We compared 12 plans so you don't have to. One medical emergency abroad without insurance can cost $50,000+.
Prices shown for ages 18-39. Rates vary by age and destination.
| Provider | Est. Monthly Cost | Medical Coverage | Adventure Sports | Gear/Electronics | COVID-19 | Cancel Anytime | Our Rating |
|---|---|---|---|---|---|---|---|
| SafetyWing | ~$56 | $250,000 | Basic | ✗ | ✓ | ✓ | 9.2/10 |
| World Nomads Explorer | ~$100–150 | $100,000 | ✓ 150+ activities | ✓ | ✓ | ✗ | 8.8/10 |
| Cigna Global Health | $200–500+ | Unlimited | Add-on | ✗ | ✓ | ✗ Annual plan | 8.5/10 |
| Insured Nomads | ~$70–120 | $1,000,000 | ✓ | Limited | ✓ | ✓ | 8.3/10 |
| Genki Explorer | ~$40–75 | €250,000 | Basic | ✗ | ✓ | ✓ | 8.0/10 |
SafetyWing launched in 2017 specifically for digital nomads and has become the most widely used nomad insurance globally. The monthly subscription model is its biggest selling point — you can buy it while already traveling, extend it indefinitely, and pause it when you're back home.
SafetyWing is the default choice for most digital nomads, and for good reason. The value is unmatched at this price point. If you need adventure sports coverage or laptop protection, pair it with a travel add-on or a separate gadget policy.
World Nomads is the gold standard for adventure travelers. Their Explorer plan covers 150+ activities including scuba diving, skiing, rock climbing, and more. The claims process is straightforward and their customer service is reliable.
If your trips include adventure sports or you want gear coverage, World Nomads Explorer is worth the extra cost. For pure medical coverage at the lowest price, SafetyWing wins. For short trips with adventure activities, World Nomads is the clear choice.