tokio marine annual travel insurance

Tokio Marine Travel Insurance Review: Claim, Promotion, Policy Wording

Tokio Marine deserves a prize for being the most underrated insurance company in Singapore. The only thing most people know about them is that they’re a Japanese company like Daiso . But it would not have occurred to most of us to buy travel insurance from them.

Tokio Marine’s travel insurance plan is called TM Xplora Plus. It comes in two tiers:

This travel insurance plan you’ve never heard of is actually quite comprehensive, and go so far as to cover things like extra pet boarding costs and loss of frequent flyer points.

But how does Tokio Marine’s TM Xplora Plus plan match up to the competition? Here’s a detailed breakdown of the prices and coverage.

• Tokio Marine Travel Insurance: Summary
• Toko Marine Travel Insurance
• Tokio Marine Travel Insurance Covid-19
• Tokio Marine Travel Insurance Extreme Sports
• Tokio Marine vs Great Eastern vs AIA Travel Insurance
• Tokio Marine Travel Insurance Promotion
• Tokio Marine Travel Insurance Claim Review
• Should I buy Tokio Marine Travel Insurance?

1. Tokio Marine Travel Insurance Summary

Tokio Marine’s TM Xplora Plus comes in two tiers:

• Classic – up to $300,000 worth of overseas medical expenses
• Premier –  up to $500,000 worth of overseas medical expenses

You also have the option of purchasing single trip plans of up to 183 days or annual plans, which cover you for unlimited trips within a year of up to 90 days each.

2. Tokio Marine Travel Insurance Coverage

As you know by now, TM Xplora Plus comes in two tiers, Premier and Classic.

Premiums vary depending on which zone countries you are travelling to fall under. Here are the zones:

• Zone A: Malaysia, Thailand, Indonesia, Brunei, Philippines, Vietnam, Laos, Myanmar, Cambodia, China (including Inner Mongolia), Hong Kong, Macau, Japan, Taiwan, South Korea, India, Sri Lanka, Australia and New Zealand
• Zone B: rest of the world (excluding Afghanistan, Cuba Congo, Iran, Iraq, Liberia, Sudan, Syria and Ukraine)

Here’s a summary of the plan’s key benefits and coverage.

How does this plan stack up compared to its closest competitors? Sompo travel insurance plans , to cite an example, are a bit less generous than Tokio Marine’s, but come at a higher cost if you are travelling anywhere further than Southeast Asia.

The two highest-tier plans of another competitor, AIA travel insurance , offer more generous medical and personal accident benefits but are stingier when it comes to travel benefits like baggage loss and delay. The higher tier plans also cost more than Tokio Marine’s if you’re travelling outside ASEAN.

Total Premium

Sompo Travel Insurance Essential

Key features.

Common travel insurance benefits such as personal accident, medical expenses overseas, travel delay, loss of personal belongings.

Protection against hefty overseas medical expenses, trip cancellation costs and other essential coverage if you are diagnosed with COVID-19

This Policy is only available to you if you are living in Singapore

3. Tokio Marine Travel Insurance Covid-19

TM Xplora Plus automatically covers you in pandemic or epidemic situations, including Covid-19.  

They don’t have a separate section for Covid-19 coverage, which is generally a good thing, as that means you’ll be entitled to the plan’s regular claim limits even for Covid-19-related claims. This makes them one of the most generous plans out there when it comes to Covid-19 coverage

Most insurers are actually less generous with their Covid-19 cover. For instance, Great Eastern travel insurance’s Classic and Elite travel insurance plans only cover up to $50,000 and $150,000 worth of Covid-related overseas medical expenses, and their hospitalisatjon allowance is only $50/$100 per day for up to 14 days.

Another competitor, MSIG travel insurance, is offering $75,000, $150,000 and $250,000 worth of Covid-related overseas medical expenses through their Standard, Elite and Premier plans. Their travel-related Covid coverage is way less generous as well, with a max of $3,000 for trip cancellation.

MSIG TravelEasy Premier

[GIVEAWAY | Receive your cash as fast as 30 days*]    • Enjoy up to 40% off your policy premium • Get S$30 Revolut cash reward and an  Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$45  via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent. T&Cs apply.    BONUS: For a limited time only, there are S$3,200 worth of gifts to be given away on top of existing rewards: • 4x Samsonite Apinex 69/25 Luggage (worth S$600). T&Cs apply. • S$100 Revolut cash reward when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

COVID-19 coverage of up to $250,000 medical cover and up to $5,000 travel inconvenience benefit for your trip protection.

Stay protected and enjoy a wide range of adventurous activities from sky diving, scuba diving, white-water rafting to winter sports like dog sledding, tobogganing, sledging and ice-skating.

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

4. Tokio Marine Travel Insurance Extreme Sports

If your idea of a good time is jumping out of a plane into the abyss, you’ll be glad to know that TM Xplora Plus offers coverage for adventure activities and sports, subject to some exceptions, of course.

In general, Tokio Marine will cover you so long as you are participating in the sport on a non-competitive, leisure basis, and that you use a licensed local operator and/or licensed, qualified guides or instructors.

Here’s a breakdown of TM Xplora Plus’s coverage for some common adventure sports:

This is pretty standard for plans that automatically offer protection for adventure sports. You can do almost anything that’s not competitive. Just make sure you check the limits of the coverage so you do not do something that will get your coverage excluded.

5. Tokio Marine vs Great Eastern vs AIA Travel Insurance

How does Tokio Marine’s travel insurance plans measure up to those of its most ardent competitors, Great Eastern and AIA? Let’s have a look.

Unlike Tokio Marine’s plan, which has only two tiers, Great Eastern travel insurance comes in three tiers. If you’re looking for a cheaper plan with basic coverage, Great Eastern would be more appropriate for you. However, when it comes to the higher tier plans, Great Eastern’s offers poorer benefits at a higher price.

AIA travel insurance also comes in three tiers, with a budget plan that Tokio Marine lacks. When it comes to their higher tier plans, they offer more generous medical coverage than Tokio Marine but worse travel coverage.

All that said, both Great Eastern and AIA’s Covid-19 coverage pales in comparison to Tokio Marine’s. If you haven’t had Covid-19 yet, your chances of getting it on the road are not slim. In that case, you might want to opt for Tokio Marine’s insurance to be safe.

6. Tokio Marine Travel Insurance Promotion

There aren’t any promo codes for Tokio Marine travel insurance at the moment, but check here from time to time so you don’t miss out on any deals.

7. Tokio Marine Travel Insurance Claim Review

Tokio Marine has a good reputation when it comes to being efficient with claims, however, as their travel insurance is not well-known in Singapore, we were hard pressed to find reviews.

Tokio Marine Hotline: +65 6221 6111 (Mon to Fri, 8.45am to 5.45pm)

Tokio Marine Travel Insurance Online Claims: You can make a claim online here . On the same page, you’ll find a step-by-step guide to making travel insurance claims in case you need some assistance.

Tokio Marine Travel Insurance Claims: If you like, you can also download the PDF claim forms and fill up a hard copy. Bundle that with your supporting documents and mail it to

Tokio Marine Insurance Singapore Ltd. 20 McCallum Street #09-01, Tokio Marine Centre Singapore 069046

8. Should I Buy Tokio Marine Travel Insurance?

Tokio Marine’s TM Xplora Plus is actually a solid travel insurance plan with great coverage at a reasonable price for both medical expenses and travel mishaps, even if you’re taking part in adventure sports. Its biggest strength is its generous Covid-19 coverage, which is better than what’s being offered by most other plans.

