Comparing travel insurance plans really isn’t much fun. Who wants to go through policy pages with endless terms and conditions?

And yet… getting a travel insurance plan is essential to having peace of mind when you travel. And knowing what’s in your policy is key. 

To save you time (and quite possibly money) I’ve taken a closer look at several popular travel insurance providers, two of which I have also used myself.

Every traveler is different, so I can’t exactly advise you on which travel insurance to get, but I can share information that may help you make your own decision. 

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Before you scroll forth, keep in mind that the prices mentioned below are only examples from the time that I queried these policies. The exact price of a policy may depend on your home country, age, or travel destinations. I selected a trip of 30 days but travel insurance can be for any trip length. 

Of course, the true test of an insurer comes when you have to make a claim; although this is very hard to gauge objectively, I’m showing their respective TrustPilot scores.

Heymondo review

Example cost: €114 or $123 for 30 days (premium plan)
Underwriter: AXA
Trustpilot rating: 4.5 stars

Heymondo is the insurance provider I’ve been using myself for several years now. Personally, I find that they offer clear policies without any deductibles, a streamlined app where you can manage your policy or submit requests, and they’re a bit more affordable than other options I’ve considered.

They’re also a bit more digitally savvy than other insurers I’ve used, offering communication through an app and even through WhatsApp. Whenever I needed to know something their customer service responded quickly.

Not heard of Heymondo yet? They’ve been around since 2016 and they’re backed by AXA, the world’s second-largest insurance company. 

Value for money
If you’re from Europe, then Heymondo may cost a bit less than other insurers. If you’re from the United States, then Heymondo may actually be significantly cheaper. For example, a 30-day plan with Heymondo will be around $123 (Premium Plan) versus ~ $205 with World Nomads (Explorer Plan).

Easy to use app
The Heymondo app lets you easily manage your policy, make claims, and get 24/7 travel assistance. This is a lot nicer than using clunky web forms or printing out PDFs, as is sadly often still the standard for most insurance companies.

No copayments, deductibles, or excess
This means there isn’t a part you have to pay first before your insurance starts to pay.

Tailored policies
Different plans are available for individual trips, long term travel, or annual coverage (which has a 60-day maximum individual trip length)

Covid-19 included
Heymondo kept insuring for covid-19 related issues. You only can’t use the cancellation coverage if your reason for canceling a trip is an epidemic.

Could have more activities covered by default
Heymondo covers basic sports and activities like riding a motorbike, hiking, canoeing, kayaking, and surfing. However, other activities such as scuba diving, caving, hang gliding, mountain biking, quad biking, or trekking require paying a supplement.

Useful Tip 1: Heymondo Premium costs only 15-20% more than the Top and Medical policies but the coverage is a lot more extensive, so it’s worth comparing these plans to see which one offers the best value for you.

Useful Tip: 2: If you travel a lot, consider the Heymondo Annual Multi-Trip package. It covers you year-round for trips up to 60 days. If you do many trips not longer than 2 months, then it can be much cheaper to get the annual insurance than insuring them one by one. If your trip is longer than 60 days, you can look at Heymondo Long Stay Insurance.


SafetyWing review

Example cost: $43 for 30 days
(for ages under 40; cost rises with age)
Underwriter: Tokio Marine
Trustpilot rating: 4.4 stars

SafetyWing is mainly targeted at digital nomads needing ongoing insurance, though they can also be an interesting option for backpackers and long-term travelers.

The policies by SafetyWing are generally cheaper than typical travel insurance policies (especially if you’re young) but they are also more limited in several respects. This doesn’t mean SafetyWing is worse or better, it just means it’s specialized in a different way towards digital nomads or similar types of travelers. 

Subscription-based insurance for nomads
While you can use it for single-trip insurance, by default SafetyWing works on a month-to-month basis. It’s tailored to digital nomads and remote workers who travel year-round or for extended periods. The plans are designed for ongoing coverage.

Home country coverage
After being abroad for 90 days, you can keep using medical coverage for up to 30 days in your home country if something happens while you’re there. This rare feature is ideal for nomads making occasional home visits. Travel insurance normally does not include this, so it’s something that SafetyWing has added.

Cheaper if you’re young
The standard policy is just $40 per month if you’re under 40. But this goes up to $64 for age 40-49, $101.64 for age 50-59, and $137.76 for age 60-69.

Deductibles & lower maximums
With such low prices, the coverages are lower: there is a total maximum of $250,000 for medical expenses, while Heymondo or World Nomads cover this for up to multiple millions. There is also a $250 deductible. This means in the case of any incident you’ll have to pay out of pocket up to $250 before SafetyWing will start compensating you. 

