fairly comprehensive, there are certain things that even top-tier policies most likely won’t cover.

• Accidents that occur during extreme adventure activities such as bungee jumping, paragliding or similar – unless you’ve paid extra to have them as an additional item on your policy.
• Accidents caused by alcohol or drug consumption.
• Loss or damage to possessions due to carelessness.
• Accidents resulted from reckless behavior, depending on how your travel insurance provider defines that.
• Pre-existing medical conditions.
• Cash theft or loss.
• Theft, if your possessions were left unattended.

PRIMARY COVERAGE FOR NOMADS

There is a significant distinction between travel insurance policies and other insurance policies that you already have. If your travel insurance is primary, that means it will replace the medical insurance that you have in your home country, which is important because it makes the claim and reimbursement processes faster.

Most travel insurance policies, however, are not primary because they count on you being insured in your home country, where they can transport you if long-term care is required. Some nomads may prefer international primary health insurance since this does not tie them up to their home country, so this is something to consider when shopping around.

Based on our research here at Nomad Capitalist, the following companies provide the best worldwide travel insurance policies on the market today.

World Nomads

Built by a former nomad for today’s nomads, World Nomads has rapidly outgrown more established companies, garnering serious credibility. Recommended by top names in the travel industry such as Lonely Planet, National Geographic, and Rough Guides, World Nomads provides a travel insurance policy specifically designed to meet the needs of worldwide short-term and long-term travelers and adventure seekers.

Highly innovative from the moment they emerged on the market, World Nomads imposed a great model in the worldwide travel insurance market, which has now been successfully replicated in various degrees by other companies.

Benefits of World Nomads:

• Their core standard package includes coverage for key areas: medical emergencies, medical evacuation, baggage claims, theft of personal items and electronics (under special conditions), trip cancellation coverage, assault, catastrophic events, and repatriation coverage.
• You can process all the claims online and the claim processing time is short, which is very convenient as a nomad always on the road.
• You can purchase or extend the policy indefinitely online.
• Although they don’t have the cheapest plans on the market, they provide great coverage at a reasonable price.
• They have a coverage plan for adventure sports and activities available for the most adventurous of us. The Explorer package covers a comprehensive list of activities, broken down by country to make your search easier when looking for the activities you’re most interested in. Before you sign up for an activity, it’s easy to verify on the official website if the activity is covered.
• Their client interface is friendly and easy to navigate, and the staff is quick to respond to inquiries.
• The policy is very inclusive, catering to people from 150 countries.
• Major tour and travel companies have chosen World Nomads as their default travel insurance.
• There is no limit on the length of time you can be insured, which makes it an excellent choice for long-term travelers and nomads, especially since other travel insurance policies do not work the same way.

Drawbacks of World Nomads

• They don’t offer primary health insurance, which means you still need to have health care insurance in your home country. If you’re a nomad with no permanent residence and thus without a home where you can get health insurance, this may be a deal breaker.
• World Nomads works with different local insurance providers, and depending on your country of residence, the terms of the policy, along with prices, limits, and benefits, can vary greatly. It’s essential to read the full policy for your country carefully to make sure that this is the best option for you.
• The Standard package does not offer coverage for activities such as scuba diving or snorkeling, which means that you have to shell out money for the more expensive Explorer plan if you’re interested in such activities.
• They do not cover motorcycle and scooter accidents unless you hold a valid international motorbike license. If you’re traveling to Southeast Asia, motorcycles and scooters will probably be the main way you’ll move around, and the rate of accidents in the region is shockingly high. If you plan to travel there, then this is an important aspect to keep in mind.
• The travel insurance policy only covers a single trip home, so if you like to return home occasionally to visit friends and family, this may also be a deal breaker.
• The policy comes with age restrictions.

IMG is a reputable, powerful company that provides comprehensive packages at some of the most attractive prices on the market.

A look at their policy plans suggests that IMG should be the top choice for the most adventurous nomads who are drawn to remote, underdeveloped, or exotic locations. Their iTravelInsured Travel LX Insurance is certainly the best policy to get if you know you’re an adventurer at heart and want peace of mind while doing your favorite activities in faraway corners of the planet.

Another important package you may want to consider from their offer is the Medical Insurance for Expatriates & Global Citizens, which is designed to serve globally mobile people and people who spend large amounts of time overseas. This plan, however, focuses exclusively on health care, without providing any coverage for other aspects related to traveling.

Benefits of IMG

• The LX plan is tailored for adventurous activities, and it’s the best option for thrill-seekers interested in helicopter tours, scuba diving excursions, rock climbing, or any other activity that puts you at risk of getting stranded or injured. Coverage for search and rescue stands at $10,000.
• They offer extensive and generous medical coverage. The limit for medical coverage is an outstanding $500,000, so you don’t have to live with anxiety in the event of an illness or injury that can rack up a large bill. Additionally, the limit for medical evacuation is $1 million.
• The company provides great customer service, and all inquiries by phone or live chat get prompt answers. The staff is patient and helpful.
• By comparison to other providers, it is much cheaper to extend or renew your policy, and this is highly attractive from the perspective of a long-term traveler.

Drawbacks of IMG

• Client complaints about slow claims handling and excessive rigor when it comes to policy wording are common.
• By comparison to other important providers, the company has the longest time requirements before you can claim reimbursement for trip cancellation or baggage delay, which can turn out to be highly inconvenient.
• The travel insurance packages offer little opportunity for customization. For example, you cannot add coverage for adventure sports to the SE plan, so you have to stick to LX even if you’re only interested in basic outdoor activities.
• If you want medical coverage as well as coverage for things like lost luggage, trip cancellation, or anything travel-related, you need to purchase two different packages.
• The travel health insurance for global citizens and nomads is not primary health insurance, so you still need health insurance in your home country as well.
• You cannot return to your home country for more than 14 days. Otherwise, your insurance policy will be terminated. If you’re a U.S. citizen, you’re not allowed to return to your home country at all.
• They don’t support direct billing. This implies that you pay all medical bills out of your savings and then wait for the claim to be processed before you get the reimbursement.

John Hancock Insurance Agency

John Hancock Insurance Agency offers a comprehensive coverage package for solo travelers and nomads, taking great care to assist them in moments when unexpected costs may put a serious strain on their travel plans and adventures. They’re a respectable company with great customer reviews, which suggests that you can hardly go wrong with them.

Benefits of John Hancock

• This international travel insurance company offers the core coverage that any respectable travel insurer provides, including medical coverage, 24/7 global assistance, and assistance during travel-related emergencies, such as bad weather, missed connections, illness of you or a family member, strikes, protests, and any other sort of unexpected event that can impact your plans.
• The contract is easy to read and has no confusing wording that would make it easy for the company to nitpick your claim. The specifics of each type of coverage are clearly outlined with additional clarifications to make the policy as simple to navigate as possible. With this straightforward approach to the contract terms, you will know exactly what to expect in any circumstances.
• The medical coverage packages are perfectly designed to meet all budgets. The cheapest plan, Bronze, offers $50,000 for medical emergencies and $250,000 for medical evacuation. There are two possible upgrades, Silver and Gold, where the amounts increase significantly.
• Excellent customer service means there’s something less to worry when you’re facing an emergency while alone in a foreign country, and John Hancock has friendly and patient staff with a thorough knowledge of your contract that can assist you immediately.

Drawbacks of John Hancock

The only drawback of John Hancock is that the company provides no coverage for adventurous activities and “extreme” sports, but this is an inconvenience only if these kinds of activities are very common in your schedule. In this case, John Hancock is not for you. If you’re only interested, however, in doing adventure activities on occasion, it may be cheaper anyway to get insurance for individual trips.

Allianz Global Assistance

This company is a reputable insurance provider with a long tradition of great services, offering numerous packages able to serve people with different needs, aspirations, and travel plans.

For the past three years, Allianz Global Assistance has won the title of “Best Insurance Provider” in Travel Weekly’s Readers Choice Awards, which recognizes the excellent service the company provides to travelers. Since nomads travel for both business and leisure, they can surely appreciate the range of benefits and coverage that Allianz provides.

Benefits of Allianz

• The company offers coverage for up to a year, which may not seem great for a nomad, but it’s more than most other travel insurers provide – many of them set their limit at three months.
• If you’re gallivanting around the world, this may be the best option out there with the OneTrip Premier Plan offering all the coverage that a nomad might need.
• If you’re a nomad with a home base, Allianz Global Assistance also offers annual plans that provide continuous coverage for international trips over the course of a year, and this multi-trip plan may be the most convenient solution for you. The AllTrips Executive Plan is more expensive, but the annual fee gives you reliable coverage and peace of mind for a whole year.
• The medical coverage is generous with a maximum of coverage for emergency evacuation of $2 million.
• Naturally, the company offers coverage for all major areas of interest to a long-term traveler. The coverage for stolen luggage is up to $500 while the trip delay coverage is $150 per day for airplane delays due to bad weather, natural catastrophes, or other critical situations.

