Top Digital Nomad Insurance Providers Updated for 2025

If you’re living the digital nomad life, proper insurance isn’t a luxury—it’s something you really don’t want to travel without. Whether it’s an emergency hospital visit in Vietnam, stolen tech in Mexico, or a canceled flight leaving you stranded, unexpected situations abroad can cost you big time. And let’s be real—most standard travel insurance plans just aren’t built for the way nomads live.

That’s why we’ve rounded up five standout insurance providers that actually get it. These aren’t generic plans—they’re designed with full-time, on-the-move travelers in mind. Whether you’re bootstrapping or balling, here’s what you need to know.

Below, we break down the five leading insurance providers for digital nomads.

Genki
Safety Wing
Insured Nomads
Faye
Rise & Shield

1. Genki

Straightforward Health Coverage for Full-Time Travelers

What it is:
Genki keeps things simple and to the point. They offer a clean, no-frills plan that gives long-term travelers access to solid health coverage without the bells and whistles most nomads don’t need.

Pricing breakdown:

Genki Explorer: From €39/month (if you’re in your 20s; it scales with age)

Genki Resident: More like €99/month to start, depending on your age and whether you want long-term care

What’s included:

Emergency and outpatient care

Mental health support

Coverage for pregnancy (after 8 months on the plan)

Optional U.S. and Canada coverage

Cancel policy:

Cancel any time through your account

Refunds might be available if you haven’t used the policy

What’s good:

Super affordable if you’re young

Mental health support is built in

Clear pricing, minimal confusion

What’s not:

No extras like electronics or trip coverage

Adventure sports are limited

U.S. coverage isn’t included unless you pay more

Worth noting:
If you’re doing short-term stints or want travel extras, this isn’t the best fit. But for health-focused, long-haul travel—it’s hard to beat.

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2. SafetyWing

Subscription Insurance Built by Nomads

What it is:
SafetyWing is basically the Netflix of travel insurance. Monthly payments, start or stop anytime, and global coverage—it was literally created by digital nomads, for digital nomads.

Pricing breakdown:

Starts at $45.08/month (ages 10–39, excluding the U.S.)

If you want coverage in the U.S., it goes up to about $83.44/month

Remote Health plans start at around $123/month

What’s included:

Emergency medical and evacuation

Lost luggage, travel delays

COVID-19 and quarantine

Optional add-ons for electronics, adventure sports

Cancel policy:

Cancel anytime before your next billing cycle

No refunds for the current month

What’s good:

Flexible and easy to manage

Works even if you’re already abroad

Covers you at home and while traveling

What’s not:

Not great for serious pre-existing conditions

Add-ons can bump up the price

Dental and vision coverage is very limited

Worth noting:
SafetyWing’s basic plan is great if you want flexibility and aren’t expecting frequent medical care. If you want something more complete, you’ll need the upgraded version or Remote Health.

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3. Insured Nomads

Insurance + Tech-Perks for the Modern Traveler

What it is:
Insured Nomads is like the premium version of nomad insurance. They cover the basics but also throw in perks like mental health apps, VPNs, and even airport lounge access.

Pricing breakdown:

Travel coverage (“World Explorer”) starts at about $90/month

Their full-blown health insurance (“Global Health”) begins at around $250/month

What’s included:

Emergency and routine care

Therapy, counseling, and mental health support

Emergency evacuation

Coverage for pets and adventure sports (if added)

Concierge services and virtual care

Cancel policy:

Cancel before the policy renews

Partial refunds may be issued, depending on the timing

What’s good:

One of the few plans with solid mental health support

Great for couples, families, and expats

Packed with tech-driven extras

What’s not:

Costs more than most other options

Can feel a bit complex with all the add-ons

Overkill if you just need basic protection

Worth noting:
It’s not the cheapest, but for travelers who want full protection and comfort, it’s one of the best-rounded choices out there.

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4. Faye

Smart, App-Based Travel Insurance (U.S. Residents Only)

What it is:
Faye is a U.S.-only insurer with a mobile-first approach. Think of it like the Venmo of insurance: quick claims, real-time payouts, and modern coverage.

Pricing breakdown:

Starts at $5/day

One month of coverage usually runs between $140–$200, depending on where you’re going and what extras you choose

What’s included:

Emergency care (up to $250,000)

Coverage for trip cancellations and interruptions

Lost or stolen gear

Add-ons like CFAR, pet coverage, and car rentals

Instant payouts to your digital wallet

Cancel policy:

Cancel before your trip for a full refund

If you cut your trip short, you may get a partial refund

What’s good:

Super fast claim processing

Customizable and easy to understand

Ideal for short trips or one-off getaways

What’s not:

Only for U.S. citizens or residents

Not a great match for long-term, full-time nomads

Not a replacement for full health insurance

Worth noting:
Faye is ideal if you’re based in the U.S. and just need sharp, no-nonsense protection for your trips.

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5. Rise & Shield

Coverage That Loves Adventure as Much as You Do

What it is:
Rise & Shield was made for travelers who like to push their limits. Whether you’re scuba diving, snowboarding, or trekking somewhere remote, this plan has your back.

Pricing breakdown:

Varies based on destination, activities, and trip length

Multi-trip annual plans available for regular adventurers

What’s included:

Medical emergencies and hospital visits

Search-and-rescue, including helicopter evacuation

Over 150 adventure activities covered

Trip interruption, cancellation, and delays

24/7 emergency hotline

Cancel policy:

Cancel within 14 days of purchase for a full refund (as long as you haven’t started the trip)

After that, it’s case-by-case

What’s good:

Covers activities other insurers won’t touch

Available to residents of most countries

Great option for remote locations or extreme sports

What’s not:

Not as widely known or reviewed as others

Doesn’t focus on tech, mental health, or everyday medical needs

Worth noting:
Rise & Shield is a go-to if your travel plans involve mountains, oceans, or anything that requires a waiver.

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Comparison Table: What You Need to Know at a Glance

Provider	Best For	Starting Price	Medical Care	Travel Perks	Adventure Sports	Tech/Gadget Cover	Mental Health	U.S. Only	Cancel Anytime
Genki	Long-term travelers on a budget	€39/month	✅	❌	✅	❌	✅	❌	✅
SafetyWing	Flexibility + affordability	$45.08/month	✅	✅	➕ Add-on	➕ Add-on	✅ (Complete)	❌	✅
Insured Nomads	Premium global coverage + perks	$90+/month	✅	✅	➕ Add-on	➕ Add-on	✅	❌	✅
Faye	U.S. travelers who love tech	$5/day	✅ ($250k cap)	✅	➕ Add-on	✅	✅ (basic)	✅	✅
Rise & Shield	Adventure seekers & explorers	Varies	✅	✅	✅ (150+ activities)	❌	❌	❌	✅ (14 days)

Final Thoughts

No two nomads are alike—and neither are these insurance plans. Your best choice depends on where you’re from, where you’re headed, and how you travel.