Looking for the best travel insurance for digital nomads 2025? Compare top-rated plans like SafetyWing, Genki, World Nomads, and more. See costs, coverage, pros & ideal options for long-term, remote, and international travelers.
In 2025, the rise of remote work and location-independent lifestyles continues to fuel the growth of the digital nomad community. Whether you’re hopping between European cities, working from a beach in Southeast Asia, or exploring Latin America while managing your business online, one thing is certain—travel insurance is no longer optional.
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From unexpected medical emergencies to lost tech gear and trip cancellations, having the right travel insurance can save you thousands of dollars and loads of stress. But with so many options on the market, how do you know which one suits your nomadic lifestyle?
In this guide, we break down the best travel insurance for digital nomads in 2025, comparing top providers, key features, coverage types, and essential tips to help you stay safe, healthy, and financially secure wherever you roam.
🧭 Why Digital Nomads Need Specialized Travel Insurance
Most traditional travel insurance policies are designed for short-term vacations—not for remote workers who travel indefinitely. As a digital nomad, your needs are unique:
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- Long-term coverage across multiple countries
- Remote medical care, including telehealth services
- Coverage for expensive gear like laptops, cameras, and phones
- Flexible plans you can purchase or renew while already abroad
- COVID-19 coverage and emergency evacuation
Without the right policy, you could find yourself stuck with thousands of dollars in bills for something as simple as a broken ankle or stolen laptop.
🌍 Top 7 Travel Insurance Providers for Digital Nomads in 2025
Here’s our handpicked list of the best insurance providers in 2025, based on coverage, affordability, flexibility, and digital nomad-specific features.
1. SafetyWing – Best Overall for Digital Nomads
Price: Starting at $45.08/month
Coverage Limit: $250,000
Deductible: $250
Why It’s Great:
SafetyWing is designed specifically for remote workers and digital nomads. It offers flexible, subscription-style insurance that you can start or cancel anytime. Coverage spans 180+ countries and includes COVID-19, telehealth, and unexpected quarantine costs.
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Pros:
- Extremely affordable
- Worldwide coverage
- Covers COVID-19
- Covers children under 10 (1 per adult) for free
- Buy and renew from abroad
Cons:
- Limited coverage in your home country (30 days every 90 days for U.S. citizens)
- Adventure sports coverage costs extra
2. Remote Health by SafetyWing – Best for Comprehensive Coverage
Price: From $120/month
Coverage Limit: Up to $1,500,000
Deductible: None
Why It’s Great:
If you’re looking for global health insurance, not just travel insurance, this is your best bet. It’s ideal for full-time digital nomads who need more robust medical coverage including pre-existing conditions, cancer treatment, maternity, and mental health care.
Pros:
- No cap on coverage length
- Covers most pre-existing conditions
- Full health insurance, not just emergency
- Telehealth included
Cons:
- More expensive than typical travel insurance
- Must apply for approval
3. Insured Nomads – Best for Adventure Seekers
Price: Varies based on plan and duration
Coverage Limit: Up to $2,000,000
Deductible: Flexible
Why It’s Great:
Insured Nomads combines comprehensive travel insurance with mental health, telemedicine, and crisis response services, including evacuation for political unrest. Great for those traveling to riskier or off-the-beaten-path destinations.
Pros:
- High medical coverage limit
- Crisis response and evacuation
- Covers extreme sports and adventures
- Mental health and counseling support
Cons:
- Pricing can be higher
- Not as well known as SafetyWing
4. Genki – Best for Simplicity & Affordability
Price: From €39/month (Basic Plan)
Coverage Limit: €1,000,000
Deductible: €50
Why It’s Great:
Genki is a Germany-based insurance provider that has quickly become a favorite among nomads, especially in Europe. The sign-up process is simple, the website is clean, and the coverage is solid for those needing basic health and emergency insurance.
Pros:
- Transparent pricing
- Digital nomad-friendly terms
- EU-regulated
- Optional mental health and dental coverage
Cons:
- Not ideal for U.S. citizens
- Limited adventure coverage
5. World Nomads – Best for Frequent Travelers & Backpackers
Price: Depends on your country and trip duration
Coverage Limit: Up to $100,000
Deductible: Varies
Why It’s Great:
World Nomads has long been a staple in the travel insurance world. With coverage for over 200 adventure sports and extensive travel delay benefits, it’s perfect for adventurous nomads on the go.
Pros:
- Extensive activity and gear coverage
- Covers travel delays, theft, and trip cancellations
- Good reputation and reliable support
Cons:
- Can be pricey for long-term coverage
- Not designed for remote workers needing long-term health coverage
6. Allianz Travel – Best for U.S. Citizens
Price: From $135/year for basic annual plan
Coverage Limit: Up to $500,000
Deductible: None
Why It’s Great:
If you’re a U.S.-based digital nomad returning to the U.S. frequently, Allianz is a good option for annual coverage that includes trip cancellations, delays, and medical emergencies.
