Melhor seguro de saúde para nómadas digitais (2026)

Frequently asked

What is the difference between travel insurance and nomad health insurance?

Travel insurance covers short trips, emergencies and trip cancellations. Nomad/international health insurance is built for long stays and ongoing care — you can use it like real health insurance abroad, not just for emergencies.

What do digital-nomad visas actually require?

Most digital-nomad visas require travel insurance with at least €30,000-€40,000 of medical cover, often valid for the full duration of the stay. SafetyWing and similar nomad-targeted insurers tend to meet these requirements explicitly.

How much should nomad insurance cost?

Basic nomad cover runs roughly $45-90/month for younger travellers, scaling with age and country list. Premium international health (closer to a real plan) starts around $150/month. Both beat paying out of pocket for one hospitalisation.

Can I cancel or pause month to month?

Many nomad-specific insurers let you sign up and cancel monthly, which fits unpredictable plans far better than annual policies. Read the terms — some have minimum durations or limits on returning home.

Does nomad insurance cover pre-existing conditions?

Usually not, or only partially after a waiting period. If you have meaningful pre-existing conditions, talk to an international health broker before assuming a $50/month plan will cover you the way home insurance did.