Shopping for travel insurance ? Find out if you really need travel insurance here.

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• Personal Travel World2Cover

For Australians who have the World2Cover and need comprehensive travel insurance that is value for money. Our global coverage, winter sports options, family benefits and simple claims process provides cover that has global coverage and great value.

World2Cover Benefits: 

√ $Unlimited** medical You have $unlimited** medical benefit when travelling overseas

√ Dependent coverage Your children and grandchildren 25 and under are covered when they are travelling with you

√ 24/7 assistance Our Worldwide assistance team is available 24 hours a day – 7 days a week

√ Winter sport and ski cover We offer great winter adventure cover for skiing and snowboarding, check us out

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For more details, please visit the link to our product below:

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 #Limits, sub-limits, exclusions and conditions apply.

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WorldTrips Insurance

WorldTrips – Formerly Tokio Marine HCC

WorldTrips began in 1988 and was one of the first insurers in the world to offer its plans for purchase over the Internet. It has continued to grow its leading technical capacity, and now customers can buy insurance, file claims, check their policy, and get their documents online at any time, day or night. WorldTrips International has a financial strength rating of “A+ (Strong)” from S&P Global Ratings.

WorldTrips is a division of Tokio Marine HCC, which has helped customers for over 140 years. Tokio Marine HCC has offices in countries around the world, including the U.S., Mexico, the United Kingdom and Continental Europe. Its 3,000 employees apply a unique understanding of risk and a passion for underwriting.

WorldTrips insurance plans are with you anywhere you may travel for vacation, study abroad, business and mission trips, or extreme sports adventures.

WorldTrips is one of our Top 10 Travel Insurance Companies .

WorldTrips insurance (formerly Tokio Marine HCC) provides travel medical insurance to international travelers and students so they can receive the best treatment in the case of any accidents or unexpected issues while abroad. Thousands of customers in over 130 countries trust WorldTrips to give them an extra layer of security when they are traveling outside of their home country.

Why Choose WorldTrips Travel Insurance?

Member support.

24/7 Emergency Travel Assistance

Online Policyholder Portal

Members can easily access policy information and submit and track claims through the WorldTrips online policyholder portal for their plan.

Online Provider Search

Within the U.S., members can search for a doctor or hospital in the WorldTrips PPO network using the online provider search. Outside the U.S., members can seek treatment from any provider they want, and WorldTrips offers a curated list of excellent providers in locations around the world.

WorldTrips Comprehensive Travel Medical Plans

A WorldTrips travel insurance plan gives you access to the best doctors, wherever you are. After you have purchased coverage, if you need to find a provider in an unfamiliar location, just call WorldTrips or access their online list of providers to find the right doctor for you.

The plans also offer a number of added benefits for any of life's little hiccups, including emergency travel assistance, lost luggage tracking, emergency cash transfers, legal referrals, translation assistance, medical monitoring, emergency travel arrangements and more. Their customer service representatives offer customer support in a wide array of languages around the world.

Your medical coverage in your home country is often of no help when you're overseas. The Atlas Travel plan gives you protection while you're abroad, providing international travel medical insurance for periods of travel between five and 364 days. It is also customizable, allowing you to choose the right level of coverage to suit your personal needs.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

The Atlas Group insurance plan is available upon request for groups of 5 or more traveling abroad.

If you're studying abroad, you may need insurance to satisfy your visa requirements or your school requirements – and you will want insurance to ensure you are fully covered if any mishaps arise. The StudentSecure international student health insurance plan from WorldTrips provides comprehensive medical coverage for full-time students or full-time scholars studying outside of their home country. With four levels of coverage to choose from, you can find the plan that fits your needs and your budget.

• Provides Medical, Dental, Evacuation and other Benefits
• Keep your coverage when your studies last multiple years
• Medical providers are available in over 130 countries worldwide

The WorldTrips Provider Network

WorldTrips maintains relationships with hospitals, laboratories, and doctors throughout the world. In the U.S., WorldTrips has a vast Preferred Provider Organization (PPO). Throughout the rest of the world, it maintains an extensive list of recommended providers, although you are free to visit any provider you choose. Many of your provider selection decisions will be based on geographical location and provider specialty needs.

Areas of Coverage

Coverage is worldwide, so you can be assured that you are still protected if your travel is multinational. Customers can choose a policy that includes or excludes the United States.

How to Find a Provider

Outside the United States, members can see any doctor they like. WorldTrips also makes it easier to find a provider in an unfamiliar country with an extensive list of international providers. Once you have purchased your plan, to find a provider in your area, go to the WorldTrips website or call +1 (317) 262-2132 (collect calls accepted).

In the United States, members can access doctors and facilities from the robust WorldTrips Preferred Provider Organization (PPO) network. Once you have purchased your plan, call WorldTrips directly at (800) 605-2282 or use their easy online tools to find a provider near you.

US Provider Network

The provider network for members in the United States is contingent on when the medical policy was purchased.

If the member purchased their travel medical policy before July 2019 or the member is an EU resident who purchased a policy before May 2020, their providers are in the First Health International network.

If the member purchased their travel medical policy after July 2019 or is an EU resident who purchased a policy after May 2020, their providers are in the United Healthcare network.

How to File a Claim Inside the US

How to File a Claim Outside the US

WorldTrips Member Services

WorldTrips has customer service specialists available 24 hours a day, seven days a week to help customers in the case of a travel emergency. Their specialists are well-trained, multi-lingual, experienced people that can provide both emergency and travel assistance services.

The Customer Service area on the WorldTrips site also offers the ClientZone. In this area members can download policy documents, file and track claims, update their address, and handle renewal, extension or cancellation of their policy. This area also provides answers for frequently asked questions such as, "Where do I find my certificate ID number?" and "How do I verify the coverage area of my policy?"

WorldTrips' Customer Care Contact Information

• Within the United States: (800) 605-2282 (toll-free)
• Outside the United States: +1 (317) 262-2132 (collect calls accepted)

WorldTrips P.O. Box 2058 Farmington Hills, Michigan 48333-2005

FAQs about WorldTrips Travel Insurance

What type of insurance does worldtrips offer.

WorldTrips offers travel medical insurance and medical insurance for students studying outside their home country.

Their Student Secure plan is ideal for students coming to the USA or for US students studying abroad. The plan is also available for any student traveling abroad from any country excluding Canada and Australia.

The Atlas Travel Medical plan is for all travelers worldwide traveling abroad for 5 days or longer. 

Who is the underwriter for WorldTrips insurance?

WorldTrips’ Atlas Travel Series and StudentSecure international travel medical insurance products are underwritten by Lloyd's.

Does WorldTrips cover pre-existing conditions?

Pre-existing conditions are excluded from WorldTrips coverage. WorldTrips states that it defines pre-existing conditions as any condition:

• for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
• which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
• that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you

Is WorldTrips the new name for Tokio Marine HCC Travel Insurance?

Yes! If you were looking for Tokio Marine HCC Insurance, HCC Medical Insurance Services or HCCMIS, this is the same reliable company you have always known with a new name. The company rebranded its name to WorldTrips.

