8 Best Digital Nomad Health Insurance (2026 Guide)

Digital nomads live across multiple countries, which makes traditional health insurance almost impossible to rely on. Most domestic plans stop covering you once you leave the country. Enter: digital nomad health insurance. 

Digital nomad health insurance solves this problem by offering international medical coverage designed specifically for remote workers living abroad. From routine doctor visits to emergency surgeries, these plans cover you from head to toe (literally). 

Unfortunately, the majority of digital nomads don’t consider looking for full-coverage digital nomad health insurance because they don’t think they’ll need it. 

In this guide, we’ll discuss the best digital nomad health insurance policies with full health coverage while abroad to stay healthy and save money in case of serious illness or accident. We’ve looked at coverage, cost, flexibility, and sustainability to ensure you’re getting the support you need while living abroad.

Quick Comparison of the Best Digital Nomad Insurance

Provider	Best For	Starting Price	Coverage Type	US Coverage
Safetywing Essential	Budget nomads	$62.72/month	Travel medical	Limited
Safetywing Complete	Long-term nomads and expats	$161.50/month	International health	Add-on option, limited
Genki Traveler	Slow travelers	€52.50/month	Travel medical	Limited
Genki Native	Long-term nomads and expats	€180/month	International health	Limited
IMG Global	Custom plans	$320/month	International health	Add-on option
Cigna Global	Premium coverage	$200/month	International health	Yes
Allianz Care	Custom & family plans	$250/month	International health	Add-on option
Allianz Flexicare	Short-term digital nomads and family members	$120/month	International health	Add-on option

Best Digital Nomad Health Insurance Policies

Now that we know why digital nomads should consider an international health insurance policy and why they are different from travel insurance, let’s dive deep into the top-ranking and most recommended digital nomad health insurance companies around today. 

Safetywing Essential: Best for Budget Travelers

Who is Safetywing Essential for? Safetywing Essential is for healthy digital nomads who are budget-savvy and are not legally residing abroad. They are slow travelers, frequently moving from one place to another. 

Starting Price: $62.72/month

Pros of Safetywing Essential

Cons of Safetywing Essential

Safetywing Essential is a travel medical insurance for digital nomads traveling abroad for up to 364 days and want coverage in case of a medical emergency or trip disruption. 

You never know what can happen while abroad. Safetywing Essential puts your mind at ease, covering up to $250,000 in new and unexpected medical issues, including hospital stays, surgeries, and medications. Plus, they’ll cover any lost luggage, travel delays, and emergency evacuations. 

And if you decide to spend some time in your home country during the insurance term, you are covered for up to 30 days (15 days in the U.S.).

Safetywing Complete: Best for Long-Term Budget Travelers

Who is Safetywing Complete for? Safetywing Complete is for digital nomads who are living abroad for more than 365 days and want preventative and emergency medical care. 

Starting Price: $161.50/month

Pros of Safetywing Complete

Cons of Safetywing Complete

For digital nomads living abroad with a digital nomad visa, Safetywing Complete is an international health insurance with medical coverage up to $1.5 million. 

You can see any doctor or visit any hospital and be reimbursed for your expenses within 10 days. It’s extremely easy to sign up, and there is no health pre-check before activating your insurance policy. With Safetywing Complete, your medical needs are covered, including accidents, outpatient care, routine and preventative checkups, mental health, cancer, and maternity care. 

Additionally, unlike many international health insurance policies, it also covers travel incidents, such as trip interruption, delays, or stolen belongings. 

Genki Traveler: Best for Slow Travelers

Who is Genki Traveler for? Genki Traveler is best for digital nomads traveling for less than 365 days abroad who want medical coverage for accidents and emergencies (including recreational and adventure activities). 

Starting Price: €52.50/month

Pros of Genki Traveler

Cons of Genki Traveler

Genki Traveler is a unique insurance for digital nomads as it covers medical emergencies, including accidents from sport or recreational activities, while abroad for up to 12 months. However, it differs from other travel medical insurances, as it does not offer coverage for travel-related incidents—something to consider when shopping around. 

