How to Handle Health & Travel Insurance While Digital Nomading

This is chapter 4 of a 15 part series about digital nomading and location independence. To see all of the other chapters, click here!

Traveling without health or travel insurance is risky for obvious reasons. Since travel insurance prices start at only $40/month, there isn’t a good reason to nomad without insurance.

When nomading, you have two basic options: travel insurance or international health insurance.

Travel Insurance vs. International Health Insurance for Digital Nomads

Travel insurance is much cheaper, but it only covers emergency medical assistance. Also, there are restrictions on U.S. coverage if you’re American. It does cover many things that traditional health insurance doesn’t, such as:

  1. Lost luggage
  2. Trip cancellations
  3. Emergency evacuations.

International Health Insurance is a much more expensive option, but it includes:

  1. Routine check-ups
  2. Ongoing care for existing conditions
  3. Broader U.S. coverage

Important Note: Standard U.S. health insurance plans usually provide limited coverage abroad. Make sure to read about coverage restrictions if you’re considering staying on your existing plan.

From my experience, healthcare costs in developing countries tend to be 5-10x cheaper than in the U.S.

Recommended Companies

The most popular travel insurance company in recent years has been WorldNomads. The most recommended company for nomads is an insurance startup built specifically for nomads, SafetyWing. This is my personal recommendation.

If you’re interested in international health insurance, I recommend checking out International Insurance to compare providers and options.

If you’re looking for a more detailed breakdown on travel insurance, then I recommend this article from NomadGate.

Keep Reading: Click here to read Chapter 5: How To Handle Taxes As A Digital Nomad

Cam Woodsum
I've been building digital businesses, wandering the world, and writing about optimizing life for freedom since early 2017. My mission is to lower the barrier for people who want to live with more freedom: whether that be as an entrepreneur, a digital nomad, an early retiree, or just as someone who wants to live a happiness-driven life.