How to Find the Right Insurance as a Digital Nomad: A Review of Nomads.Insure

My honest review of Nomads.insure, a broker for digital nomads. Learn how they work, what insurance options they offer, and how a free call can help you choose the right plan

Being a digital nomad, one of the biggest headaches I’ve faced is figuring out health insurance. It can be tricky to find the right solution. While travel insurance may work, the medical coverage isn’t as great as a health insurance plan. Also, it’s just a temporary solution.

In addition, digital nomads tend to move around a lot, jumping from country to country. And the majority of brokers I’ve found are for expats, not digital nomads.

Fortunately, I just discovered insurance brokers that specialize in insurance for digital nomads: Nomads.Insure.

In this review, I’ll share everything you need to know about Nomads.Insure based on my research and conversations with fellow nomads who’ve used their service. I’ll cover what they offer, how it works, pricing, and whether it’s worth using for your nomadic lifestyle.

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Why Nomads.insure Caught My Attention

I just came across Nomads.Insure. What struck me was that they are an insurance broker created specifically for digital nomads.

Traditional international insurance companies I’ve found do not truly understand the nomadic lifestyle, where you might spend 2 months in Thailand, 3 months in Vietnam, and then head to Mexico. A majority of these companies are mainly for expats who tend to stay in one country with predictable travel patterns.

On the other hand, travel patterns of digital nomads are quite unpredictable. Sometimes, they just move to a new country right after hearing some good things about it from a friend they just met at a networking event.

So, having someone who understands your lifestyle is a big plus. As an insurance broker for digital nomads, they can help you find the right insurance.

In addition, the founders of Nomads.Insure, Christ and Aaron, are also digital nomads themselves. So, they’re not only able to help you find the right insurance plan, they may also be able to recommend countries you should consider living in as a digital nomad.

What Insurance Products They Offer

Nomads.Insure offers four main types of insurance: travel insurance, health insurance, disability insurance, and tech and gear insurance.

These are also the four main types of insurance that digital nomads usually get.

For each product, I’ll also give you an idea of the insurance companies that Nomads.Insure works with. And I’m quite impressed with the list since there are some companies that may not be well-known but offer good plans for remote workers.

For example, they work with Genki on travel insurance. Genki offers a really good travel insurance plan in terms of medical coverage.

Travel Insurance

Travel insurance is the most popular option for young digital nomads, especially for those who are planning to be abroad for 3–6 months or who stay in each location for less than 90 days.

The coverage normally includes: emergency medical care, trip cancellation, lost baggage, and emergency evacuation.

Some of the travel insurance companies they work with include SafetyWing Nomad Insurance, Genki Explorer, and Insured Nomads Travel Coverage. What I appreciate about this selection is that all of these providers have good plans for digital nomads.

For example, the plan from SafetyWing is quite affordable, while Genki has good medical coverage. Having many options means they can recommend the plan that’s most suitable to your lifestyle.

International Health Insurance

This is where things get interesting for full-time nomads. If you have been nomadic for years with no plans to return “home,” you need something more substantial than travel insurance.

However, choosing the right health insurance is a tricky matter for digital nomads. You can’t rely on public or private insurance from a local company since, in most cases, those only have medical coverage in a certain country. And many of them aren’t available to digital nomads.

This leaves international insurance as the only viable choice. But that doesn’t mean you can choose any plan. A majority of international insurance requires you to choose an “area of coverage” when you buy the plan. And if you move to a country that’s outside of your chosen area, your medical coverage is going to be limited.

For example, it may cover only 90 days and only for emergencies.

So, choosing the right plan for a digital nomad is challenging, even for me, and I’ve read and reviewed many insurance plans.

This is where Nomads.Insure comes into play. They partner with a lot of well-known companies (like Cigna, AXA, VUMI), and also underdog companies that have good plans, like Foyer, PassportCard, and BDAE. With a long list of partners, they can point you to the plans that work best for you.

Disability Insurance

To be honest, I don’t know much about disability insurance. But some people may find it interesting. With disability insurance, when you are seriously ill or have a severe accident, the insurance gives you an allowance so that you can still have some income to live your life.

Tech and Gear Insurance

They are also talking to insurance companies to offer tech and gear insurance for gadgets like your laptop, camera, phone, and other tech gear. It’s still a work in progress. I’ll update the article again once they have it.

How to Use Nomads.Insure

Using Nomads.Insure is different from other insurance sites I’ve seen. You simply enter your name and email, then schedule a call with their team.

Christ and Aaron, the founders of Nomads.Insure. Both have decades of experience in the insurance industry and are digital nomads themselves.

This approach makes complete sense when you think about it. Finding the right insurance as a digital nomad is incredibly tricky. Your citizenship, travel patterns, work situation, and dozens of other factors all impact what coverage will actually work for you. There’s no one-size-fits-all solution.