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• What Is Travel Medical Insurance?

Travel Medical Insurance

Travel medical insurance is a type of international insurance designed to cover emergency health care costs incurred while traveling or vacationing abroad.

Say you’re eating your way through Europe and you come down with a dire case of food poisoning. Depending on the plan you choose, you may be covered for the cost of a local ambulance to transport you to the hospital, your emergency room co-payment, the bill for your hospital room and board, and all other eligible medical expenses.

Already have domestic health insurance? Your domestic health plan may not cover you beyond the borders of your home country. If this is the case—or if very few benefits extend to cover you abroad—then you should consider arming yourself with a travel medical policy.

But don’t just take our word for it—the  U.S. Department of State , the  Centers for Disease Control and Prevention  (CDC), and even your favorite travel bloggers advocate travel medical insurance for global travel. After all, an uninsured injury or illness abroad can result in catastrophic medical bills and a heavy financial burden—both of which can be significantly reduced by the right coverage. 

Let's look at how travel medical coverage differs from domestic healthcare coverage, what types of travel medical benefits are typically included, and what is often excluded from travel medical plans. 

See " Why Buy Travel Medical Insurance? " 

How Does Travel Medical Coverage Differ From Domestic Healthcare Coverage?

Domestic health insurance typically offers pre-existing condition coverage as well as coverage for preventive and wellness care (i.e., annual checkups), emergency care, pregnancy and pediatric care, prescription drugs, mental health services, and more. It covers costs incurred and treated within your home country (and possibly beyond).

Travel medical insurance provides certain travel benefits (see next section) as well as coverage for emergency medical treatment due to unexpected injury or illness incurred outside of your home country. Your standard travel medical policy typically does not cover things like wellness exams, regular prescriptions, or *pre-existing conditions. 

Before you go abroad, check to see whether your domestic plan provides any coverage once you’ve left your home country (many offer limited or no coverage). Even if it does cover you for some things abroad, it’s unlikely to offer many of the important benefits of a travel medical plan, such as   Emergency Medical Evacuation  coverage.    

What Types of Travel Medical Benefits Are Typically Included?

Medical Evacuation Coverage

One of the biggest draws of travel medical insurance is the coverage it can provide for an emergency medical evacuation. Say you’re hiking in a remote region of South America and you fall and become seriously injured. You’re taken to the nearest hospital, but it lacks sufficient equipment or the medical specialists required to properly treat you. An  Emergency Medical Evacuation benefit can cover the cost of transporting you from the emergency facility to a hospital better suited to care for you.

COVID-19 Coverage

Many travel medical insurance plans are now including coverage for medical expenses resulting from COVID-19. All travel medical insurance plans are different so be sure to read the policy documents thoroughly to fully understand how COVID-19 affects your coverage.

Coverages in Case of Death

In cases resulting in death, a Repatriation of Remains benefit can cover the cost of transporting your body back to your home country. Similarly, a Local Burial or Cremation benefit can cover the cost of your burial or cremation in a nearby vicinity.

Many travel medical policies also include an  Accidental Death and Dismemberment  benefit (commonly referred to as AD&D) which, in the event of your death or dismemberment, pays a predetermined amount to you or your beneficiary, regardless of any applicable domestic coverage.

Coverages Due to Unforeseen Circumstances

Depending on the plan you choose, you may receive benefits for expenses resulting from  terrorism , political evacuation, or natural disaster. In the event of your kidnapping, a  Crisis Response  benefit can provide coverage for ransom, personal belongings surrendered, and an experienced crisis response team to negotiate your release.

A Personal Liability benefit can also be beneficial for a trip abroad, as it offers coverage for certain costs for which you are legally liable.

Transportation Coverages Due to Medical Emergency

Your travel medical policy may cover the cost of transporting a family member to your side if you are hospitalized due to medical emergency (Bedside Visit benefit) or medical evacuation (Emergency Reunion benefit).

If you are hospitalized for more than a predetermined number of days, your policy may provide coverage for the safe return home of your children (Return of Minor Children benefit) or your pet (Pet Return benefit).

Travel Assistance Services

Your plan may also come with travel assistance services, such as 24/7 customer service, access to travel alerts and warnings, tracking for lost luggage, lost passport and travel documents assistance, and emergency cash transfers, among others.

Finally, note that some travel medical policies even  include benefits for Trip Interruption, Lost Checked Luggage, and Travel Delay.

What Is Excluded From Coverage?

Certain types of medical expenses are excluded from most travel medical policies. Here are 6 of the most frequent exclusions to keep in mind:

• Pre-existing conditions*
• Routine medical examinations and care (i.e. wellness exams, ongoing prescriptions, etc.)
• Routine pre-natal, pregnancy, childbirth, and post-natal care
• Medical expenses for injury or illness resulting from participation in some extreme sports
• Medical expenses related to any form of cancer or neoplasm
• Mental health disorders
• Injury due in whole or in part to the effects of intoxication or drugs (this does not refer to drugs taken in accordance with treatment prescribed by a physician)

Be sure to read the policy documents for any plan you’re considering before you make the purchase. While reading the entire document front to back can be tedious, it’s better to know what’s excluded before you attempt to make a claim.

*A pre-existing condition is any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

Are There Different Types of Policies?

Certainly! After all, a business professional that travels to Europe ten times a year requires a different type of policy than a group of missionaries taking a six-month trip to South America.

In order to accommodate your individual needs, travel medical policies are typically structured in one of five ways:

1. Single-trip plan – This is a standard plan that provides coverage for the duration and destination(s) you specify for a single trip abroad.

Note:  A single-trip plan may be offered in different levels of coverage to fit your unique budget. For example, WorldTrips offers its popular  Atlas Travel  insurance in two additional coverage levels:  Atlas EssentialTM  (for budget travelers) and Atlas PremiumTM (for elite travelers).

2. Multi-trip plan  – This plan covers  multiple international trips  throughout a one-year (or other specified) period. 3. Group plan  – This plan allows you to insure  a group of people  (typically 5 or more) under one policy, often at a discounted rate. 4.  Long-term plan  – Long-term travelers and expatriates can purchase a travel medical plan or a travel major medical plan, depending on their priorities and length of travel. 5.  Student plan  – Students can purchase international student health insurance to cover them as they study abroad.

Note:  Student plans are frequently offered in a variety of plan levels to ensure you find the coverage you may need at a price you can afford. For example, WorldTrips offers its StudentSecure® plan in 4 levels:

1. StudentSecure Elite 2. StudentSecure Select 3. StudentSecure Budget 4. StudentSecure Smart

What’s the Difference Between Travel Medical Insurance and Trip Cancellation Insurance?

Travel medical insurance may include supplemental travel benefits (i.e., Trip Interruption, Lost Checked Luggage, or Travel Delay), but its primary function is to protect you in cases of unexpected illness or injury that might occur abroad.

Travel medical insurance accomplishes this by providing an array of medical benefits and access to quality emergency care.

Trip Cancellation Insurance

Trip cancellation insurance  is a type of travel insurance that features the primary benefit of Trip Cancellation coverage. It applies when your trip is cancelled due to a specific, unforeseen, and covered reason. Your pre-paid and non-refundable trip expenses may be covered for reasons such as:

• A licensed physician deems you unfit to travel due to an unexpected illness or injury,
• A non-traveling family member is hospitalized or passes away,
• Common carrier issues or weather result in a cancelled flight,
• Natural disasters occur unexpectedly at home or at your destination, or
• A legal obligation, such as jury duty, requires you to remain in your home country.