Drawbacks of Allianz

• Customer service can range from mediocre to OK, but the company has shown signs of improvement over time.
• Although they provide broad flexibility in regards to the length of the trips, the packages do not offer the possibility of customization. Common features, such canceling for any reason, are not available here.
• The insurer does not offer coverage for adventurous activities and “extreme” sports, which means it is only a great option for nomads who prefer a casual, relaxing traveling style.
• Being one of the most acclaimed insurance providers, Allianz Global Assistance obviously has pricier plans, which may deter some nomads from considering them.
• The terms of the policy depend on your country of residence, so you must always check the specifics of your particular situation.
• The company offers coverage for trip interruption caused by medical reasons or natural disasters. In case of a tour, cruise, airline, or hotel cancellation, you receive no reimbursement.
• This international travel insurance is not available everywhere.
• You must purchase the insurance before departing from your home country, and this is something that most nomads might not be comfortable with.

Safety Wing

Although it’s relatively new on the market, Safety Wing has quickly risen up as a favorite insurance provider among many digital nomads, long-term travelers, and freelancers who are always on the go.

An important reason for their popularity is that they offer primary health insurance, and since many nomads no longer have residency in their home country, this is an excellent alternative for them. Looking at the offer, it is evident that Safety Wing is trying to become a prime choice for location-independent people and provide them with the safety net that they’ve lost after giving up their residency.

The name of their policy, Digital Nomad Travel Insurance, speaks for itself. If you worry about going with such a young company, you have no reason to because they are backed up by Tokio Marine – a top global insurance company.

Benefits of Safety Wing

• The main aspect that will attract nomads to Safety Wing is that you don’t have to be a resident of your home country to purchase the insurance. For nomads with no permanent home, this is a huge plus.
• Safety Wing is very economically priced, and people aged under 39 will benefit the most from inexpensive plans. The plan is a great value for your money considering how many features it includes that are specifically useful to nomads and how much more expensive its main competitors are.
• The company offers the possibility to pay monthly, which is great for freelancers and entrepreneurs whose income varies from month to month.
• One of the most attractive features of the client interface is the auto-renewal option, which functions in the same way as with any subscription service by offering you the possibility to cancel whenever you want. In addition, your policy has no end date, but you can set one if you want.
• Their website is user-friendly, and the contract gives you a clear idea of how everything works.
• Your insurance covers you within the borders of your home country as well, and you are allowed a home visit of up to 30 days. The situation is different for US citizens, who should check out the specific conditions for their home country.
• Besides standard medical coverage, the policy includes all the core benefits of a reputable travel insurance provider, such as trip interruption and cancellation coverage, evacuation costs in cases of natural catastrophes or political unrest, and baggage claims, among many others.
• The medical coverage includes private hospitals and doctors, which is a great advantage when you’re traveling in developing countries or underdeveloped areas where public health care is subpar.
• If you’re interested in short-term coverage, you will benefit from the same affordable price you would pay on a monthly or annual basis. If you already have health insurance in your home country and you spend most of your time there, you can use this to your advantage and pay only for the part of the year when you’re traveling elsewhere. A month or a year of coverage may end up costing the same.
• The company supports direct billing to a large number of hospitals and clinics from its global network.

Drawbacks of Safety Wing

• The company offers coverage of up to $250,000, which may be fine for most nomads, except for those who engage in activities with a high degree of risk.
• Activities with a high risk of injuries, such as trekking at high altitudes, football, scuba diving, and ice hockey, are not included. Extremely adventurous nomads may have to look elsewhere.
• Motorbike and scooter accidents are covered only if you hold a valid license.

True Traveller

For nomads who are residents of the United Kingdom and various other European countries, True Traveller is an excellent global travel insurance provider.

The policy was designed to meet the needs of travelers who love adventure and don’t shy away from interesting or challenging activities, sports, and tours. Founded in London in the late 1980s, the company has developed a comprehensive insurance scheme devoted to serving nomads and travelers who one week may want to hike a peak in the Himalayas and then travel overland through the Sahara the next.

Benefits of True Traveller

• The insurance plan covers an extensive range of adventure activities.
• They offer maximum coverage of 5 million GBP.
• It’s possible to purchase the policy while already on the road.
• They offer the standard core coverage, including 24/7 global medical assistance.
• The standard plan can be customized according to your needs, so you can be sure that you’re covered for the activities that interest you and for situations that may occur in the regions you plan to travel to.
• The basic plans are affordable, and you can enjoy discounts if you pre-pay for annual coverage.
• There are no limits on home visits.

Drawbacks of True Traveller

• The policy is restricted to residents of the European Economic Area (EEA). Even if you’re a citizen of a country in the EEA, if you’re a nomad with no residence or a residence outside of the EEA, you will not qualify for the True Traveller insurance.
• Although affordable, the basic plans offer limited coverage, and you may find yourself in the position of having to buy supplements that will increase the costs substantially.
• You are not covered during your home visits.
• As of yet, they do not offer a direct billing feature.
• Extensions are expensive.
• The medical coverage option does not include private hospitals and doctors unless public health care is unavailable. If the countries you’re traveling to are notorious for bad public health care, this may be a cause of concern.

What’s the Best Worldwide Travel Insurance for You?

This guide is your introduction to the best worldwide travel insurance for nomads, but it is up to you now to do some thorough research and check which of the options presented above are in line with your travel plans and your budget, and you should know how your residency status may affect the type of policy you can purchase.

The good news is more companies realize that digital nomads, freelancers, and long-term travelers need special services tailored to their situation, and they have been adapting their packages to satisfy this emerging base of potential clients.

Final Steps

Before purchasing an insurance policy, you must carefully read all the documents that they provide as this is where you’ll find an exhaustive list of all situations and contexts in which you can benefit from coverage.

If you’re interested in a type of coverage and you cannot find it on the list, then you may have the option of purchasing it as an additional item. However, that is not always the case.

As you make your purchasing decision, make a mental list of your future destinations because where you want to go is very important in determining which insurance policy will offer you the maximum of security. Some countries or regions may be safer than your home country, but the opposite can easily be true as well. Having an idea about what your risk in each particular destination is will be helpful in narrowing down the things you want to be covered for. Read the policies with extra attention even if it may take some time.

Next, you should contact the travel insurance’s representatives before purchasing and clarify with them any doubts and questions you may have. This way, you will also get a feel of how responsive and knowledgeable the customer service team is. If they cannot help you with some pre-purchase questions, you should not count on them during an emergency.

It’s impossible to say which plan is most advantageous to you from a financial perspective because this depends on a large number of variables that you have to explore on your own. The length of your stay in various countries, the places you travel to, your country of residence, and your favorite hobbies are all important factors that decide the cost.

After purchasing your insurance, you should always have the contact info of your insurance provider within easy reach at any moment.

While all of the companies we listed offer great insurance plans, it seems that each of them targets a specific category of travelers. Digital nomads, freelancers, and long-term travelers will find it extremely convenient to work with Safety Wing, which provides them with a bunch of unique options on the market that are specifically designed to meet their needs as mobile citizens of the world.

For adventurous spirits, on the other hand, World Nomads is their best bet because of the vast range of activities covered by the policy. Well-to-do nomads who prefer premium services from reputable brands recognized worldwide and aren’t deterred from paying more for those premium services will find that Allianz Global Assistance and John Hancock Insurance Agency are excellent choices. Adventure-loving European nomads can trust that True Traveller will provide them with exceptional assistance.

At the end of the day, the best policy for you will depend on your needs, so you should do your due diligence to find out which travel insurance policy is best for you.

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The 9 Best Digital Nomad Insurance for International Travel

Living the digital nomad lifestyle is as enriching as it is plain fun—that’s why so many of us have jumped on the remote working bandwagon to travel to our hearts’ content. But before you go on your next excursion, take some time to address the risks that come along with being a digital nomad traveler. From theft and accidents to lost equipment and medical emergencies, many things can go south.

So, whether you’re surfing on the Gold Coast, backpacking in Sri Lanka, or RVing in an unfamiliar city, you need an insurance plan that has your back . And we’ll help you choose one today!

In this article, we'll compare the 9 best digital nomad insurance plans to help you choose the one that will get you peace of mind, no matter where your adventures take you!

Top 9 Digital Nomad Travel Insurance

• Nomad Insurance (SafetyWing) - The Overall Best
• Genki - Best for New Digital Nomads
• Heymondo - Best for Digital Nomads Under the Age of 49
• World Nomads - The Most Comprehensive Option
• Insured Nomads - The One With Greatest Plan Variety
• PassportCard - The Most Innovative Option
• True Traveller - Best Option For Europe And The UK
• IMG  - The Most Extensive Option
• Atlas Travel Insurance  - Best For Customizability

What is Digital Nomad Insurance?

Digital nomad insurance is a specialty insurance type geared toward digital nomads , those who travel frequently and work remotely. More often than not, plans like these include coverage for accidents, health issues, and the tech you use for work .

But that’s not all - these travel insurance plans may also cover the fun things you plan on doing after arriving at your destination , like:

• Rock climbing
• Bungee jumping

Digital nomads frequently country-hop, so selected digital nomad insurance plans offer global coverage - also called worldwide coverage . This coverage extends across the globe, eliminating the need for you to purchase a new plan every time you travel to a new country.

Digital Nomad Travel Insurance vs Digital Nomad Health Insurance: What's The Difference?

Before we go any further, it’s important to differentiate between digital nomad travel insurance and digital nomad health insurance . The two are different and serve unique purposes. Here, we’ll help you sort through each of them.