The claims process is easy, filling out a simple online form and uploading related documents. Reimbursements take a few days. Plus, there is 24/7 assistance, allowing you to get help or answers about your policy no matter what time zone you may be in. 

While coverage is available worldwide, trips to Canada or the U.S. are limited to just the first 7 days of your stay with the base plan. There is an additional add-on feature if you plan to stay in these countries longer. Genki Traveler offers coverage in your home country for up to 6 weeks, if you decide to take a short break from your travels. 

We recommend signing up for Genki Traveler before you leave for your trip. There is a waiting period for the insurance to begin. If you do not already have an insurance policy while abroad, coverage of medical emergencies starts 14 days after the insurance start date.

Genki Native: Best for Long-Term Digital Nomads

Who is Genki Native for? Genki Native is for digital nomads and expats living abroad for at least 12 months who want in- and outpatient care for routine medical checks and emergency services. 

Starting Price: €180/month

Pros of Genki Native

Cons of Genki Native

Digital nomads and expats who have settled down abroad long-term can benefit from Genki Native, a comprehensive international health insurance policy. With tiered plans, you can choose from €1 million annual coverage or unlimited medical coverage. 

Genki Native is the digital nomad health insurance that covers both preventative care and emergency treatment. Premium plans also offer dental, vision, and mental health coverage. That means you can take the steps you need to stay healthy and prevent those medical emergencies ahead of time. And the best part? You can see any doctor of your choice—no in-network providers required. 

With an easy sign-up process and simple claims forms, Genki Native takes the complexity out of digital nomad health insurance policies. Plus, the 24/7 assistance makes it easy to get clear answers about your policy when you need it. 

IMG Global: Best for Customizable Plans

Who is IMG Global for? IMG Global is best for digital nomads who want a truly customizable health insurance policy to match their remote lifestyle that covers both preventative and emergency medical care. 

Starting Price: $233.80/month

Pros of IMG Global

Cons of IMG Global

With four tiers of medical coverage to choose from, IMG Global is a great digital nomad health insurance for those who want to build a customizable policy. You can choose your deductible, how often you want to pay (which can decrease the premium payment), coverage area, and add-on services like dental and vision. 

This digital nomad health insurance also covers pre-existing conditions and is available for those travelers 74 years or younger. You can also visit any doctor or hospital of your choosing – no need to stay within their network! 

The thing about IMG Global is that they can be considered complex for digital nomad health insurance. They are a traditional insurance company with an extended global service. So, understanding the policy and when you might receive coverage can be more complicated than other nomad-focused insurance companies. 

IMG Global’s international health insurance solely focuses on medical coverage. However, there is an add-on service that protects your devices, including phone and laptop, in case of theft or damage while traveling. And you know how those are lifelines for digital nomads that deserve protection. 

Cigna Global: Best for Premium Worldwide Coverage

Who is Cigna Global for? Cigna Global is ideal for digital nomads who want comprehensive international medical insurance with access to a wide network of doctors and medical professionals from a well-known insurance company. 

Starting Price: $150/month

Pros of Cigna Global

Cons of Cigna Global

Remote workers searching for digital nomad health insurance from a premium insurance company can choose Cigna Global. The company has partnered with over 2 million doctors and hospitals in 200 countries (that’s just about all of them!) to provide coverage with their digital nomad health insurance. Additionally, with their large network, they offer direct billing, saving you the upfront cost and reimbursement. 

Cigna Global offers multiple tiers of digital nomad health insurance. You can build and customize a plan that works for your health needs and your wallet, choosing the deductible amount and coverage. For example, the Platinum plan has no deductible, full cancer care, maternity, and fertility treatments included. Whereas the Silver plan offers $1 million in annual coverage and a guaranteed private room for inpatient treatments. 

