Standard travel insurance is built for a two-week vacation, not a laptop that has to survive a year on the road. This guide compares six plans built for digital nomads, covering medical costs, evacuation, and the electronics that keep your income moving. Each entry breaks down pricing, coverage limits, and what happens if your gear gets stolen mid-trip.
What this list filters for
Every plan here is judged on four things: monthly or per-period cost, the medical coverage ceiling, whether electronics or equipment are covered and at what limit, and whether the plan satisfies common digital nomad visa insurance requirements. Plans are ranked from the most budget-friendly entry point to the most comprehensive, expat-grade coverage.
Related: Best health insurance plans for digital nomads
1. SafetyWing Nomad Insurance Complete
SafetyWing remains the name most nomads reach for first, largely because it is priced and structured like a subscription rather than a traditional policy.
- Price: Essential starts at $62.72 per 4 weeks for ages 10 to 39, with Complete priced higher for broader benefits.
- Medical coverage: Up to $250,000 on Essential, up to $1,500,000 on Complete.
- Electronics add-on: Covers laptops, tablets, and cameras up to $2,000 per stolen item, capped at $5,000 a year, per SafetyWing’s current plan page.
- Countries covered: 180+, and you can buy or renew the plan while already abroad.
Older reviews list the electronics add-on at a lower $1,000 per item, so confirm the current limit on SafetyWing’s site before buying, since these figures do shift. The subscription model, billed every 4 weeks with no fixed end date, is what makes it a fit for open-ended travel plans.
Best for: nomads who want the cheapest entry point and don’t mind adding gear coverage as a separate line item.
2. Genki Traveler
Genki built its plan around long stretches abroad rather than single trips, and it shows in how few hard caps the policy has.
- Price: From €48.30 to €52.50 per month, billed monthly with no fixed contract length.
- Medical coverage: Up to €1,000,000, with no overall cost limit on most treatment types.
- Mental health: Inpatient and outpatient mental health care included, which most budget plans skip entirely.
- Age range: Open to travelers up to 69 years old.
Genki doesn’t sell a dedicated electronics add-on the way SafetyWing does. Nomads carrying an expensive camera or a second laptop should plan to cover that gear through a separate policy or their home contents insurance.
Best for: nomads who want strong medical coverage and real mental health support without paying US-style premiums.
3. World Nomads Explorer
World Nomads was built for travelers who mix long stretches of remote work with adventure sports, and the plan’s structure still reflects that.
- Price: Roughly $84 to $150 per month for long-term coverage, depending on age and destination.
- Gear coverage: Baggage and equipment limit of $3,000 total, with per-item sub-limits that apply within that cap.
- Activities: Covers 200+ adventure activities automatically, including surfing, scuba diving, and skiing.
- Ownership: Acquired by International Medical Group in February 2026, which folded it into a larger medical network.
A $3,000 total limit covers a laptop and a mid-range camera comfortably, but nomads traveling with a full photography or drone kit will likely exceed it and need supplemental gear insurance.
Best for: nomads who work remotely between bouts of adventure travel and want sports coverage bundled in by default.
4. IMG Global Medical Insurance
IMG splits its offering into medical coverage and device protection as two separate products, which gives more control over what you’re paying for.
- Price: Varies by tier, Bronze through Platinum, with maximum coverage limits from $1,000,000 to $8,000,000.
- Device protection: An optional add-on covers phone and laptop theft or accidental damage, separate from the medical plan.
- Deductible: Starts at $0 on the entry-level Atlas Nomads plan for travelers up to age 39.
- Age limit: Medical coverage available up to age 74, wider than most nomad-specific insurers.
Running two policies side by side takes more setup than a bundled plan, but each one is priced for its specific risk instead of averaging gear and medical costs into one premium.
Best for: nomads who want the highest available medical ceiling and are fine adding device protection as a second policy.
5. Cigna Global
Cigna Global is the option nomads tend to graduate to once they plan to settle in one country for a year or longer rather than move every few weeks.
- Price: Starts around $200 a month, rising with age, deductible choice, and add-ons.
- Network: Over 1.65 million doctors and hospitals across 200 countries, with direct billing at many of them.
- Tiers: Silver, Gold, and Platinum, with Platinum dropping the deductible to zero.
- Extras: Optional dental, vision, maternity, and political evacuation cover.
Cigna Global doesn’t fold in equipment coverage the way SafetyWing does. The premium buys medical depth and provider access, not laptop protection, so budget separately for gear.
Best for: long-term nomads settling into one base who want expat-grade medical access over gear protection.
6. Insured Nomads World Explorer
Insured Nomads is the plan on this list that names its equipment and liability limits most explicitly, rather than folding gear into a generic add-on.
- Price: Starts near $224 a month, with a minimum six-month term for individual plans.
- Equipment coverage: Sports and photography equipment covered up to $1,000; general electronics covered up to $500.
- Liability: $25,000 in personal liability on the World Explorer tier (the World Explorer Multi tier drops this benefit).
- Extras: Telehealth, mental health support, and airport lounge access during delays.
The $500 electronics limit is thin for a modern laptop on its own, so pair this plan with device insurance through your bank or a dedicated gear policy if your setup is worth more than that.
Best for: nomads who want their equipment and liability limits spelled out in dollar terms upfront, not buried in fine print.
Find your next base on FlyBibe
Coverage sorted, the next step is picking where to land. Whether that’s a coworking-heavy hub or a slower base for a few months, search flights on FlyBibe and line up your next stretch of work somewhere new.