Living abroad and working remotely may sound like a dream — and for many digital nomads, it truly is. But while you’re enjoying new cultures, foods, and landscapes, there’s one essential you can’t overlook: health insurance. A medical emergency in a foreign country can turn a life-changing journey into a financial disaster.
In this guide, you’ll learn how digital nomads can find the right health insurance in 2025, what features matter most, and which providers are best for a globe-trotting lifestyle.
Why Health Insurance Matters for Digital Nomads
As a digital nomad, you likely travel across countries and continents. You’re not tied to one national health system, and without proper insurance, you could end up paying thousands out of pocket for care.
Health insurance protects you from financial ruin by covering:
- Emergency hospital visits and surgeries
- Routine doctor consultations
- Prescription medications
- Lab tests and diagnostic procedures
- Evacuation and repatriation services
- Coverage for COVID-19 (depending on the policy)
Medical bills abroad can be just as expensive — or even more — than at home. Having the right plan means peace of mind.
1. Understand the Main Types of Health Insurance for Nomads
A. International Health Insurance
Designed for long-term travelers and expats, this is the most comprehensive option.
Pros:
- Full coverage for emergency and routine care
- High coverage limits (often over $1 million annually)
- Access to private hospitals worldwide
Cons:
- Premiums can be high
- You may need to pay upfront and request reimbursement
Best for: Nomads who live abroad 6+ months at a time and want comprehensive care.
B. Travel Medical Insurance
Great for short stays or those combining travel with existing national insurance.
Pros:
- Affordable
- Emergency-focused coverage
- Often includes evacuation and repatriation
Cons:
- Doesn’t include routine checkups or long-term care
- May have exclusions on pre-existing conditions
Best for: Short-term nomads or travelers using backup insurance from their home country.
C. Local Health Insurance
Available in many countries, especially where private care is common.
Pros:
- Cost-effective in countries with lower healthcare costs
- Convenient for long stays in one location
Cons:
- Only valid within one country
- Language and claims processing can be difficult
Best for: Nomads staying in one country for 3+ months.
2. Features to Look for in a Nomad-Friendly Health Plan
When shopping for insurance, prioritize:
- Global Coverage: You should be protected in every country you visit.
- Emergency Evacuation: Can they fly you to a quality hospital or home?
- COVID-19 Coverage: Still relevant for travel entry requirements.
- Telehealth Services: Ideal for quick access to doctors remotely.
- Ease of Claims: Look for fast, app-based reimbursement systems.
3. Top Health Insurance Providers for Digital Nomads in 2025
1. SafetyWing
- Monthly subscription model
- Covers over 180 countries
- Includes COVID-19 and evacuation
- Affordable for solo travelers and families
2. World Nomads
- Great for adventurous nomads
- Covers extreme sports and remote work
- Short-term flexibility with solid emergency coverage
3. IMG Global
- Expat and travel-specific plans
- Multiple tiers and add-ons
- Well-known for reliable service
4. Cigna Global
- Customizable, comprehensive plans
- Worldwide network of hospitals
- Premium pricing for premium coverage
5. Allianz Travel
- Short- and long-term options
- Reputable, global brand with strong support
- Good for frequent travelers
See also: How to Choose the Right Insurance Policy for Your Life Stage
4. How Much Does Health Insurance for Nomads Cost?
Your cost will depend on several factors:
- Your age
- Destinations and coverage region
- Plan limits, deductibles, and benefits
Estimated costs:
- Travel insurance: $40–$100/month
- International health insurance: $150–$400/month
Tip: Compare multiple quotes and adjust deductibles to find the best value.
5. Money-Saving Tips for Nomads
- Choose higher deductibles if you’re young and healthy
- Select emergency-only coverage if you have a backup plan in your home country
- Use telemedicine for minor issues to avoid costly visits
- Stay longer in one country to qualify for cheaper local insurance plans
6. Can You Use U.S. Health Insurance Abroad?
Usually not. Most U.S. plans — including Medicare — do not cover international treatment (except limited cases).
Always check with your provider before departure, and assume you’ll need separate coverage as a nomad.
7. Final Thoughts: Freedom Comes with Responsibility
Being a digital nomad is about independence and exploration — but it’s also about making smart choices. Having solid health insurance lets you live boldly while staying protected from financial shocks.
Don’t wait until an emergency strikes. Invest in a health insurance plan tailored to your lifestyle, travel goals, and health needs. Because the best journeys are the ones you can enjoy without fear.
See also: What Is Term Life Insurance and When Should You Get It?
FAQ – Best Health Insurance Options for Digital Nomads in 2025.
What type of health insurance is best for digital nomads?
It depends on your travel style. For long-term, full-time nomads, international health insurance (like Cigna Global or IMG) is best. If you’re on shorter trips, travel medical insurance (like SafetyWing or World Nomads) offers emergency coverage at a lower cost. Staying in one country? Consider local private insurance for that region.
Does U.S. health insurance cover you abroad?
Usually not. Most U.S.-based plans don’t cover international care except in limited emergencies. Medicare does not offer coverage abroad, so nomads need a separate plan that includes global benefits and medical evacuation.
How much does digital nomad health insurance cost in 2025?
Basic travel insurance starts at $40–$100/month, while comprehensive global health plans cost $150–$400/month or more. Prices vary based on age, location, coverage limits, and deductible choices.
What key features should I look for in nomad insurance?
Look for plans with global coverage, emergency evacuation, COVID-19 treatment, telehealth, and easy online claims. Make sure the insurer supports your travel destinations and doesn’t limit coverage by country.
What are the best insurance providers for digital nomads in 2025?
Top providers include:
SafetyWing – Budget-friendly, flexible, 180+ country coverage
World Nomads – Adventure-friendly and travel-focused
IMG Global – Customizable for long-term nomads
Cigna Global – Premium global access, ideal for expats
Allianz – Strong global support and brand reputation