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Understanding pre-existing conditions and travel insurance

Choosing the right insurance policy for pre-existing conditions, purchasing travel insurance with pre-existing conditions, pre-existing conditions and travel insurance faq, how to get travel insurance with pre-existing condition coverage.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Most travel insurance companies offer waivers for pre-existing stable medical conditions.
• To qualify for a pre-existing condition waiver, you must buy insurance within a certain timeframe.
• Keep in mind that not all policies cover pre-existing conditions, so always double-check your policy.

Medical travel insurance is a great way to protect your health and finances when traveling. If you have a pre-existing medical condition, you might assume you can't get coverage. Luckily, many travel insurance companies offer pre-existing condition coverage in the form of a pre-existing condition waiver.

Here's everything you need to know about pre-existing conditions and travel insurance, including how to find coverage options if you have a pre-existing condition.

Even many of the best travel insurance companies define pre-existing conditions as a change in your medical record that includes tests, examinations, treatment, or changes in medication. The changes in your medical record usually result in a diagnosis, which becomes a pre-existing condition. But you do not have to receive a formal diagnosis for it to be considered a pre-existing condition.

Travel insurance companies consider medical conditions within a specified look-back period, or length of time. The medical condition must be stable to qualify for a claim. Conditions are stable if you do not need additional treatment, medication, or diagnoses.

But even if your medical condition is stable, you likely need a pre-existing condition waiver to get coverage if it suddenly worsens while you're traveling. 

Travel insurance look-back periods for pre-existing conditions

If you file a claim, the insurance company has a right to review your medical record and ensure that you did not have a condition related to the claim. This process is known as a "look-back" period since the insurance looks back through your records. 

The look-back period usually includes 60 to 180 days before you buy the policy. Before approving your claim, the insurance company wants to determine if the condition already existed.

The insurance company may approve or deny your claim based on what it discovers. To avoid dealing with the risk of denial, you can qualify for a pre-existing condition waiver instead. 

Many travel insurance companies offer coverage for travelers with pre-existing conditions. For example, Tin Leg Travel insurance , listed in our guide on the best travel insurance for best pre-existing conditions coverage, offers pre-existing condition waivers for all its plans except Tin Leg Economy. 

While there are many options for pre-existing condition coverage, the challenge is finding the right one for you. 

Comparing policy terms and benefits

When comparing insurance policies, you should pay attention to the coverage limits for emergency medical and acute onset of a pre-existing condition. You should also assess the time window in which you must purchase insurance to receive coverage for pre-existing conditions. If you've already waited a week before purchasing, you may already be ineligible for a waiver with certain companies. 

You can contact individual companies for quotes or work with a travel insurance comparison site like TravelInsurance.com, SquareMouth, or InsureMyTrip . Comparison sites allow you to review multiple quotes at once. You can usually filter results based on companies that offer pre-existing medical condition waivers. 

Regardless of which company you choose, it's important to understand the policies regarding pre-existing conditions and adhere to the requirements.

With a pre-existing medical condition waiver, you disclose your medical conditions to your insurance provider and ensure that the condition does not impact your ability to file a claim. If you have a waiver, you can even bypass the look-back period.

The waivers are set up through the travel insurance company and should not impact the cost of your policy.

Application process and documentation

You must meet the following criteria to qualify for a pre-existing medical condition waiver:

• Stable medical condition: Conditions are stable if you do not need additional treatment, medication, or diagnoses. You also need a letter from your doctor to confirm that you are medically fit to travel on the day of your trip.
• Get coverage within a certain timeframe: You typically need to establish coverage shortly after you make your first payment towards the trip, but timelines vary by provider. 
• Coverage must equal nonrefundable costs: If there are nonrefundable parts of your trip, your travel insurance coverage must equal or exceed that amount. 

For example, if you were diagnosed with high blood pressure a few years ago, but the condition has been stable since — your medication manages the symptoms, and you have not needed additional medical support — then you likely qualify for a pre-existing condition waiver. 

Some companies do not provide coverage if you have certain health conditions, such as depression, dementia, or Alzheimer's disease, but it varies based on the provider. The coverage details of your policy depend on the plan you select. But comprehensive travel insurance usually covers baggage delays, trip cancellations, and emergency medical care. 

No, many of the best travel insurance companies offer pre-existing condition waivers, so you can get coverage with a pre-existing condition as long as you buy ahead of time. 

A company can deny your travel insurance claim based on what it discovers in the look-back period if you do not have a pre-existing condition waiver.

Obtaining travel insurance for a pre-existing condition at the last minute is unlikely, as most insurers require purchasing the policy within a set time frame from your initial trip deposit.

Disclose your pre-existing condition during the application process by providing detailed and accurate medical information as required by the insurer.

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Health Insurance Companies in Dubai | Next care Dubai

Next Care is one of the best health insurance companies in Dubai. They provide complete health insurance management and third party management services.

Next care is fully dedicated to fulfill the customers needs and they will continuosly evaluate their services to maintain a good quality in service.

They will provide the customers to find the best hospitals, clinics and diagnostic centers in the region.

Health insurance companies in Dubai | Next Care Dubai

Where is the location for the Next care health insurance company in Dubai?

Umm Al Sheif

Is the Next Care an Insurance Company?

No, but it works as a third party and a member of Alliance Group

How do I use my health insurance card?

The customers have to submit the Nextcare health insurance card for every visit to the health services provider within the network before service is obtained in order to qualify for the direct billing purpose

How can I contact the health insurance company in Dubai?

Eiffel Boulevard Limited Building ( Eiffel – 2 ) First floor, Sheikh Zayed Road, Umm Al Sheif P.O. Box 80864 Dubai, UAE Tel: +9714 2708000 Fax: +9714 2708302 Call Centre: +9714 2708800 Email: [email protected]

As a customer, how can I add my feedback about the Nextcare health insurance company in Dubai?

