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Guía de seguros de viaje
Compara los mejores seguros de viaje y de salud para nómadas digitales. Cobertura, precios y valoraciones de nómadas de más de 12 proveedores en todo el mundo, uno al lado del otro.
12 proveedores Desde €30/mes 7 regiones
✈️Travel Medical🏥Health Insurance🔄Hybrid
Genki World Explorer
✈️ Travel Medical📅 Monthly
Rango de precio
€35–105/mo
Cobertura máx.
€5000k
Franquicia
€0
Europe-based nomads who want affordable zero-deductible travel medical with mental health coverage
PreexistentesSalud mentalDentalAventuraEquipoTelemedicina
SafetyWing Nomad Insurance
✈️ Travel Medical📅 Monthly
Rango de precio
€42–80/mo
Cobertura máx.
€230k
Franquicia
€230
Budget-conscious nomads who need basic travel medical coverage with maximum flexibility
PreexistentesSalud mentalDentalAventuraEquipoTelemedicina
Ekta
✈️ Travel Medical📅 Monthly
Rango de precio
€30–85/mo
Cobertura máx.
€500k
Franquicia
€0
Budget nomads in Europe who need visa-compliant travel insurance at the lowest price
PreexistentesSalud mentalDentalAventuraEquipoTelemedicina
World Nomads
✈️ Travel Medical🧳 Per Trip
Rango de precio
€65–150/mo
Cobertura máx.
€2500k
Franquicia
€100
Adventure-loving nomads who need equipment coverage and high activity coverage limits
PreexistentesSalud mentalDentalAventuraEquipoTelemedicina
Insured Nomads
🔄 Hybrid📅 Monthly
Rango de precio
€65–180/mo
Cobertura máx.
€1000k
Franquicia
€0
Digital nomads who want an all-in-one package with mental health, equipment, and cybersecurity tools
PreexistentesSalud mentalDentalAventuraEquipoTelemedicina
Genki Resident
🏥 Health Insurance📅 Monthly
Rango de precio
€95–260/mo
Cobertura máx.
€5000k
Franquicia
€0
Long-term nomads based in Europe wanting proper health insurance with preventive care
PreexistentesSalud mentalDentalAventuraEquipoTelemedicina
SafetyWing Remote Health
🏥 Health Insurance📅 Monthly
Rango de precio
€160–350/mo
Cobertura máx.
€930k
Franquicia
€0
Long-term nomads and remote workers wanting comprehensive health insurance with global coverage
PreexistentesSalud mentalDentalAventuraEquipoTelemedicina
True Traveller
✈️ Travel Medical🧳 Per Trip
Rango de precio
€30–90/mo
Cobertura máx.
€10000k
Franquicia
€0
Budget UK/EU nomads wanting cheap travel medical with adventure sports and gadget coverage
PreexistentesSalud mentalDentalAventuraEquipoTelemedicina
Passport Card
🔄 Hybrid⏱️ Per Day
Rango de precio
€50–120/mo
Cobertura máx.
€1000k
Franquicia
€0
Nomads who travel intermittently and want pay-as-you-go insurance with direct hospital payment
PreexistentesSalud mentalDentalAventuraEquipoTelemedicina
IMG Global
🔄 Hybrid📅 Monthly
Rango de precio
€75–300/mo
Cobertura máx.
€7500k
Franquicia
€0
US-based nomads who need international coverage with high limits and flexible plan options
PreexistentesSalud mentalDentalAventuraEquipoTelemedicina
Allianz Care
🏥 Health Insurance📆 Annual
Rango de precio
€200–500/mo
Cobertura máx.
Ilimitada
Franquicia
€0
Nomads wanting the security of a major global insurer with comprehensive health coverage
PreexistentesSalud mentalDentalAventuraEquipoTelemedicina
Cigna Global
🏥 Health Insurance📆 Annual
Rango de precio
€250–600/mo
Cobertura máx.