Digital Nomad Health Insurance

Digital nomad health insurance covers your ongoing medical needs and treatments . The plans may cover preventive care (immunizations, screenings, etc.), routine checkups, prescription costs, emergency care, and more. The coverage is much more comprehensive health-wise than travel insurance plans and serves many of the same functions as your run-of-the-mill health insurance policies.

Sometimes, health insurance plans like these may also cover vision, dental, and mental health expenses. And there are also combo plans - called travel medical plans - that cover both health-related and travel-related costs/situations.

Learn more about the best health insurance for digital nomads below:

Digital Nomad Travel Insurance

Digital nomad travel insurance covers instead unexpected issues that occur during your travels. Though it usually covers health emergencies, it does not replace your health coverage . It rarely covers ongoing or preventive health services or procedures like your seasonal allergies or contraceptive pills. But if you injure yourself while climbing Mount Elbrus in Russia or get bitten by a Coastal Taipan, travel insurance will likely cover the expenses associated with that.

This type of insurance also covers a myriad of other travel-related expenses , as we mentioned earlier. It’s an all-encompassing plan to keep you financially secure as you explore and work as a digital nomad and it's also the type of insurance we will focus our top picks on.

The 9 Best Digital Nomad Travel Insurance Providers Compared

With all that understood, it’s time to get into the best travel insurance options for digital nomads. They will give you the protection you need to enjoy your travels without worries.

In this section, we’ll share with you 7 top digital nomad travel insurance companies , what’s included in their plans, pricing, the pros and cons, and more. By the end of this section, you’ll know much more about the options available.

1. Nomad Insurance by SafetyWing

Overall best travel insurance for digital nomads.

Do you yearn to sample life beyond the country’s borders with the security of an industry-leading insurance plan? If so, Nomad Insurance may be exactly what you want. It’s, without a doubt, one of the best travel insurance providers in existence .

Nomad Insurance is an invaluable resource and safety net for digital nomads everywhere. The company provides both global travel medical insurance and global health insurance specifically tailored to your needs as a nomad.

What’s Included in SafetyWing Insurance Plans?

The SafetyWing Nomad Insurance Travel Medical Plan option offers digital nomads medical and travel insurance . Its medical benefits support travelers when they find themselves in an accident or suffering from an illness they need professional treatment for.

Here are some Nomad Insurance's plan specifics to be aware of :

• The max limit (the highest amount the plan will pay) is $250,000 for people under 65 and $100,000 for people under 65.
• The deductible (the amount you’ll be required to pay before the plan pays anything) is $250.

Specific services covered that are instead included, but aren’t limited to are:

• Intensive care
• Ambulance charges
• Hospital room and nursing services
• Physical therapy
• Chiropractic care
• Dental (emergencies only)

The travel portion of Nomad insurance covers the travel-specific side of things. Not only does it cover you when your trip is delayed, but it also covers:

• Lodging expenses in the event of a natural disaster ($100 per day for 5 days)
• Lost luggage up to $3000 total per certificate. You get $500 per item
• Personal liability coverage for accidents or situations where someone else is harmed and you’re deemed liable
• Emergency medical evacuation up to $100,000-lifetime maximum

For detailed coverage information, see Safety Wing’s Description of Coverage document .

Pros and cons of SafetyWing:

Pricing for nomad insurance by safetywing.

A 1-month Nomad Insurance travel health plan for a traveler who’s 10 to 39 years old costs $45.08 at the time of this writing.

This is pretty cheap for one of the best international medical insurance plans for travel. Here’s how the pricing works out for older travelers in the same scenario:

• 40 - 49 years old - $73.92/month
• 50 - 59 years old - $115.92/month
• 60 - 64 years old - $157.36/month
• 65 - 69 years old - $157.36/month

These plans have a $250 deductible and a $250,000 max limit (the most the insurance plan will pay, no matter what).

Or check out our full review of SafetyWing below:

Best Medical Travel Insurance for New Digital Nomads

Looking for a simple, hassle-free insurance-buying experience and generous benefits ? Genki is a great option to consider.

Genki nomad travel medical insurance , which Allianz Partners back, prides itself on providing travel health insurance that has the following characteristics:

• A nice selection of benefits for digital nomads
• An affordable monthly payment
• The ability to cancel the plan at any time

To keep things simple, Genki provides just two insurance plans: World Explorer and World Resident .

The World explorer plan is for travelers who intend to take multiple brief trips or a few long-term trips.

The World Resident plan is slightly different and geared toward digital nomad expats or long-term travelers. We’ll get into each of the plans in more detail in the next section.

What’s Included in Genki International Travel Insurance for Digital Nomads?

Now, let’s explore both the World Explorer and World Resident plans offered by Genki insurance, which many believe is the best international health insurance for travelers.

Genki World Explorer

The World Explorer plan is for digital nomads up to 49 years old . The plan can be used when traveling to any country worldwide . You can secure a plan for terms ranging from 1 month to 2 years and cancel your plan at any time . There are no plan limits!

To sign up for the plan , you only need a few minutes and some basic information about yourself.

Here are a few things covered in this travel health insurance plan:

• Both inpatient and outpatient care
• Medical prescriptions
• COVID-19 treatment
• Hospital and doctor treatments and services
• Medical transport
• Sexually transmitted diseases
• Repatriation cost reimbursement
• Limited dental, mental, and pregnancy coverage
• Coverage for a select number of activities and sports

If you choose this plan, you won’t have access to benefits related to:

• Physiotherapy
• Single hospital room
• Acupuncture
• Pre-existing conditions you knew about up to 6 months prior to departing for your trip

*This is not an exhaustive list of what’s not covered by the policy. To find out exactly what the plan covers and doesn’t cover, refer to the plan benefits on their official website .

Genki World Resident

The Genki World Resident plan is a much more heavy-duty plan that includes a wider variety of benefits and is available to people of all ages . This is because the plan is designed for long-term travelers and expats. Like with the World Explorer option, you can cancel the plan anytime.

The sign-up process for this plan is a bit more involved than that of the World Explorer plan. You’ll have to submit an application and then wait up to a week for a response from Genki.

The list of covered benefits is extensive, including everything in the World Explorer plan. But in addition to that, it includes expanded pregnancy, mental health, and dental coverage . And you also get access to:

• Eye exams, glasses/contact lenses, and vision correction
• Rehab services
• Expanded list of covered activities and sports

Or learn more about Genki Resident in our dedicated review:

Pros and cons of Genki:

Pricing for genki nomad travel insurance.

If you’ve been hunting for cheap international health insurance, Genki is a great option. Pricing is very low for the caliber of coverage digital nomads get with Genki. For the base plan, you’ll pay as low as 35.70 EUR/month; for the premium World Resident plan, you’ll pay as little as 105 EUR per month.

Or check out our full review of Genki travel insurance below:

3. Heymondo

Best worldwide insurance for digital nomads under the age of 49.

Serious digital nomads who are willing to pay a little more for full travel coverage should consider Heymondo . The company is technology-focused, and its website explains your coverage options in very simple terms, making the insurance-buying experience straightforward. In addition, customers can use a Heymondo app to manage their insurance coverage, contact customer support, and more.

What’s Included in Heymondo Travel Insurance Plans

What will be included in your plan will depend on the specific plan you choose. There are three main types of travel insurance offered by Heymondo: coverage for your medical expenses, luggage theft and damage, recreational activities, trip cancellation, and repatriation. You could get up to $10,000,000 in medical coverage , and COVID-19 care is also included .

• Single trip - You’ll choose the single trip plan if you only need coverage for one trip.
• Annual Multitrip - For digital nomads who want to plan ahead and need a plan for a series of trips over the course of a year.
• Long Stay  - Long stay coverage is for those who are already abroad and want to be able to renew their plan frequently.

You can also add coverage for electronics and adventure sports - these benefits are optional.

Pros and cons of Heymondo:

Pricing for heymondo insurance plans for digital nomads.

Heymondo is pricier than some options on our list, though you may find that the enormous benefit amounts and coverage justify that. To give you an idea of what to expect, for an American citizen's 30-day trip to Aruba, the cost would be $116.10 for the base plan and $152.39 for the premium plan .

Or check out our full review of Heymondo below:

4. World Nomads

Most comprehensive travel insurance plan for digital nomads.

If you like the thought of a digital nomad insurance plan created by travelers for travelers, check this plan out. The plans offered by World Nomads are fully loaded and leave very few things out .

World Nomads Travel Insurance is a well-known insurance provider that offers travel plans that cover a broad range of emergencies and situations nomads come across. The company offers plans tailored to you; you get to choose between their Standard plan and Explorer plan . Here’s what you need to know about the plans:

What’s Included in World Nomads Travel Insurance Plans?

You want your trip to go off without a hitch, and World Nomads can help with that.

World Nomad travel insurance plans come with a laundry list of benefits you’ll find to be interesting and incredibly useful. Assault, adventure activities, trip delays, and pregnancy are just a few benefits you can expect if you go with this plan.

Here, we’ll take a deeper look at what’s included:

Delayed Baggage

You’ve arrived in Paris on time, anxious to set your sights on the Louvre, but where is your baggage? When your baggage runs at least 12 hours behind, you can use your plan to access essential clothing items .