Visit: http://nextcare.ae/contact-us/customer-feedback.aspx

How can I contact or mail this insurance company for additional information?

Contact call center: +9714 2708800

Visit: http://nextcare.ae/contact-us/general-inquiry.aspx

How can I apply for a job in Next Care health insurance company in Dubai?

Visit: http://nextcare.ae/careers/apply-now.aspx

How can I know the current vacancies in this company?

Visit: http://nextcare.ae/careers/current-vacancies.aspx

Website: http://nextcare.ae/home.aspx

Information courtesy: https://www.facebook.com/nextcare

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7 Best Cheap Travel Insurance Companies in June 2024

Sean Cudahy is a freelance reporter specializing in coverage of airlines, travel, loyalty programs and public policy. A journalist of nine years, Sean most recently served as a general assignment reporter at The Points Guy, following an eight-year run as a local television news reporter. He lives with his wife and their French Bulldog outside Raleigh, North Carolina.

Giselle M. Cancio is an editor for the travel rewards team at NerdWallet. She has traveled to over 30 states and 20 countries, redeeming points and miles for almost a decade. She has over eight years of experience in journalism and content development across many topics.

She has juggled many roles in her career: writer, editor, social media manager, producer, on-camera host, videographer and photographer. She has been published in several media outlets and was selected to report from the 2016 Summer Olympics in Rio de Janeiro.

She frequents national parks and is on her way to checking all 30 Major League Baseball parks off her list. When she's not on a plane or planning her next trip, she's crafting, reading, playing board games, watching sports or trying new recipes.

She is based in Miami.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Finding the cheapest travel insurance is often a priority for travelers hoping to protect themselves and their finances while away from home.

But is it better to err on the side of affordable travel insurance or opt for a more comprehensive plan? That depends on your needs .

On average, a comprehensive plan that covers some combination of trip cancellation and interruption costs, medical coverage and baggage protection (and perhaps a number of other things) will cost you 5%-10% of what you paid for the trip, according to NerdWallet partner Squaremouth, a travel insurance marketplace.

That means a comprehensive policy for a trip that costs you $3,000 could run you anywhere between $150 and $300. Factors like the cost and length of your trip, the age of the travelers and how much protection you want can significantly influence what you pay for your plan.

Ultimately, Squaremouth recommends “the least expensive policy that offers the coverage [travelers] need.”

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

We considered a few factors as we looked for the most affordable travel insurance plans.

Price: If your goal is to find cheaper travel insurance, you want the price to be affordable.

Breadth of coverage: The best budget travel insurance is typically going to be a plan that offers a wide range of protections at an affordable cost, ensuring you’re protected with at least some coverage for a wide range of scenarios.

Uniqueness or customizability : While many travel insurance plans have similar protections, some stand out for particular coverage that can be helpful to certain travelers, like those needing to Cancel For Any Reason , those going on a cruise, or travelers with preexisting health conditions. We didn’t spring for the priciest plans with broad, deep coverage; instead, we picked those that meet a sort of budget "sweet spot" when it comes to cost efficiency.

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

We looked at travel insurance quotes for a hypothetical 10-day trip to Italy in October 2023. The traveler is a 40-year-old man living in North Carolina who spent $2,000 on the trip, including airfare.

Reliable but cheap travel insurance providers

1. axa assistance usa (silver plan: $70).

Why we picked it:

The $500 missed connection benefit is great for cruise and tour participants. It covers additional transportation, accommodations and meal costs when you miss a cruise or tour departure.

Full trip cancellation and interruption coverage, along with up to $25,000 for out-of-pocket medical costs and baggage coverage.

Among the lowest prices we found.

If you’re willing to spend a bit more than AXA's $70 Silver plan, a Gold plan only costs $19 more and gets you deeper coverage amounts and up to $35,000 in collision rental car insurance.

2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)

Cheapest plan we found while still offering a wide array of protections.

Includes a preexisting medical condition waiver.

Add-on rental car collision coverage optional for $10 per day. You can pick how many days you want the additional coverage — it’s not all or nothing.

At $56, this plan comes in at less than 3% of the $2,000 trip cost.

3. IMG (iTravelInsured Lite plan: $77)

Treats COVID-19 like any other illness, which is to say, if your claim accepts flu, strep throat or appendicitis as an acceptable, covered condition, the coronavirus is, too.

Covers costs related to trip interruption up to 125% 

Higher than normal limits on dental expenses, at $1,000. If your teeth are your Achilles heel (or your biggest fear), this plan might be for you.

The iTravelInsured Lite plan doesn’t offer some of the bells and whistles that other plans do, like rental car coverage , Cancel For Any Reason coverage or waivers for pre-existing conditions. But you’ll have relatively solid across-the-board trip protections.

4. John Hancock (Silver plan: $93 for a mid-tier plan)

Mid-level plan (as opposed to a basic plan) at an affordable price for travelers who want more coverage without paying too much.

Includes an optional Cancel For Any Reason add-on for travelers wanting flexibility. It is a bit pricey, at half the cost of the insurance ($46.50 extra for a $93 plan).

Reimburses up to $1,000 for lost baggage , far more than many basic plans.

Add-on rental car coverage for $9 per day.

At $88, John Hancock’s basic (Bronze) plan isn’t particularly affordable. But for just $4 extra, you can tap into the benefits of a mid-tier plan at still less than 5% of the total trip cost.

5. Nationwide (Essential plan: $76)

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

Covers trip interruption at 125% of the trip cost while providing comprehensive emergency medical and baggage coverage.

6. Seven Corners (Basic plan: $75)

On top of standard trip protections, it includes a relatively affordable Cancel For Any Reason option for $31.50 extra.

