Usually in a health plan
- Hospital care in the area of cover you bought
- Outpatient visits and prescriptions on fuller plans
- Evacuation and repatriation, when the wording includes them
- A visa certificate that names the country, limit and dates
Nomad insurance, matched to how you live abroad
Nomadsurance matches you to nomad insurance that fits your route, stay length and visa, across a curated panel of insurers. It is free for you: insurers pay us a commission, and you do not pay more than going direct.
Free for youIndependent brokerReal humans on email
Partners we work with. The insurers we place international cover with, for digital nomads
How Nomadsurance matches your nomad insurance
1
Fill out
Fill out our smart form. It only asks what's relevant for your situation.
2
We find your match
We compare the panel against your answers and send you what fits, with the trade-offs written out.
3
Become a member
If the offer suits you, you can take out the insurance directly.
Where we are actually useful
Six things we do that a price-sorted comparison table does not.
We map the country, not just the policy
73 country guides with local treatment costs, how the public system treats foreigners, and what each visa demands.
We only insure people who live abroad
No other target group, so the questions we ask are the ones that change your answer.
Cover that outlasts your visa
A travel policy caps out around 90 days and expires inside a one-year permit. We place plans that run the full term.
Support you can actually reach
Real people on email, across time zones, and still there when a claim stalls.
We publish the exclusions
Routine care, chronic conditions, treatment back home. Every plan type has gaps and we name them before you buy.
A visa can reject the plan you bought
We read the insurance small print on every nomad visa we track: minimum cover, repatriation, and whether it has to be a local insurer.
What insurance do digital nomads need?
Digital nomads who live abroad need international health insurance, not a travel policy with the dates stretched. Travel cover caps a stay, skips routine care and often fails a visa letter. The table is the extractable split.
Travel insurance versus nomad-style cover versus international health insurance
Duration
- Travel
- Trip that ends; often 30–90 days per stay
- Nomad-style
- Continuous, renews while you are away
- International health
- Annual, portable across countries
Routine care
- Travel
- No
- Nomad-style
- Rarely
- International health
- Yes, if outpatient is in the plan
Pre-existing
- Travel
- Usually excluded
- Nomad-style
- Usually excluded
- International health
- Underwritten
Home country
- Travel
- Stops when you land
- Nomad-style
- Usually excluded
- International health
- Optional region
Visa-ready
- Travel
- Often rejected
- Nomad-style
- Sometimes
- International health
- Usually, unless a local insurer is required
Evacuation
- Travel
- If listed
- Nomad-style
- Usually
- International health
- Should be included
| Attribute | Travel | Nomad-style | International health |
|---|---|---|---|
| Duration | Trip that ends; often 30–90 days per stay | Continuous, renews while you are away | Annual, portable across countries |
| Routine care | No | Rarely | Yes, if outpatient is in the plan |
| Pre-existing | Usually excluded | Usually excluded | Underwritten |
| Home country | Stops when you land | Usually excluded | Optional region |
| Visa-ready | Often rejected | Sometimes | Usually, unless a local insurer is required |
| Evacuation | If listed | Usually | Should be included |
What does travel insurance not cover?
Travel insurance does not cover routine GP care, chronic conditions, most visa certificates, or treatment once you are home. Those gaps are why a nomad year is a health-insurance problem.
Usually left out of travel cover
- Routine care on travel and most nomad-style plans
- Pre-existing conditions until underwriting says otherwise
- Scooters without the licence the policy names
- Visa floors ($50,000 on Costa Rica and Thailand LTR) as if they were a medical budget
Does US health insurance work abroad?
Home-country cover usually stops at the border. The rule is different in each place.
- United States
- Group, ACA and COBRA plans are domestic networks. Routine care abroad is generally not covered. American digital nomads.
- United Kingdom
- Cover is residence-based. GHIC is not private care, and it is not Bali. British digital nomads.
