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Best Travel Insurance for Digital Nomads in 2022

Best Travel Insurance for Digital Nomads in 2022.

If you are looking to invest as an expat or high-net-worth individual, which is what I specialize in, you can email me (advice@adamfayed.com) or use WhatsApp (+44-7393-450-837).

We do also do full medical insurance for digital nomads, which is better than travel insurance.


We will discuss the best travel insurance for digital nomads in this article.

If you’re a digital nomad, I’m sure you know how crucial it is to have travel insurance at the ready as it can save you from the hassles brought about by unexpected events, such as missing luggage or flight delays and cancellations. 

Best Travel Insurance for Digital Nomads: Insured Nomads

Digital nomads who need travel insurance might want to consider Insured Nomads, a provider of cutting-edge tech-enabled travel and international health insurance for remote workers. It is one of the best and most popular options that’s ideal for traveling in the short term for single people, couples, and families.

While Insured Nomads only has offices in the UK and the US, it provides the most comprehensive insurance coverage available in the market. The business guarantees to file an insurance claim for a wide array of things across different geographical locations, from North America to Asia, among others. It also offers evacuation and repatriation insurance for workers who work remotely, as well as provisions for lost luggage, transportation issues, and delays in travel-related property losses.

Medical insurance is also available from Insured Nomads. The fact that this nomad insurance includes COVID-19 instances is a plus. This is practical for long-term travelers from nations looking for such a clause.

Insured Nomads is also on our list of the best travel insurance for digital nomads thanks to its coverage of adventure sports. You don’t have to worry about participating in a variety of adventure activities as the outdoor events covered by this insurance include mountaineering, cliff climbing, scuba diving, and motorsports.

Below is a breakdown of the advantages and disadvantages of Insured Nomads:


  • Has a top-notch system for customer care.
  • Easy to use in both processing and application.
  • There is much coverage available.
  • Provides COVID-19 medical coverage.


  • The cost can be quite high.

Best Travel Insurance for Digital Nomads: World Nomads

World Nomads, founded in 2020, is a travel insurance firm that you can rely on during your international journey. It can shield you from incurring unnecessary financial losses as you travel.

A policy from World Nomads covers flight and hotel checks delay, health issues, or trip cancellations. Their plan for remote workers also extends coverage for healthcare costs, including dental service as well as COVID-19 cases.

If you are injured or become a victim of terrorism, World Nomads will cover your medical necessities as well as your travel expenses back home.

Additionally, your tech equipment or luggage will be protected from harm by this travel insurance for digital nomads. Do note, though, that it takes into account the wear and tear of each piece of technology.

You require a Schengen visa if you are a digital nomad traveling to an EU nation. It’s fortunate that you can use World Nomads’ top digital nomad insurance when applying for a Schengen visa, as it helps with both the applications and rapid delivery of the results.

Below is a rundown of the advantages and disadvantages of World Nomads:


  • You receive value for your money thanks to the well-known reputation and branding of World Nomads.
  • It addresses a variety of situations so that you can feel secure when traveling.
  • It provides coverage for incidents of terrorism and assault. This guarantees security for distant travelers visiting armed conflict areas.
  • COVID-19 situations are covered by this insurance for digital nomads.


  • Submitting claims for this digital nomad insurance could be challenging for you.
  • Customers’ complaints don’t get answered by World Nomads on occasion.

Best Travel Insurance for Digital Nomads: InsureMyTrip

The travel insurance company InsureMyTrip has years of experience in the business after being founded in 2000. It is a unit of US-based motor homes retailer IMT Services Corp.

InsureMyTrip’s website features a variety of plans from various firms and provides a comparison of insurance so it will be easier for you to determine which one best suits your needs.

The comparison platform offered by InsureMyTrip can be very advantageous. With just a few clicks, you may access a carefully curated list of travel insurance options for remote workers.

The greatest asset of InsureMyTrip is the extensive medical coverage it offers. The organization provides coverage for diseases like the Zika virus, Ebola, COVID-19, and avian flu. The cost of mental health issues’ treatment is also covered by the travel insurance provider.

Below is a breakdown of the benefits and drawbacks of InsureMyTrip:


  • Compare insurance policies side by side with InsureMyTrip. Finding the right one for your needs is made easier through this.
  • Value for money is received.
  • COVID-19 is covered by insurance.
  • Clients vouch for the company’s award-winning customer service and stree-free claim requests.


  • The website for this digital nomad travel insurance frequently goes down.
  • InsureMyTrip does offer the necessary paperwork for a Schengen visa. However, it frequently is not accepted for visa applications.