If you plan to rent expensive sporting equipment, you might consider paying $10 extra to cover lost, damaged, stolen or destroyed gear.

COVID-19 coverage reimburses you for costs incurred if you have to quarantine .

Rental car coverage comes in at an affordable $7 per day.

Seven Corners’ Basic plan stands out because it offers a little bit of everything, appealing to athletic travelers, those who need affordable trip protections, those who want the flexibility to cancel for any reason and those still concerned about getting quarantined due to COVID-19.

7. Travelex Insurance Services (Basic plan: $71)

Straightforward: What you see is what you get. This plan’s coverage has fewer rules and caveats than many. 

While not sporting the highest coverage amounts, it offers a solid range of protections to ensure you get at least something back when your travel is disrupted or you have a medical emergency.

Offers add-on rental car coverage for $10 per day.

At $71, the Travelex Basic plan’s cost is just over 3% of the $2,000 trip’s cost.

If you want to get travel insurance at the cheapest possible rate, here’s a trick. Put $0 as your trip cost, Stan Stanberg, co-founder of comparison site Travelinsurance.com said in an email.

“When excluding trip cancellation and trip interruption coverage the cost of a travel insurance plan goes down significantly,” Stanberg said.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical, trip delay , missed connection, baggage and other protections.

You’ll often find comprehensive travel insurance plans cost 5%-10% of your total trip cost, according to Squaremouth. This will often get you full trip cancellation and trip protection, baggage protection, emergency medical coverage and often other benefits.

Typically, the more you pay, the broader and deeper the coverage.

For many plans, you can purchase travel insurance up until you depart. However, to get access to the most protections possible, booking two days to two weeks after making your initial deposit is the best rule of thumb.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical,

, missed connection, baggage and other protections.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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SquareMouth travel insurance review 2024

Compare dozens of top travel insurance companies in minutes..

Squaremouth is an online travel insurance marketplace that's helped over 3.5 million people buy policies since 2003. It offers dozens of providers, including many of our top picks — like Nationwide , Berkshire Hathaway Travel Insurance and Travel Insured International . We love how simple the platform makes it to compare multiple providers and get details about each. And the unique zero-complaint guarantee means SquareMouth will remove a provider if you have an issue that's not adequately resolved.

Squaremouth Travel Insurance

The best way to estimate your costs is to request a quote

Policy highlights

While not an insurer itself, Squaremouth is a travel insurance marketplace that can help you quickly compare costs and coverage for a travel insurance policy. It offers annual and single trip policies from top providers including Berkshire Hathaway Travel Protection, Tin Leg, Generali and more.

24/7 assistance available

• Allows you to quickly and easily compare dozens of travel insurers
• Coverage from many top travel insurers is included
• Specialty coverage available for cruises and adventure sports
• Doesn't directly offer insurance policies since it's a marketplace

SquareMouth review

Policies offered by squaremouth, squaremouth pros and cons, squaremouth customer satisfaction, how do i buy travel insurance through squaremouth.

Squaremouth provides quotes for several different kinds of policies, including:

Single trip travel insurance

As you might expect, these are short-term policies intended to cover one trip . The coverage is more comprehensive than an annual travel insurance policy, with rates based on a percentage of your costs , typically between 4% and 8%.

Annual travel insurance

If you expect to travel a lot in a year, this policy can simplify things by putting all your coverage in one place. It varies by provider, but multi-trip policies usually cover travel delays, lost luggage and medical expenses.

Cruise travel insurance

The best cruise insurance policies include:

• Travel to and from your port of call
• Coverage at sea
• Trip delays, interruptions or cancellation
• Delayed or lost baggage
• Emergency medical care and evacuation

Adventure and sport travel insurance

Many standard travel insurance policies don't cover high-risk activities like skydiving, skiing and scuba diving. SquareMouth includes providers who offer coverage for extreme sports, adventure travel and more.

Flight insurance

flight insurance can help you recoup costs that aren't reimbursed by your airline, like cancellation due to a family member's death or a job loss. It only covers the flight, however, not accommodations or rental cars,

Group travel insurance

If you're a large family heading to a wedding or coworkers going on a business trip, group travel insurance can be a lot cheaper than buying multiple individual plans.

To qualify for a group policy with Squaremouth, you'll need to have 10 or more U.S. residents all going to the same destination within the same timeframe.

Medical travel insurance

Your health insurance may not cover medical care if you're abroad. A medical travel policy can pay for doctors' visits, hospital stays and even an emergency evacuation if you unexpectedly get sick or injured.

Consider these factors before buying a travel insurance policy through Squaremouth

• Many well-known providers. Squaremouth works with dozens of insurers, many of which are praised for reasonable rates and excellent customer service.
• Simple comparison tool. You can view three quotes in an easy-to-view grid, making it easy to compare price, coverage and customer ratings.
• Zero complaint guarantee. SquareMouth will mediate complaints with your insurer and, if the issue isn't resolved satisfactorily, will remove that provider from its platform.
• No markup. Squaremouth doesn't add fees to the prices of the providers on its platform.
• Slow to respond to complaints . While SquareMouth received a respectable A- from the Better Business Bureau , it cited the length of time it takes to respond to complaints as the reason for not giving it a perfect score.
• No 24/7 customer service. Representatives are available from 8 a.m. to 10 p.m. ET. That can be frustrating if you're traveling in another time zone and need help.
• Promotes its brand in searches. Tin Leg, a provider founded by SquareMouth in 2014, appears at the top of most search results. You can then filter by price, popularity or other categories.

SquareMouth 's zero-complaint guarantee means it advocates for customers if their travel insurance claim is rejected. If the issue isn't resolved satisfactorily, SquareMouth will remove that provider from its platform. The SquareMouth website isn't particularly flashy but it's very easy to navigate and you can get quotes just by providing basic information about yourself and your trip.