Trip Delays

Trip delays may occur for a myriad of reasons, including flight cancellations due to mechanical problems with the aircraft to closed roadways that make you miss your flight. When your trip is delayed by 6 hours or more, and the situation meets the eligibility qualifications set by World Nomads, you can get reimbursement funds for the money you had to put up for extra food, lodging, transportation, or other expenses . You could also get money back for pre-paid portions of the trip that you cannot use.

Travel Accidents

One thing you’re probably not planning for is an accident, but it can happen. This part of the plan covers any accident-related hospital stays, doctor visits, prescription medications, evacuations, and treatments to ensure that a travel accident doesn't ruin you financially.

Adventure Activities

A big part of traveling is taking part in adventure activities you’d never be able to try at home. It'll be covered if something unexpected happens during an approved sport or activity (a sport that World Nomads cover).

Restrictions apply - so make sure to check their policy documents for clarification.

Additional Plan Benefits

The above benefits are indispensable when you’re out and about abroad. But that’s not all you get with a policy from World Nomads. Here are some other benefits included in a World Nomads policy:

• General medical services, medicines, and outpatient treatment while you’re abroad
• Medical treatment costs after being affected by a terror attack
• Evaluation and treatment for tooth pains that creep up suddenly
• Repatriation (returning to your own country) following an emergency that requires you to evacuate.
• Expenses for COVID-19-related emergency medical services, medical evacuation, and trip cancellation, interruptions, or delays
• Costs associated with pregnancy complications
• Costs of lost or damaged baggage or gear

Pros and cons of World Nomads:

Pricing for world nomads travel insurance.

World Nomad’s pricing is not as transparent as some of the other travel insurance companies on this list. Luckily, finding pricing for World Nomads takes just a few clicks.

To give you an idea of the pricing for World Nomads plans, we entered some dummy information into the quote form to reflect a 1-month plan for one person aged 30 . For a plan like this, you’ll pay $127.64 for the Standard Plan and $225.91 for the Explorer Plan .

Or check out our full review of World Nomads below:

5. Insured Nomads

Digital nomad insurance with the greatest plan variety.

Looking for an insurance plan that’s been painstakingly crafted for you? Insured Nomads offers multiple plans with terms and benefits that apply to specific types of digital nomads.

There are 4 travel plans available, and they include:

• World Explorer
• World Explorer Multi
• World Explorer Guardian
• World Explorer Hotspot

The right plan for you will depend on your travel plans, finances, and ultimately how much coverage you want for your peace of mind.

What’s Included in Insured Nomads Plans?

Being in the dark regarding your travel insurance is never the way to go. So, we’ll look at each of the 4 Insured Nomads plans here in detail so you’ll know what they cover.

World Explorer Plan

The World Explorer plan is tailored to any digital nomad who wants to take a trip for at least 7 days and up to a year (364 days). You get one chance to extend your plan based on your preferences and needs - the extension may be for up to 6 months . As a whole, the plan provides up to 2 million dollars in medical benefits for travelers.

This plan covers:

• Medical and personal accidents - you can get up to $2,000,000 in coverage if you select that amount. Outpatient and telemedicine benefits are included
• Repatriation costs to get you back to your home country in an emergency
• Unexpected costs associated with accidental death while you’re abroad
• Personal liability coverage if you cause someone else harm and are found legally liable

World Explorer Multi Plan

The World Explorer Multi Plan is unique; it’s for digital nomads who intend to take trips several times over the course of a year and then come back home. The plan will give you the protection you need whenever you’re abroad. You can get up to $1,000,000 in coverage should you select that level of coverage during the quotation process.

Here are some things you can expect to be covered by the plan:

• Medical expenses for emergency situations that arise while you’re abroad
• Repatriation costs associated with traveling back home
• Outpatient care for conditions that arise when you’re abroad
• Telemedicine

World Explorer Guardian Plan

The World Explorer Guardian plan allows you to select specific amounts of coverage for health and medical travel insurance coverage. You can choose between $50,000, $250,000 , or $500,000 of total medical benefits . Each of the plans includes trip cancellation and interruption coverage. The $250,000 and $500,000 coverage options include a pre-existing condition waiver. The most expensive coverage option (the one with a $500,000 medical coverage amount) allows the policyholder to cancel their coverage for any reason.

World Explorer Hotspot Plan

Insured Nomad’s World Explorer Hotspot plan is for digital nomads looking to travel to riskier countries like Afghanistan or Iraq. The plan covers travel-related medical expenses, personal accidents, wrongful detention costs, natural disaster costs, and more. But what really stands out about this plan is that it also covers search and rescue endeavors and will even cover part of a kidnap remand should you be held for ransom.

Pros and cons of Insured Nomads:

Pricing for insured nomads travel insurance.

Travel plans through Insured Nomads are a little expensive compared to others on this list. For example, a one-month World Explorer plan for someone between 30 and 39 costs over $100 .

Still, the amount you’ll end up paying depends on your trip length, age, and where you’ll be traveling. It also depends on whether you’ll stop in the U.S. during your travel period or add additional adventure sports/marine coverage.

Though Insured Nomads plans aren’t the cheapest, they are still very much attainable on the average budget. So, don’t let pricing alone deter you from exploring plans from this reputable company.

6. PassportCard

Most innovative nomad travel insurance.

If you’ve ever submitted a claim to insurance, you know it can be weeks or months before you see reimbursement. For digital nomads who want to try something different, PassportCard for nomads might be your savior!

Traditional insurance companies provide you with a list of benefits, and you access them through the claims submission process. Sometimes that means you have to use your money upfront and wait for reimbursement from the insurance company later. You don’t have to do that with PassportCard insurance for nomads. Instead of using your own money, you’ll use your PassportCard in real-time to pay your medical bills .

You’ll first have to sign up online and then wait to receive your card in the mail. And then, when you get to your destination and need care, you’ll first contact PassportCard, and they’ll load the card with the funds you need. At that point, you can swipe your PassportCard and pay for your services. It’s really that easy! And there’s also 24/7 support to help you out as needed.

What’s included

The PassportCard is an international insurance plan that covers certain medical services and treatments you may need as you travel the world. You get to choose between two main plans - Remote and Comfort .

Remote Plan

The PassportCard remote plan offers the traveler basic coverage with a plan limit of up to $1,000,000. It’s a 12-month renewable plan that you can cancel at any time. It’s also deductible-free!

This plan covers the following:

• Emergency medical services
• Emergency surgery and inpatient care
• Emergency dental coverage up to $1,000
• Non-urgent medical treatments, surgery, and hospitalization up to $5,000
• Physiotherapy and chiropractor treatments
• Outpatient care
• Maternity and childbirth

The plan does not include mental health, childbirth/maternity complications, treatment for continuous medical conditions, chronic and routine medical care, cancer screening, and treatment, organ and bone marrow transplants, imaging, or mental health care.

Comfort Plan

The comfort plan is the most comprehensive plan of the two. It’s for heavy travelers who often take long-term trips - it doesn’t leave much out regarding benefits. This plan has no deductible and has a plan limit of up to $3,500,000 . The plan includes just about all of the benefits of the remote plan but also covers:

• Hospitalization and inpatient care for continuous medical conditions
• Chronic and routine medical care
• Cancer screening and treatment
• Bone marrow and organ transplants
• Mental health care

Pros and cons of PassportCard:

Pricing for passport card digital nomad insurance.

PassportCard is not the cheapest insurance you’ll come across. The remote plan for someone in their 30s with no chronic medical conditions starts at $119 monthly . The higher-cost comfort plan starts at $214 per month in that same scenario. But in this case, you should consider the convenience of paying for your care with the PassportCard. You won’t have to deal with the rigamarole that comes along with the traditional claims process.

7. True Traveller

Best digital nomad insurance for europe and the uk.

True Traveller is a travel insurance provider backed and run by travelers who know your needs and struggles as a digital nomad. The company is newer on the scene but has earned stellar ratings on review sites like reviews.io . If you’re looking for single or multi-trip travel insurance coverage with benefits that fit your risk profile like a glove, TrueTraveller could definitely be it for you! It is, of course, the best travel health insurance for European digital nomads .

What’s included in True Traveller Travel Insurance Coverage

There’s no single insurance plan for all True Traveller customers - instead, there’s a coverage option for every type of digital nomad. Here’s a list of coverage options you get to choose from, as well as general information about what they cover:

True Value Plan

As a base option to save you the most money, the True Value plan covers the following expenses for digital nomads and travelers in general:

• Medical expenses - 10,000,000 British pounds max
• Baggage costs - 1,000 British pounds max (optional)
• Trip cancellation - 1,000 British pounds max
• Personal liability - 1,000,000 British pounds max
• Accidental disability - 10,000 British pounds max
• Repatriation - 10,000,000 British pounds max

It doesn’t cover travel delays, travel abandonment, or missed departures. Check the full plan benefits for more detailed information.

Traveller Plan

The Traveller insurance plan covers more than the True Value Plan, including travel delays, travel abandonment, and missed departures (unavailable in the True Value plan).

• Baggage costs - 2,000 British pounds max (optional)
• Trip cancellation - 3,000 British pounds max
• Personal liability - 2,000,000 British pounds max
• Accidental disability - 15,000 British pounds max

Traveller Plus Plan

The most comprehensive True Traveller plan gives you even higher benefit limits.