Best Travel Insurance for Digital Nomads: TravelInsurance.com

If you’re on a trip with fellow digital nomads, you can arrange a safe trip with the aid of TravelInsurance.com. Remote workers can select a package through this service based on their travel requirements, whether they are domestically or internationally.

This digital nomad travel insurance can cover adventure sports-related emergency medical evacuation and treatments, as well as protect you against accidental death or dismemberment on top of misplaced luggage and canceled or delayed flights. If you’re into cruise insurance, it’s part of the coverage too.

This insurance can safeguard you if you are in a group that’s traveling around several countries. In particular, TravelInsurance.com has the ideal travel packages for groups traveling on the same route. You could also get a discount since the price per person for group travel insurance is less than what you’ll pay if you’re getting an individual insurance.

Below is a rundown of the advantages and disadvantages of TravelInsurance.com:


  • You can compare travel insurance policies from several businesses through to TravelInsurance.com’s platform.
  • Insurance policies of top-rated travel insurance companies are represented on TravelInsurance.com.
  • COVID-19 incidents are covered by its travel medical insurance for digital nomads.


  • It can be difficult to complete the form for this nomad insurance.
  • The TravelInsurance.com website is not user-friendly.
  • The call center services provided by this nomad insurance company are ineffective in the sense that they typically take hours before answering a question.
best travel insurance for digital nomads health
Check the health insurance coverage as you travel

Best Travel Insurance for Digital Nomads: AARDY Travel Insurance

Nomads weigh a variety of criteria before selecting a travel insurance plan. These include the cost of the plan, its scope of coverage, the number of claims it will pay, and client feedback. Checking everything to make sure you made the right choice is not practical or efficient, though.

Thankfully, users can compare various insurance providers and policies easily using AARDY. All you have to do is visit the website and begin describing your journey and yourself. With your replies in mind, AARDY will modify the search results. You can also pre-set your choices before beginning your search in order to avoid receiving results that don’t suit any of your needs.

You can purchase travel insurance as soon as you’ve determined what level of protection you require from the insurance company.

Below is a breakdown of the benefits and drawbacks of AARDY Travel Insurance:


  • The user interface of this reliable company is welcoming. A plan can be easily chosen and purchased on its website.
  • A broad range of insurance options are available in this market. You’ll locate the ideal one if you simply type in your preferences.
  • This organization collaborates with other respectable insurers that are rated an A or A+ by A.M. Best.
  • Its customer service is first-rate. With regard to travel and medical insurance, its representatives are very educated and quick to answer.


  • Google Chrome sometimes has trouble displaying the website for this insurance company, which could result in certain difficulties if Chrome is your preferred browser.

Best Travel Insurance for Digital Nomads: Roamright

Arch Insurance Co. founded RoamRight in 2012 in order to administer and directly sell insurance to clients. From this point on, RoamRight has grown and is now included among the best travel insurance for digital nomads.

Coverage for journey interruptions, delays, and cancellations are all included in RoamRight’s offerings. This is particularly ideal for digital nomads who take annual vacations. If you’re on the adventurous side, you can also expand your coverage by upgrading your insurance policy subscription. Such upgrade includes risky pursuits like bungee jumping, trekking, and similar activities.

If you are taking a youngster under the age of 17, you can feel at ease while out and about thanks to RoamRight. This is due to the fact that it offers insurance that cover one dependent for each covered parent at no additional expense. For this nomad insurance, this is a key selling point and a major factor as to why it’s one of the best travel insurance for digital nomads.

Also eligible to file claims are remote workers with continuing medical care and pre-existing medical issues. They are qualified to submit claims so long as the requirements outlined in the policy they selected are satisfied.

Below is a rundown of the advantages and disadvantages of RoamRight:


  • Plans from RoamRight are adaptable and include coverage for things like lost luggage, travel cancellations, and accidental death and maiming.
  • Children under the age of 17 are protected by RoamRight without paying an additional fee.
  • Arch, a company with an A+ rating in insurance, underwrites all of RoamRight’s products.


  • Non-US citizens are not part of RoamRight’s services.

Best Travel Insurance for Digital Nomads: AIG Travel Guard

AIG Travel Guard is an international insurance company that offers assistance to clients of various ages and backgrounds, including digital nomads. This company offers a number of different plans.

AIG Travel Guard’s renowned Pack N’ Go offering is great. The disruption and delay of trips, luggage coverage, emergency airlift, repatriation of remains, and travel medical costs are all covered by this plan. It’s especially suitable to impulsive travelers who don’t need trip cancellation coverage since it is irrelevant to them due to their unplanned trips.