You do need to work with the travel insurance company that issued your policy to file a claim or resolve any issues, however. And SquareMouth customer service representatives are only available from 8 a.m. to 10 p.m. ET daily. If you're in a different time zone and need help, you'll have to wait.

In addition, the site received an A- from the Better Business Bureau . That's a very respectable grade but the length of time SquareMouth takes to respond to complaints was cited as the reason it did not receive an A+.

To buy a policy on SquareMouth , you'll want to first get a quote by inputting:

• The ages of all travelers
• Total trip cost
• Travel dates
• Countries being visited

You'll receive sample prices from dozens of companies, which you can filter by price, popularity, most recently purchased and other categories. When you're ready to enroll, you can hit the "buy now" button.

From there, you'll finalize the details about the people on the policy, your destination and dates and then purchase the policy. You'll receive a confirmation email after your purchase.

Shop for a personal loan

Is squaremouth travel insurance legit.

SquareMouth has been an online insurance marketplace since 2003 and it works with many top companies in the industry. It received an A- from the Better Business Bureau.

How much does travel insurance cost?

Travel insurance typically costs between 4% and 8% of your trip's total cost, according to the U.S. Travel Insurance Association . Prices can vary based on your age, destination and the length of your trip.

Does travel insurance get more expensive the closer you get to your departure date?

While it's best to get a policy as soon as possible, the cost won't increase as your departure date nears. You can typically buy a policy up until the day before your trip.

What does travel insurance not cover?

Most travel insurance doesn't cover foreseeable events, like known storms, epidemics or acts of war. Pre-existing conditions and dangerous activities may require special policies to be covered.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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How can I update my personal details that you hold on record for me?

Now you can update your personal information such as home or business address, email address or telephone number via the Lumi app . Simply log in and click on your profile icon located on the top right corner of the home screen, then proceed to change your details under Account Settings section.

It is important to keep your details updated to help us stay in touch with you when needed.

What is a “Digital Insurance Card”?

Digital Insurance Card is an electronic version of your insurance card, accessible via the Lumi app .

You can view and download it from the Lumi app, by visiting the “Coverage” section.

Can I access the Digital Insurance Card of my family member?

You can access the Digital Insurance Card of your family members by visiting the “Coverage” section in the app.

What is an “insurance certificate”?

An insurance certificate is a document that provides information about a specific insurance coverage, such as verification of the insurance, information on the type and the limitations of the coverage, details of your insurance company, your policy number, your insured member name and the insurance policy effective periods.

How can I issue an insurance certificate from the Lumi app?

The insurance certificate can be downloaded from the Lumi App. Simply click on “Coverage tab on the home screen, then visit the “Documents” section to download the needed certificate. If you are unable to download it from the app, please contact your insurance company.

Can I issue an insurance certificate for my family members?

For family members who are below the age of 18, you can issue an insurance certificate on their behalf, by default.

As for the members who are above the age of 18, they have to register and create their own account on the app.

What can I action on a family member’s account on the Lumi app?

You can action the following (applicable only for family members under the age of 18):

• Access his/her Digital Insurance Card

• View his/her medical claims history

• Submit reimbursement claims on his/her behalf

• View his/her policy benefits

• Issue insurance certificates on his/her behalf

Can I access all my policies from the same account on the Lumi app?

Yes. Open the side bar menu (by clicking on your profile icon from the top right of the app), then click on the button that if below your email address (in the side bar menu). Then you will be able to view the detected policies linked to your account. If you are not able to view all of your policies , please contact us by submitting an inquiry.

How can I add family members / newborn under my policy?

If you have an individual policy, please contact your insurance company and provide them with the required details. The coverage will be subsequently added after receiving instructions from your insurance company.

If you are covered under a group scheme plan, please contact your group administration or Human Resources with details and the coverage will be subsequently added after receiving instructions from your insurance company.

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Top 10 Digital Nomad Travel Insurance Plans (2024)

A re you a digital nomad looking for the best travel insurance at the best price? You’re in the right place. I’ve been a digital nomad for over a year. I know how important travel insurance is.

I also know that, while this isn’t something to skimp on, you also don’t want to overpay. It’s a tricky balance.

I’m a huge over-planner and I’ve thoroughly researched travel insurance. Every year when my policy expires, I re-check the options to make sure I’ve got the best plan.

Don’t have time to read all this and just want the bottom line? My number one favorite travel insurance is SafetyWing . They have comprehensive coverage and consistently high ratings.

I’ve had to use my travel insurance more than once. The last time was when my dad was very sick in the hospital and I had to fly to California, losing out on a lot of pre-paid, nonrefundable flights and accommodations.

I’d like to say that story had a happy ending. While it did have a good ending for my dad (he’s recovered and doing great!), I had the wrong type of plan and lost $3,000. My insurance was essentially worthless for what I needed.

I don’t want anyone to have that same experience. I’ve rounded up the 10 best plans so you can choose the one that’s right for you. Learn from my mistakes so you don’t throw your money away.

Pro tip: Bookmark this site for next year. I update it yearly so it always contains the most up-to-date info.

My Top 3 Picks: Digital Nomad Travel Insurance

#1 TOP PICK

No permanent residency required

Comprehensive coverage

Visitors Coverage 98% satisfaction rating

Wide range of coverage options

AIG Travel Guard Variety of plans

Annual plan options

What is Digital Nomad Travel Insurance?

Digital nomad travel insurance is tailored to meet the unique challenges and risks that come with the nomadic lifestyle.

Unlike regular travel insurance, these specialized plans often offer comprehensive medical coverage. This includes not just emergency care but also routine check-ups, dental services, and even mental health support.

But it’s not just about health. These plans also consider the flexibility digital nomads need. Many offer the option to extend your coverage if you decide to stay longer in a destination or even to buy coverage while you’re already abroad.

