Health insurance for digital nomads and remote workers
Travel insurance is built for trips. If you live and work remotely from another country for most of the year, you need annual health insurance for that country and for the places you travel to. That is what an international plan does.
Travel insurance or international health insurance?
Travel policies cover emergencies during a trip, often for a limited number of days, and end when the trip ends. They rarely cover planned treatment, cancer care or chronic conditions. An international plan is annual, comprehensive health insurance: hospital, specialists, cancer care and, if you choose them, out-patient care, dental and evacuation, in every country inside your area of cover.
Your main country of residence
Insurers base the policy on your main country of residence: the country where you spend most of the year. If you spend 160 days in one country and 205 in another, the second is your country of residence. It decides which plans are available and the premium, so tell us honestly how your year is split.
Digital nomad visas
Most nomad and remote-work visas ask for health insurance. Spain’s international remote-work residence, for example, requires public or private health insurance with an insurer authorised to operate in Spain, and travel insurance is not accepted. Send us the requirement for your visa and we confirm with the insurer whether its certificate meets it before you apply.
Building a nomad plan
- Area: worldwide excluding the USA suits most nomads; add the US only if you will spend time there.
- Core: hospital, cancer care and evacuation.
- Out-patient: optional, useful if you see doctors regularly.
- Deductible: a higher deductible keeps the premium down if you want protection against large bills only.
How we work
Both insurers, side by side
Allianz Care and Cigna Global configured on the same terms, with our recommendation in writing.
One adviser, quote to claim
The person who quotes your plan handles the application, the certificate, renewals and claims.
No fee to you
We are paid by the insurer. Quotation, comparison and help with claims cost you nothing.
Get your international health insurance quote
Four details are enough to start. We reply in writing within one working day with Allianz Care and Cigna Global configured for you.
Thank you
We will come back to you in writing within one working day.
Frequently asked questions
Can I get international health insurance if I move every few months?
Yes, as long as you can name a main country of residence where you spend most of the year. A plan with worldwide cover follows you everywhere inside the area.
Is it accepted for a digital nomad visa?
It depends on the country. Some, such as Spain, require an insurer authorised to operate there. We confirm the certificate against your visa requirement before you apply.
I am a US citizen working remotely abroad. Which insurer?
Cigna Global, which accepts US citizens living outside the US. Allianz Care does not.
Related reading
Adler & Rochefort is the commercial brand of Ownizo, Unipessoal Lda., an insurance broker registered with the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) under no. 425591790/3, authorised to carry on insurance mediation in the life and non-life branches, and not a tied agent of any insurer. We are appointed to distribute the international health plans of Allianz Care, Cigna Global and APRIL International. Availability depends on your nationality, your main country of residence and local law, and is confirmed before any quotation. This page is general information, not advice on a specific case, and not an offer of insurance. Acceptance, cover, limits, exclusions and premium are determined by the insurer following medical underwriting and are governed exclusively by the policy conditions issued.