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Choosing the proper journey insurance coverage will be overwhelming. You need an reasonably priced coverage that additionally protects you in a wide range of conditions.
On this SafetyWing vs. World Nomads assessment, we’ll assessment and evaluate one of many business’s most well-known manufacturers—World Nomads—and some of the promising up-and-coming journey insurance coverage corporations we’ve seen—SafetyWing—and put them head-to-head!
On my final journey, even I had a tough time selecting between SafetyWing and World Nomads, as a result of each provide glorious advantages for vacationers. That stated, there are some important variations you ought to be conscious of.
Plus, a lot of choosing the proper journey insurance coverage comes all the way down to what sort of traveler you might be.
Is your purpose to be a long-term traveler on a country-hopping tour across the globe, or do you intend on residing the expat life in Europe? Are you an adrenaline junkie who loves the nice open air, or extra of a low-key explorer?
Simply do not forget that irrespective of the place you journey, it’s at all times vital to have journey insurance coverage. On this assessment, we’ll assist you determine if SafetyWing or World Nomads higher fits your wants.
What’s Journey Insurance coverage?
Journey insurance coverage protects you towards a wide range of surprising conditions that may happen whereas touring. Though advantages will range between corporations, they ought to embody the next classes:
- Journey cancellation and journey interruption
- Medical emergencies and evacuations
- Stolen, broken or misplaced baggage and property
Though journey insurance coverage can be utilized internationally and typically domestically, it’s completely different than your medical insurance plan again residence. Usually talking, medical insurance gained’t cowl you in case you journey abroad. And in lots of circumstances, they gained’t reimburse for trip-related incidents, like canceled flights and misplaced baggage.
So, if you need complete protection when you’re touring, it’s vital to have journey insurance coverage.
Is Journey Insurance coverage Actually Vital?
It’s an age previous query. And for a very long time, I didn’t journey with insurance coverage as a result of I didn’t assume it was essential. However in my years of touring the world, my perspective on that has modified a LOT.
The reality is, you may’t predict what’s going to occur in your journey. Accidents happen if you least count on them. From damaged bones to damaged smartphone screens, you can be caught paying 1000’s of {dollars} in payments and private bills.
However with journey insurance coverage, you’ll be able to sort out each kind of journey mishap that comes your approach. And only for this peace of thoughts alone, journey insurance coverage is basically value it!
What Ought to Journey Insurance coverage Cowl?
At the moment, there are dozens of journey insurance coverage corporations to select from. And, the precise advantages will range relying in your coverage. However when deciding between SafetyWing vs. World Nomads, it’s best to think about the next journey insurance coverage classes.
Journey Cancellation
If you’ll want to cancel your journey earlier than you allow, you’ll be grateful to have journey insurance coverage. Not solely are flights and motels costly, however in lots of circumstances, they’re additionally nonrefundable. With journey cancellation protection, you’ll be reimbursed to your journey in case you can now not go.
It’s vital to notice that your motive for canceling must be coated by your insurance coverage firm. Some widespread causes embody sickness, damage, pure disasters, or the dying of a member of the family. You may’t ask for reimbursement in case you merely discovered a greater value or determined to alter your itinerary.
Journey Interruption
Generally, emergencies can occur when you’re already on the street. If you’ll want to depart your journey early, then interruption will cowl the prices of your unused bills.
Like journey cancellation protection, journey interruption will solely cowl an outlined set of causes. This would possibly embody one thing just like the dying of a member of the family, or a sudden sickness.
Misplaced, Stolen, or Broken Property
Not solely does journey insurance coverage defend your journey, however it additionally consists of protection for private belongings. So in case you break your digicam or lose your iPhone, you is perhaps entitled to obtain monetary reimbursement.
Emergency Medical
Accidents and medical emergencies can occur anytime throughout your journey. And in case you’re sickness or damage turns into too extreme, you would possibly must see a physician.
That’s why it’s essential to have journey insurance coverage. With medical emergency protection, you’ll be capable to file claims to your physician visits and hospital payments. Whether or not you break your leg or come down with meals poisoning, you’ll be glad that you’ve got journey insurance coverage to guard you.
Emergency Evacuation and Repatriation
In some circumstances, your sickness or damage would possibly require a go to to the hospital. And if you’ll want to be airlifted, then you definately’re a invoice of round $100,000. For that motive alone, it’s important to have emergency evacuation protection.
Equally, your journey insurance coverage would possibly present protection for emergency repatriation. If you’ll want to be flown again residence for any motive, then you definately’ll get reimbursed for these transportation prices.
SafetyWing Evaluate
Based in 2017, SafetyWing is a reasonably new participant within the journey insurance coverage recreation. Nonetheless, they present actual promise and are rapidly making a reputation for themselves on this already saturated business.