In addition to Trip Cancellation coverage, trip cancellation plans often include other travel related benefits like:

• Travel Delay
• Missed Connection
• Change Fee Cancellation
• Loyalty/Frequent Flyer Miles

Some – not all – trip cancellation plans feature a limited amount of coverage for emergency medical expenses, though typically not as much as a travel medical insurance plan.

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WorldTrips is a service company and a member of the Tokio Marine HCC group of companies.

WorldTrips’ Atlas Travel Series and StudentSecure international travel medical insurance products are underwritten by Lloyd's. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.

WorldTrips' Atlas Journey, Atlas Cruiser, and Atlas On-The-Go trip protection insurance products are underwritten by Tokio Marine HCC's U.S. Specialty Insurance Company (USSIC). USSIC is a Texas-domiciled insurance company operating on an admitted basis throughout the United States. Coverage is available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. Coverage may not be available in all states.

In the State of California, operating as WorldTrips Insurance Services. California Non-Resident Producer License Number: 0G39705

TM Xplora Travel Insurance

• 1 Trip Details
• 2 Plan Selection
• 3 Your Details

Please refer the notice on our website here .

What is travel insurance (tm xplora).

Travel Insurance (TM Xplora) is our commitment to let you travel the world, and be protected from major emergencies, as well as offering assurance against common travel inconveniences. As the region's travel and tourism industry booms, it's important that you are not caught off guard by accidents and mishaps, which could derail all your planning efforts.

Two types of travel insurance plans, catering to different needs.

Premier (travel Insurance): Offers an unparalled level of protection for total peace of mind.

Classic (travel Insurance): Caters to the traveller who would rather dedicate more of his funds on his experiences

Insured: Adult who is a person between 18 to 79 years of age next birthday.

"Single Trip" Family: Travel Insurance (TM Xplora) covers 1 or 2 adults travelling with at least one children. The 2 adults may not be related but each child must be related to either of the insured adults. The family must travel and return together.

"Annual Trip" Family: Travel Insurance (TM Xplora) covers Insured's legal spouse and their legal children

�Group�: Travel Insurance (TM Xplora) covers the insured person and their travelling companion(s) whose names must be declared and age must be between 21 and 70 years old (inclusive).

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Any 1 or 2 adults travelling with any number of children.

The 2 adults need not be related but the children must be the legal child, grand child, brother, sister, nephew, niece or cousin of either of the adults. The family must travel and return together.

Insured's family comprises of the insured's legal spouse and their children. The child/children covered as named in the scheduled must be accompanied by an adult inseured person in each trip

Individual refers to an adult who is a person between 18 to 79 years of age next birthday.

Family means :

1) For Single Trip policies, family refers to:

- one (1) or two (2) adults travelling with at least one accompanied child.

- The two adults need not be related, but the child(ren) must be the legal child or ward in the case of a legal guardian, grandchild, siblings, nephew, niece or cousin of either one of the adults.

- You must depart from and return to Singapore together at the same time as a family.

2) For Annual Cover policies, family refers to:

- a legal family nucleus of up to 2 adult persons with unlimited number of children who is/are related to one of the adult person by legal adoption or biological kinship.

- The child/children covered as named in the schedule must be accompanied by an adult insured person in each trip.

3) Child covered under family plan refers to one above the age of 6 months and below 25 years old (between 21 and 25 years provided they are full time studying in a recognized institution of higher learning).

Group refers to Insured Persons and their travelling companion(s) whose names must be declared and age must be between 21 to 70 years (inclusive).

When are you going?

Malaysia, Thailand, Indonesia, Brunei, Philippines, Vietnam, Laos, Myanmar, Cambodia, China (including Inner Mongolia), Hong Kong, Macau, Japan, Taiwan, South Korea, India, Sri Lanka, Australia and New Zealand

Countries as defined above in Zone A and the rest of the world (*excluding Afghanistan, Cuba, Congo, Iran, Iraq, Liberia, Sudan, Syria and Ukraine)

*The above list of excluded countries is not exhaustive and may be updated from time to time. Do check with Tokio Marine Insurance Singapore office for updates if you are unsure.

Note: All trip must originate from and back to Singapore. Single Trip plans allow for trips lasting 183 consecutive days. Annual plans allow trips lasting 90 consecutive days.

Tokio Marine Travel Insurance

Tokio Marine travel insurance will protect and cover you whether you are traveling abroad or within Malaysia. As a result, you will be able to travel in peace, knowing that if an emergency arises, this coverage will protect you.

What is travel insurance?

Travel insurance is a type of coverage that protects you and your family from various risks while traveling in Malaysia or overseas. It usually covers medical expenses, lost luggage, flight cancellations, and other losses that a traveler may incur while on the road. Travel insurance will be available for one-way, round-trip, and annual trips, both domestic and overseas.

About Tokio Marine

Tokio Marine is a Japanese insurance company that first appeared in Malaysia in 1957 when Tokio Marine and Fire Insurance Company Limited (TMF) began its underwriting business, and the operation was established in 1974. Tokio Marine Insurans (Malaysia) now has over 19 branches throughout the country and is committed to providing innovative and competitive insurance.

Why should I choose Tokio Marine travel insurance

The reason you should choose Tokio Marine travel insurance is that they provide a variety of benefits in a single policy and have a variety of travel insurance options such as

Travel Personal Accident

Domestic travel plus, tokio marine explorer, tokio marine annual explorer, how do i contact tokio marine for further information.

If you have any inquiries about Tokio Marine travel insurance, please contact at 03-7628 3877 / 03-7841 5770 or E-mail via [email protected]

I am not a Malaysian. Is it possible for me to purchase the plan?

Tokio Marine travel insurance only applicable to Malaysian, Malaysian Permanent Resident, Work Permit Holder, Employment Pass Holder or otherwise legally employed in Malaysia and/or his/her legal Spouse and Child/Children.

What are the types of products they have for travel insurance?

Tokio marine provides four (4) types of travel insurance products:

Eligible age for the plan?

Age limit – 2 years old to 70 years old

Age limit – 30 days to 80 years old with no limit on a number of children under family coverage

Age limit – Between 18 years old and 75 years old

• Individual Age limit – Between 30 days old and 85 years old
• Family Age limit – A fully-dependent child is defined as a person aged 30 days to under 18 years old or up to 23 years old who is studying full-time in Malaysia

When is the period of the coverage?

• Travel Personal Accident – Based on your traveling period
• Domestic Travel Plus – Travel coverage from 1 day up to 90days
• Tokio Marine Explorer – The maximum number of days allowed per journey or trip is 180 consecutive days from the date of departure.
• Tokio Marine Annual Explorer – The maximum number of days allowed per journey or trip is 90 consecutive days from the date of departure

Is it possible for me to make a nomination for this plan?

Yes. You can nominate the person or representative that you have chosen for all Tokio representant insurance plans.

If I’m holding a one-way ticket, am I eligible to purchase this plan?

Yes. You are eligible to purchase a Tokio Marine travel insurance plan.

