Overview

Digital Nomad and Backpacker Health Insurance

CCW Global is proud to offer comprehensive travel health insurance solutions specifically designed for today’s digital nomads, long-term travelers, and backpackers who are spending extended periods of time abroad, including throughout Thailand and Southeast Asia. These policies provide the same high level of flexibility and protection as traditional, annual, health insurance plans but are typically available at a significantly lower premium. This makes them an excellent choice for globally mobile individuals and families who want reliable medical coverage without the high cost.

If you need health protection for a limited period, or are planning an extended journey outside your home country, short-term travel medical insurance could be the ideal solution. To review your options or purchase a policy immediately, simply click on the Genki Explorer box available on this page.

scope

Short Term Health Insurance

The international digital nomad health insurance plans available through CCW Global are designed to deliver robust, flexible protection for individuals and families who are living or traveling abroad, including throughout Thailand, while keeping overall costs lower than many traditional international medical insurance options.

With the option to pay monthly, and maintain coverage for up to 24 consecutive months, these plans offer a practical solution for nomads and remote workers seeking short- to mid-term medical protection. Coverage is available to individuals up to 69 years of age, and you have the freedom to define both the start and end date of your policy. Allowing you full control over how long you’re protected.

Even if your travels are already underway, you can still apply for, and receive, coverage under one of these travel health insurance policies. Eliminating a common challenge faced by global adventurers who forget to secure a policy before departure.

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Short Term Health Insurance Cover

Short-term travel health insurance plans offer many of the same core benefits found in traditional annual health policies, but with a key distinction: these policies are intended for temporary use and are subject to a maximum coverage duration.

One notable restriction is coverage within your home country or country of citizenship, which is typically limited to 6 weeks out of every 180-day period, and only applies in cases of serious or life-threatening medical emergencies. This means that while you’re traveling or residing abroad, such as temporarily living in Thailand, you can enjoy a high level of protection. Should you return home, your coverage will only activate if the situation is critical.

Despite this limitation, short-term travel health insurance gives you the essential peace of mind that comes from knowing you're protected in the event of a major medical emergency—no matter where in the world you may be.

Inpatient Treatment Costs

Outpatient Treatment Costs

Emergency Dental Protection

Repatriation of Mortal Remains

Pregnancy checkups before week 12

Sports Injuries

No Overall Maximum Benefit

Choice of Deductible/Excess

Extensive Direct Settlement Network

exclusions

Important Exclusions

While short-term travel health insurance is designed to deliver strong medical protection at an affordable rate, it’s essential to be aware of certain key exclusions and limitations before purchasing a policy.

Waiting Period: A standard 14-day waiting period applies to all new claims, unless you had an existing health insurance policy immediately prior to enrolling in your short-term coverage. If your coverage starts while you're still in your home country, it won’t become active until you’ve left that country. However, starting the policy while still at home allows you to bypass the waiting period once your trip begins.
Treatment in Home Country: Coverage for medical treatment in your country of citizenship or nationality is limited to emergency situations only, and for a maximum of 6 weeks in every 180-day period. Non-emergency care will not be covered while in your home country.
Maternity Waiting Period: Pregnancy and maternity benefits will only apply after you have held the policy for a minimum of 10 months. You can learn more about this requirement under the section on Maternity Waiting Periods.
Pre-existing Conditions: Any illness or condition for which you experienced symptoms or received treatment within 6 months prior to the start of your plan will be excluded from coverage. More details are available under Pre-Existing Medical Conditions.
Preventative Care: This insurance does not include coverage for preventative health services, including vaccinations and routine check-ups.
Medical Tourism: If your trip is primarily for the purpose of receiving medical treatment, those costs will not be reimbursed under this policy.
Non-Medical Coverage: This plan focuses solely on health protection and does not extend to trip delays, baggage loss, or other travel-related inconveniences.
Professional or High-Risk Sports: While general sports injuries are covered, injuries sustained while participating as a professional athlete or engaging in high-risk activities may not be eligible. Be sure to review the policy documentation to confirm whether your activities are included.
Substance-Related Exclusions: Any medical issues arising from drug use or the excessive consumption of alcohol are explicitly excluded from coverage.
Non-Thai Regulated Insurer: Please be aware that this policy is underwritten by an insurer that is not regulated by the Thailand Insurance Authority.

consultations

Short Term Health Insurance Consultations

If you have any questions about the international travel health insurance plans offered by CCW Global, or if you would like to speak directly with an expert insurance advisor, please Contact Us to arrange a consultation today.

Alternatively, simply complete this short form and one of our expert advisors will contact you directly to follow up with your request.

Ask CCW - where your insurance is always Swift, Simple, and Sorted.

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