There is also an annual travel plan offered by AIG Travel Guard. This package includes all of the same perks as the Pack N’ Go option. The distinction is that the annual travel plan involves numerous travels spread out over the course of the year. Traveling personnel should definitely consider this policy if they are not very particular with cancellation coverage.

The Deluxe, Preferred, and Essential plans are three comprehensive packages that Travel Guard also provides. They offer trip cancellation insurance that covers up to 100% of the trip’s cost. Overall, these three packages are identical but for the amount of claims.

AIG Travel Guard deserves its spot as one of the best travel insurance for digital nomads.

Below is a breakdown of the benefits and drawbacks of AIG Travel Guard:


  • AIG Travel Guard provides a range of insurance coverage options to suit various lifestyles.
  • It features an extensive website that is simple to use.
  • Subscribing to an insurance is a simple and stress-free process.
  • The COVID-19 cases are now included in Travel Guard’s offerings.


  • Dealing with AIG Travel Guard’s client support is unpleasant as a lot of its representatives frequently respond to issues rather slowly.
  • Despite its claim that it is a worldwide insurance company, many of its plans are actually only offered in certain geographies.

Best Travel Insurance for Digital Nomads: SafetyWing Insurance

If you’re the type who wish to wander and discover numerous destinations across the globe, SafetyWing Insurance’s coverage can enable you to travel without concern.

Unexpected situations that may be annoying while traveling internationally are covered by SafetyWing travel medical insurance. This covers things like lost luggage, natural disaster-related evacuation, and travel delays.

Additionally, it provides workers with access to travel medical insurance. Intensive care, physical therapy, and other health related benefits are all included in this package.

The fact that SafetyWing Insurance serves more than 175 nations globally is its best feature. There is no restriction on the number of nations you can travel to with SafetyWing. You can also use SafetyWing travel medical insurance to apply for a Schengen visa if you intend to go to Europe.

Below is a rundown of the advantages and disadvantages of SafetyWing:


  • SafetyWing travel insurance provides cost-effective, high-quality coverage for digital nomads in more than 175 nations.
  • You are not required to pay in full up front.
  • You may set up recurring monthly payments for this insurance for digital nomads, so there is no need to be concerned about missing the deadline now.
  • Two children who are below 10 years old are covered by SafetyWing’s nomad insurance for every adult.
  • COVID-19 incidents are covered under the travel medical insurance for digital personnel.


  • Issues with filing claims with SafetyWing Insurance are frequent. The processing alone can take months. So be cautious when purchasing services from them.
  • You must have an international scooter license in order to be insured in the event of a motorbike or scooter accident.
Best Travel Insurance for Digital Nomads covid coverage

Best Travel Insurance for Digital Nomads: Travelex Insurance

Travelex Insurance offers the ideal travel and health insurance coverage for you if you’re a digital nomad who goes on trips with your kids.

Travelex Insurance provides coverage that’s worth up to $50,000 in emergency medical or dental costs for digital nomads. Hospitalization, urgent care, and other medical costs should no longer be an issue for whenever you travel. Your luggage and other personal items will also be handled by them.

Wait, there’s more. Your minor children who are below 17 years old are covered by your digital nomad health insurance without you having to incur additional premiums. It’s what makes Travelex Insurance one of the best travel insurance for digital nomads, particularly for families who travel together.

Below is a breakdown of the benefits and drawbacks of Travelex Insurance:


  • Your children under 17 are free of charge to have their emergency medical needs covered by this policy.
  • The firm offers excellent customer service.
  • You can change your travel plans without being charged an additional fee.


  • Travelex Insurance’s website lacks an easy-to-use user interface.
  • The expense of coverage per year could be quite expensive.
  • There may not be much coverage for COVID-19.
  • There is an additional insurance premium for basic services if you want to avail of them.

Best Travel Insurance for Digital Nomads: IMG Global

There are a number of travel insurance options from IMG Global to suit your requirements, finances, and preferences. Flight cancellation, immediate medical and dental assistance, among other things, are all covered by IMG Global’s insurance for digital nomads. In addition, they offer COVID-19 support as part of their medical insurance plan.

The inexpensive insurance program offered by IMG Global is well-known. Budget-conscious digital nomads can choose this plan as a cheap option. In addition to other things, it contains a $500 reward for flight delays and a $500,000 benefit for unforeseen or emergency medical expenses.

