Top 9 Travel Insurance Plans for Digital Nomads

The digital nomad lifestyle is booming, and Singaporeans are increasingly trading their office cubicles for laptops on beaches in Bali. As the digital nomad lifestyle gains popularity amongst Singaporean workers, the need for comprehensive travel coverage has never been more critical. 

Digital nomads face unique challenges that require specialised insurance solutions. These remote workers often spend extended periods abroad, moving across countries from Bali to France. While this nomadic lifestyle blurs the lines between work and travel, it also exposes them to a range of risks from medical emergencies to equipment loss. 

Whether you're a seasoned nomad or just starting your remote work journey, read on to find the right insurance plan to safeguard your travels and your livelihood, all while staying compliant with Monetary Authority of Singapore (MAS) guidelines.

World Nomads is a favourite amongst digital nomads due to its flexibility and comprehensive coverage. It caters to travellers in over 140 countries, including Singapore. Plus it offers flexibility to extend your coverage during your trip so you can rest assured that your nomadic lifestyle will be well taken care of. 

Plus, if you’re looking to do some good while you travel, World Nomads has partnered with the Footprints programme to make a micro-donation to a charity of your choice whenever you purchase a plan with them. 

There are two insurance policies available with World Nomads: Standard and Explorer. While the Standard Plan has some limitations on its coverage, it covers more than 200 sports activities. The Explorer Plan covers an additional 60 sports activities. Do note that you can’t switch from a Standard Plan to an Explorer Plan mid-trip, so choose wisely.

Included: 

• 24/7 Emergency medical assistance

• Medical evacuation and repatriation

• Baggage protection

• Trip cancellation and delay

• Adventure activities

Excluded: 

• Pre-existing medical conditions

• Injuries while intoxicated

• War, riots, civil unrest

• Travel to countries under government travel advisories

• Plan upgrades mid-trip

Coverage is available for up to 1 year. If you're staying longer than 180 days, you'll need to renew your policy. Luckily, they offer flexible extensions, so you can tweak your coverage as your travel plans change.

To see how World Nomads compares to other travel health insurance providers, we considered a sample 180-day trip to Australia by a 26-year-old Singaporean.

Due to the World Nomads Standard Plan’s limited coverage for adventure activities, it costs $376.30 USD (approximately $505.43 SGD at the time of writing). Meanwhile, the Explorer Plan comes in at $414.77 USD (around $557.10 SGD at the time of writing).

It's worth noting that if your nonrefundable prepaid trip expenditures exceed $2,500, the Standard Plan will only cover you for up to $2,500 in trip cancellation. In this situation, you should pick the Explorer Plan, which covers up to $10,000 in trip cancellation coverage. Notably, both plans include $100,000 in emergency accident and medical coverage, which provides a great deal of peace of mind, especially if you're travelling overseas for an extended period.

The key highlight of World Nomad’s plans is its extensive list of adventure activities included in its coverage - which will put adrenaline junkies and thrill seekers at ease when they’re chasing that high after a long day at work.

SafetyWing offers flexible and affordable coverage worldwide. One of its standout features is the ability to purchase or extend coverage while already abroad, making it a convenient option for those on the move.

SafetyWing provides two insurance plans: Essential and Complete. Their Essential Plan covers travel medical expenses, while the other offers full health insurance and extended trip coverage. Both plans cover travellers of all ages, from 10 to 6, and are renewable monthly.

Here’s what’s included in their plans:

• Emergency medical and dental expenses 

• Emergency evacuation and repatriation 

• Trip interruption and delay

• Lost checked luggage

• Political evacuation and border entry protection

Exclusions:

• Pre-existing conditions 

• Mental health disorders 

• Incidents under the influence

SafetyWing is a budget-friendly, flexible option for digital nomads and long-term travellers from Singapore. Its Essential plan costs $56.28 USD ($75.70 SGD at the time of writing) while its Complete plan costs $150.50 USD per month ($202.43 SGD) and $1625 USD annually ($2185.70 SGD).

We used the same sample 180-day trip to Australia by a 26-year-old Singaporean to compare the plans.

With its global accessibility, automatic renewals, and comprehensive coverage, it’s well-suited for those who need hassle-free travel insurance. However, it’s important to review the coverage details carefully, especially regarding exclusions and limitations. Be sure to verify eligibility and policy terms directly with SafetyWing to ensure it meets your travel and healthcare needs.

