Heymondo is an insurance service for nomads who plan to travel to the United States.
Even though the insurance has a sufficient cap to cover the high cost of medical care in the United States, an insurance plan costs $253 ($74 per month) for a three-month package.
Features of Heymondo
- Premium (excluding U.S.): $113.05 (policy period: 4 weeks)
- Premium (including U.S.): $130.16 (policy period: 4 weeks)
→ Get a 3-month long-term package for $98.67 per month - You can join before or after you leave Japan (while staying overseas).
- Live chat support 24 hours a day, 365 days a year
- There is compensation for flight delays and missed connections.
- Damage to personal belongings, theft coverage available
≫ What Makes Safety Wing Popular Among Digital Nomads?
“Insurance with full coverage is better than cost-effectiveness”
“I plan to stay in the U.S. for more than 1 month”
If so, please consider Heymondo.
Recommended Insurance for Traveling to U.S.
* Easy estimate of insurance premiums according to your travel plan!
On this page, we will explain in detail the insurance contents of Heymondo, which is a little difficult to understand from the official website alone, so please refer to it if you are planning to travel to the United States.
What is Heymondo?
Heymondo is a custom-made type of overseas nomad insurance that can be customized from 1 day to 1 day. You can choose a cost-effective insurance plan according to your travel plan.
It is well known that medical expenses are extremely high in the United States. It is not uncommon for medical care that involves surgery and hospitalization to exceed tens of millions of yen just by going to the hospital for several hundred thousand yen ~ several million yen.
However, Heymondo comes with medical coverage of up to $10 million, so you can travel and stay in the United States with peace of mind.
Heymondo’s monthly fees
Heymondo has three plans that vary depending on the length of your policy. In addition, Travel Insurance, which is a regular plan that allows you to set the insurance period freely, has three plans with different insurance contents.
Heymondo’s Insurance Plans
- Travel Insurance (Freedom of Choice for Length of Insurance)
→ Home / Premium / Medical - Long Stay Travel Insurance (insurance period: 3 months)
- Annual Multi-Trip travel insurance (Insurance period: 60 days out of 1 year)
Please refer to the table below for the rates for each insurance type.
| Does not include the U.S. | Including the U.S. | |
| Travel Insurance (for 4 weeks) | $96.62 (top) $115.94 (Premium) $88.32 (Medical) | $111.25 (top) $115.17 (Premium) $101.70 (Medical) |
| Long Stay Travel Insurance (Insurance period: 3 months) | $138.06 ($46 per month) | $253.01 ($74 per month) |
| Annual Multi-Trip travel insurance (Insurance period: 60 days in one year) | $208.04 | |
* If you are viewing on a smartphone, you can scroll left and right.
* The age covered by the above insurance is 90 days ~ 49 years old after birth.
If your destination includes the United States, Long Stay Insurance will cover medical insurance of up to $2.5 million at $98.67 per month.
A rough comparison of the coverage contents of each insurance plan is as follows.
| Medical Insurance | Emergency Transportation (include return Costs) | Lost/stolen belongings | Trip interruptions | |
| Travel Insurance (Top) | $5 million | $500,000 | $1,700 | $450 |
| Travel Insurance (Premium) | $10 million | $500,000 | $2,500 | $1,500 |
| Travel Insurance (Medical) | $10 million | $500,000 | without | without |
| Long Stay Travel Insurance (Insurance period: 3 months) | $2.5 million | $500,000 | $1,200 | $300 |
| Annual Multi-Trip travel insurance (Insurance period: 60 days in one year) | $10 million | $500,000 | $2,500 | $1,500 |
* If you are viewing on a smartphone, you can scroll left and right.
However, if you don’t want to go to the U.S. and don’t need such expensive medical insurance, we recommend the Safety Wing, which costs $56.28 per month and offers medical insurance of up to $250,000.
Heymondo Coverage Details
Let’s check out the insurance details in more detail.
The table below summarizes the insurance coverage of Travel Insurance (top).
| Insurance Details | Insurance Limit | Specific examples of insurance coverage |
| Medical Insurance | $5 million | Hospitalization, long-term care, ambulance for hospitalization, MRI diagnosis, long-term care after discharge, prescriptions, etc. |
| Emergency Dental Care | $300 | Emergency dental treatment to resolve the onset of acute pain (sudden and unexpected). |
| Extra night expenses | US$1,800 | Accommodation expenses in case of illness or injury that requires an extension |
| Emergency Transportation | $50 million | Expenses for transporting injured or sick persons or returning home for medical reasons (including transportation and repatriation of companions) |
| Baggage coverage | $1,700 | Coverage for damaged, lost, or stolen baggage during travel (up to $300 for late delivery of packages and up to $400 for lost passports) |
| Flight delays | $450 | Delay compensation for airplanes and other transportation ($300 compensation in case of canceled connecting flights) |
| Interruption of travel (return to your country) | $3,500 | Compensation if you have to interrupt your trip and return home (up to $2,500 in the case of early return due to the hospitalization of a family member) |
| Interruption of travel (return to your country) | $250,000 | Circumstances that force you to return to your home country, such as the death of a family member |
| At the time of death | $100,000 | Transportation costs when transporting the body to your country |
* If you are viewing on a smartphone, you can scroll left and right.
