Why Insurance is Required for Digital Nomad Visas

This page has been reviewed and verified by Michael Gibbons, Regulated Immigration Advisor. You can confirm coverage requirements through our Digital Nomad Visa Guidance.

Health and travel insurance are among the most important requirements for any Digital Nomad Visa application. Most countries offering digital nomad visas require proof of valid health insurance that covers the entire duration of stay — including emergency medical treatment, hospitalisation, and repatriation. This guide explains what kind of insurance you need, what it must cover, and how to choose the right policy for your digital lifestyle abroad.

Health systems around the world differ significantly. To ensure you are not a financial burden on the host country, governments require digital nomads to carry comprehensive insurance before arrival. This guarantees that if you fall ill or suffer an accident, you have access to private medical care or emergency evacuation.

Failure to show valid insurance may result in visa rejection or delays during application processing. In most cases, the policy must explicitly include coverage in the destination country.

Types of Insurance Accepted

Depending on your host country, the following types of insurance are typically accepted for Digital Nomad Visas:

• International Health Insurance — Full medical coverage across multiple countries, ideal for long-term remote workers.
• Travel Medical Insurance — Short-term coverage suitable for initial stays under 12 months.
• Local Private Health Insurance — Some countries allow or require registration with a national or local private insurer after arrival.

Minimum Coverage Requirements

Most Digital Nomad Visa programs specify minimum coverage amounts to qualify for approval. While details differ, the following standards are common across destinations:

• Medical coverage of at least €30,000 or USD $50,000.
• Emergency evacuation and repatriation coverage.
• Hospitalisation, surgery, and prescription medication coverage.
• COVID-19 treatment and quarantine coverage (in some destinations).
• No geographical limitations for the host country.

Countries With Specific Insurance Rules

• Portugal — Requires valid private health insurance covering the EU.
• Spain — Must include unlimited medical expenses and full repatriation coverage.
• Greece — Accepts both international and Greek-based insurance policies.
• Croatia — Proof of valid health insurance is mandatory before visa approval.
• UAE — Requires locally valid health insurance and medical repatriation benefits.

How to Prove Insurance Coverage

When applying for your visa, you will usually need to upload a digital copy of your insurance policy or certificate of coverage. The document should clearly state:

• Your full name and date of birth.
• Policy number and insurer’s contact details.
• Geographic area of coverage (must include the host country).
• Start and end dates of validity.
• Minimum coverage amounts and emergency medical inclusions.

Some countries may request translated or notarised copies of your policy if it’s not in English or the local language.

Choosing the Right Digital Nomad Insurance Provider

When selecting insurance, choose an international provider experienced with long-term remote workers. Look for:

• Global coverage for multiple destinations.
• Digital claims submission and customer support.
• Emergency assistance 24/7, including air evacuation.
• Coverage for work-related travel and equipment loss.
• Flexible renewal and cancellation terms.

Popular insurers among digital nomads include SafetyWing, Cigna Global, Allianz, AXA, and World Nomads. Each offers specific policies designed for international professionals and remote workers.

What Happens If You Don’t Have Valid Insurance?

Applying for a Digital Nomad Visa without proper insurance can lead to immediate rejection. Even if approved, entry at the border can be denied without proof of valid medical coverage. Furthermore, lacking adequate insurance can cause serious financial hardship in the event of illness or accident abroad.

Renewing and Updating Your Insurance

Before extending or renewing your visa, you must show proof of continued coverage. Renewal periods vary, but most applicants need to provide updated documentation every 6 to 12 months. Always renew your policy at least 30 days before expiration to prevent legal or residency issues.

Related Guidance

• Digital Nomad Visa Benefits