- Australia
- Medicare pays nothing overseas except limited public-hospital cost-sharing in 11 agreement countries. Australian digital nomads.
A visa can reject the certificate
- Costa Rica and Thailand's Long-Term Resident route set a $50,000 medical floor.
- Colombia wants an all-risk policy including repatriation, and names no dollar figure.
- Spain wants comprehensive private cover with no co-payment, from an insurer authorised to operate in Spain.
- Thailand's Destination Thailand Visa has no national insurance mandate.
Which digital nomad visas require insurance
- Best health insurance for digital nomads
- Travel vs nomad vs health insurance
- How much nomad insurance costs
If you still go home between trips, buy travel cover and read the day cap. If you live abroad, you need health insurance that survives a visa year, a GP visit and the exclusions. We match on destination, duration and medical history, not on the cheapest row.
Nomadsurance is an independent matching platform, not an insurer. Cost ranges and evacuation figures on this site are explained in how we measure cost. Visa rows are taken from the consular rule named on each visa page, not from secondary roundups.
Insurance guides for popular destinations
Country-specific guides: healthcare quality, medical costs, visa requirements, and which insurance fits.
Who is Nomadsurance?
- Nomadsurance helps digital nomads and expats find international health insurance that fits how they actually live and work abroad.
- Use our free tool to get the right insurance straight to your inbox.
- Nomadsurance is an independent matching platform, not an insurer.
With Nomadsurance
Going direct to one insurer
We are digital nomads ourselvesWe travel, live and work in different places, like you.
Theoretical knowledgeOften no practical sense of what a nomad actually needs.
Specialised in digital nomadsWe only insure digital nomads. No other target groups.
One product for everyoneGeneralist providers without specialised nomad knowledge.
Complete transparencyWe are open with you and don't sugarcoat things.
Fine print decidesWhat's not covered often only shows up in the conditions.
Focused on your freedomMobility, flexibility and independence are the core of how we advise you.
One-size-fits-allStandard contracts for standard lives. If you're different, it gets complicated.
How we make money
No fine-print games. That includes our own business model. Here's exactly how it works.
1
Our service is free for you. Comparing, advice, and support don't cost you anything.
2
Insurers pay us a commission when you take out a policy through us.
3
You pay the standard premium, never more. The price is the same as going direct. And because we work with several insurers, we have no reason to push you toward one of them.
Frequently asked questions
We answer the most frequently asked questions transparently.
What is nomad insurance?
Cover for people who live and work across countries rather than taking one trip. We match you to a plan that fits your route, stay length and visa, across a curated panel of insurers, free for you.
Is travel insurance enough for a digital nomad?
Only if your trips still end and each stay fits the per-trip cap, often 30 to 90 days. Once you need a GP, a repeat prescription, or a visa letter, travel cover is the wrong shelf.
How much does nomad insurance cost?
A healthy person in their twenties or thirties commonly pays around $40 to $60 a month for a travel-medical nomad plan that excludes the US. Full international health insurance runs into the thousands a year. US inclusion is the largest price lever.
Will a travel policy satisfy a digital nomad visa?
Often not. Consulates want cover that reads like health insurance, with named dates, and sometimes a local or authorised insurer. Spain, Turkey, Czechia and Germany are strict about who issues the policy.
Do you work with specific insurance providers?
A curated panel, not the whole market, none exclusive. The live list is shown at the matching step. Commission is flat across the panel.
Does using Nomadsurance cost me anything?
No. Insurers pay us a commission if you take a policy. You do not pay more than going direct.
Have a look if this page was not the question you came with.
Ready to get started?
Take 3 minutes to find your match. Free for you. Built for the way you live.
Find my insurance matchAfter completing the form, you will receive a personalised offer by email.In 3 steps
- 01
Fill out
The form only asks what changes the plan.
- 02
We find your match
We compare the panel against your route, stay and visa.
- 03
Become a member
If the offer fits, you take it out directly.
Have a look if this page was not the question you came with.