Other insurance plans are covered by the same insurance as above, but with different insurance limits. However, Travel Insurance (Medical) does not include baggage coverage or travel interruption coverage.
For more information, please visit Heymondo’s official website to simulate the insurance coverage.
Are there any nomads who use Heymondo?
If you search for Heymondo on X (formerly Twitter), you will find that it is a popular insurance policy in the active overseas nomad and backpacker community.
In particular, it seems that many people who plan to go to the United States subscribe to Heymondo according to the number of days they stay.
ハワイだとクレジットカード付帯保険だけじゃとても足りない。
かと言って、日本の海外旅行保険は割高。
Heymondoならアメリカに1週間42ドル（6,500円）で500万ドル（7.5億円）までカバーできるのでオススメ。
ハワイ旅行中に通院した事あるけど、本当に治療費高かった。 https://t.co/aInBD9I4KH pic.twitter.com/kKhpqW3trF— かしわうどん (@kashiwaudondon) July 24, 2024
If you go to the United States, credit card insurance alone is not enough at all…That’s the reality. As a precaution, we strongly recommend that you take out overseas insurance when traveling to the United States.
In addition, if you use “Long Stay Travel insurance”, which is a 3-month insurance plan, you can save a discount on the insurance premium per month.
For example, if you don’t plan to go to the U.S. but want to stay abroad for three months, Long Stay Travel insurance will cost you $46 per month.
It’s $46 per month, and it comes with generous coverage such as $2.5 million in medical insurance and $1,200 in baggage coverage, which is too cost-effective!
Safety Wing, a popular overseas nomad insurance, can be purchased for $ 56.28 per month, but the maximum amount of medical insurance is up to $ 250,000. It only has one-tenth of Heymondo’s coverage.
Frankly, if you don’t plan to go to the United States, I think that $2.5 million is enough, but if you are staying abroad for more than 3 months and want more generous compensation, Heymondo’s “Long Stay Travel insurance” is recommended.
Things to keep in mind when joining Heymondo
If you are thinking of using Heymondo’s insurance in the future, check out the following precautions at the end.
Precautions for Heymondo
- Those over the age of 50 cannot join
* Those over the age of 49 and under the age of 50 cannot enroll in insurance for more than 30 days - Coverage for emergency dental care up to $300
- Non-Travel Insurance insurance types include deductibles
- If you take out insurance while traveling, there is a 72-hour waiting period
After checking the above, you can use Heymondo’s insurance according to your travel itinerary.
Summary: Heymondo is overseas nomad insurance for those who go to the United States
If you look into overseas nomad insurance, you can narrow down the candidate insurance services to the following four.
Popular Nomad Insurance
- Safety Wing
- Heymondo
- World Nomads
- Genki
When comparing the above four insurance services, Safety Wing was the most cost-effective.
≫ The Best Nomad Insurance; We highly recommend Safety Wing [$56/month]
However, we only recommend the Safety Wing if your destination does not include the United States. This is because the Safety Wing is only covered by medical insurance of up to $2.5 million.
Heymondo’s insurance covers $2.5 million for Long Stay Travel insurance, which is three months delinquent, and $10 million depending on the plan.
| Medical Insurance | Emergency Transportation (include return Costs) | Lost/stolen belongings | Trip interruptions | |
| Travel Insurance (Top) | $5 million | $500,000 | $1,700 | $450 |
| Travel Insurance (Premium) | $10 million | $500,000 | $2,500 | $1,500 |
| Travel Insurance (Medical) | $10 million | $500,000 | without | without |
| Long Stay Travel Insurance (Insurance period: 3 months) | $2.5 million | $500,000 | $1,200 | $300 |
| Annual Multi-Trip travel insurance (Insurance period: 60 days in one year) | $10 million | $500,000 | $2,500 | $1,500 |
* If you are viewing on a smartphone, you can scroll left and right.
Bottom line, if your destination includes the United States, customize your insurance period with Heymondo and get an insurance plan that fits your travel schedule!