• Trip cancellation - 7,500 British pounds max
• Accidental disability - 25,000 British pounds max

You can personalize your plan by adding protection for baggage, travel disruption, scooter or motorbike riding, and more.

Pros and cons of True Traveller:

Pricing for true traveller travel insurance.

Pricing for the base True Value plan is more expensive than World Nomads and several other plans we’ve covered above. For a 30-day worldwide plan for a 30-year-old person, the pricing works out to:

• True Value - 78.45 British Pounds
• Traveller - 98.04 British Pounds
• Traveller Plus - 116.51 British Pounds

8.  Atlas Travel Insurance

Best digital nomad medical insurance for customizability.

Atlas travel insurance stands out for its customization possibilities. Rather than taking what comes as standard, you can build your plan from the ground up. Digital nomads who like to control their own destiny will be thrilled with an Atlas travel insurance plan.

What’s included in an Atlas Travel Insurance Plan

Atlas offers a variety of travel insurance plans for digital nomads. Here’s an overview of each plan and what’s included.

Atlas Travel Medical Insurance

For digital nomads who want to  cover the basics and nothing more , Atlas’s base travel medical insurance plan will be the way to go. It includes emergency medical expense coverage, medical evacuation for emergencies, lost checked luggage, trip cancellation, delays, and interruptions. You also get  COVID-19 coverage  as part of this base plan.

• Overall plan limit - up to$ 2,000,000
• Medical evacuation plan limit - up to $1,000,000
• Trip interruption plan limit - up to $10,000
• Personal liability plan limit - up to $25,000

Atlas Premium Travel Medical Insurance

The Premium option is a step up from Atlas’s base travel medical insurance plan. It is handy for  those with children or who would like additional peace of mind  as they enjoy the sights and attractions abroad. It’s primarily for short-term trips. You’d get the same coverage within this policy but with higher plan limits.

• Overall plan limit - up to $2,000,000
• Trip interruption plan limit - up to $15,000
• Personal liability plan limit - up to $100,000

Annual Travel Medical Insurance

This is one of the best annual travel insurance plans for digital nomads who want a longer-term plan. You can purchase a plan that’ll cover you for each of your trips. It includes an emergency hospital room and board, an emergency room, an ambulance, and urgent care services. You also get emergency vision and dental coverage, and more. Regarding non-medical coverage, you get coverage for lost checked baggage, personal liability, natural disasters, trip interruption, and more. The benefits list is very long, so we encourage you to explore all the benefits  here  if you’re interested.

• Overall max coverage limit - up to $1,000,000

Pros and Cons of Atlas Travel Insurance:

Pricing for atlas travel insurance.

Atlas insurance prices are considered to be competitive based on industry norms. The monthly price for a 30-year-old American traveler is around $50 for the base international travel insurance package and around $100 for the premium option.

9.  IMG Travel Medical Insurance  

Extensive global health insurance plan options.

Do you prefer larger insurance companies with numerous insurance package options and great customer reviews? International Medical Group (IMG) might be the insurance company you’ve been looking for.

As an award-winning travel medical insurance benefits provider, IMG Global insurance boasts an impressive selection of insurance products for every type of digital nomad. They focus mainly on  accident coverage, evacuation assistance, and unexpected illnesses . What’s more, they have an amazing international team behind the scenes to ensure you can access the right benefits at the right time.

What’s included in IMG Travel Medical Insurance Plans

Though we all hope never to have to use a digital nomad insurance, it’s great to have access to a good plan, and IMG Global nomads insurance has several. There are  8 travel medical insurance plans in total , each curated for a specific type (or group) of travelers. For briefness, we’ll focus on the  top 2 plans  featured on the IMG website called the  Patriot Travel Series :

Patriot Lite International Travel Medical Insurance

This insurance plan is for digital nomads who take short-term trips. It covers health-related events, like medical emergencies and accidents, medical transportation, COVID-19, chemotherapy, and pre-existing conditions. But that’s not all - it also covers things like natural disaster evacuations, return of remains, personal liability, terrorism, lost luggage, and identity theft.

You can also indulge in up to  18 activities  listed in the plan benefits.

Here are a few numbers to bring things further into focus:

• Up to $1,000,000 total plan limit
• Deductible up to $2,500
• 100% coinsurance - you pay nothing after reaching the deductible
• Extend the plan up to 24 months

See the  plan details  for a complete look at what’s covered and how much the plan will pay.

Patriot International Platinum Travel Medical Insurance

The Platinum option is a no-brainer if you want more in your short-term travel medical insurance plan. This plan offers virtually all of the benefits that the “Lite” plan does. But you get more coverage overall with higher potential payouts, travel intelligence, telehealth, and evacuation. Here’s a little more about this plan:

• Up to $8,000,000 total plan limit
• Deductible up to $25,000
• 100% coinsurance
• Extend the plan up to 36 months

We urge you to look at the plan details to learn more about  this specific plan .

Pros and Cons of IMG Travel Insurance:

Pricing for img travel medical insurance.

Just like with the other insurance plans on this list, IMG has made it easy to get a quote. You’ll simply:

• Select your trip dates
• Choose a country (and whether you want coverage for the U.S.A)
• Enter the people who need coverage.
• Decide whether you want trip interruption, cancellation, or delay coverage.

Cost for Patriot International Lite

A 30-day short-term policy for a 30-year-old individual traveling to Aruba for 30 days costs  $45.75 . This does not include U.S. coverage or trip interruption, cancellation, or delay coverage. The policy max is  $100,000 .

Cost for Patriot International Platinum

The International Platinum plan costs a bit more -  $67.13 . It has a policy maximum of  $2,000,000  and a  $0 deductible .

On the whole, IMG international health insurance is affordable. You get a lot of coverage for a small investment.

You may also be interested in:

Why You Need a Digital Nomad Insurance?

Adding another expense to your travel budget may be more than a notion, but for the average digital nomad, leaving home without travel insurance is a big no-no. Digital nomads everywhere need travel insurance , and there are several reasons why.

Expenses from Accidents

Hospitals and doctor offices at many of your dream travel destinations won’t take health care plans from your home country. So, if you get food poisoning while sampling foreign cuisine, injure yourself out on the waves, or get into a car accident, you could be left with a hefty bill you’ll need to pay out-of-pocket. And if you end up needing medical transportation, things get even more expensive - hundreds of thousands of dollars more expensive. Having access to coverage in the event of an accident is essential .

Changing Travel Plans

Travel plans are never set in stone, and your itinerary could change at the drop of a hat. There may be instances when you need to rush home or move to a different location abruptly. Your travel plans could even be canceled before they begin. What do you do?

When you are not able to get reimbursement for your airline tickets, hotel stay, or other travel-related expenditures, a digital nomad travel insurance plan could really come in handy. The plan may allow for reimbursement , even for non-refundable charges, if you haven’t used those services.

Lost Luggage

When the plane lands, most are thankful they safely made it to their destination. But their luggage or backpack is lost when they go to the baggage claim. This is a frustrating situation for any nomad traveler. Sometimes, you’re able to recover your luggage, and other times it’s lost forever. Travel insurance can provide the financial assistance you need to replace lost items .

Getting Into a Country or Obtaining a Visa

Depending on where you intend to travel, you may need travel insurance to get a digital nomad visa or to enter the country as a tourist . To determine whether this is true in your case, you should talk to the governing authorities beforehand. No one wants to pay for a ticket, board a plane, and arrive at a country only to be denied entry.

Equipment Costs

Will you take a camera, laptop , or other equipment abroad with you? Some travel health insurance plans cover you if your gear is lost or stolen . There will be requirements for what's covered, but the plan could save you some frustration and money should you need to replace your gear.

As you can see, you’ll probably need insurance for your next international trip. But you shouldn’t go with just any coverage. Choose from the best international insurance plans anywhere.

What to Consider When Choosing The Best Digital Nomad Insurance

By this point, you probably have an insurance company in mind. But before you select a plan to secure your adventures, we encourage you to give things a little more thought. There are so many things to consider when choosing travel insurance for digital nomads, and we’ll go over the most important ones below to help you out.

Long-term vs Short-term Policies

Long-term policies will cater to travelers who need coverage for several months, up to a year . Plans like these will offer continual coverage during the plan period. Often, longer-term policies offer more comprehensive coverage since the insured will be away longer. And the longer you are in a foreign country, the higher your chances of experiencing accidents or unfavorable circumstances. You’ll usually pay more for a long-term policy than a short-term policy. If you plan on being gone for more than a few months at a time, a long-term policy will likely be a better fit for you than a short-term one.

On the other hand, short-term policies are good for those who’ll be taking either a single trip or a few trips over a specific period . These plans usually cover unexpected events and accidents rather than routine medical treatments.

Take a moment to decide whether a long-term or short-term plan would be better for you.

Insurance for remote work-related injuries or illnesses

As you may already have gathered, digital nomads can get injured while completing remote work duties. Some of the most common remote work-related injuries include repetitive stress injuries like tendonitis and carpal tunnel syndrome, vision issues from hours staring at a backlit computer screen, back and neck problems, slips and falls, and more. Some travel insurance plans for digital nomads contain provisions to protect policyholders from the unexpected costs associated with these injuries, but not all of them do .

