The digital nomad lifestyle has exploded in popularity over the last few years. With a laptop and a good Wi-Fi connection, people now work remotely from beaches in Bali, cafés in Lisbon, or mountain towns in Colombia. While the freedom is exciting, one important thing is often overlooked: insurance.
As a digital nomad, traditional health or travel insurance doesn’t always fit your lifestyle. You need something more flexible, more global, and ideally tailored to your unique needs. So, what kind of insurance should you have, and what are the best global plans in 2025?
Why Insurance Is a Must for Digital Nomads
Whether you’re staying in one country for six months or hopping across borders every few weeks, here’s why insurance matters:
Medical emergencies can happen anytime, anywhere.
Healthcare costs in some countries (like the U.S.) can be sky-high.
Many countries now require proof of insurance for visa or residency applications.
It gives you peace of mind so you can focus on work and travel.
What Type of Insurance Do You Need?
For digital nomads, a good insurance policy typically includes:
International Health Coverage – For doctor visits, hospital stays, prescriptions, and chronic conditions.
Emergency Medical Evacuation – In case you need to be flown to another country for better care.
Trip Interruption or Delay – Useful if flights are canceled or you lose your bags.
Repatriation – Covers costs if you need to be transported home due to serious illness or death.
Telehealth Services – Virtual doctor consultations while you’re abroad.
Mental Health Support – Increasingly important for remote workers far from home.
Optional add-ons include dental, maternity, adventure sports coverage, or electronics protection.
Top Global Insurance Plans for Digital Nomads (2025)
Here are some of the best and most popular insurance providers for digital nomads in 2025:
1. SafetyWing – Nomad Insurance
Best for: Budget-conscious nomads and first-time travelers.
Coverage: Medical emergencies, COVID-19, evacuation, lost luggage, and more.
Highlights:
Can be purchased while already abroad.
Subscription-style monthly payments.
Includes U.S. coverage for short visits.
Cost: From $45/month for 18–39-year-olds.
2. Insured Nomads – World Explorer Plans
Best for: Remote professionals and entrepreneurs.
Coverage: Global health coverage, evacuation, mental health, and even cyber risk protection.
Highlights:
Telehealth access.
App with emergency services and mental wellness tools.
Covers multiple regions and long-term stays.
Cost: Varies by age, region, and plan, starting around $70/month.
3. IMG Global – Global Medical Insurance
Best for: Long-term nomads or expats.
Coverage: Full international health insurance (including inpatient, outpatient, and optional dental or maternity).
Highlights:
Flexible deductible options.
Can cover stays in the U.S.
Customizable policies.
Cost: Higher than basic travel insurance—expect $100+/month.
4. Cigna Global – International Health Plans
Best for: Professionals who want premium, comprehensive care.
Coverage: Worldwide health care, including chronic conditions, cancer care, and mental health.
Highlights:
Large international hospital network.
Highly customizable.
Excellent reputation for customer service.
Cost: Premium pricing, often $200+ per month.
5. Genki – Genki Resident or Genki Explorer
Best for: EU-based digital nomads or minimalists.
Coverage: Medical emergencies, telemedicine, evacuation.
Highlights:
Paperless claims process.
Monthly or annual payment options.
Explorer plan is simple and affordable for short- to mid-term travelers.
Cost: Starts at €35/month.
How to Choose the Right Plan
With so many options, choosing can be overwhelming. Here are a few questions to guide your decision:
Where are you traveling? Some plans exclude coverage in the U.S. or certain countries.
How long will you be abroad? Short trips can be covered by travel insurance; longer stays may require global health plans.
Do you need coverage for pre-existing conditions? Not all plans include this.
What’s your budget? Balance cost with the level of coverage you need.
Do you plan to engage in risky activities? Adventure sports may require extra coverage.
Final Thoughts
Being a digital nomad is exciting—but it comes with unique risks. The right insurance plan can protect your health, your finances, and your peace of mind while you explore the world.
Whether you want basic emergency coverage or a full international health plan, there are excellent options in 2025 tailored to your lifestyle. Take the time to compare plans, read the fine print, and choose the one that fits your needs best. Because when you’re living life without borders, your insurance should be just as flexible.