Best Digital Nomad Health Insurance for Panama
💻 Why Is Panama a Popular Destination for Digital Nomads?
Panama has become a very popular destination for digital nomads in Central America thanks to its ideal mix of affordability, connectivity, and lifestyle benefits. With a relatively low cost of living, reliable internet, and modern infrastructure, remote workers can enjoy a comfortable lifestyle without breaking the bank. The country’s use of the US dollar makes financial transactions simple, while Panama City offers coworking spaces, cafes, and a vibrant expat community.
Beyond work, digital nomads are drawn to Panama’s tropical climate, stunning beaches, islands, and mountains, creating the perfect balance of productivity and relaxation. Additionally, the government has introduced digital nomad-friendly visa options, making it easier for remote workers to live and work legally in Panama.
🌍 Why Do Digital Nomads Need Health Insurance in Panama?
- Expensive Medical Care: Private hospital treatment and medical care can be costly without insurance.
- Emergency Evacuation: Coverage includes medical evacuation in the event of specialized treatment outside Panama.
- Ongoing Worldwide Coverag: Insurance covers travel going into and out of Panama.
- Visa Mandate: Many digital nomad or residency visas will require a proof of health insurance.
- Peace of Mind: Guarantees financial stability and access to good care when living overseas.
- Lifestyle Flexibility: Digital nomads change their countries frequently, and international health insurance has them protected wherever they go.
🛡️ What Is the Best Digital Nomad Insurance for Panama?
travel_luggage_and_bagsBest travel medical insurance plans for Digital Nomads for Panama
Atlas Nomads Insurance is the perfect health coverage for digital nomads, offering global medical protection with the flexibility to include or exclude the U.S. Stay covered wherever you work or travel, with convenient monthly or annual payments that fit your location-independent lifestyle.
- Available for non-U.S. citizens/residents traveling and working abroad.
- Coinsurance: Plan pays 100% of eligible expenses up to the overall maximum limit
- Acute onset of pre-existing condition: Covers up to policy maximum limit
- Emergency medical evacuation: Up to $100,000
- Urgent care: Up to $50 copayment
- Trip Interruption: Up to $5,000 maximum
- Repatriation of remains: Up to $20,000 maximum
Policy maximum?
Up to age 64: $250,000
Age 65 to 69: $100,000Deductible option?
$0Period of coverage?
364 days
Atlas International Insurance offers flexible, reliable health coverage for remote workers and travelers worldwide. Designed for U.S. and non-U.S. citizens abroad, it provides essential medical protection for trips from 5 to 364 days, with customizable benefits to fit your journey. Stay covered and focus on your work and adventures.
- Available for US and Non US citizens traveling outside USA.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: 15 per incident; no copayment if deductible is $0.
- Optional add-on benefits.
- Renewable: Can be renewed and extended up to 364 days.
- Repatriation of Remains: Equal to the elected overall maximum limit.
- Adventure Sports: Includes coverage for eligible sports injuries and illnesses during vacation at no additional cost.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000Deductible option?
$0, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
364 days
Patriot International Lite
Patriot International LitePatriot International Lite is the ideal travel medical insurance for digital nomads, offering essential international coverage so you can work and explore worry-free. With flexible terms from 5 to 364 days, renewable up to 24 months, it suits changing travel plans. Available to U.S. and non-U.S. citizens, it provides customizable benefits for reliable protection wherever your journey takes you.
- Available for both US and Non-US citizens traveling outside the US.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Covers up to 70 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: $30 per incident; no copayment if deductible is $0.
- Repatriation of Remains: Up to overall maximum limit.
- Renewable: Renewable up to 2 years.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000,$2,500,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500Period of coverage?
5 days to 364 days
Patriot International Platinum
Patriot International Platinum is ideal for Digital Nomads seeking short-term or long-term international medical coverage with flexible duration and customizable benefits. Available for U.S. and non-U.S. citizens traveling outside their home country.
- Available for both US and Non-US citizens traveling outside the US.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Covers up to 70 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: $30 per incident; no copayment if deductible is $0.
- Repatriation of Remains: Up to overall maximum limit
- Renewable: Renewed for up to 36 months
Policy maximum?
$2,000,000, $5,000,000, $8,000,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,0000, $10,0000, $25,0000.Period of coverage?
