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Travel Insurance for Digital Nomads and Long-Term Travelers

A long-term traveler is a specific term for someone traveling without a home or job. A digital nomad is a person working while traveling away from his home country. Both are away from their native country. A digital nomad is working while living somewhere and may move without significant difficulty. A long-term traveler is someone who is traveling for over 2 to 3 months. Many people define long-term travelers as people traveling for six months or more.

There are many things to consider and plan for about your travel or plan to live abroad for a long time. Living arrangements, transport, and where you plan to go are among the few logistics you need to plan for.

All these considerations are multiplied for Digital Nomads and long-term travelers. While these people can buy multiple forms of insurance, the one they need most is an all-inclusive travel health insurance policy.

Ideally, Digital Nomads and long-term travelers need an international health insurance policy that applies to expat workers, international students, and travelers traveling for extended time. People under coverage can be treated under insurance coverage in their specified travel region.

This is a necessary step to take post Covid, as we all realize how fragile life can be, and wherever we are in the world, we need to be prepared for medical emergencies. Getting health and travel insurance is a great way to be prepared for medical and travel related emergencies.

Multiple health and travel insurance variants are available, so you must pick one that suits your needs and pockets carefully.

Travel Health Insurance

A travel health insurance plan is needed because it supports your existing plan. If you are insured for long-term health care in your country of origin or where you have a legal and long-term right to live. This travel health insurance plan should cover your medical expenses. It should cover expenses incurred due to accidents and any serious illness abroad.

Having such an insurance plan is particularly important for people planning to travel to countries like the US, Canada, Japan, or Australia, where government-run healthcare programs exist. If you fall ill or have an accident, you will face medical bills of tens of thousands of dollars if you don’t have insurance.

In such scenarios, having emergency medical travel insurance will help handle the costs of any urgent or life-threatening treatments in a foreign destination. However, you need to remember that travel health insurance policies should not be substituted for regular health insurance policies.

Travel insurance plans technically base their services on you being insured for treatment in your home country or place of long-term residence. They usually provide cover for emergency transportation. This means that you need to have a regular health insurance policy at your home destination.

Things to Note When Selecting Your Policy

Every travel plan is different, so you should read carefully what each policy covers and does not cover. The plan’s pricing will also depend on your age, home country, and destination (s) you are traveling to.


As a digital nomad or long-term traveler, you need to find the best insurance for your needs and area of travel. Every policy is different, as it considers its unique risk factors, your age and other demographics, medical history, travel areas, and other considerations. All these factors will determine your policy, coverage, and insurance premiums.

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