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The 3 Best Insurances for Digital Nomads in 2023

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By Faddy | Digital Nomadism and Programming Expert Read more
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SafetyWing Nomad Insurance
SafetyWing Nomad Insurance
Super cheap
Buy anywhere and anytime
Cancel anywhere and anytime
World Nomads
World Nomads
Coverage for many countries
Extend coverage mid-trip
No pandemic exclusion
Insured Nomads
Insured Nomads
Medical, travel, and trip cancellation coverage
Multiple plan options
Coverage for any country

Note: The content provided on this page, is based solely on my personal research, experiences and opinions. I am not a lawyer, insurance expert, or official representative of any of these companies. It's essential that you refer directly to the company's official website for accurate information and details on the terms of their service. Always consult with a professional before making any decisions based on the information provided here.

Ready to hit the road but worried about the 'what-ifs'? Don't sweat it. In this ultimate guide, we're diving deep into the world of travel insurance for digital nomads. We've sifted through the fine print and crunched the numbers to bring you the top insurance providers of 2023. Whether you're a solo traveler or a digital nomad family, we've got you covered—literally. I did some extensive research on the top digital nomad insurance providers and put together this list of my top choices.


  • SafetyWing Nomad Insurance - Digital nomad-focused insurance that provides medical and travel coverage, with the ability to purchase while abroad.
  • World Nomads - Travel insurance provider with options for residents of many countries, emphasizing coverage for sports and activities.
  • Insured Nomads - Insurance provider offering varied plans for digital nomads, remote workers, and expats, with a focus on medical benefits.

1. SafetyWing Nomad Insurance

SafetyWing Nomad Insurance

SafetyWing Nomad Insurance is designed specifically for digital nomads, freelancers, and remote workers.

They offer a subscription-based model, allowing you to pay for coverage on a monthly basis.

This flexibility is a major perk for those who have variable travel plans.

They also provide coverage for COVID-19, which is a significant advantage in the current climate.

SafetyWing is underwritten by Tokio Marine, one of the largest insurance companies in the world.

This adds a layer of trust and reliability to their offerings.

Read our review

Read our in-depth review if you want more details about SafetyWing Nomad Insurance.

Price Calculator


  • Super easy to use: Just like a subscription and fits all kinds of travelers.
  • Crazy affordable: Only around $45 for a month. Best deal I've found.
  • Covers motorbikes and scooters: Not many other insurance providers does this.
  • COVID-19 and quarantine are included: You're covered for the pandemic.
  • Worldwide and some home coverage: You're good globally and even back home for short stays.
  • Highly trustworthy: Backed by big names like Y-Combinator and Tokio Marine.


  • No coverage for pre-existing conditions
  • Limited coverage for your personal items

2. World Nomads

World Nomads

World Nomads is a popular choice among adventurous travelers and digital nomads.

They offer two main plans: Standard and Explorer, each catering to different types of travel experiences.

One unique feature is their coverage for a wide array of sports and activities, something not commonly found in traditional travel insurance.

They are underwritten by Nationwide Insurance, adding an extra layer of reliability.

Importantly, World Nomads does not have a pandemic exclusion, meaning COVID-related claims are covered.

This makes it a versatile and reliable option for those who are looking for comprehensive coverage.


  • Two policy options: Standard and Explorer
  • Covers over 260 sports and activities
  • Emergency healthcare, evacuation, and repatriation services
  • Baggage delay and loss coverage
  • Rental car damage (Explorer Plan)
  • COVID-related claims covered


  • Fear of travel not a valid reason for trip cancellation
  • Coverage can’t exceed 180 days

3. Insured Nomads

Insured Nomads

Insured Nomads stands out for its focus on comprehensive health and wellness.

They offer a variety of plans that include not just medical coverage, but also mental health support.

Their policies are designed to be flexible, catering to both short-term travelers and long-term digital nomads.

They also offer unique add-ons like coverage for extreme sports, making them a versatile choice.

Insured Nomads is underwritten by certain underwriters at Lloyd's, adding to their credibility.

Their focus on holistic well-being sets them apart in the crowded travel insurance market.


  • 24-hour emergency medical care
  • COVID-19 coverage included
  • Acute onset of pre-existing condition coverage
  • Emergency dental treatment
  • Natural disaster accommodations
  • Lost luggage coverage


  • Excludes war and terrorism
  • No coverage for extreme sports unless added
Disclaimer: We're reader-supported. We only recommend products that we think are helpful to you. When you buy products or services through links on our site, we may earn a small commission at no additional cost to you. This helps us keep creating helpful content for you.

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About the Author, Faddy

Faddy is a digital nomad blogger, currently exploring the beauty of Thailand. Faddy has embraced the nomadic lifestyle and is eager to share his experiences and insights with others. With a 15+ year experience in IT he has a keen interest in entrepreneurship and technology, he has successfully managed to juggle work and travel, embodying the essence of a digital nomad.

Faddy's journey is not just about visiting new places, but also about immersing himself in diverse cultures and experiences. Through his blog, he aims to help others find the harmony between work and travel, and to navigate the digital world with confidence and joy. Join Faddy on this exciting journey and discover the magic of the nomad lifestyle.

Read more about Faddy here