I've been traveling for over a decade, and along the way, I’ve had my fair share of experiences with various travel insurance plans. Let me be clear: travel insurance is not something you should ever skip. It’s a non-negotiable part of traveling, especially for digital nomads and long-term adventurers.

I’ve relied on my travel insurance more times than I can count — whether it was for emergency rabies treatment after a street dog bite in Bali or an unexpected root canal treatment in Bangkok. From hospital visits to emergency rooms, I’ve been there, and each time, I was incredibly grateful to have travel insurance to cover the costs and ensure I received the care I needed.

In this blog post, I’ll share my insights on the best travel insurance options for digital nomads, so you can travel with confidence and peace of mind. Whether you're a remote worker exploring new countries or a backpacker on a year-long adventure, the right insurance plan can protect you from unexpected medical expenses, trip cancellations, and other emergencies. But with so many options available, how do you choose the best travel insurance for your needs?

In this blog post, we’ll compare five popular travel insurance policies tailored for digital nomads and long-term travelers. We’ll break down the pros and cons of each and help you decide which travel insurance is best suited for your budget and lifestyle. But first, let's talk about travel insurances, so let me start with some of the most important questions, shall we? 

What Is Travel Insurance?

Travel insurance is a type of coverage designed to protect you from financial losses and unexpected accidents while traveling. It acts as a safety net, offering extra protection for a variety of situations — from lost luggage and trip cancellations to emergency medical care and evacuation. Essentially, it provides financial security and compensation if something goes wrong during your trip.

Travel insurance can cover you for both - international and domestic travel, whether you’re embarking on a weekend getaway, a year-long adventure, or you're a remote worker in a foreign country. It’s flexible enough to accommodate trips of any length and can be tailored to protect your belongings, health, and travel plans.

Is Travel Insurance Worth It? Should I Get Travel Insurance?

In case you're thinking, do I need travel insurance - let me tell you straight: Travel insurance is not just a luxury — it’s a necessity for anyone spending extended periods abroad. If you're wondering if travel insurance is worth it, let me assure you, YES it absolutely is! While skipping travel insurance might seem like a way to save money in the short term, the potential costs of something going wrong can be staggering — think bills reaching hundreds of thousands of dollars. 

The reality is simple: if you can’t afford travel insurance, you can’t afford to travel. It’s not just an optional expense; it’s a critical part of your travel budget that ensures you’re prepared for the unexpected.

When it comes to travel, it’s always better to be safe than sorry. Finding affordable travel insurance tailored to your needs isn’t difficult, and it can be a lifesaver if things don’t go as planned. With a wide range of policies available, there’s no reason to take unnecessary risks by traveling unprotected. Travel smart, travel safely, and make sure you’re covered with the right insurance for your journey. After all, peace of mind is priceless.

What Does Travel Insurance Cover?

Most travel insurance policies include the following types of coverage:

• Medical Expenses: Treatment for illnesses, injuries, and emergencies, including hospitalization and surgeries.
• Emergency Evacuation: Transportation to the nearest adequate medical facility or back to your home country.
• Trip Cancellation/Interruption: Reimbursement for non-refundable expenses if your trip is canceled or cut short due to covered reasons.
• Lost or Delayed Baggage: Compensation for lost, stolen, or delayed luggage.
• Travel Delays: Coverage for additional expenses (like accommodation and meals) due to delayed flights or transportation.
• Personal Liability: Protection in case you accidentally cause injury or damage to others.

What Does Travel Insurance Typically Not Cover?

While travel insurance is comprehensive, there are some common exclusions to be aware of:

• Pre-Existing Conditions: Most plans exclude coverage for pre-existing medical conditions, however two travel insurance providers in this blog post include pre-existing conditions.
• High-Risk Activities: Extreme sports or adventure activities (e.g., skydiving, mountaineering) may require additional coverage.
• Reckless Behavior: Injuries or incidents resulting from alcohol or drug use are often excluded.
• Unattended Belongings: Loss or theft of items left unattended in public places may not be covered.
• Travel to High-Risk Destinations: Some policies exclude coverage for countries with travel advisories or ongoing conflicts.

Always read the fine print of your policy to understand what’s included and excluded.

How Much Is Travel Insurance?

The cost of travel insurance per month varies depending on several factors, such as

• Your Age: Older travelers may pay higher premiums.
• Destination: Traveling to regions with higher healthcare costs (e.g., the U.S.) can increase prices.
• Coverage Level: Basic plans are cheaper, while comprehensive plans with trip cancellation, adventure sports, or high medical limits cost more.
• Trip Duration: Longer trips may have higher monthly costs. 