Ilimitada
Franquicia
€0
High-income nomads and families wanting premium global health insurance with no coverage gaps
PreexistentesSalud mentalDentalAventuraEquipoTelemedicina
Consejos de seguros para nómadas digitales
🎯 Choosing the Right Plan
- Travel medical is fine for healthy nomads under 40 on shorter trips (up to 1 year)
- Get full health insurance if you have pre-existing conditions or plan to stay abroad long-term
- Check if your home country health insurance remains valid abroad — many do not cover you after 30-90 days
- Consider your worst-case scenario: emergency surgery abroad can cost €50,000-200,000+
- Read the policy exclusions carefully — the cheapest plan might not cover what matters most to you
✅ Coverage Must-Haves
- Emergency medical evacuation (€100,000+ minimum for Asia/Latin America)
- COVID-19 treatment coverage (still required by some countries)
- Repatriation of remains (morbid but essential)
- Hospital direct billing — avoid paying €10,000+ upfront and claiming back
- 24/7 emergency assistance hotline in your language
💰 Saving Money
- Higher deductibles significantly lower monthly premiums
- Exclude USA coverage if you are not visiting — it can halve your premium
- Annual plans are usually 15-20% cheaper than monthly
- Some countries (Thailand, Mexico) have affordable local insurance as a supplement
- Use credit card travel insurance for short trips and nomad insurance for long-term
🚨 Claims & Emergencies
- Save all receipts, medical reports, and doctor notes — take photos immediately
- Contact your insurer BEFORE non-emergency treatment when possible
- Know your policy number and emergency hotline before you need them
- File claims within the required timeframe (usually 30-90 days)
- Use the insurer app to find in-network hospitals and avoid out-of-pocket payments
💻 Digital Nomad Specifics
- Laptop insurance is separate from medical — check if your provider includes it or add a gadget rider
- Mental health coverage is increasingly important — not all travel medical plans include it
- If you are applying for a digital nomad visa, check if the plan meets the country minimum coverage requirements
- Some Schengen countries require proof of insurance with €30,000+ medical coverage
- Consider travel insurance for short trips and health insurance for your base country
Consejos de seguros por región
Southeast Asia
General: Private hospitals in Bangkok and KL are world-class but expensive without insurance. Budget hospital stays can still cost €500-2000/day.
Cobertura: Ensure your plan covers motorbike accidents (common exclusion) and tropical diseases. Direct billing at Bumrungrad, Mount Elizabeth, etc.
Coste: Travel medical is sufficient for most nomads. Local Thai insurance (LUMA) can supplement at €20-40/month.
Europe
General: Schengen visa requires €30,000+ medical coverage. Public healthcare is available in many EU countries but EHIC/GHIC only covers EU citizens.
Cobertura: EU-based insurers (Genki, Ekta) are often cheaper for Europe coverage. Check if your plan qualifies for visa applications.
Coste: Excluding USA from your coverage area can save 30-50% on premiums when staying in Europe.
Latin America
General: Healthcare quality varies greatly by country and city. Private hospitals in Mexico City and Buenos Aires are excellent. Rural areas have limited facilities.
Cobertura: Ensure emergency medical evacuation coverage is at least €100,000 — you may need air evacuation to a major city or back home.
Coste: Local supplementary insurance in Mexico (IMSS, €30/month) or Colombia (EPS) can provide affordable day-to-day coverage.
Middle East & Caucasus
General: Dubai and Istanbul have excellent private healthcare. Georgia has affordable clinics but limited English-speaking facilities outside Tbilisi.
Cobertura: Dubai freelance visas require specific insurance — check if your nomad plan qualifies or if you need a UAE-licensed policy.
Coste: Georgia and Turkey are very affordable for out-of-pocket minor treatments. Save insurance for emergencies.
East Asia
General: Japan, South Korea, and Taiwan have world-class healthcare. Japan requires national health insurance for residents (including some visa types).
Cobertura: Language barriers can be an issue in hospitals. Choose a plan with 24/7 assistance that provides translation services.
Coste: Japan NHI costs ~€200/month but covers 70% of all treatment. Consider it if staying 3+ months on an eligible visa.
Africa
General: Private healthcare in Cape Town and Johannesburg is good. Outside major cities, medical facilities can be very limited.
Cobertura: Emergency medical evacuation is critical in Africa — ensure minimum €200,000 coverage for air evacuation.
Coste: South Africa has affordable private insurance (Discovery Health, ~€100/month) for residents on valid visas.
South Asia
General: India has excellent private hospitals in major cities at fraction of Western costs, but quality varies dramatically. Goa has limited facilities for serious issues.
Cobertura: Tropical disease coverage is essential. Ensure dengue, typhoid, and food poisoning treatment are not excluded.
Coste: Minor treatments in India are so cheap (€5-20 for a doctor visit) that you may not need to claim. Save insurance for hospitalization.
La información de seguros se ofrece únicamente con fines comparativos y puede no reflejar los precios o la cobertura actuales. Verifica siempre los detalles directamente con el proveedor de seguros antes de contratar. WildNomads no es un corredor de seguros y no vende productos de seguros.
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