Whether you’re working from Chiang Mai, Mexico City, or Lisbon — things go wrong. Flights get delayed, scooters crash, laptops die. And let’s be honest: if you’re living abroad without insurance, you’re just hoping nothing happens.
In this guide, I’ll break down the best digital nomad travel insurance providers in 2025 — based on global coverage, medical protection, tech replacement, and real-world experience.
🧳 Why Nomads Need Travel Insurance
- 🏥 Medical emergencies abroad are expensive
- ✈️ Flight delays and lost luggage happen — often
- 💻 Some plans now even cover stolen electronics
- 🌐 Visa requirements in countries like Thailand or Bali may require insurance
- 🧠 Peace of mind = more focus, less stress
🎯 What to Look For as a Remote Worker
- Global coverage (especially outside your home country)
- Medical coverage: $100,000+
- COVID & travel disruption coverage
- Gadget protection (laptop, phone, etc.)
- Flexible subscriptions (monthly or cancel anytime)
- Nomad-friendly customer support
🥇 Best Travel Insurance Plans for Digital Nomads (2025)
1. SafetyWing – Nomad Insurance
- Coverage: Worldwide (incl. medical, travel delay, lost luggage)
- Price: From ~$45/month
- Pros: Affordable, flexible, built for nomads
- Cons: Limited gadget coverage
2. Heymondo
- Coverage: Medical + travel + 24/7 doctor chat
- Price: Varies by trip length
- Pros: Amazing app, good for longer stays
- Cons: Less known, slower claims in some countries
3. World Nomads
- Coverage: Strong medical + adventure activities
- Price: Mid-high depending on region
- Pros: Great for active travelers (diving, hiking, etc.)
- Cons: Not the cheapest option
4. Insured Nomads
- Coverage: Full remote lifestyle coverage
- Pros: Includes mental health, evacuation, and coworking space credits
- Cons: Premium pricing, but premium features
📊 Comparison Table
| Provider | Monthly Price | Medical Coverage | Cancel Anytime | Gear Protection |
|---|---|---|---|---|
| SafetyWing | ~$45 | $250,000 | ✅ | Basic |
| Heymondo | Varies | $500,000+ | ✅ | Optional add-on |
| World Nomads | Varies | $100,000–$500,000 | ❌ | Good |
| Insured Nomads | Premium | $1M+ | ✅ | Yes |
✈️ Pro Tips
- Use your business to deduct insurance (talk to your accountant)
- Always check if your home country is excluded (some are!)
- Scan your receipts — it speeds up reimbursements
- Bundle VPN, laptop protection, and insurance into one “remote safety” system
✅ Final Thoughts
If you’re just starting out: go with SafetyWing — it’s budget-friendly, reliable, and made for nomads.
Need more coverage or better tech protection? Look into Heymondo or Insured Nomads.
Don’t wait until something goes wrong. Get covered — and then get back to work and travel.
Safe travels, wherever you’re working from.