In this blog post I'm comparing five popular and highly ranked travel health insurances, perfect for digital nomads and long-term travelers. I will list the cost of each travel health insurance below - as far as I can get info on that - but generally speaking, the monthly cost ranges from $50 - $200 per month on average. I will also highlight the pros and cons of each travel insurance, so you can make the best choice for yourself.

How To Get Travel Insurance For International Travel?

If you're wondering where to buy travel insurance, getting travel insurance is actually a pretty straightforward process. You can purchase travel insurance online, all of the insurance providers featured in this blog post include a link to their website, making it simple for you to buy travel insurance. 

Once you’ve chosen the right plan, you can purchase travel insurance directly through the provider’s website. Most insurers offer instant confirmation and email you the policy documents.

Ready? Lets compare some of the best travel insurances for travelers and digital nomads, shall we?

1. Genki

Genki | Overview

• Product Name: Genki Explorer
• Medical Coverage: Unlimited
• Cost/Month: €48/$51 (18-39 years), €57/$60 (30-39 years old), €72/$76 (40-49 years), €105/$111 (50-59 years), €168/$177 (60-69 years)
• Deductible: €50/$53 per case
• Dental Coverage: Up to €1000/$1053 for emergency treatment
• Age Limit: 18 - 69 years old
• Payment Terms: Monthly subscription, can be cancelled any time
• Length: Up to 2 years consecutively
• Trustpilot Score: 4.2 (+600 reviews) - as of March 2025. See their latest reviews here

Genki is a relatively new player in the travel insurance market, based in Germany. Their focus is affordable and flexible travel insurance plans with comprehensive coverage, designed specifically for digital nomads, backpackers, remote workers and long-term travelers. 

What sets Genki apart from other travel insurances is its simplicity and understanding of the digital nomad lifestyle. They designed a travel insurance experience that’s refreshingly straightforward and hassle-free. Genki  won't ask you about about your travel plans or require a physical address. They don’t ask where you’re going or when you’re coming back (because let’s be honest, who really knows?). Everything is handled online, from purchasing your policy to accessing your documents, making it as simple as possible.

I personally used the Genki Explorer Travel Insurance for the past 2 years and I had no issues with them. I used on two occasions, and I got both times reimbursed. Everything from filing the claims to receiving the funds for the treatments went smoothly, although it took around 6 weeks to get reimbursed. What I love most about Genki is how they’ve stripped away the complexity of travel insurance, offering a product that’s easy to understand, easy to buy, and tailored to the needs of modern travelers. 

Genki Explorer Is Best For

Digital nomads and long-term travelers who prioritize quality travel medical insurance and want a budget-friendly option. If you're seeking a tailored, flexible health insurance solution, Genki Explorer presents a compelling option that bridges the gap between traditional travel insurance and comprehensive health coverage.

For more info, quotes or purchasing this travel insurance, head to their website www.genki.world.

2. SafetyWing

SafetyWing | Overview

• Product Name: SafetyWing Essential Travel Medical Insurance
• Medical Coverage: $250,000
• Cost/4 weeks: $56 (10-39 years), $92(40-49 years), $145 (50-59 years), $197 (60-69 years)
• Deductible: No
• Dental Coverage: Up to $1000 for emergency treatment
• Age Limit: 1 - 69 years old
• Payment Terms: 4 weeks subscription, can be cancelled any time
• Length: Automatically renews every 28 days. Maximum age limit is 69 years old
• Trustpilot Score: 4.0 (+1.6k reviews) - as of March 2025. See their latest reviews here

SafetyWing is known for its simplicity and flexibility, offering affordable travel medical insurance with a focus on global coverage. Their products are designed specifically for digital nomads, remote workers, and long-term travelers.

SafetyWing's Essential Travel Insurance plan is designed to cover unexpected medical emergencies and certain travel-related expenses. It provides protection while you’re outside your home country and even includes limited medical coverage during short visits back home. However, it’s important to note that this insurance is not designed to cover treatments for chronic conditions, such as cancer, and typically excludes coverage for pre-existing illnesses or injuries. 

SafetyWing Essential Travel Insurance Is Best For

Digital nomads, frequent travelers and backpackers who are seeking affordable medical coverage for unforeseen medical and travel incidents. The SafetyWing Essential Plan is suited for those who prefer a flexible option that can be purchased at any time, paid monthly and can be renewed for an unlimited time (until 69 years old.)

