Compare selected carriers side by side for digital nomads, freelancers and remote workers abroad. The quiz may also consider additional specialist carriers when they fit your country, trip type or priorities.
| Coverage detail | SafetyWing | Genki | PassportCard |
|---|---|---|---|
| Good for | Lower entry price, short-term cover | Long-term monthly health cover | Card-based instant claims |
| Main trade-off | Outpatient is emergency-only | No trip cancellation or baggage | 1-month cancellation notice |
| Monthly premiumWhat you pay each month (or every 4 weeks) for the policy. | From $62.72 / 4 wks (ages 18–39) | Get a quote | Get a quote |
| Claim settlementHow you get paid: the insurer reimburses you after you pay the bill, or pays the hospital directly. | Reimbursement | Reimbursement | Direct payout via card |
| Renewal cycleHow often the policy auto-renews — weekly, monthly or yearly. | 4-week auto-renew | Monthly rolling | Annual auto-renew |
| Sign up from abroad | Yes | Yes | Yes |
| Cancel anytime | Anytime | Anytime | 1 month notice |
| Adventure sportsCover for higher-risk activities like surfing, scuba diving, motorbike riding or hiking above 4,500 m. | Add-on only | Included | Not standard |
| Travel delays & luggageCompensation for missed flights and lost or delayed bags. | Included | Not included | Plan-dependent |
| Medical coverage limitThe most the insurer will pay out for medical care in a year. | $250k / period | Up to €1,000,000 / yr | Up to $1.5M / yr |
| Deductible / excessThe portion of each claim you pay yourself before the insurer covers the rest. Lower = higher monthly cost. | Zero deductible | €50 per claim | €0 / €1k / €2.5k / €5k |
| Outpatient & dentalDoctor visits, prescriptions, lab tests and dental work — without an overnight hospital stay. | Emergency only | Outpatient + dental to €1k | Plan-dependent |
| Mental healthTherapy, counselling and psychiatric care. | Not included | Counselling up to €20k | Plan-dependent |
| Electronics / gadget coverInsurance for laptops, phones and cameras if they're stolen, lost or damaged. | Not included | Not included | Not included |
| BackingThe major reinsurer that stands behind the policy. Verify on the carrier's site. | Tokio Marine | Allianz Partners | DavidShield |
Last verified May 2026. Verified "from" prices apply to ages 18–39; final rates vary by age, region and policy — check the carrier for your exact quote. We may earn a referral commission at no extra cost. We do not provide insurance advice.
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