Pros:
- Strong support for U.S. residents
- Annual multi-trip plans
- Good trip protection benefits
Cons:
- Less flexible than other options
- Not tailored specifically to digital nomads
7. True Traveller – Best for European Digital Nomads
Price: From £28/week
Coverage Limit: Up to £10,000,000 (medical)
Deductible: Optional
Why It’s Great:
Exclusively available to EU and UK residents, True Traveller is ideal for backpackers and long-term travelers. With optional upgrades, it’s highly customizable.
Pros:
- Excellent for high-risk activities
- Tailored for long-term travelers
- Optional tech gear coverage
Cons:
- Only for European residents
- Limited to travelers under age 65
🧳 Key Features to Look for in Travel Insurance as a Digital Nomad
When comparing policies, look beyond just the price. Here are key features that matter:
| Feature | Why It Matters |
|---|---|
| Medical Coverage | Covers hospital stays, doctor visits, surgeries, etc. |
| Emergency Evacuation | Crucial for natural disasters or political unrest |
| COVID-19 Coverage | Still essential in 2025 |
| Lost/Stolen Electronics | Replaces laptops, phones, and cameras |
| Trip Interruption | Reimburses if you need to return home unexpectedly |
| Telehealth Access | Lets you consult doctors virtually |
| Mental Health Services | Important for solo nomads dealing with stress |
| Flexibility | Can start, pause, or cancel anytime |
✈️ How Much Does Digital Nomad Travel Insurance Cost in 2025?
Travel insurance pricing depends on:
- Age
- Coverage type
- Travel destination(s)
- Duration of coverage
- Add-ons (gear, sports, etc.)
Here’s a rough breakdown:
| Plan Type | Monthly Cost | Best For |
|---|---|---|
| Basic Travel Insurance | $40–$60 | Short-term nomads |
| Premium Travel Health | $100–$200 | Long-term expats |
| Adventure & Gear Add-ons | $10–$50 extra | Active or tech-heavy nomads |
✅ Tips for Choosing the Right Travel Insurance as a Nomad
- Read the fine print. Know what’s included and what’s not.
- Consider gear insurance. Your laptop is your livelihood.
- Check country exclusions. Some plans won’t cover high-risk destinations.
- Think long-term. Look for renewable, continuous coverage.
- Compare deductibles. A lower deductible = higher monthly cost but less out-of-pocket risk.
🙋♂️ Frequently Asked Questions (FAQ)
1. Do digital nomads really need travel insurance in 2025?
Yes, absolutely. Travel insurance is essential for digital nomads due to the unpredictable nature of international travel. It protects you from medical emergencies, stolen electronics, trip cancellations, political unrest, and even natural disasters—all of which could result in major financial setbacks without coverage.
2. What’s the difference between travel insurance and global health insurance?
Travel insurance typically covers emergency medical situations, trip interruptions, delays, and baggage loss during a short-term trip.
Global health insurance, like Remote Health by SafetyWing, provides long-term medical coverage including preventative care, chronic conditions, and more—ideal for digital nomads living abroad full-time.
3. Can I buy travel insurance after I’ve already started traveling?
Yes! Many providers like SafetyWing, Genki, and Insured Nomads allow you to purchase coverage after you’ve left your home country, making them perfect for spontaneous or already-traveling nomads.
4. Does travel insurance cover lost or stolen laptops and phones?
Some policies do—but not all. Look for insurance that includes personal belongings or gadget coverage, or add this as an optional upgrade. Providers like World Nomads and Insured Nomads offer these options.
5. Will travel insurance cover me in multiple countries?
Yes, as long as the provider offers global coverage. Most nomad-friendly insurers like SafetyWing, Genki, and Insured Nomads allow multi-country travel as part of their plans. Just double-check if any specific countries are excluded or need special approval.
6. What happens if I get COVID-19 while traveling?
Most modern nomad insurance providers (like SafetyWing, Remote Health, and Genki) include COVID-19 treatment as part of their medical coverage. This can include hospital stays, testing, and even quarantine costs in some cases.
7. Can I pause or cancel my insurance if I go home?
Yes, many nomad insurance plans are flexible and allow you to pause or cancel anytime. SafetyWing, for example, works like a subscription and can be stopped or restarted without penalties.