I recently wrote an article comparing SafetyWing's two travel insurance products (Essential and Complete Plan) - if you're interested in learning more about their products, also head over to my other article SafetyWing Review - Which Travel Insurance Plan is Right For You?

For more info, quotes or purchasing this travel insurance, head to their website www.safetywing.com.

3. World Nomads

World Nomads | Overview

• Product Name: World Nomads Standard Plan
• Medical Coverage: $125,000 for US residents, $5,000,000 for European residents
• Cost: Prices start roughly from $120/month and depend on your nationality and where you're going to travel. You can get a quote here
• Deductible: Not for US residents, however there is a deductible for non US residents
• Dental Coverage: Up to $750 for emergency treatment
• Age Limit: 18 - 69 years old
• Payment Terms: Upfront for the entire period. You can buy a new plan if you travel longer
• Length: Depends on your residency, either up to 180 days or 1 year.
• Trustpilot Score: 4.2 (+4k reviews) - as of March 2025. See their latest reviews here

World Nomads has been around for a long time and is a trusted and popular choice for travelers, particularly those with a sense of adventure. Designed for globetrotters and backpackers, this plan offers comprehensive coverage for a wide range of travel-related incidents. It includes emergency medical expenses, trip cancellations, adventure activities, lost or stolen baggage, and even emergency evacuation.

The World Nomads Standard Plan has different pricing models and insurance terms for US and non US travelers. It depends on your residency, how long you plan to travel, and your travel destination(s). It's not as transparent as the other travel insurance providers where you know immediately how much you pay. The only way to find out how much it is by filling our their form. Insurance plans can be purchased online in minutes, even after you’ve started your trip. 

World Nomads Standard Plan Is Best For

Adventure travelers and backpackers, looking for extensive medical coverage for adventure activities, such as hiking, surfing, and scuba diving, making it ideal for thrill-seekers. The World Nomads Standard Plan also includes a few non-insurance services such as help with lost bags and pre-trip medical consultations.

For more info, quotes or purchasing this travel insurance, head to their website www.worldnomads.com.

4. Seven Corners

Seven Corners | Overview

• Product Name: Seven Corners Travel Medical Global
• Medical Coverage: customizable - from $100,000 to $1,000,000
• Cost: Prices start from less than $400/year and depend on your age, length of trip, travel destinations, deductible and coverage minimum. Get a quote here
• Deductible: customizable - from $0 to $1,000 
• Dental Coverage: up to $250 - 500 for emergency treatment, depending on your plan
• Age Limit: 14 - 79 years old
• Payment Terms: Upfront for the entire period
• Length: Up to maximum 1 year, but can be extended before expiration date
• Trustpilot Score: 4.4 (+5.4k reviews) - as of March 2025. See their latest reviews here

Seven Corners is a specialized travel medical insurance provider, providing customizable medical coverage for international travelers, expats, and long-term travelers. This plan focuses primarily on providing robust medical coverage for unexpected illnesses or injuries while traveling abroad. It’s an excellent choice for those who need comprehensive health protection without the added cost of trip cancellation or baggage coverage.

The Travel Medical Global Plan offers high coverage limits for medical expenses, emergency medical evacuation, and repatriation of remains. The plan is renewable, making it a great option for long-term travelers or digital nomads who need continuous coverage. Additionally, Seven Corners provides 24/7 emergency assistance, ensuring help is always available no matter where you are in the world.

Seven Corners Travel Medical Global Is Best For

Digital nomads, long-term travelers, and international travelers who prioritize comprehensive medical coverage over trip-related protections. Also budget conscious travelers will appreciate Seven Corners for its affordability and flexibility. The customizable plans allow you to adjust coverage to fit your specific needs and budget, making it one of the cheapest travel insurance options available.

Whether you’re looking for basic medical coverage or more comprehensive protection, Seven Corners gives you the freedom to create a plan that’s both cost-effective and tailored to your travel style. It’s a great choice for travelers who want reliable coverage without breaking the bank.

The Travel Medical Global Plan is particularly well-suited for those living abroad or traveling for extended periods, as the plan is renewable and offers high medical limits. Additionally, Seven Corners a great choice for travelers with pre-existing conditions or those engaging in adventure activities, thanks to its optional add-ons. 

For more info, quotes or purchasing travel insurance, head to their website www.sevencorners.com.

