travel nurses coverage calculator
Your pay, your loans, your work plan. See the gap in 30 seconds.
OpenIf you die on the job
What workers comp, work plans and Social Security pay, and what they don't.
OpenWhy it matters
Your agency may give you benefits. But those benefits often stop when the contract stops. A canceled contract can end them too.
A life plan you own stays with you. It does not care which hospital or agency you work for next.
- BLS says registered nurses held about 3.5 million jobs in 2025. The median pay was $97,550 in May 2025.
- BLS notes some nurses travel often in the United States and around the world to care for patients where there are not enough health workers.
- Nurse.org says any benefits you get as a travel nurse will also end when your contract ends.
- If a contract is canceled, agency insurance is canceled too. Nurse.org says to have a backup plan to avoid gaps.
- Nurse.org lists life insurance as a possible agency perk, and says you can get private life insurance on your own.
What an insurer may ask you
Have these ready. Being honest up front gets you a real price and avoids problems at claim time.
- Does your agency include life insurance, and how much?
- What happens to it between contracts?
- How often do you take time off between assignments?
- Who depends on your income?
- Do you have a home loan or other debt back home?
Common questions
Does my agency life insurance follow me between contracts?
Often no. Benefits from an agency usually end when the contract ends. Ask your recruiter for the exact rules in writing.
Why buy my own plan if the agency gives me one?
Your own plan stays with you. It keeps going between contracts and when you switch agencies.
Does travel work change my price?
Insurers look at your age, health and habits. Ask about your work and travel when you apply so you know the rules.