Before selecting a plan, we encourage you to take a very close look at the plan documents to see whether it covers remote work-related injuries.

Medical coverage

Medical coverage is a benefit included in most digital nomad insurance plans, and that’s because medical issues can be highly expensive in a foreign country without adequate financial protection. The amount of medical coverage you’ll be privy to varies widely from plan to plan. After reading about several travel insurance plans, you may have already noticed that some plans have more comprehensive medical coverage than others.

When exploring the medical coverage portion of any digital nomad insurance plan, you should consider the following factors:

• Your coverage limit - The coverage limit is the highest total dollar limit the plan will pay for your medical costs.
• The plan deductible is the amount you’ll pay outright before the insurance coverage applies. Outlandishly high deductibles are something to stay away from, definitely.
• Covered medical services and treatment - Most digital nomad insurance plans will cover emergency medical services, outpatient treatments, and medical prescriptions. But that’s not the case with all plans. So, it’s also important to look at the plan exclusions and ensure you’re okay with those.

Repatriation coverage

For those who don’t completely understand, repatriation coverage is a benefit that typical digital nomad insurance plans provide. It covers you in the event that you need to return home due to an injury or illness . And if you pass away while you’re abroad, this plan benefit will cover some or all of the costs associated with transporting your remains back to your home country. You never know what may happen on your travels, so repatriation coverage is nice to have.

Coverage for personal property (baggage loss, electronics, etc.)

Before hopping on the plane, digital nomads often pack a computer , computer accessories, a camera, and much other equipment necessary to do their job abroad. On top of that, you need clothing and other personal effects; you’ll pack those in your checked baggage. Most digital nomad insurance plans include coverage for personal property to protect the physical items you take with you.

The way that insurance companies handle this specific benefit is to set a maximum dollar limit to cover the items . The insurance company won’t pay a dollar more than the limit set from the get-go. But don’t think that just because something was misplaced or taken from you, the insurance will automatically pay for it. There are often specific requirements and exclusions in place in regard to how much you’ll be reimbursed.

Our advice is to take inventory of what you’ll be taking with you on your trip and then verify the coverage limit for the plans you’re considering. If the limit is way below the value of your items, this is a problem.

Digital nomad insurance costs vary widely based on the insurance provider, what a given plan covers, how old you are, and more. Some 1-month travel insurance plans may cost as little as $30 to $40, while others can climb to more than $100 monthly. The more comprehensive a plan is, the more you’ll ultimately pay for it.

It’s important not to look at your insurance plan costs in a vacuum. Look at the cost, covered services, and any dangers you foresee. You don’t necessarily have to pay an arm and a leg for a good plan - as you’ve learned above, affordable digital nomad insurance options exist.

Pre-existing medical conditions

If you suffer from a pre-existing medical condition, it pays to be extra thorough when considering which digital nomad insurance plan you should choose. Let’s say you have pre-existing diabetes, and it’s not covered under your plan. Should you experience a diabetes complication during your travels, it may not be covered, and you could be out a ton of money. Even worse, some foreign countries won’t even treat you if your care isn’t covered by insurance. So, if you have a pre-existing condition, look closely at what a given plan covers and inquire about waivers for pre-existing conditions as needed.

Adventure activities coverage

One of the best things about being a digital nomad is being able to participate in activities and sports in a new and exciting atmosphere. But there’s no denying that accidents don’t discriminate by the situation - they can happen while you’re having the time of your life ziplining, bungee jumping, or rock climbing. To save you some funds and frustration, some digital nomad insurance companies include coverage for activities like these and certain sports.

But you shouldn’t assume that all of them do. Every plan is different, so before making a plan selection, make sure that you look very closely at covered activities and sports .

Emergency evacuation coverage

Emergency medical evacuation becomes invaluable when your emergency treatment plan requires moving you to a specific facility. Sometimes, the facility you find yourself in doesn’t provide enough care for your specific health situation, illness, or injury. And when you’re incapacitated and unable to get yourself to another facility, an evacuation service will transport you for an often astronomical fee.

Select digital nomad insurance plans to cover this to offset some of the costs so you can focus more on your health and less on your wallet.

Insurance Claims & Time

Wouldn’t getting your digital nomad insurance claims submitted and paid immediately would be great? It turns out that not every travel insurance company has a good handle on the insurance claims process. As a result, many digital nomads end up dealing with long claims processing times. Sometimes, submitting a claim to a travel insurance company can even be difficult.

Insurance claims can be relatively complex to process, and depending on the company, there could be hundreds, if not thousands of claims in the queue. So, when you’re looking for a digital nomad insurance provider, always ask or try to get a feel for how long it takes for a claim to be processed and paid . And find out what documentation you’ll need to provide along with a claim to minimize claims processing delays.

Political and natural disaster coverage

Political unrest and natural disasters are two universal issues people deal with. So, there’s always a chance you could be involved in a political event or natural disaster while living your best nomadic life.

Luckily, some digital nomad insurance companies have taken note of this and added this benefit to their standard or premium plans. There may even be some instances where you’ll need to pay a little extra for this benefit as an add-on. You should be sure that your policy includes these benefits if, for instance, you’re traveling to Japan during typhoon season or reporting on gang wars in Haiti.

24/7 customer support

24/7 customer support is incredibly important for digital nomad insurance providers. You never know when you might need assistance. You can rest a little easier knowing that you can speak to someone at the insurance company in real-time.

So, What's the Best Digital Nomad Travel Insurance for You?

With so many travel nomad insurance companies and plans, you may quickly realize it’s hard to choose the right one. The best travel medical insurance plan for you will depend on your age, the length of your trip, the activities you plan on indulging in, your budget, and more.

Still, from our perspective, SafetyWing stands a cut above the rest in terms of sheer value for money. But you might consider Genki if you are a new digital nomad and want a simple, hassle-free insurance-buying experience with generous benefits.

Regardless of your choice, be sure to examine the plan documents very closely before choosing and purchasing your plan. We wish you the absolute best as you insure your next great adventure!

Are You Ready To Get Insured For Your Next Digital Nomad Adventure?

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The 5 Best International Travel Insurance Companies for 2024

Allianz Travel Insurance »

AIG Travel Guard »

Generali Global Assistance »

World Nomads Travel Insurance »

GeoBlue »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best International Travel Insurance Companies.

Table of Contents

• Allianz Travel Insurance
• AIG Travel Guard

With demand for international travel still on the rise, buying travel insurance makes more sense now than ever before. Having an international travel policy in place will ensure you won't lose the money you spent if your trip is canceled or interrupted for reasons beyond your control – or if your bags are delayed or lost entirely by your airline or cruise line .

Other protective benefits come from the best international travel insurance policies as well, including travel medical coverage for unexpected medical expenses and emergency medical evacuation. You may even find that the destination you plan to visit requires travel insurance, although most countries have dropped travel insurance requirements they initially put in place due to the pandemic.

U.S. News editors compared more than 20 of the top providers to find the best travel insurance companies for trips around the world. If you're hoping to secure the best international travel policy for your needs this year, the policies outlined below provide a solid foundation for you to start your research.

Frequently Asked Questions

While many countries began mandating travel insurance for visitors during the COVID-19 pandemic, most have loosened entry requirements and dropped this condition by now. Countries that still require international visitors to have travel insurance include the following:

• Antarctica: Travel medical insurance is generally required by cruise lines and tour operators for trips to Antarctica , with a standard minimum of $100,000 in emergency medical and evacuation coverage.
• Ecuador: You do not need travel insurance to visit the country of Ecuador, but you do need insurance with medical coverage to visit the Galápagos Islands .
• Qatar: Travelers visiting Qatar for more than 30 days are required to have a travel insurance policy that is approved by the country's Ministry of Public Health.
• Saudi Arabia: Visitors to Saudi Arabia from eligible countries must pay for an eVisa, and the cost includes compulsory travel insurance coverage.

International travel insurance works the same as travel insurance for domestic trips. These plans include various coverage options and coverage limits, and a deductible may or may not apply. Travelers can choose to purchase international travel insurance for a single trip or multiple trips; long-term plans for expats and missionaries are available from some providers.

While travel insurance policies can include a broad range of coverages, the main protections you'll want for international trips include the following:

• Trip cancellation and interruption coverage: This type of protection can reimburse you for prepaid travel expenses when a trip is canceled or interrupted for a covered reason beyond your control.
• Baggage delay insurance: This coverage can pay for incidental expenses that occur when your bags are delayed for a specific period of time (usually six hours or longer).
• Lost luggage coverage: This protection can replace your luggage and your belongings or reimburse you for costs if your bags are lost by a common carrier.
• Rental car insurance: This type of insurance may provide primary coverage when you rent an eligible rental car.
• Emergency medical and dental coverage: This type of insurance will pay for emergency medical treatment or dental expenses that may arise during your trip.
• Emergency evacuation coverage: This protection can pay for emergency transportation costs when you're sick or injured during your trip.

Also note that many travelers booking an international trip choose to purchase travel insurance that offers cancel for any reason protection, so they can cancel a trip for any reason at all, even if they just decide they don't want to go. That said, adding CFAR coverage to your policy will make your travel insurance plan more expensive. Most plans also have limits on how much of your prepaid travel expenses can be refunded, which are usually capped between 60% to 80% of your trip costs.

