Digital Nomad Insurance
Remote workers who move between countries every few months fall between the travel and expat shelves, and the products on this page present themselves as designed around that pattern. They come mainly from plan brands, plus a few insurers and two specialist brokers. Their terms are unusually varied. Some run as monthly subscriptions that renew until cancelled, others sell fixed periods or annual contracts. The plan pages differ on how much time in the home country is included, on the residences and nationalities accepted, and on whether the product is emergency travel medical or broader health insurance with routine care. Pre-existing condition wording and age limits also vary. Where a technology brand sells a plan written by a separate insurer, the write-up names that company when the page does.
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A managing general agent selling Nomad Insurance to individuals and Remote Health to companies, each product naming a different Puerto Rico insurer as underwriter on its own page.
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World Nomads sells four travel protection plans to US residents, developed by Trip Mate and underwritten by United States Fire Insurance Company, with adventure activities built in.
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A German insurance agent selling Genki Traveler travel health cover and Genki Native international health insurance to nomads and expats, with Squarelife as the insurer.
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Heymondo is a Barcelona-registered insurance distributor selling its own International, Annual Multi-Trip and Long Stay travel insurance, managed through an app with 24/7 medical chat.
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An Allianz Partners insurer selling tiered Care international health plans and the short-term Flexicare plan to expats, families and nomads, priced through a quote.
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A regulated AXA insurer selling expat and nomad health plans in five cover levels, with cashless hospital access, virtual care and a stated pre-existing-condition exclusion.
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A Tokio Marine HCC company selling its own Atlas and StudentSecure travel medical plans and Atlas Journey trip protection, each underwritten by a named Tokio Marine HCC carrier.
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A plan brand in Carmel, Indiana, selling visitor, travel medical, trip protection, evacuation and expat plans, with insurance on its visitor and evacuation plans underwritten by Crum & Forster SPC.
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A UK plan brand and FCA-regulated intermediary selling four tiers of international health insurance for expats, underwritten by AWP Health & Life SA of the Allianz Group.
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A UK and German managing general agent selling Integra Global, Health Protect, MarineSure and PilotCare international health plans, underwritten by the French insurer MGEN.
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A German plan brand selling several named international health plans, expat, US and China products among them, brokered under one roof rather than underwritten by itself.
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The Estonia-licensed broker Herrmann, Huebner & Partner, comparing international health and long-term travel insurance from 25+ insurers for digital nomads.
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A UK-listed distributor selling four annual international medical plans underwritten by Regency Assurance to digital nomads, expats and remote workers, with every country covered except the USA.
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A Dutch non-profit broker that advises on and mediates IMG, APRIL International and William Russell plans for expats, students and travelers rather than underwriting any policy itself.
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A Belgian authorised underwriter selling Expat, Europat, student, au-pair and travel plans, with the risk carried by Inter Partner Assistance of the AXA Partners Group.
Frequently asked questions
What's the difference between the insurance options listed here?
The options vary because some are direct insurers like AXA Global Healthcare, while others are brokers like NOMADS.insure or JoHo Insurances that compare plans from multiple providers. You'll find a mix of travel medical plans for short trips and comprehensive international health insurance meant for long-term living abroad.
Can I find coverage that includes adventure sports?
Yes, some plans are specifically developed with adventure activities built into the coverage. World Nomads is a notable example of a provider offering protection plans designed for these types of activities.
Are there plans that handle hospital bills directly?
Some providers offer features like cashless hospital access to simplify the payment process. AXA Global Healthcare is one provider that offers this along with virtual care options.
Do these plans cover pre-existing medical conditions?
You'll need to check specific policy terms because coverage varies widely across these listings. For instance, AXA Global Healthcare explicitly states they have a pre-existing condition exclusion.