To further customize plans, digital nomads can add additional coverage for dental and vision, chiropractic care, and evacuation in case of political instability. Offering a secure online portal to upload your medical documents and 24/7 assistance, this digital nomad health insurance is a no-brainer for remote workers choosing to travel the world. 

Allianz Care: Best for Families

Who is Allianz Care for? Allianz Care is for digital nomad families living abroad for a year or more who need comprehensive medical coverage for preventative and emergency care with customizable plans. 

Starting Price: $250/month

Pros of Allianz Care

Cons of Allianz Care

Moving abroad as a family comes with the responsibility of finding a digital nomad health insurance that offers comprehensive coverage for all members. Allianz offers comprehensive health coverage through its Care plans. They’re perfect for expats and long-term digital nomads seeking preventative and emergency medical coverage.

Care plans are customizable, starting with packaged tiers and available add-on services depending on your health needs. And when you file a claim, they usually take just 48 hours to process and reimburse your medical costs—almost unheard of in the world of digital nomad health insurance. 

They also offer region-specific healthcare plans, so you and your family have everything you need based on where you’re traveling. Countries include Egypt, Dubai, Lebanon, Indonesia, Singapore, Vietnam, China, Switzerland, and more. 

Allianz Flexicare: Best for Short-Term Family Travel

Who is Allianz Flexicare for? Allianz Flexicare is for remote workers and their family members who plan to travel or live abroad for months at a time, not for a full year, but still want comprehensive digital nomad health insurance. 

Starting Price: $120/month

Pros of Allianz Flexicare

Cons of Allianz Flexicare

For digital nomad families who plan to travel abroad for less than a year, Allianz also offers a Flexicare digital nomad health insurance option. This plan is valid for either 3, 6, or 9 months, offering comprehensive medical coverage for hospital visits, prescriptions, vaccinations, general practitioner visits, and additional tests. 

While it only offers part-year coverage, it is still a comprehensive medical insurance abroad. This provides peace of mind for those traveling with family members, especially children, who may need to see doctors periodically for preventative checkups or vaccines. 

The benefit of Allianz Flexicare is that digital nomads have access to their global network without paying the price and committing to a full-year international health insurance policy. However, since it is a short-term digital nomad health insurance, the coverage threshold is lower than most full-term policies. 

Why Do Digital Nomads Need Health Insurance?

Let’s face it, choosing a remote lifestyle means being responsible for your health. Otherwise, your traveling days could come to a halt rather quickly if you don’t take care of yourself. 

One way to do this is by having a digital nomad health insurance policy with full coverage for preventative care and for emergencies. 

Safety and Security

No matter where you are in the world, you know that you have insurance that will help you with medical expenses. 

Some digital nomad health insurance companies even have telehealth services, so you can speak to a doctor without ever leaving your Airbnb or hotel. 

Knowing that you have some financial security when it comes to medical bills can help you budget for your remote lifestyle better, too. 

Peace of Mind

Do the hard work of finding a good digital nomad health insurance now and have peace of mind later. 

One of the worst things you can encounter is becoming ill and needing medical attention without having a plan or insurance coverage. You’re already not feeling well; why put more pressure on yourself to find a doctor who speaks your language on your own and pay out of pocket for their services? 

Digital Nomad Visa Applications

Digital nomads who fall in love with a particular country and want to stay there for a year or two can do so by applying for a digital nomad visa. 

However, one of the requirements of a digital nomad visa is to submit a digital board health insurance policy with coverage in the country. Sometimes digital nomad visas require that you are covered for a certain amount. For example, Portugal requires at least €30,000 in medical coverage. 

What’s the Difference Between Digital Nomad Health Insurance and Travel Insurance?

There are stark differences between digital nomad or international health insurance and travel insurance. 

Many digital nomads assume they can just get a simple travel insurance policy and be covered while abroad. Unfortunately, digital nomads require more coverage than a regular travel insurance policy provides. 

