The best insurance for long-term nomads and travelers (according to us)
When you’re on the road for months at a time or even living that full-on digital nomad life, figuring out the right insurance for your health and travels isn’t always straightforward. There’s rarely a one-size-fits-all solution, and depending on where you’re going, how long you're traveling, and what kind of coverage you need, the options can start to feel overwhelming.
Considering all this, SafetyWing offers our preferred plans.
They’ve designed insurance specifically with travelers, remote workers, and nomads in mind, and they’ve made it easy to understand, flexible to use, and surprisingly affordable.
We’ll walk you through what SafetyWing’s Nomad Insurance offers, how it compares to other types of travel and health insurance, and how to decide between their two plans, Essential and Complete, depending on your travel style.
Who’s SafetyWing?
SafetyWing's mission is to create a global social safety net that anyone can access, no matter where they were born.
Through travel and health insurance products, SafetyWing has been supporting the health and well-being of nomads and remote workers since 2018.
What is Nomad Insurance?
Nomad Insurance is SafetyWing’s global travel and health insurance for individuals and families who live or work globally. It offers two options: Nomad Insurance Essential and Nomad Insurance Complete.
Both plans offer global coverage, which means you’re protected whether you’re backpacking across a bunch of countries or working remotely in one place.
What’s covered?
⭐️ Essential plan
Flexible, affordable travel medical insurance
US$250,000 COVERAGE LIMIT
Medical treatment and hospitalization
This includes: READ MORE
- hospital stays
- extended care after hospital
- diagnostics like MRIs
- nursing care
- emergency dental (up to $1000)
- ambulance for hospitalization
- and more...
Medical treatment and hospitalization
This includes:
- hospital stays
- extended care after hospital
- diagnostics like MRIs
- nursing care
- emergency dental (up to $1000)
- ambulance for hospitalization
- and more...
Evacuation to a better equipped hospital
Evacuation from local unrest
Injuries from leisure sports & activities
Motor accidents
Adventure sports add-on required for motorbiking
Trip interruption
In case of family death
Travel delay
Meals and accommodations for unplanned overnight stays
Lost checked luggage
Arrangements if you die
Best suited for people who are:
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Taking shorter or seasonal trips (less than 12 months a year)
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Looking for travel medical insurance to cover accidents and unexpected illness abroad
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Already covered in their home country or only need protection while on the move
It doesn’t include:
Routine checkups, ongoing care, or pre-existing conditions. This plan is really designed to cover the unexpected while you’re abroad.
You can buy coverage for fixed dates or subscribe to ongoing coverage you can cancel anytime, no itinerary needed.
✨ Complete plan
A full health insurance plan with added travel protections
US$1,500,000 COVERAGE LIMIT
Medical treatment and hospitalization
This includes: READ MORE
- hospital stays
- extended care after hospital
- diagnostics like MRIs
- nursing care
- emergency dental (up to $1000)
- ambulance for hospitalization
- and more...
Medical treatment and hospitalization
This includes:
- hospital stays
- extended care after hospital
- diagnostics like MRIs
- nursing care
- emergency dental (up to $1000)
- ambulance for hospitalization
- and more...
Evacuation to a better equipped hospital
Evacuation from local unrest
Injuries from leisure sports & activities
Motor accidents
Adventure sports add-on required for motorbiking
Trip interruption
In case of family death
Travel delay
Meals and accommodations for unplanned overnight stays
Lost checked luggage
Arrangements if you die
Doctor & specialist visits
Such as a dermatologist or gynaecologist
Routine check-ups for preventative care
Screenings & vaccines
Wellness therapies
Such as chiropractics, dieticians & acupuncture
Visits with a psychologist or psychiatrist
Cancer tests & treatments
Including chemotherapy, radiation, medications and more
Maternity care
Routine care during pregnancy, labor, and 30 days after birth
Trip cancellation
Due to factors beyond your control before you left
Stolen belongings
Passport, wallet or burglary while you were out
Best suited for people who are:
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People who are traveling full-time or living abroad long-term
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Freelancers, remote workers, and digital nomads looking for more full-spectrum care
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Anyone needing primary health insurance that works worldwide, including in their home country
It doesn’t include:
This plan doesn’t cover pre-existing conditions either. This plan is a 12-month contract, paid monthly or annually.
If you’re living abroad long-term, or if your lifestyle means you don’t have traditional health insurance anymore, this plan is going to give you broader coverage and more long-term support.
How it works
SafetyWing has made the sign-up process super simple. You can:
1. Choose Essential or Complete
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2. Pick your start date
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3. Add family (up to two kids under 10 are free on Essential plans)
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4. Manage your plan online
Claims are submitted online, and from what we’ve seen, reimbursement is fast— many are processed within 7 days, and some within 48 hours. (Make sure to check your dashboard to know what documents to upload for a fast reimbursement.)
What’s not covered?
Like any insurance, there are exclusions. Neither plan covers:
⛔️ ️Pre-existing conditions
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⛔ Professional sports activities
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⛔ Self-inflicted injury or substance abuse
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⛔ Cosmetic procedures or obesity treatments
Make sure to read the full policy document and coverage details to understand what’s included and what’s not.
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Nomad Citizen
SafetyWing, in partnership with Plumia, has just launched Nomad Citizen, a defining membership for global citizens.
What’s included
- ❤️ Premium health insurance
- 💰 Income insurance
- ✈️ Travel protections
- 🪪 Simplified applications for nomad visas
Not only does this membership include insurance, it also has built-in features for easier global mobility. What’s interesting is that it includes protections for your income, which is something we have never seen before bundled with travel and health insurance.