5 days to 364 days
globe Long-Term travel medical insurance plans for Digital Nomads in Panama
IMG Global Medical
IMG Global Medical Insurance offers comprehensive long-term coverage for digital nomads, with flexible worldwide protection and optional U.S. coverage. Customize your plan with add-ons like preventive and maternity care for total peace of mind wherever you go.
- Coinsurance: In-network: After deductible, plan pays 100%, Out-of-network: After deductible, pays 80% up to $5,000, then 100% up to the max limit
- Direct Billing: United health care ppo or First healthcare (in inside USA)
- Urgent care: Included
- Pre-existing Conditions: Bronze – Not covered; Silver/Gold – Covered if disclosed and not excluded (unknown: $5K/period, $50K/lifetime after 24 months); Platinum – Covered if disclosed and not excluded with higher limits
- Emergency medical evacuation: Up to lifetime maximum
- Repatriation of remains: Up to $50,000 maximum
Policy maximum?
Bronze: $1,000,000 | Silver: $5,000,000 | Gold: $5,000,000 | Platinum: $8,000,000Deductible option?
$100 to $25,000Period of coverage?
Lifetime
Worldwide Premier
Worldwide PremierThe BCBS Global Solutions Worldwide Premier Plan is a year-long travel medical insurance made for people who travel frequently outside their home country. Instead of buying a new policy every time you travel, you buy this once a year and you’re covered for unlimited trips during that year.
- Pre-existing conditions: Immediate coverage of pre-existing conditions with proof of previous coverage.
- Emergency medical evacuation: Up to $250,000.
- Repatriation of remains: Up to $25,000 maximum.
- Accidental Death & Dismemberment: Up to $50,000
- Emergency Medical Transportation: Up to $250,000
- 24/7 customer service and support available.
Policy maximum?
Unlimited annual and lifetime maximumDeductible option?
$0, $1,000, $2,000, $5,000, $10,000Period of coverage?
Lifetime
💸 What Is the Cheapest Digital Nomad Insurance for Panama?
The Cheapest digital nomad insurance for Panama is Atlas International from WorldTrips. The other affordable Panama travel insurance for digital nomads are Patriot International Lite from IMG and Travel Medical Global Basic from Seven Corners.
- Available for Non US citizens and US citizens traveling outside their home country.
- Emergency medical evacuation covers up to $1,000,000.
- Covers acute onset of a pre-existing condition up to 79 years.
- Available for both Non US citizens and US citizens traveling outside USA.
- Emergency medical evacuation covers up to $1,000,000.
- Covers acute onset of a pre-existing condition up to 70 years.
Travel Medical Global Basic
Seven Corners
$56 per monthAge: 40 years | Plan: $50,000 | Deductible: $250
- Available for Non US residents traveling to worldwide trips that exclude the USA.
- Emergency medical evacuation covers up to $250,000.
- Covers acute onset of a pre-existing condition up to 79 years.
💰 How Much Does Digital Nomad Health Insurance Cost in Panama?
Short-term travel medical insurance for digital nomads starts at just $39 per month. The cost may vary depending on the traveler's age, trip duration, selected policy maximum, and deductible. These plans are ideal for digital nomads taking shorter trips or staying abroad for limited periods. Short-term coverage typically offers essential medical benefits at affordable rates, with policy maximums ranging from $50,000 to $2 million.
| Plan name | Policy Maximum | Cost for 30 yrs* | Cost for 40 yrs* | Cost for 50 yrs* |
|---|---|---|---|---|
| Atlas International | $50,000 | $39 | $68 | $116 |
| Patriot International Lite | $50,000 | $41 | $69 | $118 |
| Atlas Nomads | $250,000 | $57 | $93 | $147 |
| Patriot Platinum International | $2,000,000 | $87 | $145 | $246 |
*Based on ages of digital nomads, with a $0 deductible.
Long-term travel medical insurance for digital nomads starts at around $1,500 per year. The cost may vary based on the traveler's age, length of coverage, policy maximum, and deductible. These plans are ideal for digital nomads living abroad for extended periods or frequently relocating across countries. Long-term insurance typically offers broader medical coverage, higher policy limits (up to $10 million), and enhanced global support services.
| Plan name | Policy Maximum | Deductible | Cost of 30 yrs# | Cost of 40 yrs# | Cost of 50 yrs# |
|---|---|---|---|---|---|
| Worldwide Premier | $10,000,000 | $0 | $870 | $1,099 | $1,774 |
| Global Medical Bronze | $1,000,000 | $250 | $1,523 | $1,827 | $1,921 |
| Global Medical Gold | $5,000,000 | $250 | $3,576 | $4,116 | $7,404 |
#Based on ages of digital nomads.