Some even cover adventurous activities, from scuba diving to mountain climbing, because let’s face it, a digital nomad’s life is never just 9 to 5.

So, while it might not be as thrilling as booking your next one-way ticket, securing the right travel insurance is a must for any digital nomad. It’s not just another item on your to-do list; it’s peace of mind, and that’s priceless.

What Should I Look For in Digital Nomad Insurance?

Okay, you know digital nomad insurance is a must-have. But with so many options out there, how do you pick the right one?

Here’s a breakdown of what you should be looking for in a digital nomad insurance plan:

Worldwide Coverage

You’re a global citizen, and your insurance should be too. Make sure the plan you choose offers worldwide coverage, so you’re protected no matter where your travels take you.

Pre-Existing Conditions

Got a chronic condition or a recurring medical issue? You’ll want a plan that covers pre-existing conditions, so you’re not left in a lurch when you need medical care.

Emergency Assistance

Look for a plan that offers 24/7 emergency assistance. Whether it’s a medical emergency or legal trouble, you want to know there’s a lifeline you can call anytime, anywhere.

Emergency Medical Insurance

Accidents happen, and when they do, you’ll want robust emergency medical coverage. This should include hospital stays, surgeries, and even medical evacuation if needed.

Emergency Evacuation

Speaking of evacuation, make sure your plan covers the cost of getting you to the nearest medical facility in case of an emergency. Trust me, you don’t want to foot that bill yourself.

Trip Cancellations and Delays

Flights get canceled. Plans change. Look for a policy that will reimburse you for any pre-paid, non-refundable travel expenses if you have to cancel or delay your trip for a covered reason.

Baggage Loss

Losing your luggage is a bummer. Choose a plan that offers coverage for lost, stolen, or damaged baggage to save yourself a headache later.

Equipment Protection

As a digital nomad, your laptop and other gadgets are your lifeline. Some plans offer specialized coverage for electronic equipment, so check if that’s an option.

Reasonable Prices

Budget is a big deal when you’re living the nomad life. Compare prices and make sure you’re getting the most bang for your buck. But remember, the cheapest option isn’t always the best.

Quick Insurance Claim Process

Last but not least, check out reviews to see how quickly and easily you can file a claim. The last thing you want during a crisis is a complicated, drawn-out claims process.

Top 10 Digital Nomad Travel Insurance Plans

Let’s jump into the best travel plans for digital nomads. One of these will surely meet all your needs. Many of them also include health insurance for nomads .

1. SafetyWing Nomad Insurance

Overview of safetywing.

SafetyWing is a remote working company that specializes in providing primary health insurance plans for digital nomads and long-term travelers.

If you’ve ditched your health insurance back home to live the nomad life, this is a company you’ll want to know about.

They’re not just a startup; they’re a subsidiary of Tokio Marine, a global insurance giant. So, you’re in safe hands. Their offerings go beyond just medical coverage, extending to non-medical evacuation, trip interruption, and even baggage claims.

SafetyWing aims to build a country-independent social safety net for freelancers and digital nomads. They’ve even expanded their product line to include a complete worldwide primary health insurance called Remote Health.

Safety Wing Pros & Cons

• No Permanent Residency Required : You can get SafetyWing insurance without being a permanent resident of any country.
• Affordable for Younger Travelers : If you’re under 39, the plans are particularly cost-effective.
• Comprehensive Coverage : Apart from medical benefits, you get coverage for trip interruption, lost luggage, and even the return of minor children and pets.
• Flexible Payment : You have the option to pay monthly, making it easier on your wallet.
• Home Country Coverage : Visiting your home country for up to 30 days? You’re still covered, except if you’re a U.S. citizen.
• Private Healthcare : You can choose private doctors and hospitals, giving you quality options.
• Family-Friendly : One child per adult and two children under 10 per family can also be included free of charge.
• Global Reach : Coverage in over 175 countries, so your wanderlust has almost no limits.
• High-Risk Destinations : Some plans even cover high-risk destinations and activities.
• Activity Limitations : Certain activities like mountain climbing, scuba diving, and ice hockey aren’t covered.
• Coverage Cap : The total coverage maxes out at $250,000.
• License Requirements : You need an international scooter license for coverage in case of scooter or motorbike accidents.
• Exclusions : Pre-existing conditions and mental health disorders are not covered.
• Claims Processing : The time it takes to process claims can be long, sometimes stretching into weeks or months.
• U.S. Limitations : While there is some U.S. coverage, it doesn’t meet the Affordable Care Act requirements.

2. Visitors Coverage

Overview of visitors coverage.

Visitors Coverage is a global travel insurance company with its fingers in many pies. Operating in 176 countries, this company is all about giving you options.

Whether you’re a short-term visitor to the U.S., an international traveler, or even a new immigrant, they’ve got a plan for you. They even offer specialized plans like Europe/Schengen Insurance and Immigrant/Green Card Insurance.

Their website is a breeze to navigate, and getting a quote is as simple as clicking a button and answering a few questions. Plus, they’re big on sustainability, partnering with One Tree Planted to contribute to global reforestation.

Visitors Coverage Pros & Cons

• User-Friendly Website : Navigating through their website is a walk in the park. They’ve got separate tabs for insurance plans, travel resources, and contact details.
• Wide Range of Products : From group insurance to trip cancellation and expat health coverage, they’ve got a smorgasbord of options.
• High Customer Satisfaction : With a 98% satisfaction rating and over a million satisfied customers, they’re doing something right.
• COVID-19 Coverage : Having COVID-19 coverage is always a big plus.
• Excellent Customer Service : If you’ve got questions, their customer service staff has the answers. They’re both helpful and knowledgeable.
• Unclear Claim Processing Time : The website doesn’t provide information on how long it takes to process claims, which could be a concern for some travelers.