Atlas Travel Insurance allows you to tailor coverage by adjusting deductibles and benefit limits. Choose between Atlas International and Premium plans depending on your destination and risk appetite. 

Included: 

• Emergency medical and dental

• Emergency medical evacuation

• Repatriation of remains

• Trip interruption and travel delay

• Lost or stolen checked luggage

• Coverage extensions up to 364 days

• Optional adventure sports and natural disaster add-ons

Excluded: 

• Pre-existing conditions (unless upgraded or temporarily waived)

• Mental health care

• Some high-risk adventure sports

• Coverage within Singapore

• Cancer treatment and long-term chronic conditions

Atlas Travel Insurance is great for digital nomads who are visiting countries that require a visa and proof of health insurance. 

We generated a quotation for the Atlas International plan using the same sample, a 26-year-old Singaporean's 180-day trip to Australia.

Their International plan for digital nomads starts at $52 USD (about $69.94 SGD) for 28 days of coverage, with the ability to extend. Their Premium plan provides more coverage and allows you to choose your deductible, coverage length, and overall maximum coverage.

Allianz is a well-known global insurer with a local presence in Singapore. It offers comprehensive protection for medical emergencies, cancellations, and baggage loss.

What’s included:

• Emergency medical expenses (up to S$1 million on select plans)

• Trip cancellations or interruptions (up to S$15,000)

• COVID-19 coverage for medical and travel disruptions

• Lost or delayed baggage

• Unforeseen pregnancy complications

• Loss of passport or documents

• Annual multi-trip coverage (up to 90 days per trip)

What’s excluded: 

• Pre-existing medical conditions (unless stated)

• Terrorist events and travel bans

• High-risk activities (e.g., flying as pilot, extreme sports)

• Travel during civil unrest or against advisories

Their Flexicare Short-term International Healthcare Plan for nomads provides up to 9 months of coverage, while their Core Plans provide up to a year of coverage and have 3 tiers. 

Let's compare the plans using our sample of a 26-year-old Singaporean's 180-day trip to Australia.

Prices for their FlexiCare Short-term International Healthcare Plan vary based on your age, region of coverage, and deductible level. If you're planning multiple trips or living overseas long-term, Allianz offers flexibility for both short- and long-haul nomads.

Insured Nomads offers two main plans: the World Explorer Plan for single trips and the World Explorer Multi Plan, designed for those taking multiple international trips over the course of a year. 

Both plans include the INC (Insured Nomads Community) Membership, which gives travellers extra perks and digital health support while on the move.

Included:

• Emergency medical and dental expenses

• Emergency evacuation and repatriation

• Trip interruption and delay

• Baggage loss, theft, or delay

• COVID-19-related medical expenses and quarantine

• Political evacuation and natural disaster support

• Airport lounge access for delayed flights (via INC membership)

• Virtual therapy and telehealth access

Excluded:

• Pre-existing conditions (unless sudden onset is covered)

• Routine check-ups and preventive care

• Mental health disorders requiring inpatient care

• High-risk activities without an adventure sports add-on

• Incidents involving alcohol or drug use

• Options to add coverage for adventure sports, pet insurance, accidental death, and car rental insurance for an additional fee.

The World Explorer Plan starts at around $2.87 USD per day (about $3.86 SGD), while the World Explorer Multi Plan provides year-round coverage, with pricing varying based on age, coverage limits, and selected deductibles.

Before signing up, take time to review the policy details, including any exclusions and benefit limits. If you’re unsure, it’s a good idea to speak with Insured Nomads or consult a local insurance advisor to make sure it fits your travel lifestyle and healthcare needs. While Insured Nomads is available to Singapore residents, make sure to double-check the terms and eligibility directly.

IMG Global provides four plan tiers: Bronze, Silver, Gold, and Platinum. Each level offers different benefits, with higher tiers covering more services and having lower deductibles. 

The plans are customisable, making it ideal for remote professionals who want a peace of mind wherever they go.

What’s included: 

• Emergency medical care (24/7 access)

• Hospitalisation and outpatient visits

• Choice of deductible and coverage area

• Optional dental and vision riders

• Prescription medication cover

• Coverage up to US$8 million depending on plan tier

What’s not included:

• War and terrorism-related incidents

• Pre-existing conditions (unless specified in the plan)

• Self-inflicted injuries or illegal activities

• Extreme sports (unless you add optional coverage)

Choosing a higher deductible can lower your premium costs. Available deductible options range from $100 USD ($134.50 SGD) to $25,000 USD ($33626 SGD). 

