Digital nomads and long-stay travelers often assume travel insurance is “for tourists.” That assumption gets expensive fast.
Why Standard Travel Insurance Falls Short
Most basic travel insurance policies are designed for:
- Short vacations
- Round-trip flights
- Minimal medical coverage
If you’re staying in Mexico for months, working remotely, or crossing the border frequently, those policies often don’t match your risk profile.
What Long-Stay Travelers Actually Need
For extended stays, insurance should focus on:
- Medical coverage beyond emergency room visits
- Evacuation coverage
- Coverage for frequent border crossings
- Trip interruption flexibility
Some policies exclude coverage once you pass 90 or 180 days — a detail many people miss.
Digital Nomads: A Special Case
If you work remotely:
- Lost equipment
- Emergency travel home
- Medical issues that interrupt income
These aren’t edge cases — they’re common scenarios.
When It’s Worth It
Travel insurance makes sense if:
- You stay longer than 30–60 days
- You rely on your laptop or gear for income
- You cross the border often
- You want predictable medical costs
Bottom Line
For long-stay travelers, travel insurance isn’t about “trip cancellation.” It’s about medical access, evacuation, and continuity of life.