After understanding your needs, they’ll recommend specific providers and explain why those options work best for your situation. You can also purchase the plan from them easily.

Pricing

One thing I appreciate about Nomads.insure is their upfront pricing. No hidden fees or surprise costs after you’ve invested time in research.

Travel insurance typically runs US$1.50-US$3.00 per day, depending on your age, coverage level, and destinations. For a 3-month trip, you’re looking at roughly US$135-US$270.
International health insurance starts around US$90-US$250 per month, again depending on your age and coverage needs. I know nomads paying US$200/month for solid coverage that gives them peace of mind anywhere in the world.

The pricing is the same as what you’d pay going directly to these insurance companies, since Nomads.insure doesn’t add markups. They earn through commissions from the insurers.

Claims and Support

Like buying the plan from other insurance brokers, when you need to make a claim, you’re dealing directly with the insurance company.

However, if you have an issue with a claim, you are still able to get their advice on how to get the most from your health insurance plans.

There are two key points when it comes to making insurance claims: choose a provider with a good reputation for claims handling and understand what coverage you get.

At the very least, based on what I’ve seen, Nomads.insure does a decent job of vetting their partners, but you’re still responsible for understanding your specific plan’s claims process.

Who Should (and Shouldn’t) Use Nomads.insure

Nomads.insure is perfect for:

Digital nomads who work remotely and move frequently between countries. If you’re constantly changing locations, their platform saves you hours of research. Solo remote workers who need affordable coverage across multiple countries.

Freelancers and entrepreneurs without company-provided benefits. If you’re self-employed and location-independent, this platform was basically built for you.

It’s not ideal for:

Expats with local employment who have access to national healthcare systems. If you have a work visa and local health benefits, you probably don’t need this.

My Honest Assessment

After diving deep into Nomads.insure and talking with nomads who’ve used it, here’s my verdict: it’s an excellent tool for nomads who want to compare insurance options without dealing with sales pressure.

What I love:

The platform is tailored specifically for nomads, not general travelers. They understand our unique needs and challenges.
Side-by-side comparisons make it easy to see differences between plans without jumping between multiple websites.
Wide range of options means you can find coverage whether you’re a budget backpacker or a high-earning remote worker.

Final Verdict: Should You Use Nomads.insure?

If you’re a digital nomad looking for health coverage, Nomads.insure is worth checking out. They’re independent insurance brokers, and their team are digital nomads themselves, so they understand the challenges of finding reliable coverage when you’re constantly on the move.

Their main role is to help you compare different travel and international health insurance plans and explain how each one works, rather than just pushing a single company’s product. They can also guide you through the process if you decide to buy a plan and will be there to support you if you ever need to make a claim.

You can schedule a free call with them to talk through your situation and see what options are available. If you like their advice, you can purchase a plan through them directly. If not, you’ll at least walk away with a clearer picture of what choices you have and what to look for when making a decision.

Frequently Asked Questions (FAQ)

Here are the most common questions I’ve encountered:

Do I pay extra to use Nomads.insure?

No. Their services are completely free for you. They earn a commission directly from the insurer when you buy a plan through them. The price you pay is exactly the same as going to the insurer directly.

Is Nomads.insure an insurance company?

No. They are a fully licensed independent insurance broker, regulated in Estonia and authorized to operate across the European Economic Area (EEA). They partner with many insurers and help you find and manage a plan that suits your needs.

How does Nomads.insure help with claims?

This is where things get interesting. If you have trouble submitting a claim or your insurer denies a claim unfairly, Nomads.insure acts like a personal advocate. They help you:

Understand the documentation requirements
Communicate with the insurance company on your behalf
Appeal or escalate a rejected claim when appropriate

Their support can be especially useful when dealing with large medical bills or complex situations.

Can I change my plan after buying through Nomads.insure?

It depends on the insurer’s policy. If you’re still within the free-look or cancellation period (often 14–30 days), they can help you cancel or adjust your plan without penalties.

If you’re outside that period, they can:

Help you switch to a new provider if your current plan isn’t working
Coordinate with the insurer for upgrades, add-ons, or changes to your existing plan

They recommend reaching out before making major changes so they can guide you through the best process. This is much better than trying to navigate insurance company customer service on your own.

What if I already have a policy but want to switch?

You can contact them even if you didn’t buy your current policy through them. They’ll still give you advice on your options, especially if you’re unhappy with your current coverage or insurer.

Can I use Nomads.insure if I’m already abroad?

Yes. Many of their plans are available even if you’ve already left your home country.

How do I contact them if I need help?

They offer support via email and scheduled video calls. You can also reach out via their website’s contact form.