🌍 What Are the Requirements for the Panama Digital Nomad Visa?
To be eligible for the Panama Digital Nomad Visa, remote employees and freelancers have certain requirements to meet. These are the overall requirements:
- Remote work proof: You should be working for a company that is not registered in Panama or have foreign clients if you are self-employed.
- Income requirement: Provide evidence of earning a minimum of $36,000 annually (approximately $3,000/month).
- Passport: A passport with a minimum validity period of 6 months.
- Clear criminal record: Give a criminal record check from your home country, preferably apostilled or legalized.
- Private health insurance: Hold valid health insurance that covers you in Panama.
- Medical certificate: A medical certificate that confirms you are healthy and free from diseases that are transmittable to others.
- Employment or contract: If employed, present an employment letter; freelancers need to produce active contracts or a sworn declaration of their business and clients.
- Taken under oath affidavit: Affirming your foreign-sourced income and that you will not engage in employment for Panamanian employers.
✔️ Long-Term Health Insurance for Digital Nomads Living in Panama
If you’re relocating to Panama for remote work or extended travel, having comprehensive international health insurance that is available on American Visitor Insurance is essential. A reliable long-term health insurance plan provides coverage for medical emergencies, routine doctor visits, hospitalization, travel-related disruptions, preventive care, and more. These long-term Panama digital nomad insurance plans are perfect for freelancers, remote workers, and digital nomads who need flexible, worldwide medical coverage, including protection while living and working in Panama. Whether you're based in Panama City, Boquete, Bocas del Toro, or exploring the country’s islands and coasts, having the right digital nomad health insurance ensures peace of mind and access to quality care.
❓ Panama Digital Nomad Visa Health Insurance FAQs
1. Do you need health insurance for the Panama Digital Nomad visa?
Yes, health insurance is required for the Panama Digital Nomad Visa.
- Must cover you while living in Panama.
- Policy should be valid for the visa duration (usually 6+ months).
- Needed for visa approval and proof of financial security.
- Strongly recommended even for short-term visitors to avoid high medical costs.
2. Can I buy insurance after arriving in Panama?
Yes, you can buy health insurance available on American Visitor Insurance after arriving in Panama, but there are some important points:
- Timing matters: Some visa types (like the Digital Nomad Visa) require proof of insurance at the time of application, so waiting until arrival may not satisfy visa requirements.
- Local vs international plans: You can purchase Spanish private health insurance locally, or international plans that start after your arrival.
- Coverage start date: Make sure the policy starts immediately upon arrival to avoid gaps in coverage.
- Limited options for short notice: Some comprehensive plans may require pre-approval or health declarations, so it’s better to arrange insurance before traveling if possible.
3. Can I use travel insurance for a digital nomad visa in Panama?
You cannot rely on international travel insurance available on American Visitor Insurance for the Panama Digital Nomad Visa.
- Travel insurance is short-term: Usually covers 30 – 90 days and is meant for tourists.
- Visa requirement: Panama requires long-term health insurance that covers you for the entire stay.
- Coverage scope: Digital nomad insurance must include medical care in Panama, and sometimes medical evacuation.
- Recommendation: Purchase a dedicated long-term or international health insurance plan before applying for the visa.
4. How long should my insurance coverage last?
For the Panama Digital Nomad Visa, your insurance coverage should:
- Cover the entire visa period: Typically 9 months initially, renewable once for a total of up to 18 months.
- Be continuous: No gaps are allowed; coverage must start from your entry date.
- Include Panama: Must cover medical expenses and emergencies within Panama.
- Meet minimum requirements: Some policies may have minimum coverage amounts set by immigration authorities.
5. Is digital nomad insurance expensive?
Not necessarily. The cost of digital nomad insurance varies depending on several factors, such as your age, the duration of your coverage, and whether your plan includes coverage in the U.S. or not. It also depends on the coverage limits you choose and the deductible amount. You can easily compare and buy the best Digital nomad Insurance for Panama on American Visitor Insurance.
