Top Travel Insurance Options for Digital Nomads & World Travelers

Why you need Travel Insurance:

You may be asking yourself, “Do I really need travel insurance”? The answer is YES! Trips get cancelled for many reasons. Work can get in the way, illness, natural disasters can strike suddenly and many other unexpected changes can affect your travel plans. Many common reasons are covered and you could be reimbursed for them.

TRAVEL INSURANCE:

Travel insurance covers you for cancellations, unexpected medical expenses for injuries or illnesses while abroad. Cancellation insurance not only helps when you experience a sudden death in the family but also when your destination has a recent terror attack, a global pandemic, when airports shut down, and when there is a disruption in government. It also covers reimbursement for lost luggage and clothing.

NOMAD INSURANCE

A nomad insurance is a specialized insurance for digital nomads that typically covers health, travel, and equipment. It has become an increasingly popular choice for those who are living life in many countries throughout the year to have everything covered under one policy.

Safety Wing:

One of the first companies to focus on the Digital nomad lifestyle and their specific needs for travel insurance and health insurance. Their goal is to remove the role of geographical borders as a barrier to equal opportunity and freedom for everyone. The global safety net they are building is for anyone that wants to be location independent. Most of their users already work online as freelancers, entrepreneurs, remote workers and digital nomads. To complete the safety net their customers need, they will be focusing on the certain factors. These include income stabilization, remote retirement, global life insurance, disability coverage, and virtual healthcare.

Insurance Plans

They have created a borderless world online and offer a variety of insurances such as:

• Nomad Insurance
• Remote Health
• Remote Retirement

EKTA:

A new generation insurance company that contributes completive prices with a high level of service. This offer is for people who travel or go abroad. Everyone between the ages of 3 and 85 can buy it online on a website. You will receive your insurance policy by email within 2-3 minutes. There is a multilingual technical support chat 24/7.

Benefits for customers

• Work all over the World
• Insurance covers COVID -19
• Client support 24/7
• No hidden clauses in the contract
• Get insurance policy online
• 10 years experience at the insurance industry
• No hidden restrictions in medical services

If you want to check out their Start, Gold or Max policies for travel insurance just click here: EKTA

Vistor Coverage:

VisitorsCoverage is a Silicon Valley-based insurtech company headquartered in Santa Clara, California. They provides travel insurance for millions of global travelers in over 175 countries. They are the largest provider of visitor’s insurance for inbound travel to the U.S. and offer numerous specialized coverage products for travelers in a world of growing natural disasters, civil incidents and travel calamities.

Using patented online search, compare and purchase technology, VisitorsCoverage partners with the world’s top insurance underwriters. They offer hundreds of tailored policies to their customers. Founded in 2006, they have helped corporations, families, solo travelers and service groups find affordable coverage in minutes that allows them to travel the globe confidently and worry-free.

VisitorsCoverage is constantly evolving by creating innovative, market- demand products and by continually updating an extensive online knowledge base for their global clientele.

Benefits for customers

• Complete range of travel medical insurance and trip insurance solutions globally
• Top-rated Customer Service team
• Simplified purchase experience — quote and purchase in less than 5 minutes

Insurance Plans:

• Vistors Insurance: Cover Medical expenses for short-term visitors to the U.S
• Trip Insurance: Covers expenses related to flight cancellations, trip interruptions & baggage delays
• Europe/ Schengen Insurance: Covers medical expenses during your European trip
• International Travel Insurance: Covers medial expenses during your international trip
• Immigrant / Green Card Insurance: Short-term medical coverage for new U.S Immigrants & Green Card holders
• Student Visa Insurance: Covers medical expenses for students studying abroad

Insubuy:

Insubuy has been in business for more than 20 years. It is currently the largest provider of visitors insurance for foreigners visiting United States. They provide medical coverage as well as emergency medical evacuation, repatriation of remains, and travel-related coverages.

On insubuy.com, customers can get instant quotes from multiple U.S.-based companies, compare them side by side, and make an instant purchase online in a few minutes, as no paperwork is required. After purchase, the customer can download fulfillment documents such as ID cards, visa letters, and certificate wordings, as well as manage an online account that includes extensions, cancellations, change requests, and repurchase.

If any customers have questions or need help, licensed insurance agents are available seven days a week from 8 AM CT to 9 PM CT.

International Plans

• Visitors to the USA : Visitors insurance primarily provides coverage if you were to unexpectedly get sick or injured while visiting the United States.
• Travel Outside the USA : Travel, health insurance primarily provides medical coverage while traveling outside of your home country as your domestic health insurance may provide limited or no coverage away from home.
• Schengen Visa : Schengen visa insurance is mandatory for most non-US citizens traveling to Schengen countries in Europe. It is also required for US citizens traveling to Schengen areas for longer than 90 days. Some of the standard benefits include instant, visa letter, trip, interruption, and emergency medical evacuation. 
• COVID-19 Travel Insurance: Coronavirus travel, medical insurance primarily provides medical coverage while traveling outside your home country and includes COVID-19 coverage just like any other eligible medical condition after the effective date of the policy.