Includes covid-19 coverage
While initially excluding coverage at the start of the pandemic, SafetyWing added covid-19 coverage back in August 2020.

SafetyWing is a great option, though the trade-off is that you’ll be accepting some lower coverage (compared to other insurers mentioned here) in return for lower costs. Considering the $250 deductible, you can think of SafetyWing as being more focused on big unexpected expenses or situations, and less on covering small issues you can pay for yourself. 

If you’re looking for travel insurance on a budget, or for travel insurance that works well if you’re traveling continuously, then SafetyWing is definitely worth considering.


Insured Nomads review

Example cost: $92.30 for 30 days ($500 deductible, age 40)
$123.60 for 30 days ($0 deductible, age 40)
Underwriter: HDI (Hannover Specialty)
Trustpilot rating: 4.3 stars

I haven’t yet had any personal experience with Insured Nomads, but I think it’s useful to mention them as they have some different characteristics from the insurers mentioned above.

A key difference in their offering is that Insured Nomads supports insuring older travelers (e.g. 65 or 70+). An issue faced my older travelers is that many others exclude them from their policies, but not Insured Nomads. Older travelers do need to pay extra — and it can be quite significantly so based on the specific age — but they do have the option.

Insured Nomads also lets you choose the level of your deductible. In other words, the amount you will pay before they will start to pay. Options range from $0 to $500 and a higher deductible will result in a lower policy price. Their quote form will show the details.

No age limit for travelers 
Older travelers can be insured with Insured Nomads. The cost of the policy is age-dependent.

Choose your own deductible (excess)
It’s possible to save money on the policy cost by choosing a higher deductible. Insured Nomads leaves this up to the customer to decide.

Several additional benefits
Insured Nomads has packed in a few extras such as mental health support, airport lounge access in cases of delay, 30-day free VPN use to protect your internet connection abroad, and a GPS-based SOS/panic button response.

Support for incidental trips home
Like SafetyWing, Insured Nomads let you return home while traveling while maintaining coverage — for up to 15 days per 90 days of coverage. This is ideal for digital nomads or long-term travelers still wanting to include e.g. family visits in their travel plans.

Adventure sports are not included by default
Activities such as canyoning, caving, paragliding, scuba-diving, etc. are not covered in the standard World Explorer policy but require paying an extra. 

While Insured Nomads is a somewhat newer insurer, they offer several features that other insurers typically don’t, which makes them another option to look at.


World Nomads review

Example cost: $205 for 30 days (US resident)
€116 for 30 days (EU resident)
Underwriter: many different ones
Trustpilot rating: 3.7 stars

World Nomads has long been recommended by big brands such as Lonely Planet and Intrepid Travel. They’re one of the oldest travel insurers around focused on world/adventure travelers, though I think they have some specific pros and cons.

They don’t have an app and their policies are different everywhere depending on where you live. It’s worth comparing the prices and policies with Heymondo or SafetyWing closely — especially for longer trips, or if you’re US-based (where the prices seem to be almost doubled).

Highly recognized brand
World Nomads has built up a lot of trust and goodwill. When they started out, they were basically the only ones tailoring travel insurance to independent travelers. 

Best for sports & adventure
While every World Nomads policy is different, they tend to have more sports and activities included by default. For example, in the policy I had, quad biking or rock climbing were included without needing to pay a supplement. 

No annual multi-trip or digital nomad insurance
There are no tailored offerings for frequent or long-term travelers.

Only some policies cover covid-19
World Nomads only covers covid-19 for customers from certain countries. During the pandemic, it excluded all coverage for any country with a covid-19 travel warning (which was basically everywhere at one point)

The main reason I’ve included World Nomads is that it’s such a big brand that is known in the travel community. I’ve used them in the past but personally I think they face some competition these days.

If you want to compare for yourself, you can get a quote below.

Tips for using travel insurance

I’ve summarized the pros and cons of these travel insurers here, but you should always read the fine print and understand what your insurance does and doesn’t cover. The links in this post are affiliate links, which may give me a small commission, though I set out to give an objective review.

Keep in mind that travel insurance policies are intended for emergency medical coverage abroad, so they don’t cover preexisting conditions and they (normally) don’t cover medical issues at home. Only SafetyWing offers a rare exception on this.

When it comes to theft coverage, know that you’ll need proper documentation to make any claim, which often includes a police report. You can’t claim anything for petty theft (situations where you left your belongings unguarded). Check if your policy includes coverage for electronics, as this is sometimes a separate add-on. 

All insurers reviewed here will let you buy insurance while you’re already traveling, or extend/renew a policy while you’re on the road.

Some links may be affiliate links, meaning I may earn commission from products or services I recommend. For more, see site policies.