What is the procedure for canceling my coverage and receiving a refund of the premium paid?

The cancellation procedure may differ depending on the type of coverage plan you select

• Travel Personal Accident & Tokio Marine Annual Explorer

You may cancel your policy by providing them with written notice. You have entitled to a refund of the premium less the premium based on their short period rates for the period the policy was in force, subject to the minimum premium retained by them

• Domestic Travel Plus & Tokio Marine Explorer

Who do I contact for emergency assistance or if I need to be admitted to a hospital while overseas?

You can contact Tokio Marine 24 hours Auto Assist Hotlines at 03-7628 3877 / 03-7841 5770 or Email via [email protected]

What does Tokio Marine travel insurance cover?

The following are the Tokio Marine travel insurance policies that will cover each product selection:

• Death And Permanent Disablement
• Medical Expenses
• Personal Accident
• Daily Hospital Allowance (due to Accident)
• Personal luggage and Personal effects
• Travel Delay
• Repatriation Expenses of Mortal Remains
• Compassionate Allowance due to Kidnap

Tokio Marine Explorer & Annual Explorer

• Repatriation Of Mortal Remain Or Overseas Burial/Cremation
• Medical And Related Expenses
• Emergency Medical Evacuation
• Travel Cancellation Or Postponement
• Additional Costs Of Rental Car Cover

Click here to see more coverage/benefits you can received.

What are other benefits under Tokio Marine travel insurance?

• Available in basic and premier plans
• Inbound Tourists traveling within Malaysia are covered
• Hazardous Water Activities coverage for medical expenses incurred as a result of an accident while participating in hazardous water activities
• Terrorism Cover for death or bodily harm caused by a terrorist act
• Accidental Death & Permanent Disablement
• Repatriation or Overseas Burial/Cremation
• Travel Curtailment or Disruption
• Golfers Cover
• Trauma Care
• Extreme Activities (with additional premium)

What adventurous activities are covered?

The adventurous activities are covered such as

• Winter activities – Skiing, sledding, snowmobiling, ice skating, snowboarding, and more
• Aerial Activities – Bungee jumping, hang-gliding, parachuting, and more
• Water Activities – Parasailing, jet skiing, canoeing & rafting (Class 1 to 3)

What countries does your policy cover?

The journey must begin in Malaysia and must remain within Malaysia.

Australia, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Malaysia (from Peninsular Malaysia to East Malaysia or vice versa), Maldives, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand, and Vietnam

• Area 2 (Worldwide)

EXCLUDING – United States of America, Canada, Tibet, Nepal, North Korea, Syria, Cuba, Iran, Iraq, Liberia, Sierra Leone, Crimea, and Sevastopol

• Area 3 (Worldwide)

What are some of the policy’s general exclusions?

This policy does not cover death or injury caused by or due to

• War and allied risks
• Radioactive and nuclear weapon material accidents
• Suicide (whether sane or insane) or any attempt thereat
• Intoxicating liquor or drug not prescribed by qualified registered medical practitioner
• Illness, diseases, infections
• Criminal acts

There are a few more general exclusions that you should be aware of.

How much do I have to pay for Tokio Marine travel insurance?

The premium you must pay will vary depending on the plan you choose, the duration of coverage, and the destination.

Can I pay for Tokio Marine travel insurance on an installment basis?

Unfortunately, you are unable. The premium must be made and received by them before coverage begins.

How do I make a claim for Tokio Marine travel insurance?

When you are in unexpected circumstances, you must follow five (5) steps in order to file a claim:

• Notify Tokio Marine

You must notify Tokio Marine in writing as soon as possible, within the time frame specified in your policy, with full details of the incident/accident

• Lodge a police report

If the loss or damage involves the theft of personal luggage/personal money/travel documents/personal effects and/or an accident, lodge the police report within 24 hours

• Contact travel assistance

Contact Tokio Marine 24-hour worldwide assistance (Medical assistance, Travel assistance) at 603-7628 3877/ 603-7841 5770

• Notify airline

Report to the carrier if your luggage is late or lost

• Submit claim

I think I’m ready to buy. What’s the best way to purchase my travel insurance?

Our user-friendly website is the best place to buy your travel insurance. You can compare and select the best travel insurance policy for your needs and budget.

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Top 10 Digital Nomad Travel Insurance Plans (2024)

A re you a digital nomad looking for the best travel insurance at the best price? You’re in the right place. I’ve been a digital nomad for over a year. I know how important travel insurance is.

I also know that, while this isn’t something to skimp on, you also don’t want to overpay. It’s a tricky balance.

I’m a huge over-planner and I’ve thoroughly researched travel insurance. Every year when my policy expires, I re-check the options to make sure I’ve got the best plan.

Don’t have time to read all this and just want the bottom line? My number one favorite travel insurance is SafetyWing . They have comprehensive coverage and consistently high ratings.

I’ve had to use my travel insurance more than once. The last time was when my dad was very sick in the hospital and I had to fly to California, losing out on a lot of pre-paid, nonrefundable flights and accommodations.

I’d like to say that story had a happy ending. While it did have a good ending for my dad (he’s recovered and doing great!), I had the wrong type of plan and lost $3,000. My insurance was essentially worthless for what I needed.

I don’t want anyone to have that same experience. I’ve rounded up the 10 best plans so you can choose the one that’s right for you. Learn from my mistakes so you don’t throw your money away.

Pro tip: Bookmark this site for next year. I update it yearly so it always contains the most up-to-date info.

My Top 3 Picks: Digital Nomad Travel Insurance

#1 TOP PICK

No permanent residency required

Comprehensive coverage

Visitors Coverage 98% satisfaction rating

Wide range of coverage options

AIG Travel Guard Variety of plans

Annual plan options

What is Digital Nomad Travel Insurance?

Digital nomad travel insurance is tailored to meet the unique challenges and risks that come with the nomadic lifestyle.

Unlike regular travel insurance, these specialized plans often offer comprehensive medical coverage. This includes not just emergency care but also routine check-ups, dental services, and even mental health support.

But it’s not just about health. These plans also consider the flexibility digital nomads need. Many offer the option to extend your coverage if you decide to stay longer in a destination or even to buy coverage while you’re already abroad.

Some even cover adventurous activities, from scuba diving to mountain climbing, because let’s face it, a digital nomad’s life is never just 9 to 5.

So, while it might not be as thrilling as booking your next one-way ticket, securing the right travel insurance is a must for any digital nomad. It’s not just another item on your to-do list; it’s peace of mind, and that’s priceless.

What Should I Look For in Digital Nomad Insurance?

Okay, you know digital nomad insurance is a must-have. But with so many options out there, how do you pick the right one?

Here’s a breakdown of what you should be looking for in a digital nomad insurance plan:

Worldwide Coverage

You’re a global citizen, and your insurance should be too. Make sure the plan you choose offers worldwide coverage, so you’re protected no matter where your travels take you.

Pre-Existing Conditions

Got a chronic condition or a recurring medical issue? You’ll want a plan that covers pre-existing conditions, so you’re not left in a lurch when you need medical care.

Emergency Assistance

Look for a plan that offers 24/7 emergency assistance. Whether it’s a medical emergency or legal trouble, you want to know there’s a lifeline you can call anytime, anywhere.