Feature	Travel Insurance	Nomad Health Insurance
Trip Cancellation	✅	❌
Emergency Care	✅	✅
Routine Doctor Visits	❌	✅
Long-Term Coverage	❌	✅
Visa Compliance	❌	✅

Coverage

Travel insurance will cover accidents or mishaps related to travel or serious accidents that require medical attention. For example, if your baggage is lost or your flight is delayed, travel insurance will reimburse you. However, if you wish to have a routine checkup with a primary care doctor, travel insurance will not cover this. 

Digital nomad health insurance offers coverage for medical appointments and expenses, including routine checkups, hospital visits, medical tests, and even prescriptions. 

Some digital nomad health insurance policies may cover travel incidents, such as repatriation, but they mostly focus on medical care. 

Price

Digital nomad health insurance policies tend to be a bit more expensive than travel insurance policies. It’s for good reason, though!

You are much more likely to take advantage of your health insurance policy than your travel insurance. 

We take out travel insurance policies in hopes of never having to use them. That would mean that something went wrong with your trip. 

Digital nomad health insurance allows you to use it for preventative care and pay attention to any illness or ongoing treatments you may need. 

So, while digital nomad health insurance may cost a little more, it is worth the price!

Validity

Digital nomad health insurance can be valid for years at a time. It depends on your remote lifestyle and how long you set your policy for. 

Travel insurance must have a start and end date. Usually, this can only be valid for a few weeks to a few months. You’ll rarely find travel insurance that will cover you for an entire year. 

How Much Does Digital Nomad Health Insurance Cost?

The main factor most digital nomads consider when choosing an international health insurance policy is the price. Completely understandable—as a nomad, you want to stretch your dollar as far as you can to ensure you can continue traveling. 

Below is a chart of the typical monthly costs for digital nomad health insurance based on your age. 

Age	Average Cost
20-30	$161 to $500
30 – 40	$232 to $650
50-70	$350 to $1,200

Important: These are average cost estimates; your actual monthly premium will depend on your health condition, age, and location. 

There are many factors that go into the pricing of your digital nomad health insurance. These include:

• Deductible: The out-of-pocket amount you must pay before insurance covers expenses
• Coverage Area: Some countries, such as Singapore, Hong Kong, and the U.S. may cost more for coverage.
• U.S. Inclusion: Many policies offer coverage in the U.S. for an additional fee.
• Age: Your age and health can determine the price of your monthly premium. 
• Payment: Some digital nomad health insurance companies offer discounts if you make annual or quarterly payments. 
• Add-Ons: If you include additional services, such as dental and vision, this will increase the price. 

When shopping around for digital nomad health insurance, try to get as many quotes as possible. But don’t just go with the cheapest—you want to look at the coverage, claims processes, and overall benefits. 

Choosing a Digital Nomad Health Insurance Policy

Even though I just recommended a handful of digital nomad health insurance policies for you to consider, you may still be confused or overwhelmed about which one to choose. 

So, let’s dive deeper into what you should consider when choosing a digital nomad health insurance policy because there is no one-size-fits-all solution. 

Coverage Area

Some digital nomad health insurance policies do not offer coverage in certain countries. For example, you’ll need to add special coverage for Safetywing if you plan to stay in Singapore or Hong Kong. 

Other policies may not provide coverage in the country where you are a citizen. For digital nomads from the United States, this could be a bit of a hassle if you decide to spend some time at home. 

Before signing up for a digital nomad health insurance policy, make sure you will be covered in all of the countries you plan to visit. 

Medical Benefits and Coverage

While most of the policies on this list offer comprehensive coverage, your health may require specific coverage. Whether it is maternity, cancer treatment, or mental health, read the policy coverage carefully to ensure you are covered for exactly what you need to stay healthy. 

Deductibles

Most health insurance policies will come with annual deductibles. This is a set amount that you must spend out-of-pocket or along with insurance coverage before the insurance takes full responsibility of your medical expenses. 

Deductibles can range from $0 to $5,000, depending on the insurance plan you choose. 

