Money Hacks

A Digital Nomad’s Ultimate Guide to Health Insurance

When you’re self-employed, health insurance can be a real concern. In fact, it is one of the top issues people have when considering a remote lifestyle. Luckily, when you’re a digital nomad and working remotely, you’ve got some fantastic options to protect you in case of illness or injury.

Most of these packages don’t just include health insurance coverage. They also cover you if your bags get lost or stolen, which is always a bonus for digital nomads.


Digital nomads love SafetyWing, which offers medical insurance for people who are outside their own countries. You can also use it for 30 days while you are in your home country, or 15 days if you live in the United States. This means you can check in at home without losing your coverage.

SafetyWing offers many benefits at an affordable price, and even throws in coverage for a kid for free. They base their plan pricing on your age group, with people between the ages of 18 and 39 priced at $37 for four weeks. The highest priced plan is for travelers between the ages of 60 and 69, which is $127 for four weeks. The plans auto renew every 28 days so you don’t have to think about a thing. 

SafetyWing health coverage

If you get sick or get in an accident while working remotely, they offer pretty extensive coverage. Keep in mind that pre-existing disease or injury, cancer treatments, and injuries from high-risk sports are not covered. Freelancers health coverage includes:

  • Ambulance rides
  • Intensive care
  • Hospital stays
  • Physical therapy ordered by a doctor
  • Emergency dental care

SafetyWing was started by digital nomads, so they understand how remote workers can sometimes fall through the cracks when it comes to health insurance. They plan to offer comprehensive health care coverage, disability, and pension plans in the future. 

Digital nomads have different needs when it comes to health insurance. | Submitted by Sophie McAulay

World Nomads

This is another company that offers a worldwide medical insurance plan, allowing you explore the world worry-free. World Nomads is designed for travelers and freelancers, and offers insurance for medical care, pregnancy, and medical repatriation. 

World Nomads health coverage

Being without health insurance while working remotely is just a bad idea. You never know what might happen to you, or when you might get sick or injured. World Nomads covers:

  • Prescription medications
  • Ambulance trips
  • Hospitalization
  • Outpatient treatments
  • Day surgeries
  • Emergency dental expenses
  • Getting you home in a medical emergency

World Nomads offers members 24/7 access to medical care and transportation. They give you an individual quote based on your age, health, and how long you will be living the digital nomad lifestyle. This company also helps you stay safe while you work remotely by issuing alerts on civil unrest, natural disasters, and outbreaks. 

Staying healthy is important | Submitted by Remoter Staff


Blue Cross & Blue Shield, one of the biggest names in health insurance, also offers an international plan for digital nomads. GeoGuard can be purchased for short or long term trips, and offers a network of doctors and resources all over the world.

When you’re a member, you have access to the highest level of care the country has to offer, and you can conveniently use your phone to book appointments, address concerns, or handle emergencies. It’s insurance that travels with you, and you can get big discounts on groups of five or more. 

Others health insurance companies

If you don’t find what you’re looking for in these medical insurance options, you can check out companies like TravelGuard, IMGlobal, or Premier Health. Do a little research and you’ll be covered from any medical issues or illness while working remotely. 

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