The Best Travel Insurance for Digital Nomads in 2025

The idea of staying in one place and working has changed a lot in the past few years, in part due to the Covid-19 pandemic. Facing the widespread effects of Covid-19, we were forced to find new ways to conduct business, which for a lot of companies meant introducing remote working for the first time.

Now, remote work is more common than ever, with many employers offering very flexible remote options - including the highly sought-after "work anywhere" perk. After all, who doesn't want to take a call on an Italian terrace with a delicious cappuccino in hand?

One of the many things that digital nomads need to consider is long stay travel insurance.

With our 14+ years of expertise in the travel sector, we have created this guide specifically for digital nomads, helping you understand what type of insurance might be best for you.

Let's go!

Do digital nomads need travel insurance?

It's a good idea - sometimes it's even required.

If you are applying for a visa to work abroad, travel insurance may be a mandatory part of the application process. Without it, you could face visa rejection.

This is why it's extremely important to look up the entry requirements for the country (or countries) you are planning to work remotely in. Many countries, such as popular destinations like Spain, France, and Italy, have strict rules when it comes to working without the appropriate permissions.

Can I work as a digital nomad?

A bigger question: are you able to be a digital nomad? Unfortunately, there's not a simple answer to the question, as it depends on your personal situation.

Generally speaking, there are a few criteria you need to meet to live the digital nomad life.

One, your employer needs to either have a "work anywhere" policy or you need explicit permission to work outside of your country of residence. Without getting into the nitty-gritty, employers have different processes when it comes to taxes and insurance if they have employees in other countries.

Some companies may not want to (or be able to) offer this perk to their employees.

Second, you need to check whether or not you're eligible to apply for the appropriate visa for your destination. Spain, for example, offers a digital nomad visa, and so does Malta. France, however, does not.

Third, at least for countries in the Schengen area, you have to make sure that you can financially sustain yourself when you apply for a visa. This means providing proof of your funds (be it savings, income, etc.), and a laundry list of other documents.

The digital nomad way of life is increasing in popularity, but it isn't as simple as buying a plane ticket and heading abroad.

What type of insurance do digital nomads need?

The type of insurance that digital nomads need depends on a few things.

• Visa requirements.
• The duration of your trip abroad.
• Where you are going (which countries, specifically).
• What you'd like to be covered for.

When answering all of those questions about your trip, there's an insurance option that will be "the sweet spot."

Luckily, there are online comparison tools that can quickly tell you which insurance option is the best for you based on the factors above. With that said, let's take a look at each of those factors so you have a broader picture of the type of coverage you might need.

Visa requirements

If you're applying for a digital nomad visa, or any type of visa in order to work in a foreign country, travel insurance might be required.

When it is required, there will likely be criteria that the specific policy needs to meet. For example, in some Schengen countries, you must provide proof of insurance in your visa application. For short stays, this insurance must cover at least €30,000 in medical emergency costs, offer hospitalization, medical evacuation, and repatriation, cover you for the entire duration of your stay, and be recoverable in all Schengen countries (of which there are currently 29).

As you can see, the best policy for the digital nomad in this case would be the one that meets all of the criteria set out by the visa-issuing authority.

In some cases, health insurance might be required, not travel insurance.

When you begin the visa application process, the visa application center or consulate (depending on where you must apply) will give you a list of the required documents for your application. This list will tell you whether or not you need travel insurance, health insurance, or something else. It will also let you know if there are specific criteria your policy needs to meet in order to be compliant.

Some companies specialize in specific types of visa insurance. For example, Insurte specializes in Schengen compliant visa insurance, meaning 100% of their travel insurance is Schengen compliant and will meet the requirements of your Schengen visa.

It's extremely important that you pay attention to the details when it comes to your visa application.

The duration of your trip abroad

Different policies can have different maximums. What we mean by that is there may be a "time limit" on the policy you buy.

Some policies can cover you for 90 days, 120 days, or even 365 days, but it depends on the specific policy that you choose.

If you're planning to stay in another country for more than 90 days, you will need the appropriate long stay travel insurance policy.

Keep in mind that even if an insurance policy says it covers you for a lot of days (120, 365, or something else), you may have per-trip maximums.

Per-trip maximums limit the number of days you are covered per trip. In essence, while you may have 120 days of coverage (as an example), that may be for multiple trips shorter in duration.

Before you choose your policy, make sure to read the terms and conditions, as they will explicitly state the number of days you can be covered and how that has to be broken up (if it does have to be broken up at all).

Where you are going

Travel insurance is for traveling. Meaning, if you're traveling you're covered. Right? Not exactly.

This is probably one of the biggest misconceptions about travel insurance. You're not inherently covered just because you're traveling.

Most insurance policies cover you in specific countries. For example, one policy might cover you in the Schengen area and a few other European countries but nowhere else. This means if you are traveling to Spain, France, and Italy, you are covered. But, if you find a great deal on a flight to Morocco, for example, you won't be covered there.

Depending on how you like to travel, this might be an issue for you as it can be rather limiting.

If you do like to travel with spontenaity, there are policies that cater to this. Some travel insurance offers worldwide coverage. This can be a good choice for the digital nomad who wants to really go where life takes them.

Regardless, make sure you choose a policy that covers you anywhere and everywhere you plan to go.

What you'd like to be covered for

Lastly, in addition to making sure you've met visa requirements, you can be covered for the entire duration of your trip and in all of the places you are going; there's what you actually want to be covered for.

At its core, travel insurance will cover you for emergency medical expenses to varying extents, but you can get coverage for other things too, like Covid-19, lost passports, and more.

The best policy for you will tick all of the above boxes - and the answer is likely different from person to person.

What is the best travel insurance for digital nomads?

Insurte offers the best insurance for digital nomads - particularly to the Schengen area.

Through Insurte, you will find customizable policies with terms that you won't find elsewhere due to their strong partnerships with leading insurers.

Mutuaide through Insurte

✅ Offers 365 days of coverage (depending on the policy, there may be per-trip maximums).
✅ Worldwide coverage.
✅ €100,000 in emergency medical coverage.
✅ Schengen-compliant guaranteed.
✅ Covers Covid-19 and all epidemics.
✅ 24/7 worldwide travel assistance and support.
✅ Search and rescue costs (for hiking, skiing, etc.).
✅ Legal assistance, fees, and advance of bail abroad.
✅ Lost/stolen passports and other papers.

For comprehensive coverage that offers worldwide protection, Mutuaide is an excellent choice for digital nomads.

Because coverage is worldwide (generally speaking, there are some exclusions), Mutuaide is a great choice for travelers who want to have more freedom. Whether it's jumping on a quick deal or going on a spontaneous trip just-because, worldwide coverage gives you more flexibility.

Depending on the specific policy, coverage can vary, so always look at the terms and conditions of each before finalizing the purchase.

FAQs: Long Stay travel insurance for digital nomads