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Guide d'assurance voyage
Comparez les meilleures assurances voyage et santé pour les nomades numériques. Garanties, tarifs et avis de nomades de plus de 12 assureurs dans le monde, côte à côte.
12 assureurs Dès €30/mois 7 régions
✈️Travel Medical🏥Health Insurance🔄Hybrid
Genki World Explorer
✈️ Travel Medical📅 Monthly
Fourchette de prix
€35–105/mo
Couverture max.
€5000k
Franchise
€0
Europe-based nomads who want affordable zero-deductible travel medical with mental health coverage
PréexistantesSanté mentaleDentaireAventureÉquipementTélémédecine
SafetyWing Nomad Insurance
✈️ Travel Medical📅 Monthly
Fourchette de prix
€42–80/mo
Couverture max.
€230k
Franchise
€230
Budget-conscious nomads who need basic travel medical coverage with maximum flexibility
PréexistantesSanté mentaleDentaireAventureÉquipementTélémédecine
Ekta
✈️ Travel Medical📅 Monthly
Fourchette de prix
€30–85/mo
Couverture max.
€500k
Franchise
€0
Budget nomads in Europe who need visa-compliant travel insurance at the lowest price
PréexistantesSanté mentaleDentaireAventureÉquipementTélémédecine
World Nomads
✈️ Travel Medical🧳 Per Trip
Fourchette de prix
€65–150/mo
Couverture max.
€2500k
Franchise
€100
Adventure-loving nomads who need equipment coverage and high activity coverage limits
PréexistantesSanté mentaleDentaireAventureÉquipementTélémédecine
Insured Nomads
🔄 Hybrid📅 Monthly
Fourchette de prix
€65–180/mo
Couverture max.
€1000k
Franchise
€0
Digital nomads who want an all-in-one package with mental health, equipment, and cybersecurity tools
PréexistantesSanté mentaleDentaireAventureÉquipementTélémédecine
Genki Resident
🏥 Health Insurance📅 Monthly
Fourchette de prix
€95–260/mo
Couverture max.
€5000k
Franchise
€0
Long-term nomads based in Europe wanting proper health insurance with preventive care
PréexistantesSanté mentaleDentaireAventureÉquipementTélémédecine
SafetyWing Remote Health
🏥 Health Insurance📅 Monthly
Fourchette de prix
€160–350/mo
Couverture max.
€930k
Franchise
€0
Long-term nomads and remote workers wanting comprehensive health insurance with global coverage
PréexistantesSanté mentaleDentaireAventureÉquipementTélémédecine
True Traveller
✈️ Travel Medical🧳 Per Trip
Fourchette de prix
€30–90/mo
Couverture max.
€10000k
Franchise
€0
Budget UK/EU nomads wanting cheap travel medical with adventure sports and gadget coverage
PréexistantesSanté mentaleDentaireAventureÉquipementTélémédecine
Passport Card
🔄 Hybrid⏱️ Per Day
Fourchette de prix
€50–120/mo
Couverture max.
€1000k
Franchise
€0
Nomads who travel intermittently and want pay-as-you-go insurance with direct hospital payment
PréexistantesSanté mentaleDentaireAventureÉquipementTélémédecine
IMG Global
🔄 Hybrid📅 Monthly
Fourchette de prix
€75–300/mo
Couverture max.
€7500k
Franchise
€0
US-based nomads who need international coverage with high limits and flexible plan options
PréexistantesSanté mentaleDentaireAventureÉquipementTélémédecine
Allianz Care
🏥 Health Insurance📆 Annual
Fourchette de prix
€200–500/mo
Couverture max.
Illimitée
Franchise
€0
Nomads wanting the security of a major global insurer with comprehensive health coverage
PréexistantesSanté mentaleDentaireAventureÉquipementTélémédecine
Cigna Global
🏥 Health Insurance📆 Annual
Fourchette de prix
€250–600/mo
Couverture max.
Illimitée
Franchise
€0
High-income nomads and families wanting premium global health insurance with no coverage gaps
PréexistantesSanté mentaleDentaireAventureÉquipementTélémédecine
Conseils d'assurance pour nomades numériques
🎯 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
Conseils d'assurance par région
Southeast Asia
Général: Private hospitals in Bangkok and KL are world-class but expensive without insurance. Budget hospital stays can still cost €500-2000/day.
Garanties: Ensure your plan covers motorbike accidents (common exclusion) and tropical diseases. Direct billing at Bumrungrad, Mount Elizabeth, etc.
Coût: Travel medical is sufficient for most nomads. Local Thai insurance (LUMA) can supplement at €20-40/month.
Europe
Général: Schengen visa requires €30,000+ medical coverage. Public healthcare is available in many EU countries but EHIC/GHIC only covers EU citizens.
Garanties: EU-based insurers (Genki, Ekta) are often cheaper for Europe coverage. Check if your plan qualifies for visa applications.
Coût: Excluding USA from your coverage area can save 30-50% on premiums when staying in Europe.
Latin America
Général: Healthcare quality varies greatly by country and city. Private hospitals in Mexico City and Buenos Aires are excellent. Rural areas have limited facilities.
Garanties: Ensure emergency medical evacuation coverage is at least €100,000 — you may need air evacuation to a major city or back home.
Coût: Local supplementary insurance in Mexico (IMSS, €30/month) or Colombia (EPS) can provide affordable day-to-day coverage.
Middle East & Caucasus
Général: Dubai and Istanbul have excellent private healthcare. Georgia has affordable clinics but limited English-speaking facilities outside Tbilisi.
Garanties: Dubai freelance visas require specific insurance — check if your nomad plan qualifies or if you need a UAE-licensed policy.
Coût: Georgia and Turkey are very affordable for out-of-pocket minor treatments. Save insurance for emergencies.
East Asia
Général: Japan, South Korea, and Taiwan have world-class healthcare. Japan requires national health insurance for residents (including some visa types).
Garanties: Language barriers can be an issue in hospitals. Choose a plan with 24/7 assistance that provides translation services.
Coût: Japan NHI costs ~€200/month but covers 70% of all treatment. Consider it if staying 3+ months on an eligible visa.
Africa
Général: Private healthcare in Cape Town and Johannesburg is good. Outside major cities, medical facilities can be very limited.
Garanties: Emergency medical evacuation is critical in Africa — ensure minimum €200,000 coverage for air evacuation.
Coût: South Africa has affordable private insurance (Discovery Health, ~€100/month) for residents on valid visas.
South Asia
Général: India has excellent private hospitals in major cities at fraction of Western costs, but quality varies dramatically. Goa has limited facilities for serious issues.
Garanties: Tropical disease coverage is essential. Ensure dengue, typhoid, and food poisoning treatment are not excluded.
Coût: Minor treatments in India are so cheap (€5-20 for a doctor visit) that you may not need to claim. Save insurance for hospitalization.
Les informations sur les assurances sont fournies à titre comparatif uniquement et peuvent ne pas refléter les tarifs ou garanties actuels. Vérifiez toujours les détails directement auprès de l'assureur avant de souscrire. WildNomads n'est pas un courtier en assurance et ne vend pas de produits d'assurance.
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