Remote workers spend months or years living across multiple countries. Standard travel insurance doesn't cut it when you need medical coverage, evacuation, the ability to renew abroad, and protection for work equipment. Travel insurance for digital nomads supports long-term, flexible travel without requiring a fixed home base.
Best Travel Insurance for Digital Nomads
Compare the best travel insurance options for digital nomads, including plans you can buy while already abroad.
Find the best travel insurance for digital nomads below.
Updated: December 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Several travel insurance companies let you buy coverage after you've already left home.
Plans built for remote workers offer flexible medical coverage, evacuation benefits and multi-country protection.
You'll need to decide between medical-only coverage and full travel insurance with gear protection.
Best Travel Insurance Companies for Digital Nomads
These three providers offer global availability, long-term coverage, and the option to buy or renew while abroad in most cases. Rankings reflect coverage features and suitability for remote work lifestyles.
World Nomads | Sometimes | Adventure-focused travel | Emergency medical | Included | Yes | Above average |
Seven Corners (Travel Medical) | Yes (select plans) | Mid-trip coverage needs | Travel medical | Included | Varies by plan | Limited |
IMG (Patriot Travel Medical) | Yes (varies) | Multi-country slow travel | Travel medical | Included | None on medical plans | None |
Note: MoneyGeek doesn't maintain rate data for digital-nomad-specific plans, so these rankings focus on coverage rather than price.
Best Overall for Digital Nomads
World Nomads
World Nomads offers travel insurance with extensive adventure activity coverage and electronics protection that exceeds most competitors. It's practical for remote workers who mix work with outdoor activities like hiking, diving, or climbing, and it provides stronger gear protection than standard travel insurance.
Coverage includes over 200 adventure sports with emergency medical and evacuation benefits. Electronics protection offers higher per-item limits than standard travel insurance, which helps nomads carrying laptops, cameras, and drones. The plan also includes trip cancellation and interruption benefits that medical-only plans lack. Age restrictions apply to certain plans, and it's less suited for indefinite travel beyond 12 months. Electronics coverage may use depreciated value rather than replacement cost.
You'll Like This If: You combine remote work with adventure sports and need better electronics protection than standard travel insurance provides.
Best for Travelers Already Abroad
Seven Corners
Seven Corners offers travel medical plans with flexible start dates, and some plans allow enrollment after you've left home. Select plans provide emergency medical and evacuation benefits with region-specific and global options that work for short- and long-term stays.
The ability to enroll mid-trip helps nomads who forgot to buy coverage before departure or decided to extend their stay abroad. Plans offer high medical limits and evacuation coverage that works across multiple regions. Trip protection may require a separate plan, electronics coverage is limited, and coverage details vary by plan type.
You'll Like This If: You need coverage mid-trip or left home without insurance.
Best for Multi-Country Long-Term Stays
IMG
IMG's Patriot Travel Medical plans work for long-term travelers who move slowly through different regions. Coverage supports people living abroad for extended periods rather than short vacations, with high emergency medical and evacuation limits up to $1 million.
Plans allow optional add-ons based on your route and provide flexible renewals for stays of six months or longer. The coverage works well for nomads settling in one region for extended periods before moving to another. Trip protection isn't available on medical-only plans, coverage varies by region, and electronics aren't covered.
You'll Like This If: You're living abroad for months at a time or moving slowly through several countries.
Best Digital Nomad Insurance by Scenario
Different remote workers have different priorities. This table shows what fits common situations:
Coverage while already abroad | Seven Corners (select plans), IMG Patriot | No departure date required; plans include 24-48 hour waiting periods for certain benefits |
Medical-only coverage | IMG Patriot Travel Medical, Seven Corners Travel Medical | Lower cost; focuses entirely on emergency care and evacuation |
Adventure sports coverage | World Nomads, Trawick International (select plans) | Activity-specific inclusions; always check sport-specific exclusions |
Multi-country flexibility | IMG Patriot, Seven Corners, World Nomads | Supports shifting routes and long-term international living |
Tech gear protection | World Nomads, Trawick International | Higher electronics limits; consider additional gadget policy for high-value items |
What Digital Nomad Travel Insurance Covers
Travel insurance coverage for remote workers includes several core protections. Coverage strength varies by provider and plan type.
Emergency medical | Hospital treatment, doctor visits, prescriptions | Routine care, pregnancy coverage, pre-existing conditions (most plans) |
Emergency evacuation | Medical transport to appropriate facility, repatriation | Non-emergency transport |
Electronics/gear | Theft with caps, damage from covered events | High-value items above limits, normal wear, unattended property, checked luggage items |
Baggage/delays | Some plans include benefits | Coverage varies significantly by plan |
Adventure activities | Varies significantly by provider | Always check sport-specific exclusions |
A gadget-specific policy may offer higher limits than traditional travel insurance if you carry high-value tech equipment.