8. What’s the average cost of digital nomad travel insurance in 2025?
It varies by age, destination, and coverage type, but here’s a rough guide:
Basic travel medical insurance: $40–$60/month
Comprehensive nomad health plans: $100–$200/month
Add-ons for gear/adventure sports: $10–$50/month
9. Do any insurance plans cover mental health care for digital nomads?
Yes! Mental health is finally being prioritized. Providers like Insured Nomads and Remote Health by SafetyWing offer mental health support, including virtual counseling and therapy sessions.
10. Is there travel insurance for U.S. citizens that covers time back home?
Yes, SafetyWing allows U.S. citizens to get 30 days of coverage in the U.S. every 90 days, and Allianz offers annual plans that include domestic trips. Always check the fine print, as some plans exclude or limit home country coverage.
11. Can I extend World Nomads travel insurance?
Yes, World Nomads allows you to extend your policy online, even if your original coverage has already started. You simply log in to your account and purchase more coverage before your current plan expires. This flexibility is one reason why World Nomads is popular among long-term travelers and backpackers.
12. What’s the best travel insurance for backpackers?
For backpackers in 2025, the top choices are:
World Nomads – Best for covering adventure sports and remote travel.
Genki Explorer – Affordable and great for travelers on a budget.
True Traveller (for EU/UK residents) – Highly customizable for long trips and high-risk activities.
These providers offer flexible policies, great medical coverage, and the ability to extend coverage mid-trip.
13. What is the best travel insurance for international travel?
For general international travel in 2025, SafetyWing and World Nomads are top picks:
SafetyWing is perfect for remote workers and digital nomads.
World Nomads excels in adventure activity coverage and trip protection.
Allianz Travel is ideal for U.S. residents with frequent international trips.
All offer global coverage and emergency medical support across multiple countries.
14. Is Allianz travel insurance better than World Nomads?
It depends on your travel style:
Allianz Travel is better for U.S. citizens who take multiple trips per year and want annual plans with solid trip protection benefits.
World Nomads is better for backpackers and adventure travelers who need coverage for high-risk activities and extended single trips.
If you’re a nomad or long-term traveler, World Nomads tends to offer more flexibility.
15. What is the longest travel insurance cover?
Some plans offer continuous coverage for 12 months or more:
SafetyWing’s Remote Health offers unlimited duration and functions as global health insurance.
Genki Resident offers ongoing coverage for digital nomads and expats.
Allianz Annual Plans cover multiple trips throughout the year but typically have a trip length cap (like 45–90 days per trip).
If you’re staying abroad indefinitely, look for global health insurance plans rather than traditional travel insurance.
16. Can you extend a digital nomad visa?
Yes, many countries that offer digital nomad visas allow extensions. The rules vary by country:
Portugal: Allows extensions for up to 2 years.
Costa Rica: Offers a 1-year visa with a possible 1-year renewal.
Estonia: Typically up to 1 year, with potential for extensions via residence permits.
Always check the specific immigration policy of the country you’re in, and apply for extensions before your current visa expires.
17. Who has the most affordable travel insurance?
As of 2025, the most affordable providers for digital nomads and long-term travelers are:
SafetyWing Nomad Insurance – From $45/month
Genki Explorer – From €39/month
True Traveller – Low-cost plans for EU/UK residents
These plans balance affordability with global medical coverage and can be purchased while abroad.
18. What does AXA travel insurance cover?
AXA travel insurance typically includes:
Emergency medical expenses
Trip cancellations and interruptions
Baggage loss or delay
Emergency evacuation
24/7 assistance hotline
AXA is a large, reputable provider, but plans vary by region, so read the policy details carefully. It’s a solid choice for travelers who want a reliable and traditional insurance brand.
19. What is the difference between backpacker and multi-trip insurance?
Feature
Backpacker Insurance
Multi-Trip Insurance
Duration
Long-term (up to 18 months)
Short trips throughout the year
Ideal For
Extended solo travel, gap years
Frequent travelers or business trips
Coverage
One continuous trip
Multiple trips (usually capped at 30–90 days per trip)
Flexibility
Often extendable mid-trip
Must return to home country between trips
So if you’re going on a nonstop global journey, choose backpacker insurance. If you’re flying back and forth for shorter trips, a multi-trip policy is better.
🧠 Final Thoughts: Do Digital Nomads Really Need Travel Insurance?
Absolutely. Travel insurance isn’t just a safety net—it’s a survival tool. In 2025, when borders can close quickly, healthcare costs are unpredictable, and remote workers rely heavily on their devices and mental health, having the right coverage is just smart business.
Whether you’re a full-time globetrotter, part-time remote worker, or slow traveler, the peace of mind that comes with proper insurance is priceless.
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Are you insured as a digital nomad? Which provider do you use? Drop your recommendations and experiences in the comments—we’d love to hear from the nomad community!
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