Travel Insurance for
Digital Nomads
Travel insurance for digital nomads and backpackers
Explore the world
No need to tell us where you're going. Just go. We've got you covered.
No limits on your health
We cover necessary medical treatment. No annual limits to worry about.
Choose any doctor
We cover treatment at every licensed healthcare provider worldwide.
We make it easy
Get an instant price and sign up online, even if you're already abroad.
Highlights
🌏 Worldwide. We cover care in every country. Available to citizens of any country.
📆 Flexible monthly subscription. No long-term contract. Cancel anytime.
📱 Easy to sign-up (and cancel) in minutes, all online, from anywhere in the world.
Risk covered by:
What is insured?
Medical treatment everywhere
Treatment at any locally recognized healthcare provider around the world.
That includes visits with overnight stays (“inpatient”) and without (“outpatient”).
Limited dental & mental treatment (see below).
Sports injuries
Surfing, kitesurfing, skiing, snowboarding, kayaking, cycling, mountain biking, and hiking, for example, are covered.
All sports are covered unless they're listed under Dangerous activities.
Assistance & direct billing
24/7 hotline for emergencies and hospital stays.
Our assistance follows up on your treatment and ensures high quality care. They guarantee and organize payments directly to your hospital.
This is provided by MD Medicus & Global Excel.
Hospital visits
If you likely have to stay in a hospital for more than five days a close friend or family member can visit you. We pay for their travel costs.
Medical transport
We cover transport costs to the nearest hospital that fits your medical needs.
If your recovery takes a long time, we can bring you to your home country. You decide.
Repatriation
We can bring mortal remains to their home country. Alternatively a burial abroad is covered up to the amount of the repatriation costs.
Pregnancy
Check-ups up to the 12th week of pregnancy, two ultrasound examinations, treatment for complications, labor including birth assistants & midwives, and postnatal care up to €50,000.
Emergency dental treatment
Treatment for pain relief up to €500 per case. Necessary treatment as a result of an accident up to €1,000 per case.
Initial mental issue treatment
Initial outpatient treatment of mental illnesses up to €1,500 per year.
Emergency inpatient treatment of first-time mental and emotional disorders up to €20,000 per year.
COVID-19
You're covered for treatment of COVID-19 without cost limit. We'll state that explicitly on your certificate — suitable for immigration.
Quarantines are not covered as they are not medically necessary.
Medication & materials
Medically necessary medication, remedies, and dressing material.
No overall cost limit
We expect that all parties help in keeping the cost reasonable. There are only a few specific limits that are mentioned where needed.
What is not insured?
-
Pre-existing conditions
Medical conditions within six months before your insurance aren't covered.
If you had an accident or got sick right before signing up for this insurance, it won't be covered.
-
Dangerous activities
Diving, motorcycle & car racing (normal driving is fine), parachuting, paragliding, bungee & base jumping, free climbing, and mountaineering (if specialized equipment required) aren't covered.
-
Professional sports
Consequences of professional sports aren't covered. That's any sport where you receive compensation for your participation.
-
Drugs & excessive alcohol
Consequences of drugs or excessive alcohol consumption aren't covered.
-
Active participation in war
Consequences of actively participating in war activities aren't covered. Passive activities like a journalist reporting from a war zone are covered.
-
Medical tourism
If medical treatment is one of the reasons for your travel it isn't covered.
-
Anything after a return transport
As is common in worldwide health insurance, the insurer may end your insurance after a medical return transport to your home country.
You decide if you accept a return transport.
-
Non-medical travel-related costs
This is high-quality health insurance.
Trip cancellation, trip interruption, flight delays, lost luggage, loss due to theft or burglary, and personal liabilities aren't covered.
Are there any restrictions on cover?
-
Deductible
You can choose a deductible of €50 per case to reduce the price of your insurance. In that case, the insurance will only cover costs in excess to that deductible.
For example, given a deductible of €50 and a doctor's bill of €1,000 you would pay €50 and we would pay the remaining €950.
Also, €250 will be deducted for treatment in U.S. emergency rooms unless medically necessary.
-
Home country
Cover in your home country is restricted to 6 weeks per 180 days and only includes accidents and life-threatening emergencies.
Your home country is covered only if you left it at least once after your insurance started.
-
Waiting period
If you signed up from abroad the first 14 days of cover are restricted to accidents and life-threatening emergencies.
There's no waiting period if you have healthcare cover elsewhere until your cover with us begins.
-
Pre-existing pregnancy
For a pregnancy that has already arisen before the start of the insurance the cover is restricted to acute and unforeseeable deterioration in the health of mother or child.
Disclaimers:
-
We receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is not a recommendation to buy travel insurance.
-
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
-
WorldTrips Producer Number: Alliance Parcel 28225-001