Best Health Insurance Plans for Freelancers in the USA (2025 Edition)

Travel Insurance for Digital Nomads: What’s Covered in 2025?

Remote work has gone global — and so has travel insurance. For digital nomads hopping from country to country, having the right insurance isn’t just a backup — it’s a necessity. Here’s what travel insurance looks like in 2025, and how to choose a plan that fits your nomadic lifestyle. 

🌍 What’s Typically Covered

• Emergency Medical Care: Hospital visits, outpatient care, urgent treatment abroad
• Evacuation & Repatriation: If you need to be flown home or to a better medical facility
• Trip Interruption: Refunds for canceled flights, illness-related delays, or emergencies
• Baggage Protection: Lost, stolen, or delayed luggage is often covered
• COVID-19 Coverage: Many plans now include pandemic-related expenses

💼 What’s NOT Always Covered

• Routine checkups or preventive care
• Pre-existing conditions (varies by provider)
• Extreme sports or high-risk activities unless added
• Coverage inside your home country (unless global plan includes it)

🧳 Best Nomad-Friendly Providers (2025)

• SafetyWing: Affordable, global monthly coverage designed for remote workers
• World Nomads: Great for adventurous travelers and short-term trips
• Genki: Health-focused, long-term international insurance for nomads
• Insured Nomads: Premium plans with mental health, security, and travel extras

💡 Tips for Choosing a Plan

• Check country coverage limits (some exclude specific nations)
• Look for direct payment options — not reimbursement only
• Bundle travel + health if you're overseas long-term

Final Thoughts

Digital nomad life is exciting — but unpredictable. The right travel insurance ensures you’re not just mobile, but also protected. Compare global plans designed for remote workers and enjoy your journey with peace of mind.