Protect Your Stay

Mid-term travelers (1–6 months) fall into an insurance gap. Standard travel insurance covers 2–4 week trips. Expat insurance assumes 12+ months. Here are options designed for stays like yours.

SafetyWing

Nomad Insurance

Purpose-built for digital nomads and remote workers. Monthly subscription model with no fixed end date. Covers medical emergencies, travel delays, lost luggage, and emergency evacuation across 180+ countries.

Best for: Solo digital nomads, remote professionals, budget-conscious travelers

Recurring monthly — cancel anytime

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Genki

Health Insurance for Nomads

Popular with European nomads. Offers monthly health insurance for people living abroad temporarily. Two tiers: Explorer (travel health) and Resident (comprehensive health for longer stays). Strong EU coverage.

Best for: European nomads, health-focused coverage, 3–6 month stays

EU-optimized coverage

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World Nomads

Travel Insurance

Established brand with strong family coverage options. Trip-based policies with clear start and end dates. Covers adventure activities and outdoor sports. Good for families who want a traditional policy.

Best for: Traveling families, traditional trip-based policies, adventure activities

Family-friendly plans

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Frequently Asked Questions

Does my EU health card (EHIC) cover a 3-month stay?

The EHIC covers emergency and necessary medical care in EU/EEA countries, but it's designed for short trips — not extended stays. It won't cover routine visits, dental care, medical evacuation, or repatriation. For stays over a month, dedicated travel or health insurance is strongly recommended.

Do I need insurance if I have a digital nomad visa?

Many countries that offer digital nomad visas (like Croatia, Greece, or Portugal) actually require proof of health insurance as part of the visa application. Even where it's not mandatory, having coverage protects you from unexpected medical bills abroad.

What if I'm already insured at home?

Most home-country health insurance policies have limited or no coverage abroad, especially for stays longer than 30 days. Check with your provider — you may find that your coverage doesn't extend to multi-month international stays.

What's the difference between travel insurance and health insurance?

Travel insurance typically covers trip cancellation, lost luggage, and emergency medical care for a defined trip. Health insurance for nomads (like Genki or SafetyWing) focuses on ongoing medical coverage without a fixed trip end date — better suited for mid-term stays.

Can I buy insurance after I've already started my trip?

Yes — both SafetyWing and Genki allow you to purchase coverage after your trip has started. World Nomads also offers this option for many destinations. However, pre-existing conditions or events that have already occurred won't be covered.

Disclaimer:midterm.rent is not an insurance broker or agent. The information on this page is for general guidance only and does not constitute insurance advice. We recommend consulting with a licensed insurance advisor if you're unsure about your coverage needs. All insurance products are provided by independent third parties. midterm.rent is not responsible for coverage, claims, or disputes between users and insurance providers.

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