Top Travel Insurance Plans for Digital Nomads 2019

Travel insurance for digital nomads

Travel insurance is a type of insurance designed to cover losses that can occur while travelling internationally or domestically. These travel insurance plans for digital nomads will give you peace of mind while you’re exploring exciting new locations.

Why is Travel Insurance Important?

Life on the road can be unpredictable, and you want to make sure you’re protected in the event of unexpected losses or unplanned expenses. Whether it’s losing your luggage or needing an emergency doctor’s visit, travel insurance can help to cover any unfortunate incidents you might run into along the way.

What Should Travel Insurance Cover?

The scope of your coverage will depend on your specific provider and policy, but here are a few of the key things you should be covered for when travelling as a digital nomad:

Emergency medical assistance: If you get sick or injured, you want to make sure you don’t get stuck with a massive bill for doctor’s visits or a hospital stay. Even if you have health insurance in your home country, your healthcare plan might not extend to travels abroad. Emergency medical insurance could save you a great deal of expense and stress.

Note that adventure sports and extreme sports are often not covered in standard emergency healthcare plans. Sporty daredevils might need to take out additional coverage for these activities.

Medical evacuation and repatriation: If you need to be flown home for treatment or airlifted to a medical facility, this is separate to any local treatment you might need, and goes beyond the maximum coverage of a standard plan.

Loss, theft or damage of personal possessions: Make sure all your most important luggage is insured against loss, damage or theft. This should include your documents, electronics and valuables, and it’s also a good idea to cover less expensive items like your clothes and toiletries.

Trip cancellation or interruption: Sometimes your travels don’t end up going according to plan, and you need to cancel or make alternative arrangements. Get coverage for cancellations of pre-paid, non-refundable flights and hotel bookings, so you won’t be left out of pocket when an unexpected change of plan comes up.24-hour emergency assistance: The best providers will also offer assistance round the clock for travellers across different time zones.

Top 5 Travel Insurance Providers for Digital Nomads


Allianz Global Assistance: A well-established provider with numerous packages available.


  • Offers coverage for up to a year
  • Offers a OneTrip Premier Plan for global travellers
  • Offers annual plans with continuous coverage for international trips throughout the year


  • Packages cannot be customised
  • No coverage for extreme sports or adventure activities
  • Higher prices on average
  • Not available in certain countries
  • Insurance must be purchased before the traveller leaves their home country


True Traveller: A London-based provider with a focus on covering more adventurous travellers and nomads.


  • Covers an extensive range of adventure activities
  • A policy can be purchased while already travelling
  • Includes 24/7 global medical assistance
  • The standard plan is customisable
  • No limits to home visits


  • Only available to UK and European Economic Area (EEA) residents
  • Basic plans tend to be affordable but limited
  • Travellers are not covered during home visits
  • Policy extensions are costly
  • Medical coverage option does not include private healthcare unless public healthcare is unavailable


IMG Travel Health Insurance: This reputable brand is known for good medical coverage, with a package available for thrill-seekers.


  • Offers a plan tailored for adventurous activities like helicopter tours, scuba diving, rock climbing, etc.
  • Extensive and generous medical coverage
  • Known for high standards of customer service
  • Affordable policy extensions and renewals


  • Known for slow claim processing times
  • Limited opportunities for customisation
  • Medical coverage is separate to other coverage (lost luggage, cancellation, etc.)
  • Not primary health insurance – travellers still need to have healthcare insurance in their home country
  • Travellers cannot return to their home country for more than 14 days at a time 
  • US citizens may not return home at all without the policy being terminated


World Nomads: This provider aims to meet the needs of long-term and short-term travellers alike.


  • Comprehensive coverage
  • Claims can be quickly processed online
  • Travellers can purchase or extend policies indefinitely online
  • Coverage available for adventure sports and activities 
  • Caters to 150 countries
  • No limit to the length of insurance


  • Not primary health insurance – travellers still need to have healthcare insurance in their home country
  • Terms may vary greatly from country to country
  • Only covers a single trip home


SafetyWing: This relatively new startup is quickly becoming a firm favourite provider of travel insurance for digital nomads.


  • Travellers don’t have to be a resident of their home country to purchase the insurance
  • Economical prices, especially for travellers under the age of 39 
  • Provides the option for monthly payments
  • Includes an auto-renewal option
  • Home visits of up to 30 days are allowed
  • Medical coverage includes private hospitals and doctors
  • Supports direct billing to a large number of hospitals


  • Does not cover activities with a high degree of risk

If you’re thinking of signing up for a coworking retreat in an exotic location, speak to Work Wanderers for advice on the best travel insurance for digital nomads.

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