Emergency Medical Insurance

Accidents happen, and when they do, you’ll want robust emergency medical coverage. This should include hospital stays, surgeries, and even medical evacuation if needed.

Emergency Evacuation

Speaking of evacuation, make sure your plan covers the cost of getting you to the nearest medical facility in case of an emergency. Trust me, you don’t want to foot that bill yourself.

Trip Cancellations and Delays

Flights get canceled. Plans change. Look for a policy that will reimburse you for any pre-paid, non-refundable travel expenses if you have to cancel or delay your trip for a covered reason.

Baggage Loss

Losing your luggage is a bummer. Choose a plan that offers coverage for lost, stolen, or damaged baggage to save yourself a headache later.

Equipment Protection

As a digital nomad, your laptop and other gadgets are your lifeline. Some plans offer specialized coverage for electronic equipment, so check if that’s an option.

Reasonable Prices

Budget is a big deal when you’re living the nomad life. Compare prices and make sure you’re getting the most bang for your buck. But remember, the cheapest option isn’t always the best.

Quick Insurance Claim Process

Last but not least, check out reviews to see how quickly and easily you can file a claim. The last thing you want during a crisis is a complicated, drawn-out claims process.

Top 10 Digital Nomad Travel Insurance Plans

Let’s jump into the best travel plans for digital nomads. One of these will surely meet all your needs. Many of them also include health insurance for nomads .

1. SafetyWing Nomad Insurance

Overview of safetywing.

SafetyWing is a remote working company that specializes in providing primary health insurance plans for digital nomads and long-term travelers.

If you’ve ditched your health insurance back home to live the nomad life, this is a company you’ll want to know about.

They’re not just a startup; they’re a subsidiary of Tokio Marine, a global insurance giant. So, you’re in safe hands. Their offerings go beyond just medical coverage, extending to non-medical evacuation, trip interruption, and even baggage claims.

SafetyWing aims to build a country-independent social safety net for freelancers and digital nomads. They’ve even expanded their product line to include a complete worldwide primary health insurance called Remote Health.

Safety Wing Pros & Cons

• No Permanent Residency Required : You can get SafetyWing insurance without being a permanent resident of any country.
• Affordable for Younger Travelers : If you’re under 39, the plans are particularly cost-effective.
• Comprehensive Coverage : Apart from medical benefits, you get coverage for trip interruption, lost luggage, and even the return of minor children and pets.
• Flexible Payment : You have the option to pay monthly, making it easier on your wallet.
• Home Country Coverage : Visiting your home country for up to 30 days? You’re still covered, except if you’re a U.S. citizen.
• Private Healthcare : You can choose private doctors and hospitals, giving you quality options.
• Family-Friendly : One child per adult and two children under 10 per family can also be included free of charge.
• Global Reach : Coverage in over 175 countries, so your wanderlust has almost no limits.
• High-Risk Destinations : Some plans even cover high-risk destinations and activities.
• Activity Limitations : Certain activities like mountain climbing, scuba diving, and ice hockey aren’t covered.
• Coverage Cap : The total coverage maxes out at $250,000.
• License Requirements : You need an international scooter license for coverage in case of scooter or motorbike accidents.
• Exclusions : Pre-existing conditions and mental health disorders are not covered.
• Claims Processing : The time it takes to process claims can be long, sometimes stretching into weeks or months.
• U.S. Limitations : While there is some U.S. coverage, it doesn’t meet the Affordable Care Act requirements.

2. Visitors Coverage

Overview of visitors coverage.

Visitors Coverage is a global travel insurance company with its fingers in many pies. Operating in 176 countries, this company is all about giving you options.

Whether you’re a short-term visitor to the U.S., an international traveler, or even a new immigrant, they’ve got a plan for you. They even offer specialized plans like Europe/Schengen Insurance and Immigrant/Green Card Insurance.

Their website is a breeze to navigate, and getting a quote is as simple as clicking a button and answering a few questions. Plus, they’re big on sustainability, partnering with One Tree Planted to contribute to global reforestation.

Visitors Coverage Pros & Cons

• User-Friendly Website : Navigating through their website is a walk in the park. They’ve got separate tabs for insurance plans, travel resources, and contact details.
• Wide Range of Products : From group insurance to trip cancellation and expat health coverage, they’ve got a smorgasbord of options.
• High Customer Satisfaction : With a 98% satisfaction rating and over a million satisfied customers, they’re doing something right.
• COVID-19 Coverage : Having COVID-19 coverage is always a big plus.
• Excellent Customer Service : If you’ve got questions, their customer service staff has the answers. They’re both helpful and knowledgeable.
• Unclear Claim Processing Time : The website doesn’t provide information on how long it takes to process claims, which could be a concern for some travelers.

If you’re looking for an insurance company that offers a wide range of products and has a solid reputation, Visitors Coverage could be a great fit.

I have personally used Visitors Coverage and found their plans to be great and affordable. I haven’t had to file a claim with them so I can’t speak to their processing, but I’d use them again.

3. AIG Travel Guard

Overview of aig travel guard.

AIG Travel Guard is a global insurance company catering to a diverse clientele, including digital nomads and remote workers.

They offer a range of plans, such as the Pack N’ Go plan for last-minute travelers and an annual travel plan for frequent flyers. They also have three comprehensive packages: Deluxe, Preferred, and Essential.

These plans cover everything from trip interruption and baggage protection to emergency evacuation and repatriation of remains.

AIG Travel Guard Pros & Cons

• Variety of Plans : Whether you’re a digital nomad, a business traveler, or someone who loves spontaneous trips, Travel Guard has a plan tailored for you.
• User-Friendly Website : Navigating through their offerings is a breeze, thanks to their well-designed website.
• Easy Subscription : Getting yourself insured is straightforward and hassle-free.
• COVID-19 Coverage : They’ve adapted to the times by including COVID-19 coverage in their plans.
• Annual Plan Option : For those who travel multiple times a year, the annual plan offers essential coverage for each trip, capped at 90 days per trip.
• Limited Global Availability : Despite being a global insurance company, not all their plans are available worldwide.
• 90-Day Cap on Annual Plan : The annual plan is not ideal for long-term travelers as each trip is limited to 90 days.
• Exclusions : The plans come with a list of exclusions, including acts of war and being under the influence of drugs or alcohol.

Travel Guard clearly focuses on providing a variety of plans to suit different travel needs. They also emphasize customer service and have received high ratings from their user base.

So, if you’re a digital nomad or someone who travels frequently for work or leisure, Travel Guard is worth considering. Just make sure to read the fine print and understand the limitations of each plan.

4. Travelex Insurance Services

Overview of travelex.

Travelex Insurance is a travel insurance provider that caters to a wide range of travelers, including digital nomads and remote workers . They offer various plans to suit different travel needs.

The Basic plan covers essential travel protections, while the Travel Select plan is more comprehensive and customizable. They even have a Flight Insurance plan for those who are primarily concerned with flight-related issues.