5. Visitors Coverage

Visitors Coverage | Overview

• Product Name: Visitors Coverage International Travel Insurance
• Medical Coverage: Customizable - from $50,000 to $8,000,000
• Cost: Depends on your nationality, travel destinations and coverage limits. You can get a quote here
• Deductible: Customizable - from $0 to $25,000
• Dental Coverage: Up to $300 for emergency treatment
• Age Limit: 14 - 99 years old
• Payment Terms: Upfront for the entire period, but can be extended before the policy expiration date
• Length: Up to maximum 1 year, but can be extended
• Trustpilot Score: 4.7 (+6.6k reviews) - as of March 2025. See their latest reviews here

One of the key strengths of Visitors Coverage is its flexibility. You can tailor your plan to include specific coverage for medical emergencies, pre-existing conditions, adventure sports, or even rental car protection. The platform also provides clear comparisons of different policies, making it easy to find affordable and comprehensive coverage.

The Visitors Coverage Travel Insurance is extremely versatile and highly customizable, designed to meet the needs of a wide range of travelers, including individuals, families, groups, and long-term travelers. Unlike traditional providers, Visitors Coverage partners with multiple insurers to offer a variety of plans, allowing you to compare and choose the one that best fits your needs and requirements.

Visitors Coverage Travel Insurance Is Best For

Families, groups, and travelers who want a highly customizable travel medical insurance plan. Visitors Coverage Travel Insurance is ideal for travelers with specific needs who want the flexibility to customize their insurance plans. It’s also a great choice for those looking for protection for pre-existing conditions.

Additionally, it’s well-suited for travelers who prefer to compare multiple options and find the best value for their budget. Visitors Coverage is a reliable platform for travelers seeking tailored and comprehensive travel insurance solutions.

For more info, quotes or purchasing travel insurance, head to their website www.visitorscoverage.com.

Getting travel insurance is a straightforward process, but it’s important to take the time to choose the right plan for your needs. Here’s a step-by-step guide to not get lost in the process.

1. Assess your needs - Before purchasing travel insurance, consider:

• Trip Duration: Are you traveling for a week, a month, or a year?
• Destination: Some regions have higher healthcare costs or risks, which may affect your coverage needs.
• Activities: Will you be engaging in adventure sports or high-risk activities?
• Budget: How much are you willing to spend on travel insurance?
• Coverage Priorities: Do you need travel medical insurance, trip cancellation, or baggage protection?

2. Get a quote from each travel insurance provider - Get an estimate of the cost, and compare their plans, coverage limits, and customer reviews to find the best fit.

• Genki
• Safety Wing
• World Nomads
• Seven Corners
• Visitors Coverage

3. Read the fine print - Before purchasing, carefully review the policy details, including:

• Coverage Limits: What’s the maximum payout for medical expenses, trip cancellations, etc.?
• Exclusions: What’s not covered (e.g., pre-existing conditions, high-risk activities)?
• Claims Process: How do you file a claim, and what documentation is required?

4. Purchase the policy

Once you’ve chosen the right plan, you can purchase it directly through the provider’s website. Most insurers offer instant confirmation and email you the policy documents.

5. Download and save your policy - After purchasing, download your policy documents and save them in a secure place. It’s also a good idea to:

• Email a copy to yourself.
• Share it with a trusted friend or family member.
• Carry a physical or digital copy while traveling.

6. Understand how to use it - Familiarize yourself with the claims process and emergency contact information. 

• Save the travel insurance's 24/7 emergency hotline in your phone.
• Keep receipts and documentation for any expenses you may need to claim.

When it comes to finding the best travel insurance for digital nomads, there’s no one-size-fits-all solution. Your choice will depend on your travel style, budget, and coverage needs.

• If you’re looking for a rather affordable or cheap travel insurance with medium to high coverage:
  Genki, Safety Wing and Seven Corners are excellent options.
• For adventure travelers seeking coverage for high-risk activities:
  World Nomads offers the best coverage for range of activities.
• If you need a customizable plan for you or your family:
  Visitors Coverage and Seven Corners are the best choices with a range of options.
• Travelers who prefer a monthly subscription that can be cancelled at any time
  Safety Wing and Genki are perfect for those who don't like to pay for a year upfront.

No matter which plan you choose, having travel medical insurance is a must for protecting yourself on the road. I hope you found this blog post helpful. If you have experience with any of the travel insurances featured in this article, please tell me about your experience in the comments.

Wishing you all happy and SAFE travels!

More Blog Posts about Health and Travel

• SafetyWing Review - Which Travel Insurance Plan is right for you?
• Priority Pass Review - Is Airport Lounge Access Worth it?
• Best Health and Wellness Retreats in Thailand
• Foyer Global Health - International Health Insurance for Digital Nomads and Expats
• Sukhavati Bali - How 10 Days in an Ayurvedic Retreat Reset my Body, Mind and Soul

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