Insurance for remote workers abroad.
Working remotely from another country for months or longer? Compare selected carriers built around long-stay life abroad — for remote workers, freelancers and digital nomads.
Why "remote worker" cover is its own question
What you already have was usually built for short trips, not long-stay life abroad.
Employer cover often doesn't follow you
Remote-working from abroad isn't the same as being formally posted. Corporate health policies are often tied to your country of work, not your laptop's location.
Travel insurance has trip-length limits
Many travel policies cap trips at 30, 60 or 90 days and assume you'll return home. They weren't built for a six-month stay.
Public social insurance may not extend
Public schemes generally cover you where you're resident and contributing. Working from another country for months can sit outside that.
What to look at when comparing
- Claim model. Reimbursement means you pay first and submit the bill. Card-based means the insurer pays the provider directly.
- Cover length and renewal. Rolling 4-week products behave differently from monthly long-term contracts. Match it to how long you'll be abroad.
- Geographic scope and US cover. Cover that includes the United States usually costs noticeably more, often as a separate area of cover or add-on.
- Pre-existing conditions. Travel medical plans usually exclude them, apart from a sudden flare-up. Long-stay health plans often assess them when you apply and may cover them. Compare shows each plan's rule.
FAQ
Travel insurance or international health insurance?
Travel insurance covers a trip: emergency medical care, and often cancellation, delays and luggage, for a set period. International health insurance is ongoing cover for living abroad, including planned and routine care, but usually without trip cover. Some long-stay travellers combine the two.
Is this for digital nomads or remote workers?
Both. The selected carriers are built around long-stay life abroad — digital nomads, freelancers and remote workers share the same core need. The quiz tailors matches to your country, trip type and priorities.
Do I need insurance if I have an employer policy?
It depends on the policy. Employer policies usually assume you work in your country of employment. If you work remotely from somewhere else for an extended period, ask your employer or insurer whether cover extends. This is a comparison tool, not personal advice.
Why not show prices for every carrier?
Where a carrier publishes a verified price or a standard-profile example, we show it (dated). Some carriers are fully quote-based with no published figure — for those we show "Personalised pricing" rather than guess. Your final price always depends on age, country, add-ons and trip length — see how we compare.
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