Travel Insurance vs. Nomad Health Insurance
Remote workers choose between travel insurance and nomad health insurance based on their needs.
Medical coverage | Emergency only | Routine + emergency |
Evacuation | Included | May include |
Outpatient care | No | Yes |
Trip benefits | Often included | No |
Best for | Frequent movers | Long-term expats in one location |
Note: Choose based on how often you move and whether you need ongoing medical care abroad.
Cost of Digital Nomad Travel Insurance
Digital nomad travel insurance costs vary widely because remote workers travel differently from traditional tourists. Several factors affect your premium:
Plan type | Medical-only plans cost less; comprehensive plans with trip cancellation, baggage and electronics protection cost more |
Trip duration | Monthly or subscription plans provide better value for long-term stays than short-duration tourist policies |
Destination | Some regions cost more due to higher medical expenses; pricing varies by provider |
Age | Premiums rise with age, especially for travelers over 40 or 50 |
Activities | Adventure sports like hiking, diving or climbing increase costs |
Electronics coverage | Higher per-item limits for laptops, cameras and drones add expense |
Enrollment timing | Plans allowing enrollment after departure may include 24-48 hour waiting periods |
Note: MoneyGeek doesn't maintain rate data for digital-nomad-specific plans, so these rankings focus on coverage rather than price.
How to Choose the Best Digital Nomad Travel Insurance for Your Lifestyle
Your travel pattern, destination mix, and work setup determine which plan fits best.
Travel pattern (fast vs. slow) | Fast movers need multi-country flexibility; slow travelers may want medical-only plans | Match plan type to movement frequency |
Length of time abroad | Some plans cap trip length; others allow indefinite renewals | Confirm renewal options for long-term stays |
Countries on your route | Exclusions and restrictions vary by region | Check coverage in your destinations |
Work equipment needs | Standard limits may not cover high-value tech | Verify limits or add gadget policy |
Evacuation requirements | Critical in remote or underdeveloped areas | Confirm evacuation coverage and limits |
Mid-trip enrollment needs | Not all plans allow purchase while abroad | Choose providers that allow enrollment after departure |
How to Get Digital Nomad Travel Insurance Before or During Your Trip
Digital nomad travel insurance can be purchased before departure or after you've already left the U.S., depending on the provider. Most nomads buy online from anywhere in the world.
- 1Confirm whether the plan allows enrollment while abroad.
- 2Review medical and evacuation benefits based on the countries you'll visit.
- 3Decide between monthly, semi-annual or long-term plans depending on how long you expect to stay abroad.
- 4Check gear limits if you rely on high-value electronics.
- 5Save your digital ID card and proof of coverage, especially for visa applications or travel days.
Note: Most digital nomads renew coverage monthly or opt for long-term medical plans that work across multiple regions rather than buying separate policies for each country.
Best Travel Insurance for Digital Nomads FAQ
Can I buy digital nomad travel insurance if I'm already abroad?
Yes. Several providers, including Seven Corners and IMG Patriot, let you start or renew coverage after departure.
What is the best digital nomad travel insurance?
World Nomads works well for adventure-focused nomads who need electronics protection and trip benefits, while IMG Patriot and Seven Corners suit long-term travelers focused on medical coverage. The best option depends on your route and work setup.
Do I need digital nomad travel insurance for visa applications?
Some digital nomad visas require proof of medical coverage or evacuation benefits. Requirements vary by country, so check each destination's rules.
Does digital nomad travel insurance cover laptops and work equipment?
Some plans offer limited protection for electronics, but the limits may not cover high-value devices. Many remote workers purchase separate gadget insurance for laptops, cameras, or drones.
Can I stay abroad indefinitely with digital nomad travel insurance?
Some providers allow continuous renewals. Review maximum trip lengths or renewal rules to confirm the plan fits your long-term plans.
How We Chose the Best Travel Insurance for Digital Nomads
MoneyGeek created this guide through editorial review of travel insurance and travel medical plans designed for remote workers. Our research team evaluated providers based on:
- Coverage flexibility for long-term, multi-country travel
- Ability to purchase or renew coverage while abroad
- Medical and evacuation benefit levels
- Suitability for different nomad lifestyles (adventure-focused, slow travel, medical-only needs)
- Availability to U.S. travelers
- Electronics and gear protection options
MoneyGeek doesn't maintain internal rate data for digital-nomad-specific plans, so provider rankings reflect coverage features and suitability for remote work lifestyles rather than price comparisons.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.