While coverages offered through international travel insurance plans tend to be broad, keep in mind that this type of insurance won't cover every situation that could arise. Some common issues that are not covered by international travel insurance plans include:

• Acts of war
• Claims due to air or water pollution
• Claims due to natural disasters
• Epidemics not specifically included in coverage
• Extreme, high-risk sports
• Government regulations or proclamations
• Nuclear radiation and contamination
• Terrorist events
• Travel bulletins or alerts

Many travel credit cards offer international travel insurance benefits, but you should know that these coverages have some limitations. For example, travel insurance plans from credit cards never provide meaningful amounts of coverage for medical emergencies or dental emergencies. You also have to pay for each trip with your travel credit card for coverage to apply.

The best international health insurance plan depends on factors like the length of your trip, where you're traveling and how much coverage you need. While you can take the time to get quotes from several different companies, websites like TravelInsurance.com and Squaremouth make it easy to compare coverage details, limits and pricing among several providers all in one place.

The cost of international travel insurance varies and can depend on your age, the length of your trip, your total trip cost and other factors. Consider getting multiple travel insurance quotes through TravelInsurance.com to get an idea of the cost of coverage for your upcoming travel plans.

• Allianz Travel Insurance: Best Overall
• AIG Travel Guard: Best for the Cost
• Generali Global Assistance: Best for Medical
• World Nomads Travel Insurance: Best for Active Travelers
• GeoBlue: Best for Expats

Buy coverage for single trips or multiple trips at once

Annual plans available

Lower coverage amounts for emergency medical expenses than some other plans

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage up to $50,000
• Emergency medical transportation coverage up to $500,000
• Trip change protector coverage worth up to $500
• Baggage loss and damage coverage up to $1,000
• Baggage delay coverage up to $300 (12-hour delay required)
• Travel delay coverage up to $800 ($200 per day)

Add-on coverage available for lodging expenses, preexisting medical conditions and rental cars

Optional CFAR coverage available with some plans

Coverage limits for its lowest-tier Essential plan may be insufficient for some trips

Add-on coverage for preexisting conditions must be purchased within 15 days of the initial trip payment

• Trip cancellation coverage worth up to 100% of the trip cost
• Trip interruption coverage worth up to 100% of the trip cost
• Baggage coverage worth up to $750
• Up to $200 in coverage for baggage delays
• Travel medical expense coverage worth up to $15,000
• Up to $150,000 in coverage for emergency medical evacuation

Choose medical coverage limits based on your needs

Generous limits for emergency medical expenses and medical evacuation across all plans

CFAR coverage must be purchased within 24 hours of initial trip deposit and is only available with Premium plan

Rental car coverage only included in top-tier Premium plan

• Trip cancellation coverage up to 100% of the trip cost
• Trip interruption coverage up to 175% of the trip cost
• Travel delay coverage up to $1,000 per traveler ($300 daily limit)
• Up to $2,000 per person in baggage protection
• Up to $2,000 in coverage for sporting equipment
• Up to $500 per person for baggage delays
• Up to $500 per person for sporting equipment delays
• Up to $1,000 per person in protection for missed connections
• Up to $250,000 per person in coverage for emergency medical and dental procedures
• Up to $1 million in coverage for emergency assistance and transportation
• Up to $25,000 per person in rental car coverage
• Up to $100,000 per plan in accidental death and dismemberment coverage

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Coverage limits within standard plans may be insufficient

No coverage for most preexisting conditions

• Up to $10,000 in coverage for trip cancellation
• Up to $100,000 in coverage for emergency medical expenses
• Up to $500,000 in protection for emergency medical evacuation
• Up to $3,000 in protection for damage or theft to your bags or gear

Purchase international travel medical insurance for individual trips, multiple trips or long-term travel

Coverage is mostly for emergency medical expenses abroad

Some plans require a primary U.S. health insurance plan

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has covered travel and travel insurance for more than a decade. Johnson has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

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Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

MedicalForNomads

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Nomad Insurance

Get the best nomad insurance..

We provide exceptional medical insurance packages explicitly for digital nomads and frequent-flying entrepreneurs. We are serving the globe, safeguarding you away from your home turf.

List of nomad insurance locations:

We've got nomads covered., global 24/7 emergency help on all nomad insurance.

With our 24/7 global assistance as a key feature of our nomad insurance, you’re never stranded no matter where your adventures take you. Our support is just a phone call away, making your global travels safer and stress-free.

Customisable Plans for Nomad Lifestyles

Customise your nomad insurance to match your unique lifestyle. Whether you need basic medical cover or comprehensive protection, our flexible plans ensure you pay only for the cover you truly require.

Direct Payments To The Hospital

Our nomad insurance provides direct payments to the hospitals, easing your burden and giving peace of mind. We coordinate directly with medical facilities, so you can focus on your recovery without the stress of upfront costs.

Access To Healthcare Professionals

Even when you’re far from home, medical advice should be at your fingertips. Our nomad insurance includes remote access to certified medical professionals. Consult with specialists, ensuring you receive qualified advice no matter your location.

Choose your nomad insurance.

Major medical.

A cost-effective plan with a US $1,000,000 annual limit, covering essential inpatient services. Ideal for basic health needs.

Offers a US $1,000,000 annual limit and adds limited outpatient coverage up to US $25,000. Includes GP and specialist consultations.

Comprehensive

Features a US $1,000,000 annual limit and full inpatient benefits. Adds extensive outpatient coverage, and $1,000 chronic conditions benefit.

Fully Comprehensive

Offers a US $2,000,000 annual limit with full inpatient and outpatient benefits. Ideal for those seeking comprehensive coverage.

Do nomads need insurance?

Absolutely . Nomads actually require specialised nomad insurance. This is because traditional health insurance often falls short in offering global coverage, making nomad insurance an essential safety net for those frequently travelling. This type of insurance is specifically tailored to reduce unique risks, including exposure to new diseases and unexpected medical emergencies. Nomad insurance offers features such as 24/7 global emergency assistance and direct payments to hospitals, ensuring seamless access to healthcare. In summary, if you lead a nomadic lifestyle, securing a good nomad insurance plan isn’t an option—it’s a necessity for safeguarding your health, wherever your travels may lead you.

Why choose us?

Experienced insurance brokers, best rates for nomads, easy online process.

With over a decade in the medical insurance sector, our expertise is tailored to nomads and travel entrepreneurs. We’re not just insurance providers; we’re seasoned travellers ourselves, understanding the unique challenges you face.

Testimonials from real nomads.

Frequently asked questions.

Yes dear nomads, you can. Just put your current address in and feel free to keep on movin’.

Anywhere in the world except the USA. We recommend purchasing USA-specific travel insurance if you are travelling to the USA. This insurance policy is not suitable for residents of the USA.

You can choose to receive treatment in any country worldwide except the USA.

Yes – as long as your home country isn’t the USA. Apart from the USA, you’re fully covered, nomad-er where you’re from and nomad-er where you go!

No, just once per year on your renewal date. And that can all be done by email, if required.

Yes, cancer treatment (oncology) is covered – you can find full details on our “Compare Cover Levels” page.

Yes, dental treatment is covered under the “Comprehensive” and “Fully Comprehensive” cover levels. You can find full details on our “Compare Cover Levels” page.

Yes, outpatient treatment is covered – you can find full details on our “Compare Cover Levels” page.

Unfortunately, claims cannot be approved if they are either directly or indirectly related to any medical condition or related condition for which you had treatment for, had symptoms of, knew existed, or should have known existed, prior to you starting your medical insurance policy. You are covered for events after you first start your insurance policy.

Terrorism coverage is included on all cover levels and covers any medical treatment needed as a result of terrorism, and any treatment needed for a medical condition sustained as a result of terrorism.

No, this is not necessary. To make the process as simple as possible, once you have gained pre-authorisation for your treatment, the insurance company will contact the hospital to arrange for payment to be made directly.

During an emergency, you may not be in a position to notify the insurance company in advance. If this happens, please contact the insurance company as soon as possible so they can arrange for all payments to be made directly to the hospital, as well as make sure that you are being properly cared for.

Please see the “Claims” page which has full information – and you will also receive the information in soft copy format by email when you start your insurance policy.

Yes, general exclusions apply to all international medical insurance policies. For full details, please see our “T&C’s” page.

No, you can apply and get coverage within 24 hours without the need for a medical examination.

Yes they can, although it generally makes more sense to have a separate policy for each person as it costs the same and gives you the flexibility to choose different cover levels for each person if you wish.

There is a limit to the total value of claims per year, but no limit on the number of claims. For full details, please see our “Compare Cover Levels” page.

Yes, you have a 14-day “cooling off period” during which you can cancel the policy if you want to. This gives you plenty of time to read the full terms and conditions as well as compare the cover and cost of other insurances, and if for any reason you decide it’s not the right one for you, you’ll get a full refund of all premiums paid.

Yes you can choose your own hospital and doctor if you wish, and you may also ask the insurance company for recommendations based on what facilities are offered at different hospitals. If you would like to be treated at a hospital in a different country, you will need the “Global Evacuation & Repatriation” cover, which is an optional add-on to all policies for a small fixed fee.

