Is visitor insurance the same as expat health insurance for nomads?

No — they're different products. Visitor insurance covers emergency medical events. Expat health insurance covers comprehensive care including routine visits, prescriptions, and preventive care. For nomads focused on emergency coverage at low cost, visitor insurance is the right choice. For those who want full health coverage including routine care, expat insurance (significantly more expensive) is the alternative.

What is the maximum trip duration per year on an annual plan?

Annual plans specify a maximum duration per individual trip — not a maximum total days per year. A nomad making 12 consecutive month-long stays in different countries (each under the 30-day max) would be continuously covered. If a single stay exceeds the per-trip maximum, coverage may lapse for the excess days.

Am I covered in my home country when I briefly return?

Coverage typically applies only when you are traveling outside your home country. Days spent in your home country do not count against your trip duration, but you are also not covered for medical events in your home country under visitor insurance.

Can nomads get coverage for mental health support abroad?

Emergency psychiatric hospitalization is covered under standard emergency medical provisions. Routine therapy, counseling, or ongoing mental health management is not covered. For nomads who want ongoing mental health support, a separate telehealth subscription is the practical solution.

How does the annual plan handle countries with different risk levels?

Annual plans cover all included destinations at a single flat premium — you don't pay more for traveling to Japan (expensive healthcare) vs. Mexico (lower cost). The premium reflects the average risk across typical travel destinations.

📅Annual Multi-Trip Coverage · Digital Nomads & Remote Workers

Annual Travel Insurance for Digital Nomads

Year-round emergency medical coverage for nomads working from anywhere in the world.

Worth it if you travel: Continuous or near-continuous international travel

Compare Annual Plans →

Digital nomads don't travel occasionally — they live internationally. Standard health insurance from a home country rarely covers ongoing international residence. Annual travel insurance provides the emergency medical coverage layer that nomads need, at a fraction of the cost of expat health insurance, with the flexibility to move between countries freely.

What's Covered on Every Trip

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Emergency Medical Anywhere in the World

Emergency hospitalization, ER visits, and specialist care in any covered country — no need to specify destination in advance for most annual plans.

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Emergency Medical Evacuation

Air ambulance to the nearest appropriate medical facility — critical for nomads spending time in regions with limited healthcare.

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Unlimited Country Changes

Annual plans cover travel to multiple countries throughout the policy year — ideal for nomads who move between destinations every 1–3 months.

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Acute Onset Pre-existing Conditions

Same acute onset coverage available on single-trip plans — applies on every trip throughout the annual policy year.

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24/7 Global Assistance

One emergency contact number that works everywhere — the same medical team regardless of which country you're currently in.

Annual vs. Single-Trip: Cost Comparison

Annual wins when you take Continuous or near-continuous international travel

Scenario	Single-Trip Cost	Annual Plan	Savings
Nomad age 25, continuously traveling	Individual trip policies: impractical for continuous travel	$120–$200/year (365-day single plan)	Annual plan is the only practical option
Nomad age 35, 8 destinations/year	$28–$52 × 80 days = $2,240–$4,160 if buying per trip	$160–$260/year	Saves $2,080–$3,900/year
Nomad couple age 30+30, multiple moves	Impractical per-trip purchasing	$320–$520 for both/year	Dramatically lower than trip-by-trip
Nomad age 45, 6 countries/year	$50–$90 × 60+ days = $3,000–$5,400 per-trip	$200–$320/year	Saves thousands annually