Below is a rundown of the advantages and disadvantages of IMG Global:


  • The health and travel insurance offered by IMG Global is reasonably priced.
  • It’s quick and easy to apply for insurance.
  • If there is a cancellation or interruption, coverage will be given at no extra cost.
  • Clients can take advantage of a simple claims process.


  • IMG Global employees who work on customer service are helpful. They do, however, offer subpar service and response.
  • Americans are not permitted to travel back to their native country while the restriction is in effect.
  • The cost will be borne up front, and you will have to wait for your health insurance provider to repay you.
  • The insurance of foreign nationals is automatically canceled after a 14-day grace period.
  • Customers who are HIV-positive are not covered by travel health insurance.

Best Travel Insurance for Digital Nomads: Allianz Global Assistance

Allianz Global Assistance is a highly regarded business that offers travel insurance. The firm is a subsidiary of Allianz SE, one of the largest insurance groups in the world. Allianz Global Assistance provides its clients a range of high-end, cutting-edge products.

A wide selection of travel insurance options are provided by this organization. It covers a variety of things like delayed or lost luggage, trip cancellation and interruption, and emergency medical payments.

Furthermore, concierge services are offered by Allianz Global Assistance, which help clients get hotel bookings and tickets to events, for instance. People who travel frequently need concierge services.

Allianz Global Assistance is a trusted source for travel needs for millions of people. This demonstrates that the vast majority of its clients are content with the company’s services and that it truly is one of the best travel insurance for digital nomads.

Below is a breakdown of the benefits and drawbacks of Allianz Global Assistance:


  • The webpage for this remote employee travel insurance is quite good. The plans it offers, how-to guides, and travel information are all available there.
  • Medical coverage for epidemics is one of the many benefits offered by Allianz Global Assistance.
  • Allianz Global Assistance has received recognition from several reputable awarding organizations. This was made possible by its stellar performance and useful contributions to the field. As a result, Allianz Global Assistance will protect your investment.


  • It usually takes two months to file and process a claim, which is not at all what the nomad health insurance says it provides.

Best Travel Insurance for Digital Nomads: Visitors Coverage

176 countries or more than a million users are served by travel insurance provider Visitors Coverage. For the benefit of clients around the world, it uses comparison business tools.

The Visitors Coverage website is simple and practical to use. The material is logically organized, making it easy to find what you’re looking for. There are distinct tabs for insurance policies, travel resources, and contact details too.

The process of getting a price for a plan is also simple. You can click the Get Quote button and then respond to a few questions based on your preferences, which will influence the kind of insurance policies that have been customized for you.

A variety of insurance services are available from Visitors Coverage, such as group insurance, travel cancellation insurance, and health insurance for expats. As a result, you’ll probably discover the insurance policy here that best suits your needs.

Below is a rundown of the advantages and disadvantages of Visitors Coverage:


  • The website for Visitors Coverage features a user-friendly interface.
  • It contains a wealth of resources about travel insurance. As a result, both potential and present clients are informed about their investment.
  • This travel insurance offers a variety of options and includes COVID-19 cases.
  • Excellent client service is provided by it. Employees in customer support are well-informed and helpful.


  • It can take too long for them to fix the issue when their website crashes.

Best Travel Insurance for Digital Nomads: Integra Global

Integra Global offers long-term travelers an international health insurance package. Go pick something else on this list, though, if you’re searching for coverage for trip interruption, lost checked luggage assistance, or travel delay or cancellation.

When compared to typical travel and health insurance, you are completely covered by Integra Global for any medical costs while on vacation. This includes preventative care, dental work, physical examinations, and mental health treatments like counseling and therapy received at foreign medical facilities. Most travel insurance providers rarely cover expenses like these, which makes Integra Global one of the best travel insurance for digital nomads.

Below is a breakdown of the benefits and drawbacks of Integra Global:


  • They are open for use by all licensed medical facilities and practitioners.
  • You could be covered by this plan if you test positive for COVID-19.
  • After the yearly deductible has been paid, one’s coverage is complete. Different yearly deductible options are available for you to select from.
  • Also available as an extra service is treatment for pre-existing conditions.
  • Simply put, they cover a much higher proportion of the costs associated with medical care.


  • Non-medical costs will require separate policies.
  • If you test positive for COVID-19, its private health insurance may not fully cover you because there may be restrictions.
  • You must get a policy that is valid for at least a year.
  • Direct billing needs upfront payment. For those who select this method of payment, reimbursement may take up to 10 days.

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Adam is an internationally recognised author on financial matters, with over 760.2 million answer views on Quora.com, a widely sold book on Amazon, and a contributor on Forbes.

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