Travelex Pros & Cons

• COVID-19 Coverage : Travelex offers coverage for COVID-19-related trip cancellations, interruptions, and emergency medical situations.
• Comprehensive Coverage : From trip cancellations and interruptions to emergency medical and evacuation, Travelex has got you covered.
• 24/7 Assistance : Their travel concierge service is available around the clock to assist you with anything from finding hidden gems to dealing with legal issues.
• High Claim Approval : With a 98% claim approval rate, filing an insurance claim with Travelex is not only easy but also quicker than the industry average.
• Long-Term Coverage : The Travel Select plan covers trips up to 364 days and even offers coverage for pre-existing conditions in certain cases.
• Limited COVID-19 Coverage : While they do offer COVID-19 coverage, it may not be as extensive as some travelers would like.
• Additional Costs : Basic services come with an extra charge unless included in your chosen plan.
• High Cost for Comprehensive Plans : The Travel Select plan, while comprehensive, can be pricey due to its extensive coverage and add-ons.

It’s clear Travelex focuses on providing comprehensive insurance options for all types of travelers. They offer a variety of plans and add-ons, making it a flexible choice for those looking for specific types of coverage.

However, the cost can add up quickly if you opt for their more comprehensive plans with additional features. So, if you’re a digital nomad or frequent traveler, Travelex is worth considering, but make sure to weigh the costs and benefits carefully.

5. IMG Global

Overview of img global.

IMG Global is a one-stop shop for all your travel insurance needs, especially if you’re a digital nomad.

IMG Global offers a range of travel insurance packages designed to meet the diverse needs of digital nomads, expats, and adventurous travelers.

Their packages include Global Medical Insurance, which is a medical-only plan, and iTravelInsured Travel Insurance, tailored for those who are active and adventurous.

They also offer specialized plans like the Global Employer Option and International Marine Medical Insurance.

IMG Global Pros & Cons

• Affordable Renewals : Extending your policy with IMG is generally cheaper compared to other insurers.
• Adventure-Friendly : If you’re into extreme sports or adventurous activities, IMG has you covered, even providing a $10,000 search and rescue team if you get lost.
• High Medical Coverage : With up to $500,000 in emergency medical coverage and $1 million for medical evacuation, you’re in good hands.
• No Extra Fee for Cancellation : Their plans include “cancel for any reason” or “interruption for any reason” coverage without additional costs.
• Excellent Customer Service : Customer service is a strong suit for IMG, making your experience smoother.
• Waiting Period : There’s a waiting time before you can submit a claim for lost baggage or trip cancellation, which can be inconvenient.
• Not Primary Coverage : Their health coverage is secondary, requiring you to have primary coverage in your home country .
• Limited Home Country Return : U.S. citizens can’t return home while the policy is active, and other nationals are restricted to a 14-day visit.
• Out-of-Pocket Medical Expenses : They generally don’t directly bill medical providers, so you’ll have to pay upfront and wait for reimbursement.
• Coverage Based on Trip Cost : The extent of your coverage is determined by your planned trip expenditure.

IMG Global offers a variety of plans that can be tailored to your specific needs, but it’s essential to read the fine print and understand the limitations.

Whether you’re a thrill-seeker or a cautious traveler, IMG has something for everyone, but make sure to weigh the pros and cons carefully.

6. Allianz Global Assistance

Overview of allianz.

Allianz Travel Insurance is a well-established player in the travel insurance game. With a variety of plans tailored to different types of travelers, they’ve got something for everyone.

Whether you’re a digital nomad or a frequent business traveler, Allianz offers packages that can be a good fit for your needs.

However, it’s essential to note that their plans are more suited for those who take multiple short trips rather than extended overseas stays.

Allianz Pros & Cons

• Emergency Evacuation Coverage : The Allianz Travel Easy – Oversea Annual plan offers up to $1 million in emergency evacuation, giving you peace of mind when you’re far from home.
• Baggage and Travel Delay : With up to $5,000 for baggage loss or damage and $2,000 for travel delays, you’re well covered for those unexpected hiccups.
• Pre-Existing Medical Condition Coverage : Unlike some other providers, Allianz offers coverage for pre-existing medical conditions, which can be a lifesaver for many travelers.
• Multi-Trip Policy : If you’re someone who takes multiple trips a year, Allianz’s annual or multi-trip plans can be more cost-effective than buying separate policies for each journey.
• Limited Flexibility : Allianz’s packages are fixed, meaning you can’t customize them to fit your unique needs.
• Pricey Plans : While they offer a range of services, their plans are on the higher end of the price spectrum. This is especially true for older travelers .
• Pre-Trip Purchase Required : You have to buy the insurance before you embark on your trip, which might not be convenient for everyone.
• No COVID-19 Coverage : In the current global situation, the lack of medical emergency coverage related to COVID-19 can be a significant drawback.

Allianz offers robust coverage options but comes with its own set of limitations. Make sure to weigh these pros and cons carefully to decide if Allianz is the right travel insurance provider for you.

7. World Nomads Travel Insurance

Overview of world nomads insurance.

World Nomads is a travel insurance provider that’s been in the game since 2002, specializing in coverage for the adventurous and the daring.

With over two decades of experience, they offer policies tailored to individuals who aren’t just tourists but explorers at heart.

Whether you’re a U.S. citizen or hail from another corner of the globe, World Nomads has got you covered.

World Nomads Pros & Cons

• 24/7 Emergency Support : If you find yourself in a pinch, their multi-lingual team is available around the clock to connect you with the medical services and transportation you need.
• Adventure Activity Coverage : World Nomads doesn’t shy away from the extreme. They offer coverage for over 200 adventure activities, making them a go-to choice for thrill-seekers.
• Flexibility On-The-Go : Plans change, and World Nomads gets that. You can purchase additional coverage or even make a claim online during your trip.
• Community Contributions : When you buy a policy, you also have the option to donate to community development projects. It’s a small way to make a big impact in needy destinations.
• Travel Safety Guidance : They don’t just insure you; they inform you. World Nomads offers up-to-date travel safety tips and destination guides to help you navigate your adventures.
• Country-Specific Policies : The coverage can vary depending on your country of residence, so you’ll need to be extra careful when reviewing your policy.
• No Mention of COVID-19 Coverage : In today’s travel landscape, not having specific COVID-19 coverage could be a deal-breaker for some.
• Adventure Activity Limitations : While they do cover a wide range of activities, make sure your particular brand of adventure is on their list.

World Nomads offers a robust set of features for the modern, adventurous traveler. However, it’s crucial to read the fine print and ensure that their coverage aligns with your specific needs and travel plans.

8. Insured Nomads  

Overview of insured nomads.

Insured Nomads is a travel insurance company that’s by nomads, for nomads. With founders who have lived on five continents, this company gets the unique needs of digital nomads, remote workers, and expats.

They offer a range of plans, including both travel insurance and comprehensive health insurance for those living abroad for extended periods. Whether you’re on a short-term trip or planning to live overseas, Insured Nomads has got you covered.

Insured Nomads Pros & Cons

• Global Network : With access to over a million healthcare providers and 8,000 clinics and hospitals worldwide, you’re never far from quality care.
• Telemedicine Services : Need a quick consult? Their telemedicine services have you covered, offering a modern approach to healthcare.
• Instant Reimbursement : Cash flow is king, especially when you’re abroad. Insured Nomads offers instant reimbursement, so you’re not left hanging.
• 24/7 Crisis Response : Real-time alerts and emergency assistance are available around the clock, making sure you’re always in the know and in good hands.
• Adventure Sport Option : For the adrenaline junkies, there’s an add-on for adventure sports coverage.
• Comprehensive Coverage : Their “Preferred Plus” option offers coverage up to a whopping USD 5,672,125.00.
• COVID-19 Coverage : Having COVID-19 coverage is a big plus.
• Pre-Existing Conditions : If you have any, you might face some coverage restrictions, so read the fine print carefully.
• Minimum Length : The minimum insurance length is one year, which might not suit everyone’s travel plans.
• Price Tag : While they offer comprehensive coverage, their plans are on the pricier side compared to some competitors.
• Extreme Sports Limitation : If you’re into extreme sports, you might find the coverage lacking unless you opt for the adventure sports add-on.