You should assess how the international coverage complements existing local healthcare provisions such as MediShield Life and MediSave and contact IMG directly to confirm your eligibility.

» Learn more: Choosing Backpacker Travel Insurance

Heymondo provides global coverage (excluding countries like Canada and the U.S.) and allows you to buy coverage even while travelling. If you're planning to travel for more than 90 days, the Long Stay plan is ideal — offering essential protection for remote workers living abroad.

Their app also comes with 24/7 medical chat and claims support, giving travellers peace of mind no matter where they are.

Included:

• Emergency medical and dental coverage (with $250 USD ($336.26 SGD) deductible)

• Medical transport and repatriation

• Baggage loss, theft, or delay

• Travel delay and missed connections

• Natural disaster accommodation

• Personal liability cover

• Accidental death or disability

• COVID-19 medical expenses, PCR tests, and quarantine lodging

Excluded: 

• Pre-existing conditions

• General medical check-ups

• Trips taken specifically for medical treatment

• Burial and repatriation ceremony costs

• Petty theft (e.g. unforced snatching or unattended losses)

• Damage from strikes, earthquakes, or radioactive exposure

• Motor vehicle incidents (unless specified in policy)

Heymondo’s Long Stay plan starts at $257 USD for 90 days ($346 SGD at the time of writing). You can extend coverage depending on your travel needs.

Heymondo is a strong option for Singaporeans travelling or living abroad long-term. Just note that coverage doesn't apply within Singapore, so it’s worth checking if you’ll need additional local health or dental protection for trips home.

» Learn more: Best business trip travel insurance

Travelex Insurance is a U.S.-based travel insurance provider that offers coverage for both short-term and long-term trips. 

Their flagship Travel Select Plan is suitable for extended international stays, including for Singaporeans working or exploring abroad.

Included:

• 100% trip cancellation reimbursement

• 150% trip interruption coverage

• Up to US$50,000 for emergency medical expenses

• Emergency evacuation and repatriation

• US$1,000 for lost or damaged baggage

• US$2,000 for travel delays (with a US$250/day limit)

Excluded: 

• Pre-existing conditions (unless waived within 15 days of booking)

• Medical tourism or general check-ups

• Damage from strikes or natural disasters

• Petty theft or self-inflicted injuries

• Most vehicle-related incidents (unless add-on applies)

A sample five-day journey for a 36-year-old passenger cost $130 USD ($174.86 SGD)  using the most affordable Travelex package. If you go with the premium plan, which doubles your coverage, you can expect to spend $176 USD ($236.73 SGD). 

Singaporeans should note that local health schemes like MediSave and MediShield won’t cover you abroad. Travelex offers an additional safety net — but it’s best to double-check eligibility and exclusions, especially for long trips.

Singapore residents are eligible for AIG Travel Guard plans, and the policy can be purchased whether you’re travelling for work, study, or leisure. 

Its Annual Travel Plan is ideal for frequent travellers, including Singaporeans, who take multiple trips throughout the year — with each trip covered for up to 90 days.

Included: 

• Trip cancellation and interruption (100% and 150% respectively)

• Emergency medical and dental coverage ($250 USD ($336.26 SGD deductible)

• Emergency evacuation and repatriation of remains

• Trip delays and missed connections (up to $2,000 USD ($2690 SGD), with $250 USD ($336 SGD)/day limit)

• Baggage loss or delay (up to $1,000 USD ($1345 SGD))

• Personal liability coverage

• Accidental death and dismemberment

Excluded: 

• Incidents related to war or civil unrest

• Travelling against medical advice

• Drug or alcohol-related incidents

• Nuclear or radioactive exposure

• Injuries sustained while committing a felony

AIG Travel Guard is designed for frequent flyers. A sample annual plan for a 30-year-old traveller costs around $242 USD (approximately $325 USD), but Singaporeans are encouraged to contact AIG for a precise quote.

» More: Read our full review

Digital nomads need medical coverage that travels with them, benefits for long stays, and flexibility to adapt as plans change. 

Not all nomad insurance plans are created equal. Some cover high-risk activities like scuba diving or snowboarding — others don’t unless you add it on. If you’re the adventurous type, paying a little extra for adventure sports coverage could save you thousands in hospital fees abroad.

At the end of the day, nomad travel insurance isn’t just about ticking boxes — it’s about building a safety net around your lifestyle. So whether you’re planning your next chapter in Lisbon, Seoul, or Sydney, make sure your insurance is just as flexible and reliable as you are.