International USA Plans

• New Immigrants: New immigrant health insurance primarily provides coverage to elderly immigrants that do not qualify for the United States Medicare, and or for other domestic health insurance plans. Some of the standard benefits include PPO network, acute onset of pre-existing conditions, accidental death, and dismemberment and prescription drugs.
• Visiting with Greencard : Green card holders. have a variety of extensive and comprehensive coverage plans available through Insubuy. For detailed information including plan, coverage, co-pays, deductibles, and more. Please click the link.
• Exchange Visitors (J1/J2) : J visa insurance plans, meet the minimum requirement specified by the US department of state most domestic health insurance plans in the US simply don’t mean all of the requirements. 
• Expatriates : Expatriate medical insurance provides major medical insurance coverage for persons, primarily residing outside of the United States. The standard benefits include PPO network, portable coverage flexible treatment, emergency medical evacuation, return of mortal remains and life insurance. 
• Group Travel : Group medical insurance provides medical coverage to groups of five or more persons traveling together outside of their home country. Some of the standard benefits may include emergency, medical expenses, PPO network, acute onset of a pre-existing condition, trip interruption, emergency, medical evacuation, return of mortal remains, loss of checked luggage.
• Annual Multi-Trips : Multi trip travel insurance provides medical coverage while on any number of trips as long as each trip duration does not exceeded the maximum allowed by the insurance plan, typically 30 days or 45 days.

Unique Plans

• Marine Crew : Marine crew health insurance provides annually, renewable major medical insurance plans for marine and yacht crew members while at sea and on land. 
• Missionary Travel : Missionary travel insurance primarily provides coverage for medical expenses while abroad. As well as emergency, medical evacuation, accidental death coverage, and several other benefits. 
• Missionary Long Term : Missionary long term travel insurance provides the same benefits just on a long tern basis.
• Fiancé Visa : Once your fiancé enters, the US marriage must occur within 90 days upon their arrival. The newly arrived person is not immediately eligible for regular domestic health insurance. The majority of companies require the person to be a resident for six months, 12 months or two years. As an interim solution, K-1 visa health insurance products are available for this situation. 
• Temporary workers : Many temporary workers such as H one or L1 visa who are working in the US are looking for health insurance for themselves and their dependence. They need to decide if they get insurance through the employer, long-term domestic insurance, short-term domestic insurance or new immigrant insurance. With this link, you can find a flow chart that will guide you through the most suitable option for you. 

Students

• Students (F1/F2) : International student insurance provides coverage if you were to unexpectedly get sick or injured, while studying in a foreign country
• Study Abroad : Study abroad, insurance primarily provides emergency medical expenses while studying abroad, as well as emergency, medical evacuation, and other benefits.
• OPT for recent foreign graduates: OPT insurance is a short term health insurance for recent foreign graduates until they can enroll into their employer, sponsored health insurance or in another PPACA compliant health insurance. Not a substitute for domestic major medical insurance. 
• Exchange Visitors (J1/ J2) : J visa insurance plans, meet the minimum requirements specified by the US department of state.

Travel

• Accident (AD&D) : Accidental death and dismemberment insurance provides coverage in case of death or dismemberment due to an accident. It is typically sold as an add-on to a life insurance policy.
• Cruise Insurance : Travel insurance while embarking on a cruise in international waters.
• Flight Accident : Flight insurance is primarily flight accident insurance. While traveling by scheduled airline flight if the person dies or becomes dismembered flight insurance provide benefits. Flight insurance is the simplest form of life insurance.
• International Travel Insurance : Choose between trip, cancellation, focused, or travel medical focused coverage. 
• Trip Insurance : Trip insurance primarily provides coverage for prepaid nonrefundable expenses in case you need to cancel your trip. 

Choosing the best option for you:

In conclusion, when it comes to safeguarding your travel plans, exploring various travel insurance options is crucial. Whether you’re embarking on a short weekend getaway or a long-term international adventure, having the right coverage can provide peace of mind and financial security in unforeseen circumstances. From comprehensive policies that cover trip cancellations, medical emergencies, and lost luggage to specialized plans tailored for specific activities like adventure sports or cruises, there’s a diverse range of options to suit every traveler’s needs.

Remember to compare policies, read the fine print, and consider multiple factors. Consider coverage limits, deductibles, and exclusions before making your decision. By investing in travel insurance, you can enjoy your journey with confidence. You will know that you’re prepared for whatever the road may bring. So, before you embark on your next adventure, don’t forget to explore your travel insurance options. Choose the plan that’s right for you. Safe travels!

Happy travels xx

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