Free Nomad Health Insurance Finder (+ Guide)
A free nomad health insurance finder that shows what each plan costs at your age and where you live, and what it covers, checked against your visa's rule.
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by Navid Moazzez·Updated Oct 2, 2026·4 min read·Navid.me is reader-supported. When you buy through links on this site, I may earn an affiliate commission. Learn more.Embed this tool on your site
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This free nomad health insurance finder shows what each plan costs you, by your age, and what it covers, side by side.
Enter your age and where you live, say whether you'll spend time in the US, and pick the visa you're applying for if you need one. You'll see 12 plans from SafetyWing, Genki, World Nomads, Heymondo, Ekta and IMG, with the price for you, the cover limit, the deductible and what each leaves out.
Travel medical or full health insurance?
Travel medical insurance covers new, unexpected illness and injury while you travel. It's cheaper, and it's what most nomads start with: SafetyWing Essential, Genki Traveler, World Nomads, Heymondo Long Stay, Ekta and IMG Patriot.
Full health insurance also covers routine care and keeps going long-term, like the cover you'd have at home. It costs more: SafetyWing Complete and Genki Native.
What nomad insurance costs by age
Nomad Insurance Essential- At 25
- $62.72 per 4 weeks
- At 45
- $102.76 per 4 weeks
- At 65
- $218.96 per 4 weeks
- At 25
- $177.50 a month
- At 45
- $253.50 a month
- At 65
- Not available
Genki Traveler- At 25
- €52.50 a month
- At 45
- €79.80 a month
- At 65
- €168.30 a month
- At 25
- €198.00 a month
- At 45
- €324.00 a month
- At 65
- Not available
World Nomads Standard- At 25
- $162.69 for 30 days
- At 45
- $162.69 for 30 days
- At 65
- $162.69 for 30 days
- At 25
- $307.04 for 30 days
- At 45
- $307.04 for 30 days
- At 65
- $307.04 for 30 days
Heymondo Long Stay- At 25
- $296.01 for 90 days
- At 45
- $296.01 for 90 days
- At 65
- Not available
Ekta Start- At 25
- $47.14 for 30 days
- At 45
- $47.14 for 30 days
- At 65
- $47.14 for 30 days
- At 25
- $83.33 for 30 days
- At 45
- $83.33 for 30 days
- At 65
- $83.33 for 30 days
- At 25
- $280.95 for 30 days
- At 45
- $280.95 for 30 days
- At 65
- $280.95 for 30 days
IMG Patriot International Lite- At 25
- $34.88 for 30 days
- At 45
- $67.13 for 30 days
- At 65
- $173.63 for 30 days
- At 25
- $65.63 for 30 days
- At 45
- $133.50 for 30 days
- At 65
- $332.63 for 30 days
Prices are from each insurer's own calculator on September 29, 2026, for one person with the default choices. World Nomads and Heymondo price by where you live, so their prices here are for someone living in the US. Pick your own country in the finder.
Where you live changes the price
Some insurers price by your country of residence, and some don't sell everywhere. Here's the same 30-day World Nomads Standard trip to Thailand at 30:
The US- Thailand
- $162.69 for 30 days
- Thailand and the US
- Your home country
The UK- Thailand
- £145.46 for 30 days
- Thailand and the US
- £295.55 for 30 days
Canada- Thailand
- CA$262.92 for 30 days
- Thailand and the US
- CA$291.05 for 30 days
Australia- Thailand
- A$244.42 for 30 days
- Thailand and the US
- A$377.22 for 30 days
Germany- Thailand
- €128.22 for 30 days
- Thailand and the US
- €224.89 for 30 days
Panama- Thailand
- $196.14 for 30 days
- Thailand and the US
- $278.87 for 30 days
Heymondo prices Long Stay in dollars or euros, depending on where you live: $161.53 or €138.06 for its first 90 days. SafetyWing, Genki, Ekta and IMG charge the same wherever you live.
What each plan does in the US
Health care in the US is expensive, so many nomad plans leave it out, charge more for it or limit it:
- SafetyWing Essential – US cover is an add-on: $116.20 every 4 weeks instead of $62.72 at 30
- SafetyWing Complete – the US comes with Hong Kong and Singapore as an add-on
- Genki Traveler – the US and Canada are covered for emergencies only, for the first 7 days of each stay, unless you add more
- Genki Native – cover in the US is limited
- World Nomads – the US costs extra: add it to your trip
- Heymondo Long Stay – the world with the US costs $296.01 instead of $161.53 for 90 days
- Ekta – its worldwide price already includes the US
- IMG Patriot – it covers the world except the country you live in, so the US is in it unless you live there
Does it meet my visa's insurance rule?
Many digital nomad visas ask for health insurance, and some name a minimum amount. Italy and Romania ask for at least €30,000, Latvia for €42,600, and Thailand's Long-Term Resident visas for USD 50,000.
Pick your visa in the finder to see its rule next to each plan, and whether the plan's cover limit meets the minimum. The rules come from each government's own page, in the digital nomad visa finder.
How to use the nomad health insurance finder
Your picks stay in this browser.
Who is the nomad health insurance finder for?
It's for anyone living or working abroad, and each of them has a next step:
- Digital nomad visa finder – anyone choosing a visa and its insurance rule
- eSIM finder – anyone getting mobile data for the trip
- VPN compared – anyone working online from abroad
More travel tools are on the free travel tools page. Or browse all my free tools.
Nomad Health Insurance FAQs
Questions about health insurance as a nomad? Here's what to know.
At 30, SafetyWing Essential costs $62.72 every 4 weeks and Genki Traveler €63.90 a month.
Full health insurance costs more: Genki Native Basic is €198 a month at 30.
Often not in full: SafetyWing sells US cover as an add-on, World Nomads and Heymondo charge more with it, and Genki limits it.
Ekta's worldwide price includes the US, and IMG Patriot covers it unless you live there.
Travel medical insurance covers new, unexpected illness and injury while you travel.
Full health insurance also covers routine care and keeps going long-term.
SafetyWing's plans and Heymondo don't, and Genki Traveler excludes conditions treated or diagnosed in the year before.
IMG Patriot covers a sudden flare-up if you're under 70, and Genki Native looks at them case by case.
It depends on the visa: some only ask for health insurance, others name a minimum or where it must be valid.
Pick your visa in the finder to see its rule next to each plan.
Heymondo Long Stay stops at 49, Genki Native at 55, SafetyWing Complete at 64, and Genki Traveler and SafetyWing Essential at 69.
Ekta says any age up to 100, and IMG Patriot quoted every age up to 99.
For some insurers, yes: World Nomads prices by your country of residence and doesn't sell to every country, and Heymondo prices in dollars or euros depending on where you live.
SafetyWing, Genki, Ekta and IMG charge the same wherever you live.
I did. I'm Navid Moazzez, and the nomad health insurance finder is one of my free tools on navid.me.
Read about me, or see my creator profile.
Navid Moazzez
AI business strategist
Navid Moazzez helps creators and founders master AI and build their own AI Operating System (AI OS) to automate their business and life.
Navid.me is reader-supported. When you buy through links on this site, I may earn an affiliate commission. Read the affiliate disclaimer.
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