And it takes quite a bit to face out in a saturated business—particularly insurance coverage.
SafetyWing Journey Insurance coverage Plans
With SafetyWing, looking for journey insurance coverage is a chunk of cake. From what I do know , they’re planning to develop their choices, however for the time being, they solely provide one journey insurance coverage plan.
That makes issues ridiculously simple.
This plan has a $250,000 most restrict after a $250 deductible. Which means you should pay $250 out of pocket earlier than SafetyWing takes over. And whereas this deductible could seem excessive, it solely applies to a couple advantages, like emergency medical bills.
SafetyWing comes with $100,000 in emergency medical protection, which ought to cowl most incidents overseas. As well as, you’re additionally protected for as much as $1,000 in emergency dental care.
And if you’ll want to be transported to a hospital, you’ll even have $100,000 for emergency evacuation.
Your SafetyWing coverage additionally comes with a number of travel-related advantages (because it ought to!). If you’ll want to depart early out of your journey, you’ll obtain as much as $5,000 for one-way air or floor transportation again residence. And if the airline loses or damages your checked bag, you’re entitled as much as $3,000 (with a restrict of $500 per merchandise) for reimbursement.
Who’s SafetyWing For?
Relying in your journey wants, SafetyWing is a superb choice for journey insurance coverage. Though it won’t match everybody’s wants, listed below are some vacationers who will profit from a SafetyWing coverage:
- Price range Lengthy-Time period Vacationers: SafetyWing’s journey insurance coverage coverage covers you for the whole length of your travels. Not like different corporations who solely present protection for as much as a yr, SafetyWing protects you irrespective of how lengthy you’re gone.
- Vacationers with an Open Plan: Don’t fear in case you haven’t locked down your journey plans. With SafetyWing, you aren’t required to specify the international locations or size of your journey earlier than buying a coverage. Which means you’ll nonetheless have protection even in case you determine to alter your itinerary.
- Vacationers with Younger Kids: You may add protection for a dependent between the ages of 14 days and ten years to your SafetyWing coverage totally free. And in case you’re buying a coverage for 2 adults, then you definately’ll have protection for 2 kids at no further price.
What’s NOT Lined in SafetyWing Journey Insurance coverage?
Though SafetyWing gives reasonably priced medical safety, there are some things that aren’t coated.
- Journey Cancellation: When you can now not go in your journey, you gained’t be reimbursed for any nonrefundable flights or lodge stays. This could be a main concern in case you’ve spent some huge cash or booked your journey far upfront.
- Misplaced, Broken, and Stolen Property: Whereas your SafetyWing coverage covers checked baggage, your different private belongings aren’t protected. Which means you may’t file a declare in case you lose your valuables or get pickpocketed throughout your journey.
- Pre-Current Situations: Like most insurance coverage insurance policies, SafetyWing doesn’t cowl pre-existing medical circumstances. As well as, SafetyWing’s two-year lookback interval is for much longer in comparison with different insurance coverage corporations.
- Excessive Sports activities: When you plan to do any journey sports activities, like rafting, bungee leaping or skydiving, you gained’t be protected by your SafetyWing coverage.
Professionals and Cons of SafetyWing Journey Insurance coverage
✅ Professionals
- Value: At solely $37/4 weeks, SafetyWing is probably the most reasonably priced journey insurance coverage in the marketplace. For only a few {dollars} a day, you may defend your self towards main medical emergencies, which is likely one of the foremost causes for getting journey insurance coverage.
- Residence Nation Protection: Whereas journey insurance coverage covers you overseas, SafetyWing additionally gives short-term protection if you’re again at residence. This can be a enormous profit we haven’t seen with different insurance coverage.
- Limitless Journey: Not like most journey insurance coverage insurance policies, SafetyWing permits you to journey for so long as you need. With an ongoing subscription mannequin, you will be protected overseas for months and even years.
❌ Cons
- No Journey Cancellation Protection: Journey Cancellation is vital, particularly in case you spent some huge cash in your journey. With out this profit, you’re required to pay to your non-refundable flights and lodge stays, even in case you can’t go in your journey.
- No Private Belongings Protection: Though SafetyWing covers checked baggage, it doesn’t defend any of your different private objects. If one thing will get stolen or broken in your journey, it’s not coated by your journey insurance coverage.
- Solely One Plan: For the time being, you may solely buy a one-size-fits-all coverage with SafetyWing. You don’t have the flexibleness to alter, add, or customise the plan to suit your wants.
If SafetyWing appears like the precise selection for you, simply fill out the shape beneath for a completely free quote! You may also take a look at a full SafetyWing journey insurance coverage assessment on the hyperlink.