If you’re looking for an insurance company that offers a wide range of products and has a solid reputation, Visitors Coverage could be a great fit.

I have personally used Visitors Coverage and found their plans to be great and affordable. I haven’t had to file a claim with them so I can’t speak to their processing, but I’d use them again.

3. AIG Travel Guard

Overview of aig travel guard.

AIG Travel Guard is a global insurance company catering to a diverse clientele, including digital nomads and remote workers.

They offer a range of plans, such as the Pack N’ Go plan for last-minute travelers and an annual travel plan for frequent flyers. They also have three comprehensive packages: Deluxe, Preferred, and Essential.

These plans cover everything from trip interruption and baggage protection to emergency evacuation and repatriation of remains.

AIG Travel Guard Pros & Cons

• Variety of Plans : Whether you’re a digital nomad, a business traveler, or someone who loves spontaneous trips, Travel Guard has a plan tailored for you.
• User-Friendly Website : Navigating through their offerings is a breeze, thanks to their well-designed website.
• Easy Subscription : Getting yourself insured is straightforward and hassle-free.
• COVID-19 Coverage : They’ve adapted to the times by including COVID-19 coverage in their plans.
• Annual Plan Option : For those who travel multiple times a year, the annual plan offers essential coverage for each trip, capped at 90 days per trip.
• Limited Global Availability : Despite being a global insurance company, not all their plans are available worldwide.
• 90-Day Cap on Annual Plan : The annual plan is not ideal for long-term travelers as each trip is limited to 90 days.
• Exclusions : The plans come with a list of exclusions, including acts of war and being under the influence of drugs or alcohol.

Travel Guard clearly focuses on providing a variety of plans to suit different travel needs. They also emphasize customer service and have received high ratings from their user base.

So, if you’re a digital nomad or someone who travels frequently for work or leisure, Travel Guard is worth considering. Just make sure to read the fine print and understand the limitations of each plan.

4. Travelex Insurance Services

Overview of travelex.

Travelex Insurance is a travel insurance provider that caters to a wide range of travelers, including digital nomads and remote workers . They offer various plans to suit different travel needs.

The Basic plan covers essential travel protections, while the Travel Select plan is more comprehensive and customizable. They even have a Flight Insurance plan for those who are primarily concerned with flight-related issues.

Travelex Pros & Cons

• COVID-19 Coverage : Travelex offers coverage for COVID-19-related trip cancellations, interruptions, and emergency medical situations.
• Comprehensive Coverage : From trip cancellations and interruptions to emergency medical and evacuation, Travelex has got you covered.
• 24/7 Assistance : Their travel concierge service is available around the clock to assist you with anything from finding hidden gems to dealing with legal issues.
• High Claim Approval : With a 98% claim approval rate, filing an insurance claim with Travelex is not only easy but also quicker than the industry average.
• Long-Term Coverage : The Travel Select plan covers trips up to 364 days and even offers coverage for pre-existing conditions in certain cases.
• Limited COVID-19 Coverage : While they do offer COVID-19 coverage, it may not be as extensive as some travelers would like.
• Additional Costs : Basic services come with an extra charge unless included in your chosen plan.
• High Cost for Comprehensive Plans : The Travel Select plan, while comprehensive, can be pricey due to its extensive coverage and add-ons.

It’s clear Travelex focuses on providing comprehensive insurance options for all types of travelers. They offer a variety of plans and add-ons, making it a flexible choice for those looking for specific types of coverage.

However, the cost can add up quickly if you opt for their more comprehensive plans with additional features. So, if you’re a digital nomad or frequent traveler, Travelex is worth considering, but make sure to weigh the costs and benefits carefully.

5. IMG Global

Overview of img global.

IMG Global is a one-stop shop for all your travel insurance needs, especially if you’re a digital nomad.

IMG Global offers a range of travel insurance packages designed to meet the diverse needs of digital nomads, expats, and adventurous travelers.

Their packages include Global Medical Insurance, which is a medical-only plan, and iTravelInsured Travel Insurance, tailored for those who are active and adventurous.

They also offer specialized plans like the Global Employer Option and International Marine Medical Insurance.

IMG Global Pros & Cons

• Affordable Renewals : Extending your policy with IMG is generally cheaper compared to other insurers.
• Adventure-Friendly : If you’re into extreme sports or adventurous activities, IMG has you covered, even providing a $10,000 search and rescue team if you get lost.
• High Medical Coverage : With up to $500,000 in emergency medical coverage and $1 million for medical evacuation, you’re in good hands.
• No Extra Fee for Cancellation : Their plans include “cancel for any reason” or “interruption for any reason” coverage without additional costs.
• Excellent Customer Service : Customer service is a strong suit for IMG, making your experience smoother.
• Waiting Period : There’s a waiting time before you can submit a claim for lost baggage or trip cancellation, which can be inconvenient.
• Not Primary Coverage : Their health coverage is secondary, requiring you to have primary coverage in your home country .
• Limited Home Country Return : U.S. citizens can’t return home while the policy is active, and other nationals are restricted to a 14-day visit.
• Out-of-Pocket Medical Expenses : They generally don’t directly bill medical providers, so you’ll have to pay upfront and wait for reimbursement.
• Coverage Based on Trip Cost : The extent of your coverage is determined by your planned trip expenditure.

IMG Global offers a variety of plans that can be tailored to your specific needs, but it’s essential to read the fine print and understand the limitations.

Whether you’re a thrill-seeker or a cautious traveler, IMG has something for everyone, but make sure to weigh the pros and cons carefully.

6. Allianz Global Assistance

Overview of allianz.

Allianz Travel Insurance is a well-established player in the travel insurance game. With a variety of plans tailored to different types of travelers, they’ve got something for everyone.

Whether you’re a digital nomad or a frequent business traveler, Allianz offers packages that can be a good fit for your needs.