It’s always good to have travel insurance if you travel frequently – travel insurance and medical insurance are distinctly different types of insurance. Travel insurance will cover you for things like delayed flights, lost baggage etc, whereas international medical insurance covers anything medical related. Whilst all travel insurances and medical insurances differ, as a general rule, the medical cover offered on travel insurance policies has more limitations than full medical insurance policies, and there are often additional clauses which make it unsuitable as a long-term replacement for medical insurance. Always read the small print to see which things aren’t covered!

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How Much Is Private Medical Insurance?

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Global Insurance Plans for Digital Nomads

Digital nomad insurance protects your health, finances and possessions.

One of the biggest challenges digital nomads confront is how to manage their health care. Most insurance plans cater to travelers or expats, but nomad travelers don’t fit easily into either category. So, what kind of insurance should a digital nomad get? And do you need insurance at all?

Don’t Subscribe to the “Roll the Dice” Plan

Let’s settle the last question first. A wise nomad traveler has an insurance plan available to help them when they get sick or things go sideways.

Many of the most popular remote living destinations require ill or injured people to show proof that they can pay before a hospital agrees to treat them. If you’ve had a compound leg fracture or are suffering from meningitis, the last thing you want to do is wrestle with your bank account’s international ATM limits to get the cash to pay the bill in advance. The right digital nomad insurance plan will be the proof you need to show you can pay. It can also protect you when you encounter issues like flight cancellation, lost baggage, or stolen items.

You can get digital nomad insurance even if you are planning to travel back to your home country for short stints while you are a nomad traveler. There are two major different types of medical insurance for remote living - one of them will be the right one for you.

Travel Medical Insurance vs. International Health Insurance

There are two types of insurance that nomad travelers can get. The best plan for you will depend on your individual needs and your nomadic lifestyle.

Travel medical insurance is designed to take care of urgent medical needs. If you sprain your ankle in Sicily or get strep throat in Sydney, digital nomad insurance will cover your visit to a local medical facility. If it’s more severe – say you’re run over by a motorbike in Rio de Janeiro or have a heart attack in Hanoi – your travel medical policy will stabilize you and transport you home for recovery. But for some people engaged in remote living, going “home” is not an option so this may not be a good fit.

Travel insurance will cover you even in cases of a minor health issue such as a cold. If you need an elective procedure, you’ll need insurance with more coverage. It’s important to note that “elective” doesn’t mean “not important.” It means “can be scheduled in advance.” So if you have kidney stones, a hernia or need to have pins removed from a broken leg, for example, you will need insurance that has a broader scope than travel insurance.

Some travel insurers have direct billing networks, so you won’t see a bill. When the provider you’re seeing is not part of an insurer’s direct billing network, you will pay for your care, and insurance will reimburse you for eligible expenses.

Great travel medical policies also have benefits such as natural disaster evacuation, coverage for lost baggage, and more. Most plans will cover you for up to 12 months. Because coverage is more limited in the medical benefits offered, it’s more affordable than international medical insurance.

Recommended Travel Insurance for Digital Nomads

Best for premium coverage.

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

Best for Coverage on a Budget

Seven Corners Travel Medical Insurance

• Comprehensive medical coverage with benefits up to $5,000,000.
• Adventure activities coverage available.
• Emergency Medical Evacuation protection up to $500,000.

International health insurance , also called international medical insurance or global medical insurance , covers your urgent medical issues as well as your everyday needs. They are annually renewable plans that offer more comprehensive medical benefits but fewer travel insurance benefits like cover for lost luggage.

If you want standard medical checkups like routine physicals, Pap smears and mammograms while you are on the road, international health insurance will cover you. If you need elective surgery such as a biopsy, meniscus surgery for your knee, or a tonsillectomy, that’s where international health insurance comes in. Many plans also cover travel vaccinations, surgery and medical transportation such as ambulances and medevac flights. You can also get coverage for your child to receive regular medical care.

If there is a medical prescription you rely on, many plans will cover the cost, as well as the cost of the doctor’s visit to get it prescribed in your new location. Some plans also offer dental and vision benefits. And many plans have networks that will direct bill your care to the insurance company, so you never have to see a bill. Generally speaking, you need to be out of your country for three months or longer to get an international health insurance plan.

Recommended International Health Insurance for Digital Nomads

Best for u.s. citizens.

Xplorer Worldwide Medical Plan

• Premium Benefits, Coverage and Service
• Define your deductible and prescription benefits
• For Foreigners in the US or US citizens abroad

Best for International Citizens

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Which One is Right for Me?

The matrix below gives several scenarios that should help you sort out which kind of digital nomad insurance you need. You can also get a free quote and our staff will find the best plan for your needs.

For the Adventurous: Extreme Sports Travel Medical Insurance

There are many exciting things to do when you’re on the road. You might want to try cave diving at Cenote Angelita in Mexico, parasailing in South Africa, swimming with sharks in Indonesia or zorbing in New Zealand. But if you read the fine print on your travel insurance plan , you’ll learn that most of these activities aren’t covered. If you plan to participate in these exciting activities, you’ll want adventure sports travel insurance such as the SafeTreker plan from Trawick International.

For “Grey Nomads”: Insurance for Seniors

If you are a nomad who is over 65, there are special considerations when it comes to your international health insurance and travel medical insurance. See our detailed pages on international health insurance for retirees abroad and the best travel insurance for seniors .

World Nomads Travel Insurance Plans

The World Nomads Standard Plan covers a list of over 100 activities. The World Nomad Explorer Plan covers even more adventures you may choose to go on and also offers higher insurance limits than the Standard Plan. Both plans include coverage for trip cancellation, emergency medical care and transport, lost gear and technology and more.

World Nomads Travel Insurance

• Coverage for 200+ adventure activities
• Generous benefits for lost and stolen bags and gear
• 24/7 emergency assistance

World Nomads provides travel insurance for travelers 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.

Stay Safe on Your Nomadic Journey

The digital nomad lifestyle is incredibly rewarding. But your experience can be disrupted or destroyed by an accident, an illness, or lost or stolen gear. Protect yourself with the right digital nomad insurance for your specific remote living style, and explore knowing that you’re protected no matter what bumps you encounter on the way.

Also Read: Health Insurance Plans for Working Abroad

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Global travel medical insurance that covers people from all over the world.

Nomad Insurance is a travel medical insurance that covers you for extended travel all over the world, while outside your home country.

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Health insurance to cover employees and contractors worldwide under one plan.

Remote Health is a global health insurance for companies. Cover your employees and contractors worldwide under one plan.

SafetyWing is your home country on the internet

We're here to remove the role of geographical borders as a barrier to equal opportunities and freedom for everyone .

We are building a global social safety net

National infrastructure hasn’t kept pace with the changing needs of digital nomads and remote workers. The internet has allowed people to break out of the cultural norms of their home countries and live, work and form communities how they choose.

Our products are designed by a team that has always been fully remote, distributed across six continents.

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Nomad insurance.

Travel coverage for when you get sick or injured while abroad, designed specifically for digital nomads. Buy anytime and anywhere with ongoing coverage.

Nomad Health

Fully-equipped global health insurance in your home country and anywhere you travel, designed for remote workers, digital nomads and their families.

Remote Health

One group policy for 175+ countries, Remote Health is a complete health insurance solution for remote companies and globally distributed teams.

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Travel insurance, smart benefits solutions - built for you to live, work, and play wherever you are - get travel insurance now, robust coverage to reduce the uncertainty peace of mind beyond the policy travel the world with confidence and protection.

Single Trip Coverage

World explorer, travel medical insurance for trips 7 to 364 days, perfect for vacations, work travel, and more. as low as $2.87 per day..

Trip Protection Insurance

World explorer guardian, trip cancellation travel insurance, medical, evacuation, benefits and more. currently eligible for us residents only.

Taking multiple trips this year?

World explorer multi, an annual policy for when you are taking short trips and returning back to your home country between trips..

Warzone Coverage

World explorer hotspot, uniquely designed travel insurance for areas of conflict, warzones, or hotspots such as afghanistan, israel, sudan & ukraine..

Seamless Global Benefits

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Group Health Plan

Employee benefits and international health insurance for modern companies & organizations, inc: smart travel tool at your fingertips.

12-month INC membership that provides in-app benefits including mental health support, cyber risk protection, and perks around the world such as airport lounge access & and so much more.

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Travel insurance plans.

World Explorer : Best if you have short-term workations, business trips, leisure vacation, or something similar. Primarily for travel medical coverage from 7 days up to 364 days. Choose from your desired medical maximum, deductible, and preferred area of coverage.

World Explorer Guardian : U.S. residents only. Best if you are traveling overseas and need more than just short-term medical coverage. We will protect your trip from trip cancellations, medical needs, evacuation, travel benefits and more. 50, 250, and 500 plans are in line with their respective amounts of medical maximum coverage: $50,000, $250,000, and $500,000. Choose from your desired medical maximum, deductible, and preferred area of coverage.

World Explorer Multi : Best if you know your travel plans for the year and come back home in between trips. Coverage is the same as World Explorer

World Explorer Hotspot : Our warzone insurance plan if you plan on going into an area of conflict. Whether you are reporting the news in Afghanistan, conducting humanitarian aid in Iraq, or caring for the needs of others in Sudan, we’ve got your back & may the force be with you.

• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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