World Nomads Evaluate
As one of many greatest names within the journey insurance coverage business, World Nomads has been defending vacationers and backpackers since 2002. For years, they’ve been my go-to suggestion for journey insurance coverage for lots of causes.
World Nomads Journey Insurance coverage Plans
Relying on the quantity of protection you need to your journey, World Nomads presents two completely different plans.
The Normal Plan comes with $100,000 in emergency medical protection, in addition to $300,000 in emergency evacuation. It additionally consists of $2,500 for each journey cancellation and journey interruption.
Different journey advantages embody $1,000 (with a most of $500 per merchandise) in misplaced or stolen private belongings. And in case your bag doesn’t arrive on time, you’ll obtain $750 for toiletries and different objects.

For extra strong protection, World Nomads additionally has the Explorer Plan. Emergency medical protection is similar as within the Normal Plan, however emergency evacuation will increase to $500,000. The plan additionally comes with $10,000 in journey cancellation and interruption in addition to $3,000 for private belongings.
When you plan on doing any excessive sports activities whereas touring, then World Nomads is the corporate you need. They supply insurance coverage for over 300 actions, from bungee leaping to sizzling air ballooning.
Who’s World Nomads For?
At first, World Nomads is made for vacationers and backpackers. Nonetheless, there are different varieties of people that may benefit from a World Nomads coverage.
- Vacationers With out a Set Plan: When you’re plans change, World Nomads permits you to replace your vacation spot anytime in your journey. And in case you determine to remain on trip longer, you can even lengthen the dates of your coverage.
- Vacationers Who Forgot About Insurance coverage: Though it’s a good suggestion to buy journey insurance coverage upfront, you may nonetheless buy World Nomads when you’re already on the street.
- Adventurous Vacationers: With protection for over 300 excessive sports activities and actions, World Nomads is a superb choice for adventurous vacationers. Not like most journey insurance coverage corporations, they provide safety for enjoyable, scary, and even downright reckless actions!
What’s NOT Included in World Nomads Journey Insurance coverage?
Though World Nomads presents good journey and medical protection, it does have its limitations.
- Pre-Current Situations: Your World Nomads coverage doesn’t embody protection for pre-existing medical circumstances. Their look again interval is 90 days, that means you may solely file claims for accidents or sickness you had much less for than three months.
- Objects Left Unattended: If one thing was stolen or misplaced due to negligence, it in all probability gained’t be coated below your World Nomads coverage.
Professionals and Cons of World Nomads Journey Insurance coverage
✅ Professionals
- Simple Declare Submitting Course of: World Nomads makes it simple to file a declare on-line, from wherever you might be on the planet. Additionally they provide 24-hour help in case you need assistance or have any questions on your journey insurance coverage.
- Journey Exercise Protection: Not like most insurance policies, World Nomads presents protection for a wide range of excessive sports activities. Their exercise listing is in depth and covers canine sledding, cage combating, and the whole lot in between.
- On-line Coverage Changes: In case your itinerary adjustments when you’re in your journey, you may simply regulate your World Nomads coverage. Likewise, you can even buy a plan when you’re already touring.
❌ Cons
- Lack of Flexibility: World Nomads solely has two plans to select from. You may’t add further advantages, or improve your most restrict for protection.
- Capped Journey Cancellation and Interruption: Ideally, it’s best to select a coverage that covers 100% of your journey prices. That approach, you’ll be totally reimbursed if you’ll want to cancel or depart early. Nonetheless, World Nomads solely reimburses as much as a certain quantity for journey cancellation and interruption.
If World Nomads appears like the precise selection for you, simply fill out the shape beneath for a completely free quote! You may also take a look at a full World Nomads journey insurance coverage assessment on the hyperlink.
SafetyWing vs. World Nomads: What’s the Distinction?
SafetyWing and World Nomads are two glorious choices for journey insurance coverage. However that can assist you determine between the 2, let’s check out the most important variations between each corporations.
Journey Cancellation and Interruption Protection
Journey safety is likely one of the most important advantages of getting journey insurance coverage. For instance, you would possibly must cancel your journey or come residence early because of illness or different household emergencies. With out journey cancellation and interruption protection, you gained’t get reimbursed for these unused bills.
The World Nomads Normal Plan comes with $2,500 for each journey cancellation and journey interruption. In case your journey is value extra, then it’s best to go for the Explorer Plan, which incorporates $10,000 value of protection.
However, SafetyWing doesn’t provide any kind of journey cancellation protection. Whereas they do present $5,000 for journey interruption, you may solely declare reimbursement in case you’re already in your journey.
To summarize, journey cancellation and interruption is significant in case you spent some huge cash in your trip.