Insured Nomads offers a robust set of features tailored for the modern traveler but comes with a few caveats. Make sure to weigh these pros and cons to see if they’re the right fit for your globetrotting lifestyle

9. AARDY Travel Insurance

Overview of aardy travel insurance.

AARDY Travel Insurance is not your typical insurance provider; it’s a comparison platform that brings multiple insurance options to your fingertips.

It’s designed to save you time, money, and the headache of sifting through countless options. With a 5-star rating on Trustpilot and a host of reputable insurance partners, AARDY aims to make your travel insurance shopping easier.

Pros and Cons of AARDY

• User-Friendly Interface : The platform is designed to be intuitive, making it easy for even first-time users to navigate.
• Wide Range of Options : Whether you need travel medical insurance, trip cancellation coverage, or health insurance, AARDY has got you covered.
• Quality Partners : AARDY collaborates with well-known insurance companies, ensuring that you get reliable and comprehensive plans.
• Tailored Plans : The platform curates plans based on your specific needs, so you’re not paying for coverage you don’t need.
• Time-Saver : No need to scour the internet for options. AARDY brings them all to one place, saving you valuable time.
• Educational Resources : The platform offers informative articles and resources to help you make an informed decision.
• Multiple Contact Options : Unlike some platforms that offer only email support, AARDY provides a direct contact number and live chat, making customer service more accessible.
• Limited Company Choices : While AARDY does offer over 30 plans, these come from a select group of 5 or 6 leading insurance companies, which may limit your options.
• Customer Service Delays : The platform does offer a contact number, but some users have reported delays in getting through to a representative.
• Browser Compatibility Issues : Some users have noted that the website doesn’t function optimally on all internet browsers, particularly Google Chrome.

In summary, AARDY Travel Insurance offers a convenient and efficient way to compare and purchase travel insurance plans. However, be mindful of the limited range of insurance companies and potential customer service delays.

10. Integra Global

Overview of integra global.

Integra Global is a go-to for digital nomads seeking long-term, comprehensive international health insurance.

Unlike typical travel insurance that covers lost luggage or trip cancellations, Integra Global focuses solely on medical coverage. And we’re not just talking about emergency care; they also cover routine health exams, dental services, mental health, and even chronic conditions.

If you’re a digital nomad looking for something more than just emergency medical coverage, Integra Global might be your match.

Integra Global Pros & Cons

• COVID-19 Coverage : They offer coverage for COVID-19, although conditions do apply. So, make sure to read the fine print.
• Flexible Deductibles : Once you’ve paid your yearly deductible, you’re covered 100%. You can choose your deductible, ranging from around $1,000 to as high as $5,000, to fit your budget.
• Freedom to Choose Providers : Integra Global doesn’t tie you down to specific hospitals or doctors. You can get treated by any licensed medical provider.
• Pre-existing Conditions : For an additional cost, you can get coverage for pre-existing conditions. That’s a rarity in the insurance world.
• Comprehensive Medical Coverage : They offer a much higher amount of medical expenses per year compared to standard travel insurance plans.
• No Travel Benefits : If you’re looking for lost luggage or trip cancellation coverage, you’ll need to purchase separate travel insurance.
• Long-Term Commitment : Policies are available only for a year or more, so it’s not ideal for short-term travelers.
• No Direct Billing : You’ll have to pay medical providers upfront and wait for a reimbursement, which can take up to 10 days.
• Cost Considerations : While the coverage is comprehensive, remember that the pricing is for medical insurance only. It’s more like a health plan you’d have at home, including wellness visits and routine check-ups.

So, if you’re a digital nomad planning to be on the road for an extended period and want comprehensive healthcare coverage, Integra Global is worth considering.

Frequently Asked Questions: Digital Nomad Travel Insurance

Do digital nomads need travel insurance.

Yes, it’s highly recommended for digital nomads to have travel insurance. The lifestyle of a digital nomad involves various risks, from health emergencies to trip cancellations and equipment loss. Having specialized insurance ensures you’re covered for these unexpected events.

Do digital nomads need health insurance?

Yes, digital nomads should have health insurance for comprehensive medical coverage while abroad. Regular travel insurance often lacks extensive health benefits, so specialized digital nomad health insurance is advisable for long-term stays .

What Does Digital Nomad Travel Insurance Cover?

Digital Nomad Travel Insurance typically covers emergency medical expenses, trip cancellations, and baggage loss. Some plans also offer coverage for pre-existing conditions, emergency evacuation, and equipment protection.

Will airlines compensate me for lost or delayed luggage?

Airlines may offer compensation for lost or delayed luggage, but the amount and conditions vary by carrier and are often limited.

Is travel insurance worth it for international travel ?

Travel insurance is crucial for international travel. It covers unexpected medical emergencies, trip cancellations, and baggage loss, saving you from hefty out-of-pocket expenses.

What does worldwide coverage mean?

Worldwide coverage means that your insurance policy will cover you no matter where you are in the world .

Does travel insurance cover pre-existing conditions?

This varies by policy. Some digital nomad travel insurance plans do cover pre-existing conditions, but there may be limitations or waiting periods. Always read the fine print and ask questions before purchasing.

What is emergency assistance?

Emergency assistance is a service provided by the insurance company that offers 24/7 support for emergencies. This could be anything from medical emergencies to legal troubles.

How does emergency medical insurance differ from regular health insurance?

Emergency medical insurance specifically covers unforeseen medical emergencies during your travels, such as accidents or sudden illnesses. Regular health insurance may not cover you outside your home country or for travel-related incidents.

What is emergency medical evacuation coverage?

This covers the cost of transporting you to the nearest medical facility in case of a medical emergency.

Final Thoughts: Digital Nomad Travel Insurance

Now that we’ve taken a deep dive into the world of digital nomad travel insurance it’s clear there are a lot of options out there.

After trying a few different travel insurance providers, my top pick is SafetyWing Insurance. They’ve consistently received high ratings and offer a variety of plans that cater to the unique needs of digital nomads like us.

From personal experience, I can tell you that having the right travel insurance is a game-changer. But here’s the kicker—you’ve got to read the fine print. I learned this the hard way.

When I first dipped my toes into the digital nomad lifestyle, I bought an annual policy thinking I was all set. What I didn’t realize was that it only covered trips up to 30 days. So, when I had to file a claim because my dad got sick, it was denied.

Why? Because I was away from home for four months. My one “trip” exceeded the 30-day limit, making my policy pretty much useless for my digital nomad lifestyle.

Yep, this was all in the policy information. It was entirely my own fault.

So, take it from someone who’s been there—make sure you know exactly what you’re getting into before you hit that “purchase” button. Trust me, it’ll save you a lot of headaches down the road.

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• Digital Nomad Equipment & Gear
• Navigating the World of Digital Nomad Housing

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