Digital Nomad Travel Insurance

Whether you're going on a trip for 1 month or 1 year, getting good digital nomad travel insurance should be a priority before setting out on the road.

While disasters can't always be avoided - they can be prepared for in a financial sense.  Getting set up with a reliable and trustworthy company is key when choosing your travel insurance.

Before I tell you what's available here are what you should be looking for when trying to decide...

Features

  • Can you submit claims while traveling?
  • Can you use it with international doctors?
  • What's the claim procedure like?
  • Is your gear covered? (laptop, camera, phone, etc.)
  • Can you renew your plan or is there a maximum time limit?

Well Respected: Allianz

If you search Google for 'Digital Nomad Travel Insurance' you'll almost certainly see ads for Allianz.  And why not?  They're one of the top insurance companies in the world.  Which also means you'll get some pretty good rates for even mid-sized trips (1-3 months).  However where Allianz falls short for me are the true digital nomad wants.  For example, the maximum coverage on gear is much lower than other plans as well as their flexibility to submit claims or extend coverage while still on the road.

Nonetheless,  if you're just looking for digital nomad travel insurance for a quick trip where you don't expect anything to happen - Allianz can be a great inexpensive option.  Things I'd consider if best for are trip cancellation, lost baggage, or unforeseen illnesses.

Good Option for EU & UK: TrueTraveller

True Traveller is a great option for adding those digital nomad wants for a travel insurance package like flexibility, higher maximums for gear, and coverage for extreme sports.

The only caveat - well you'll have to be from the EU or UK to pick up a package from them.

Pay-As-You-Go & Great Value: SafetyWing

Often times, Digital Nomads don't know how long you're traveling for or where you're headed next.  It can be hard to drop $300-$500+ on travel insurance when you may only need it for a couple months.

That's where SafetyWing excels...

​\$37/ 4 Weeks (*Ages 18 - 39. $250 deductible. $250k maximum limit. \$69 for travel in the USA. Other ages available.)

Yes. You read that correctly.  \$37 for 4 weeks!

This doesn't cover electronic devices or many adventure sports (don't worry surfing IS INCLUDED!), but the main reason you're usually buying travel insurance is for medical emergencies.  And for that reason - SafetyWing is probably the top choice for Digital Nomads looking specifically for travel health insurance.

Some of the other key features I love about SafetyWing for digital nomad travel insurance are...

Extremely flexible - Choose your start-date and it automatically extends until you cancel, unless you choose an end-date (like a subscription). There is no cap on the duration of a travel.

Covers you abroad and homeSafetyWing has worldwide coverage and limited home country coverage. It is available for purchase in 180 countries and can be purchased when already traveling.

Not many travel insurance companies can compete with this Y-Combinator backed company.  And that's why Safety Wing is one of my top choices for digital nomad travel insurance.

Adventure & Gear Choice: World Nomads

You can buy and claim online, even after you've left home. Travel insurance from WorldNomads.com is available to people from 140 countries. It’s designed for adventurous travellers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities.

7 things you should know about travel insurance from WorldNomads.com

  1. Trusted reliable underwriters WorldNomads.com is backed by a suite of strong, secure, specialist travel insurers who provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most.
  2. Value for money with the cover you need WorldNomads.com provides cover for what's important for travellers from 140 countries. By focusing on what you need and leaving out what you don't, World Nomads prices are some of the most competitive online.
  3. Flexibility when you need it most Had a change of plans? You can buy more cover or claim online while you are still away. You can even buy a World Nomads policy if you're already travelling.
  4. Cover for a range of adventure activities From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, WorldNomads.com covers a range of adventure activities, giving you peace of mind to get the most from your travels.
  5. World Nomads keeps you travelling safely All WorldNomads.com members have access to up-to-date travel safety alerts, as well as travel safety advice and tips online through the World Nomads Travel Safety Hub.
  6. More than just great value travel insurance All WorldNomads.com members can learn the local lingo through a series of iPod & iPhone Language Guides and can stay in touch with family and friends with an online travel journal.
  7. Commitment to exceptional customer service We want to make sure you get the most from WorldNomads.com. You can find out more about why travel insurance is important for your trip. If you have any questions about your travel insurance or travel safety in general, please contact WorldNomads.com directly.

Conclusions:

There are plenty of insurance companies out there trying to take advantage of the opportunity to make some money off of a quick trip and deny you coverage so priority #1 should be to make sure you trust the company and its reputation.

I highly suggest going with either SafetyWing or WorldNomads for your digital nomad travel insurance.  I've had personal experience with them both - here's a good rule of thumb...

Choose SafetyWing as a low-cost, high value insurance that is extremely flexible with your travels.

Choose WorldNomads if you know your travel dates, have a bit of extra dough, want to protect your electronic devices, and may be partaking in adventurous activities.

If you're looking for primary health insurance as a DN - check out my post on the top primary digital nomad health insurance companies.​

PJ Manning

PJ is the creator and CEO of TravelDeveloper.com. A digital nomad since 2012 - he's constantly looking for where to work and surf next.