Digital nomads live in the gap between tourist and resident — too mobile for local health insurance, too long-stay for standard travel insurance. Here is how IATI solves the nomad insurance problem in 2026.
The Nomad Insurance Problem
Standard travel insurance is designed for defined trips: departure, destination, return. Nomads do not have a fixed return date. Standard health insurance requires a fixed address in one country. Nomads move continuously. Neither product fits the nomad lifestyle well. IATI annual plans are the closest thing to a universal solution.
IATI Annual Plan for Nomads: Key Benefits
12 months of continuous coverage. Valid across all 200+ countries simultaneously. No per-trip enrollment required. Medical coverage from EUR 50,000. 24/7 telemedicine from any location. Adventure sports included. Satisfies insurance requirements for digital nomad visa applications in Portugal, Colombia, Indonesia, Thailand and other major nomad hubs.
Digital Nomad Visas and Insurance Requirements
Portugal D8: requires health insurance covering medical and repatriation. Colombia (Res. 5477/2022): requires coverage for medical, hospitalization, evacuation and repatriation. Indonesia E33G: requires health insurance documentation. Thailand LTR: requires health insurance with minimum coverage. IATI annual plans satisfy all of these requirements.
Coworking Insurance: What Your Space Does Not Cover
Popular coworking spaces (Selina, WeWork, Outpost, Dojo) do not provide health insurance. Accident coverage within coworking spaces is typically the building's liability insurance and does not cover your medical costs. IATI provides coverage everywhere you work, not just within specific locations.
Tax and Accounting for Nomad Insurance
Travel insurance premiums are often deductible as a business expense for self-employed nomads. Consult your tax advisor about deductibility in your home country. Keep your IATI invoice as a business expense record.
Get covered before your next trip
Medical coverage from EUR 50,000, zero upfront payment, 24/7 telemedicine, instant certificate. Valid for all visa types in 200+ countries.
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