However, it’s essential to note that their plans are more suited for those who take multiple short trips rather than extended overseas stays.

Allianz Pros & Cons

• Emergency Evacuation Coverage : The Allianz Travel Easy – Oversea Annual plan offers up to $1 million in emergency evacuation, giving you peace of mind when you’re far from home.
• Baggage and Travel Delay : With up to $5,000 for baggage loss or damage and $2,000 for travel delays, you’re well covered for those unexpected hiccups.
• Pre-Existing Medical Condition Coverage : Unlike some other providers, Allianz offers coverage for pre-existing medical conditions, which can be a lifesaver for many travelers.
• Multi-Trip Policy : If you’re someone who takes multiple trips a year, Allianz’s annual or multi-trip plans can be more cost-effective than buying separate policies for each journey.
• Limited Flexibility : Allianz’s packages are fixed, meaning you can’t customize them to fit your unique needs.
• Pricey Plans : While they offer a range of services, their plans are on the higher end of the price spectrum. This is especially true for older travelers .
• Pre-Trip Purchase Required : You have to buy the insurance before you embark on your trip, which might not be convenient for everyone.
• No COVID-19 Coverage : In the current global situation, the lack of medical emergency coverage related to COVID-19 can be a significant drawback.

Allianz offers robust coverage options but comes with its own set of limitations. Make sure to weigh these pros and cons carefully to decide if Allianz is the right travel insurance provider for you.

7. World Nomads Travel Insurance

Overview of world nomads insurance.

World Nomads is a travel insurance provider that’s been in the game since 2002, specializing in coverage for the adventurous and the daring.

With over two decades of experience, they offer policies tailored to individuals who aren’t just tourists but explorers at heart.

Whether you’re a U.S. citizen or hail from another corner of the globe, World Nomads has got you covered.

World Nomads Pros & Cons

• 24/7 Emergency Support : If you find yourself in a pinch, their multi-lingual team is available around the clock to connect you with the medical services and transportation you need.
• Adventure Activity Coverage : World Nomads doesn’t shy away from the extreme. They offer coverage for over 200 adventure activities, making them a go-to choice for thrill-seekers.
• Flexibility On-The-Go : Plans change, and World Nomads gets that. You can purchase additional coverage or even make a claim online during your trip.
• Community Contributions : When you buy a policy, you also have the option to donate to community development projects. It’s a small way to make a big impact in needy destinations.
• Travel Safety Guidance : They don’t just insure you; they inform you. World Nomads offers up-to-date travel safety tips and destination guides to help you navigate your adventures.
• Country-Specific Policies : The coverage can vary depending on your country of residence, so you’ll need to be extra careful when reviewing your policy.
• No Mention of COVID-19 Coverage : In today’s travel landscape, not having specific COVID-19 coverage could be a deal-breaker for some.
• Adventure Activity Limitations : While they do cover a wide range of activities, make sure your particular brand of adventure is on their list.

World Nomads offers a robust set of features for the modern, adventurous traveler. However, it’s crucial to read the fine print and ensure that their coverage aligns with your specific needs and travel plans.

8. Insured Nomads  

Overview of insured nomads.

Insured Nomads is a travel insurance company that’s by nomads, for nomads. With founders who have lived on five continents, this company gets the unique needs of digital nomads, remote workers, and expats.

They offer a range of plans, including both travel insurance and comprehensive health insurance for those living abroad for extended periods. Whether you’re on a short-term trip or planning to live overseas, Insured Nomads has got you covered.

Insured Nomads Pros & Cons

• Global Network : With access to over a million healthcare providers and 8,000 clinics and hospitals worldwide, you’re never far from quality care.
• Telemedicine Services : Need a quick consult? Their telemedicine services have you covered, offering a modern approach to healthcare.
• Instant Reimbursement : Cash flow is king, especially when you’re abroad. Insured Nomads offers instant reimbursement, so you’re not left hanging.
• 24/7 Crisis Response : Real-time alerts and emergency assistance are available around the clock, making sure you’re always in the know and in good hands.
• Adventure Sport Option : For the adrenaline junkies, there’s an add-on for adventure sports coverage.
• Comprehensive Coverage : Their “Preferred Plus” option offers coverage up to a whopping USD 5,672,125.00.
• COVID-19 Coverage : Having COVID-19 coverage is a big plus.
• Pre-Existing Conditions : If you have any, you might face some coverage restrictions, so read the fine print carefully.
• Minimum Length : The minimum insurance length is one year, which might not suit everyone’s travel plans.
• Price Tag : While they offer comprehensive coverage, their plans are on the pricier side compared to some competitors.
• Extreme Sports Limitation : If you’re into extreme sports, you might find the coverage lacking unless you opt for the adventure sports add-on.

Insured Nomads offers a robust set of features tailored for the modern traveler but comes with a few caveats. Make sure to weigh these pros and cons to see if they’re the right fit for your globetrotting lifestyle

9. AARDY Travel Insurance

Overview of aardy travel insurance.

AARDY Travel Insurance is not your typical insurance provider; it’s a comparison platform that brings multiple insurance options to your fingertips.

It’s designed to save you time, money, and the headache of sifting through countless options. With a 5-star rating on Trustpilot and a host of reputable insurance partners, AARDY aims to make your travel insurance shopping easier.