If you have a higher deductible, it’s a good idea to keep this amount in your savings to make sure you always have enough to cover it throughout the year when needed.

Oftentimes, the higher the deductible, the less expensive the monthly premium. 

Monthly Premiums

Each month, you will have to pay a premium for your digital nomad health insurance. This will depend on your coverage, age, pre-existing conditions, and deductible. 

As mentioned, if you have a low deductible, your monthly premium may be higher than if you had a higher deductible. 

It’s up to you to weigh the advantages of being expected to pay a large sum throughout the year out-of-pocket for a low monthly rate or no money out-of-pocket or a higher monthly rate. 

Emergency Evacuation

In case you need medical treatment that your current hospital does not provide, emergency evacuation can get you to where you need to be. If you’re traveling in remote destinations where major medical services are not guaranteed, you’ll want to make sure emergency evacuation is included in your policy. 

Pre-Existing Conditions

If you have pre-existing conditions, such as chronic illnesses, then you’ll want to find a digital nomad health insurance that offers coverage. Unfortunately, many policies do not cover pre-existing conditions and if they do, your monthly premium could increase. 

Mental Health Coverage

Your health is more than just what goes on in your body; it’s also about your mind. If you struggle with mental health or simply want the option to seek treatments if needed, opt for a digital nomad health insurance that offers coverage. 

Coverage in Your Home Country

Many digital nomads go back to their home countries for a couple of weeks a year to see friends, family, or take care of bureaucracy. Having a digital nomad health insurance that offers coverage, even if limited, in your home country can provide even more peace of mind during your travels.

This is especially important to consider if you are from the United States, where costs can be extremely high. 

Digital Health Services

As a digital nomad, you need to have access to your digital nomad health insurance platform and company no matter where you are in the world. 

When choosing a digital nomad health insurance, it’s a good idea to see what type of digital services they offer. Whether it’s telehealth appointments, online portals, or insurance claims via an app or email, you want to make sure you always have access to customer service and doctors, no matter where you are. 

Direct Billing vs. Reimbursement

How your digital nomad health insurance pays for your medical expenses can be another deciding factor in which policy you choose. 

Most digital nomad health insurance policies require you to make the payment upfront and then reimburse you after processing your claim. However, if you do not want to be liable for the upfront payment, you can find a company that handles direct billing. 

The only caveat is that with direct billing, you often have to go within network medical providers, giving up your freedom to go to any doctor or hospital. 

Digital Nomad Visa Insurance Requirements

So, why are we talking about digital nomad health insurance policies at Nomads Embassy? Most (if not all) digital nomad visas require applicants to have a comprehensive health insurance policy with coverage in the country for the duration of the visa. 

Typically, your digital nomad health insurance policy should offer repatriation, be valid for the visa term, and cover you in the country. However, some countries have set coverage amounts that your policy must follow:

• Portugal – €30,000 coverage
• Belize – $50,000 coverage
• Japan – $68,300 coverage
• Nepal – $100,000 coverage
• South Korea – $77,250 coverage
• Turkiye – $30,000 coverage

When choosing an international health insurance policy when applying for a digital nomad visa, you’ll want to avoid the travel medical insurance (like Safetywing Essential, Genki Traveler, or Allianz Flexicare). These often do not meet the criteria of most digital nomad visas. 

Start Your Digital Nomad Journey with Nomads Embassy

Choosing a digital nomad health insurance is just one part of embarking on your nomadic lifestyle. Whether you’re considering applying for a digital nomad visa or simply looking for a reliable community of other digital nomads, Nomads Embassy is here to simplify your remote lifestyle. 

As the World’s First Embassy for Digital Nomads, we are here to assist you with even the most complicated aspects of the digital nomad lifestyle. From taxes to residency to visas to banks to health insurance, you can count on us! 

Want to connect with other like-minded digital nomads? 

Join our exclusive community and get insider tips and recommendations about being a digital nomad today! 

Frequently Asked Questions About Digital Nomad Health Insurance