If you’re a digital nomad or just planning to work remotely for a while, then you may wonder how this might affect what kind of insurance you need.

It is a good idea to have some travel medical insurance, so that you are covered for anything from doctor visits to any medical emergencies abroad. As a remote worker, you’re also likely to travel with quite a bit of gear (such as your travel laptop), so good theft insurance can give some additional peace of mind.

These and many other eventualities are covered in travel insurance policies. I will recommend two different ones here, which each have advantages depending on how long you plan to work remotely.

These types of travel insurance policies are complementary to any primary medical insurance you might have in your home country. Should you become fully nomadic and no longer pay for any (state or private) medical insurance at home, then you could instead consider full medical insurance with worldwide coverage such as SafetyWing’s Remote Health policy.

Travel insurance for part-time nomads

If you plan to work remotely for part of the year or during specific remote work trips, then I recommend looking at travel insurance that supports long trips.

This is not true of most travel insurance. Often, regular travel insurance policies have a restrictive individual trip length limit.

If you’re going to be working remotely for, say, the winter season, or if you plan to take several long remote work trips throughout the year, then such policies may not be right for you.

In this case, I recommend the Heymondo Annual Multi-Trip policy. It provides travel insurance for an entire year and comes with an individual trip limit of 60 days.

This is the policy I currently use myself. Since I spend part of the year living at home, but also take remote trips at different times of the year, this has been the perfect insurance for me. If you travel longer than 60 days, but not full-time, then you can also consider the Heymondo Long Stay Insurance

Heymondo is an insurance provider backed by AXA, the world’s third-largest insurance company.

Their policies have better coverage than SafetyWing’s Nomad Insurance, which is discussed below. For example, with Heymondo Annual Multi-Trip you have a much higher limit on medical expenses abroad. There are also no copayments, deductibles, or excess with Heymondo.

The maximum trip length under the annual policy is 60 days. But after coming back home for a while, you can go on another 60-day trip and still be fully covered. So, this plan can also work for permanent digital nomads who go back to their home country at least every couple of months before going to their next destination.

 

Heymondo Annual Multi-Trip

 

60-day maximum trip length
The policy is valid for a whole year. Within this year, any individual trip can be no longer than 60 days.

 

Easy to use app
The Heymondo app lets you easily manage your policy, make claims, and get 24/7 travel assistance. You can also contact Heymondo through Whatsapp. This is much nicer than using clunky online forms or filling out PDFs.

 

No copayments, deductibles, or excess
This means there isn’t a part you have to pay first before your insurance starts to pay.

 

Strong coverage
Medical expenses up to $10,000,000 USD; Luggage theft and damage up to $2,500 USD

 

Nomad insurance for continuous travel

If you are a digital nomad with no end date for your travels, then you will likely want a different type of insurance.

This is also true if you simply want to travel for many months, but you are not yet sure when you are coming back.

As a long-term nomad, it makes more sense to get a somewhat cheaper nomad insurance. This way you might get slightly fewer benefits, but it’s also easier to afford over a longer period.

After all, travel insurance for tourists can be expensive, as it’s designed for people who are on their precious holiday and want maximum coverage for every eventuality. As a nomad, you are typically living more of a regular life, just in different places, so your needs and risks are likely a bit different. You probably also don’t want expensive travel insurance to be a constant drag on your monthly finances.

If this applies to you, then I recommend SafetyWing. This company was created just for digital nomads, with policies tailored exactly to the needs of remote workers around the world.

Here’s a thing most blogs don’t tell you though: the coverage you get with SafetyWing isn’t quite as good as with most other travel insurance. Firstly, there is a $250 deductible. Secondly, the maximum coverage for things like medical is quite a bit lower than with your typical travel insurance.

But that’s by design. SafetyWing is meant to be used on a month-by-month basis, so it’s less expensive. It covers you mainly for big unexpected costs, not the smaller things you could more easily pay for yourself.

What I like about SafetyWing is that they are becoming a one-stop-shop for digital nomads. Insurance is just the start. They are also introducing other products like nomad pension plans and remote doctor consultations via video, so it’s worth taking a closer look at everything they offer.

With SafetyWing’s Nomad Insurance policy, you will be covered even if you come back home for a brief visit. This is a unique perk you don’t get with normal travel insurance.

 

SafetyWing Nomad Insurance

 

Subscription-based insurance for nomads
By default SafetyWing works on a month-to-month basis. It’s tailored to digital nomads and remote workers who travel year-round or for extended periods.

 

Home country coverage
After being abroad for 90 days, you can keep using medical coverage for up to 30 days in your home country if something happens while you’re there. This unique feature is ideal for nomads making occasional home visits.

 

Cheaper if you’re young
The standard policy is just $40 per month if you’re under 40. But this goes up to $64 for age 40-49, $101.64 for age 50-59, and $137.76 for age 60-69.

 

Deductibles & lower maximums
With low prices, there has to be a catch. Well, the coverages are a bit lower and there is also a $250 deductible. This means in the case of any incident you’ll have to pay out of pocket up to $250 before SafetyWing will start compensating you.

By the way, the Nomad Insurance is still meant to be a travel/medical insurance, so it won’t cover you for pre-existing conditions or serious chronic issues or things like cancer. For that, you could consider SafetyWing’s Remote Health policy, which is full medical insurance that can be used anywhere in the world, including your home country. This policy costs more but also has fewer deductibles.


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