Top 5 Lifestyle Insurance Providers in 2025
As lifestyles continue to shift toward flexibility, travel, remote work, and high-value personal assets, lifestyle insurance has emerged as a must-have for modern risk protection. But not all providers are created equal. Some focus on travel, others on digital life or luxury items and pricing, perks, and policies can vary widely.
If you’re thinking of adding lifestyle coverage to your financial safety net, here’s a detailed look at the top five lifestyle insurance providers in 2025, how they compare, and who each is best suited for.
1. Lemonade Lifestyle+
Best for: Tech-savvy individuals who want fast, affordable, app-based coverage
Coverage Highlights:
- Adventure sports coverage (including skiing, rock climbing, and scuba)
- Global travel protection (trip interruption, lost baggage, medical)
- Pet liability and emergency care
- Identity theft monitoring and cyber protection
- High-value personal items (cameras, bikes, jewelry)
Unique Features:
- Fully digital claims and policy management through Lemonade’s AI-powered app
- Flat monthly pricing starting at $18/month
- Giveback program donates unused premium to causes of your choice
- Add-ons available for remote workers and digital nomads
Why It Stands Out:
Lemonade has taken its signature ease and transparency and extended it to lifestyle coverage. The interface is intuitive, claims are paid out quickly, and the modular structure makes it easy to build a policy that fits your exact needs.
Downside: Not ideal for people who want to speak to an agent or need complex coverage for business-related assets.
2. SafetyWing Remote Health + Lifestyle
Best for: Digital nomads, remote workers, and long-term travelers
Coverage Highlights:
- Global health and accident coverage
- Emergency evacuation and repatriation
- Travel disruptions and gear theft
- Mental health support and telehealth
- Optional add-ons for family coverage
Unique Features:
- Worldwide coverage with few geographic restrictions
- Continuous coverage even when switching countries
- Flexible pricing based on region, starting at $45/month
- Includes remote health coverage (can be used as a primary plan abroad)
Why It Stands Out:
SafetyWing was built for global citizens, and it shows. This plan works well if you’re living out of a suitcase or switching time zones every few months. They’ve streamlined international claims and offer coverage in places where many insurers won’t.
Downside: Doesn’t cover luxury goods or home-based valuables unless paired with a separate plan.
3. Lloyd’s of London Lifestyle Concierge Coverage
Best for: High-net-worth individuals with luxury assets and custom needs
Coverage Highlights:
- Custom protection for fine art, designer fashion, collectibles
- Private travel disruptions (charter flights, yachts, helicopters)
- Event cancellation and relocation assistance
- Exclusive hobby and sports coverage (e.g., polo, motorsport)
- Cyber insurance and personal security services
Unique Features:
- Concierge claims support and white-glove service
- Highly personalized underwriting and bespoke pricing
- Discretion-focused coverage for VIPs, celebrities, and executives
Why It Stands Out:
No one does custom coverage like Lloyd’s. If your lifestyle includes private chefs, expensive pets, or exotic hobbies, their brokers can tailor coverage to almost anything. Pricing is quote-based, but clients should expect a premium—often $200+/month depending on assets.
Downside: Overkill for the average consumer and not designed for self-service.
4. Thimble FlexProtect
Best for: Freelancers, side hustlers, and hobbyists with valuable gear
Coverage Highlights:
- Equipment and gear insurance for gig workers
- Personal liability and damage coverage for client workspaces
- Income protection during interruptions
- One-off or short-term event coverage available
- Digital security and data protection
Unique Features:
- On-demand policies for as little as $5/day
- Monthly plans start around $25/month
- Fast sign-up, flexible terms for gig workers and creatives
- Great for covering laptops, tools, cameras, or instruments
Why It Stands Out:
Thimble’s flexibility makes it perfect for photographers, designers, and side hustlers who don’t need year-round coverage. You can turn coverage on and off by the day, which is incredibly helpful if your work is seasonal or project-based.
Downside: Doesn’t include travel or health components, and not suited for international nomads.
5. Aura Life+ Digital Shield
Best for: Individuals focused on cybersecurity, identity protection, and online life
Coverage Highlights:
- Identity theft monitoring and recovery
- Data breach alerts and password protection
- Lost cryptocurrency assistance
- Social media impersonation and cyberbullying protection
- Optional family coverage for children’s online activity
Unique Features:
- Real-time threat alerts and VPN access
- Includes up to $1M in ID theft insurance
- Starting at $15/month
- Integrates with bank accounts, emails, and social platforms for active protection
Why It Stands Out:
Aura excels at digital life protection. If your biggest risks are online—think hacking, phishing, data leaks—this is the best fit. You can bundle Aura’s digital safety tools with limited gear and travel coverage, but it shines most in its cybersecurity suite.
Downside: Not a full replacement for physical asset coverage or health-related emergencies.
Quick Comparison Table
| Provider | Best For | Starting Price | Travel | Gear | Cyber | Adventure Sports | Unique Perk |
|---|---|---|---|---|---|---|---|
| Lemonade Lifestyle+ | App users, everyday life | $18/mo | ✅ | ✅ | ✅ | ✅ | Giveback model |
| SafetyWing | Digital nomads, global travel | $45/mo | ✅ | ⚠️ | ⚠️ | ✅ | Continuous worldwide coverage |
| Lloyd’s of London | Luxury lifestyles | $200+/mo | ✅ | ✅ | ✅ | ✅ | Concierge claims |
| Thimble FlexProtect | Freelancers, creatives | $5/day or $25/mo | ⚠️ | ✅ | ✅ | ⚠️ | On-demand insurance |
| Aura Life+ | Digital security | $15/mo | ⚠️ | ⚠️ | ✅✅ | ❌ | Live cyber threat defense |
Final Takeaway: Pick the Provider That Matches Your Life, Not Just Your Stuff
Lifestyle insurance in 2025 is all about personalization. Whether you’re a remote worker with a backpack, a weekend adventurer with a GoPro, or a luxury enthusiast with collectibles and custom wardrobes, there’s a provider built for your risks.
Before you sign up, think about:
- Where and how you live
- What you own that needs protection
- What your biggest “non-traditional” risks are
- Whether you want monthly simplicity or concierge service
Need help deciding if lifestyle insurance is enough?
Compare your current policies side by side with new lifestyle plans in How Lifestyle Insurance Compares to Traditional Coverage.