Misplaced, Stolen and Broken Belongings
We’ve all heard horror tales of stolen wallets, misplaced baggage, and left behind telephones whereas touring overseas. Though it’s a trouble to lose your stuff, journey insurance coverage can reimburse for a few of these private objects.
When you lose or injury your belongings, World Nomads presents as much as $1,000 of their Normal Plan and $3,000 of their Explorer Plan.
Sadly, SafetyWing falls brief right here too. With their plan, checked baggage is the one factor that’s coated. So, you gained’t be capable to file a reimbursement declare if something goes lacking on the rest of your journey.
It’s additionally vital to notice that each corporations solely cowl $500 per merchandise. When you lose your $2,000 laptop computer, for instance, you’ll solely get $500 again.
Size of Lined Journey
When you’re planning to be overseas for a number of months, each SafetyWing and World Nomads are nice choices. However in case you plan to remain for greater than a yr, you’ll want an organization that gives protection for the whole length of your travels.
With SafetyWing, you’re capable of journey for so long as you want. And since there isn’t a time restrict, their plan is a superb selection for digital nomads or long-term vacationers.
World Nomads, however, can solely be bought for a most of 12 months. Though you’ve got protection for single- and multi-trips, you gained’t be coated in case you plan to remain longer than a yr.
Residence Nation Protection
Throughout your journey, you would possibly plan a brief journey residence to see household and pals. Nonetheless, many journey insurance coverage insurance policies solely cowl you as soon as you allow your property, which suggests you’re unprotected when you step again on American soil.
SafetyWing permits you to add residence nation protection. If one thing had been to occur throughout your journey residence, you’d have all the identical advantages as in case you had been touring. US residents are coated for 15 days in a 90 day interval, whereas non-US residents get 30 days.
Whereas World Nomads covers you in over 150 international locations, they don’t present residence nation journey advantages. Which means you’ll must have separate medical insurance or a supplemental insurance coverage coverage again residence.
SafetyWing vs. World Nomads Prices
Now that you understand extra about SafetyWing and World Nomads, you is perhaps questioning how a lot a coverage prices. And since value is likely one of the greatest elements when selecting journey insurance coverage, we’ll break down the entire prices that can assist you determine between SafetyWing vs. World Nomads.
Prices of SafetyWing Journey Insurance coverage
To place it merely, SafetyWing is likely one of the most reasonably priced choices for journey insurance coverage. Though the precise price will rely in your age and size of journey, it’s nonetheless an inexpensive choice for these on a price range.
Age | Value for 4 weeks | Value for 4 weeks incl. USA |
18-39 | $37 | $68 |
40-49 | $60 | $111 |
50-59 | $94 | $184 |
60-69 | $128 | $251 |
Including residence nation protection will improve your month-to-month prices. Nonetheless, it’s value the additional few {dollars} per week, particularly in case you’re planning to journey residence typically.
Prices of World Nomads Journey Insurance coverage
Calculating the price of your World Nomads coverage is a little more difficult. The value will depend upon a wide range of elements, together with age, vacation spot, and nationality. To assist, we’ll have a look at a number of eventualities so you understand what to anticipate to pay for journey insurance coverage.
Let’s say, you’re a 25-year-old backpacking by way of France and Italy for 2 weeks. For a World Nomad’s coverage, you’ll pay $77.78 for the Normal Plan, and $140.66 for the Explorer Plan.
And in a special situation, the associated fee for a 30-year previous residing in Thailand is significantly dearer. The price for 5 months of journey insurance coverage is $407.28 for the Normal Plan and $588.08 for the Explorer Plan.
Who’s Cheaper? SafetyWing or World Nomads?
On the finish of the day, SafetyWing’s reasonably priced pricing mannequin is tough to beat. When you forgo US residence protection, you’re solely paying $37/4 weeks. That breaks down to only $1.23 per day! Residence protection is additional and begins at $2.26 per day.
In comparison with SafetyWing, World Nomads can price three or 4 occasions as a lot, even for his or her least expensive plan. For a two week journey to Europe, you’ll pay round $5.50 per day with World Nomads.
However whereas World Nomads is dearer, it additionally has a number of added advantages which can be noticeably lacking from SafetyWing’s coverage — together with journey cancellation. Primarily based on the kind of protection you need, it’s as much as you to determine if the worth is value spending.
Ultimate Ideas
It’s exhausting to say point-blank which journey insurance coverage firm is healthier. Actually, this reply will rely totally in your price range, size of journey, and desired advantages.
If price range is a priority, then SafetyWing is probably the most reasonably priced choice. However in case you’re in search of complete medical and journey protection, World Nomads might be your greatest guess.
It’s as much as you to check every coverage to see which firm is best for you. However irrespective of who you select, simply be sure to have journey insurance coverage, interval. It’s some of the vital purchases you may make.
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