Pros and Cons of AARDY

• User-Friendly Interface : The platform is designed to be intuitive, making it easy for even first-time users to navigate.
• Wide Range of Options : Whether you need travel medical insurance, trip cancellation coverage, or health insurance, AARDY has got you covered.
• Quality Partners : AARDY collaborates with well-known insurance companies, ensuring that you get reliable and comprehensive plans.
• Tailored Plans : The platform curates plans based on your specific needs, so you’re not paying for coverage you don’t need.
• Time-Saver : No need to scour the internet for options. AARDY brings them all to one place, saving you valuable time.
• Educational Resources : The platform offers informative articles and resources to help you make an informed decision.
• Multiple Contact Options : Unlike some platforms that offer only email support, AARDY provides a direct contact number and live chat, making customer service more accessible.
• Limited Company Choices : While AARDY does offer over 30 plans, these come from a select group of 5 or 6 leading insurance companies, which may limit your options.
• Customer Service Delays : The platform does offer a contact number, but some users have reported delays in getting through to a representative.
• Browser Compatibility Issues : Some users have noted that the website doesn’t function optimally on all internet browsers, particularly Google Chrome.

In summary, AARDY Travel Insurance offers a convenient and efficient way to compare and purchase travel insurance plans. However, be mindful of the limited range of insurance companies and potential customer service delays.

10. Integra Global

Overview of integra global.

Integra Global is a go-to for digital nomads seeking long-term, comprehensive international health insurance.

Unlike typical travel insurance that covers lost luggage or trip cancellations, Integra Global focuses solely on medical coverage. And we’re not just talking about emergency care; they also cover routine health exams, dental services, mental health, and even chronic conditions.

If you’re a digital nomad looking for something more than just emergency medical coverage, Integra Global might be your match.

Integra Global Pros & Cons

• COVID-19 Coverage : They offer coverage for COVID-19, although conditions do apply. So, make sure to read the fine print.
• Flexible Deductibles : Once you’ve paid your yearly deductible, you’re covered 100%. You can choose your deductible, ranging from around $1,000 to as high as $5,000, to fit your budget.
• Freedom to Choose Providers : Integra Global doesn’t tie you down to specific hospitals or doctors. You can get treated by any licensed medical provider.
• Pre-existing Conditions : For an additional cost, you can get coverage for pre-existing conditions. That’s a rarity in the insurance world.
• Comprehensive Medical Coverage : They offer a much higher amount of medical expenses per year compared to standard travel insurance plans.
• No Travel Benefits : If you’re looking for lost luggage or trip cancellation coverage, you’ll need to purchase separate travel insurance.
• Long-Term Commitment : Policies are available only for a year or more, so it’s not ideal for short-term travelers.
• No Direct Billing : You’ll have to pay medical providers upfront and wait for a reimbursement, which can take up to 10 days.
• Cost Considerations : While the coverage is comprehensive, remember that the pricing is for medical insurance only. It’s more like a health plan you’d have at home, including wellness visits and routine check-ups.

So, if you’re a digital nomad planning to be on the road for an extended period and want comprehensive healthcare coverage, Integra Global is worth considering.

Frequently Asked Questions: Digital Nomad Travel Insurance

Do digital nomads need travel insurance.

Yes, it’s highly recommended for digital nomads to have travel insurance. The lifestyle of a digital nomad involves various risks, from health emergencies to trip cancellations and equipment loss. Having specialized insurance ensures you’re covered for these unexpected events.

Do digital nomads need health insurance?

Yes, digital nomads should have health insurance for comprehensive medical coverage while abroad. Regular travel insurance often lacks extensive health benefits, so specialized digital nomad health insurance is advisable for long-term stays .

What Does Digital Nomad Travel Insurance Cover?

Digital Nomad Travel Insurance typically covers emergency medical expenses, trip cancellations, and baggage loss. Some plans also offer coverage for pre-existing conditions, emergency evacuation, and equipment protection.

Will airlines compensate me for lost or delayed luggage?

Airlines may offer compensation for lost or delayed luggage, but the amount and conditions vary by carrier and are often limited.

Is travel insurance worth it for international travel ?

Travel insurance is crucial for international travel. It covers unexpected medical emergencies, trip cancellations, and baggage loss, saving you from hefty out-of-pocket expenses.

What does worldwide coverage mean?

Worldwide coverage means that your insurance policy will cover you no matter where you are in the world .

Does travel insurance cover pre-existing conditions?

This varies by policy. Some digital nomad travel insurance plans do cover pre-existing conditions, but there may be limitations or waiting periods. Always read the fine print and ask questions before purchasing.

What is emergency assistance?

Emergency assistance is a service provided by the insurance company that offers 24/7 support for emergencies. This could be anything from medical emergencies to legal troubles.

How does emergency medical insurance differ from regular health insurance?

Emergency medical insurance specifically covers unforeseen medical emergencies during your travels, such as accidents or sudden illnesses. Regular health insurance may not cover you outside your home country or for travel-related incidents.

What is emergency medical evacuation coverage?

This covers the cost of transporting you to the nearest medical facility in case of a medical emergency.

Final Thoughts: Digital Nomad Travel Insurance

Now that we’ve taken a deep dive into the world of digital nomad travel insurance it’s clear there are a lot of options out there.

After trying a few different travel insurance providers, my top pick is SafetyWing Insurance. They’ve consistently received high ratings and offer a variety of plans that cater to the unique needs of digital nomads like us.

From personal experience, I can tell you that having the right travel insurance is a game-changer. But here’s the kicker—you’ve got to read the fine print. I learned this the hard way.

When I first dipped my toes into the digital nomad lifestyle, I bought an annual policy thinking I was all set. What I didn’t realize was that it only covered trips up to 30 days. So, when I had to file a claim because my dad got sick, it was denied.

Why? Because I was away from home for four months. My one “trip” exceeded the 30-day limit, making my policy pretty much useless for my digital nomad lifestyle.

Yep, this was all in the policy information. It was entirely my own fault.

So, take it from someone who’s been there—make sure you know exactly what you’re getting into before you hit that “purchase” button. Trust me, it’ll save you a lot of headaches down the road.

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The post Top 10 Digital Nomad Travel Insurance Plans (2024) appeared first on Digital Nomad and a Dog .