Working from anywhere in the world sounds like a dream — and for many digital nomads, it’s a reality. But while you’re focused on travel, freedom, and remote work, there’s one thing you can’t afford to ignore: health insurance.
Getting sick or injured abroad without coverage can turn your adventure into a financial nightmare. In this guide, we’ll break down the best health insurance options for digital nomads in 2025, what to look for in a plan, and how to stay protected wherever you go.
Why Digital Nomads Need Health Insurance
As a digital nomad, you’re often traveling between countries and not covered by national health systems. If something goes wrong — from a minor illness to a serious injury — you’re responsible for the full cost unless you have coverage.
Here’s what health insurance can help with:
- Doctor visits and outpatient care
- Emergency treatment and hospitalization
- Prescriptions and diagnostic tests
- Medical evacuation and repatriation
- COVID-19-related care (depending on the policy)
Types of Health Insurance for Digital Nomads
1. International Health Insurance
This is a comprehensive, long-term plan designed for expats and nomads who live abroad for extended periods.
Pros:
- Covers both emergency and routine care
- High annual limits (often $1 million+)
- Access to global networks of hospitals
Cons:
- More expensive than travel insurance
- May require upfront payments for some services
Best for: Nomads who stay in one region for 6+ months or want full medical coverage.
2. Travel Medical Insurance
Designed for shorter stays or temporary coverage. It focuses on emergencies and unexpected illness, not routine care.
Pros:
- More affordable than international insurance
- Great for trips lasting a few months
- Often includes evacuation coverage
Cons:
- No preventive or routine care
- Not ideal for long-term digital nomads
Best for: Short-term travelers or those combining travel with existing domestic coverage.
3. Local Health Insurance
In some countries, you can sign up for private insurance through a local provider.
Pros:
- Often cheaper in countries with lower healthcare costs
- Useful for long stays in one country
Cons:
- Usually limited to one country
- Language barriers or service limitations
Best for: Nomads who live in one country for an extended time (like Mexico, Thailand, or Portugal).
What to Look for in a Nomad-Friendly Plan
- Global coverage: Ensure you’re covered across multiple countries
- Emergency evacuation: Should include transport to a suitable hospital or back to your home country
- COVID-19 coverage: Still a requirement in some countries for entry
- Telehealth access: Handy when traveling or in remote areas
- Claims process: Look for easy online claims with fast reimbursement
Top Health Insurance Providers for Digital Nomads (2025)
1. SafetyWing
- Subscription-style monthly plans
- Covers 180+ countries
- Includes COVID-19 and medical evacuation
- Affordable rates for individuals and families
2. Nomad Insurance by World Nomads
- Flexible and adventure-focused
- Great for travelers doing sports or remote work
- Excellent emergency coverage
3. IMG Global
- Offers travel and expat plans
- Many tiers and add-ons
- Well-known among long-term travelers
4. Cigna Global
- Trusted provider with worldwide hospital access
- Ideal for expats and professionals
- More expensive, but customizable
5. Allianz Travel Insurance
- Short- and long-term plans
- Reputable global brand
- Reliable customer support
How Much Does It Cost?
Digital nomad insurance costs vary based on:
- Your age
- Coverage limits
- Travel region
- Length of stay
Typical range:
- $40–$100/month for basic travel plans
- $150–$400/month for comprehensive international coverage
Tips to Save on Coverage
- Choose higher deductibles if you’re healthy and want lower premiums
- Opt for emergency-only plans if you already have local insurance in your home country
- Use telehealth services instead of in-person visits for minor issues
Can You Use U.S. Health Insurance Abroad?
Generally, no. U.S.-based health insurance usually doesn’t cover care outside the country (except emergencies or limited situations with Medicare Advantage plans). Always check with your provider before traveling.
Final Thoughts: Travel Smart, Stay Covered
Living the digital nomad lifestyle is all about freedom — but freedom comes with responsibility. Having the right health insurance ensures you can enjoy your travels without worrying about unexpected medical bills.
Whether you’re on a short trip or building a location-independent life, choose a plan that matches your needs, budget, and destinations — and travel with peace of mind.