Finding best health insurance plans for your digital nomad lifestyle requires time, energy, and patience. Equally crucial is selecting a destination with reliable healthcare facilities. Discover our recommended top digital nomad destinations in 2023 here. We’ve done the research to curate plans that cater to your needs, including cutting-edge features like medical evacuation and equipment coverage. As digital nomads or perpetual travelers, your travel insurance should be tailored to your unique lifestyle. With no fixed home country or travel end date, comprehensive health care coverage becomes essential. Protecting expensive equipment under your health insurance plan is also a priority for globetrotting digital nomads.
One of the most important criteria in choosing the right plan is how reactive providers are when you need them. On paper, a lot of plans can look appealing, but what is most important is how quickly they respond to your queries, how reactive they are to your requests during emergencies and how seamlessly they reimburse you (especially if you are awaiting coverage for large sums of money).
The other element that needs special attention is whether the United States needs to be covered in your plan. It should not come as a surprise that many plans charge hefty extra fees for coverage in the United States. This is because of the proportionally more significant costs related to health care in the US. Some plans may be perfectly suited for nomads traveling globally except for the United States. Others are better suited for the US, and perhaps not as beneficial for other kinds of coverage.
Here it goes – this is our shortlist of health insurance plans for digital nomads looking for decent coverage for long-term travel:
SafetyWing
SafetyWing touts being insurance for nomads by nomads, and they don’t disappoint – at a very affordable price. This company specializes in providing insurance for individual nomads. Long-term travelers may no longer carry health insurance in their home country and this is where SafetyWing comes in! Nomad Insurance is a global travel medical insurance that covers people from all over the world, while outside their home country. COVID-19 is included and you can purchase it even if you are already abroad.
World Nomads
World Nomads is best suited for nomads who plan to take part in more venturesome activities while traveling. Their “Explorer Plan” covers a variety of dangerous sports. This comes at an extra cost. In countries where safety regulations are not top-of-mind, it might be a good idea to consider this plan. In addition, World Nomads offers laptop and other equipment insurance. This may be indispensable for those who depend on their equipment for their livelihood.
CoverAmerica-Gold
CoverAmerica Gold provides comprehensive medical coverage for U.S. non-residents temporarily visiting the U.S., as well as trips from the U.S. to Mexico, the Bahamas and Canada. CoverAmerica Gold covers certain pre-existing conditions that may arise while traveling, in addition to urgent care related to pre-existing conditions.
So, when you find the work-from-anywhere job of your dreams, make sure you have insurance coverage. The worst thing you can do is to leave without any coverage.
