![The Best Nomad Insurance; We recommend Safety Wing [$56.28/month]](https://ararablog.com/wp-content/uploads/2024/08/Featured-Image01.jpg)
If you are injured, sick, or involved in an unexpected accident while abroad, you may be charged for a claim that is not covered by your credit card insurance.
* The cost of injury treatment covered by credit card ancillary insurance is surprisingly low.
On this page, we have carefully selected four overseas nomad insurances that can be purchased from overseas, and thoroughly compared the features of each.
Please see the table below for the main comparisons.
| Safety Wing | World Nomads | Heymondo | Genki | |
| Insurance (4 weeks) | ・$56.28 (not including the US) ・$104.44 (including the US) | ・$113.05 (not including the US) ・$130.16 (including the US) | ・$220.43 (not including the US) ・$265.07 (including US) | ・€48.3 (20s) ・€57.3 euros (30s) ・€72.3 euros (40s) |
| Medical Compensation | $250,000 | $5,000,000 | $5,000,000 | Unlimitedness |
| Emergency Transportation (Medical Return/Death Transport) | $20,000 | $500,000 | $500,000 | Unlimitedness |
| Dental treatment | $1,000 | $300 | $300 | $500 |
| Flight delays | $200 | $450 | $500 | Without |
| Damaged/stolen/lost personal belongings | Without | $1,700 | $2,500 | Without |
| Standby time | 0 hours | 72 hours | 72 hours | 14 days |
* If you are viewing on a smartphone, you can scroll left and right.
Safety Wing costs $56.28 per month for up to $250,000 in medical coverage, plus dental care up to $1,000.
There is no compensation for damage, theft, or loss of personal belongings, but considering the monthly fee, it is the most cost-effective overseas insurance.
In addition, even if you purchase insurance during your stay overseas, there is a waiting period of 72 hours ~ 14 hours, and you will not be covered by insurance during this period.
Safety Wing does not have a waiting period, so insurance will be applied from the day you join.
Nomad Insurance for $56.28/month
* Easy estimate of insurance premiums according to your travel plan!
This page summarizes detailed information on each overseas nomad insurance.
Choose the best insurance for your nomad life!
①：Safety Wing
Safety Wing is a global insurance service dedicated to digital nomads, freelancers, and remote workers.
If your credit card insurance period expires, you can take out Safety Wing. In addition, you can join even if you are staying overseas.
Features of Safety Wing
- Monthly premium: $56.28 (Age: 18~39 years old, not including the US)
- You can join the insurance period in as little as 5 days
→The premium is $10.05 (if the United States is not included) - No waiting period when joining from overseas
- 24-hour live chat support
- Flight delay and lost baggage compensation are available
- Easy to quote and apply for and easy to join
The specific insurance details are as follows.
| Insurance Details | Insurance Limit | Specific examples of insurance coverage |
| Medical Insurance | $250,000 | Hospitalization, long-term care, ambulance for hospitalization, MRI diagnosis, long-term care after discharge, prescriptions, complications of pregnancy. |
| Emergency Dental Care | $1,000 | Emergency dental treatment to resolve the onset of acute pain (sudden and unexpected). |
| Emergency Transportation | $100,000 | Emergency transportation costs to a well-equipped hospital. |
| Medical repatriation | $5,000 | Emergency repatriation expenses due to medical reasons. |
| Emergency return to your country | $5,000 | Transportation expenses when you have to return to your home country urgently due to the news of a family member’s death. |
| Lost Baggage | $3,000 | If you can’t find your package after 10 days after the lost baggage occurs (up to $500 per item). |
| Flight delays | $200 | Meals and lodging for delays of more than 12 hours (coverage of $100 per day for up to 2 days). |
| Theft of passports | $100 | The cost of reissuing a stolen passport or visa. |
| Car Accident | $250,000 | Accidental car accidents caused by the possession of the appropriate license and wearing safety equipment. |
| 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 | $20,000 | Transportation costs for transporting the body to your country ($10,000 guarantee for local burial). |
* If you are viewing on a smartphone, you can scroll left and right.
Safety Wing is an overseas nomad insurance that offers the most cost-effective and comprehensive coverage. Medical insurance covers up to $250,000.
The insurance amount for the injury treatment cost of the Epos card is up to 2 million yen, so you can see that Safety Wing is covered by quite generous insurance.
Safety Wing is the most cost-effective, but let’s check the following three points before joining.
Disadvantages of Safety Wing
- The United States is not covered
- Adventure sports are not covered
- Lost or stolen belongings are not covered
However, the above insurance can be added as an option. The additional fees for each are as follows.
- Additional coverage for the United States: +$48.16
- Additional coverage for adventure sports: +$10
- Additional coverage for theft of electronic devices: +$10
Please note that damage, loss, or theft of personal belongings other than electronic devices (laptops, tablets, cameras) are not covered by coverage.
If you want to minimize Thailand premiums, you can get overseas insurance for 4 weeks for $56.28.
For more information about Safety Wings, please refer to the following page.
②：World Nomads
World Nomads is a popular insurance policy for digital nomads and freelancers working overseas.
The premiums are high compared to other services, but they offer substantial coverage.
The standard Thailand insurance is a little expensive at $215.38 per 4 weeks (not including the United States), but the coverage is easy to understand and easy to join, so even first-time overseas insurance users can easily purchase insurance.
Features of World Nomads
- Insurance rates vary by destination
(e.g., $265.07 per month for 4 weeks policy including United States) - The maximum amount of medical coverage is 50 million yen (or unlimited)
- Flight delay and lost baggage compensation are available
- 24 hours a day, 365 days a year support (phone/email)
The specific insurance details are as follows.
| Insurance Details | Insurance Limit | Specific examples of insurance coverage |
| Medical Insurance | $5,000,000 | 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). |
| Medical Transportation and Repatriation | $5,000,000 | Expenses incurred when returning to your country in an emergency due to sudden illness or injury. |
| Medical repatriation | $5,000 | Emergency repatriation expenses due to medical reasons. |
| Emergency return to your country | $5,000 | Transportation expenses when you have to return to your home country urgently due to the news of a family member’s death. |
| Baggage coverage | $2,500 | Compensation for theft, damage, or loss of baggage during travel. |
| Flight delays | $500 | Compensation for additional accommodation and transportation costs incurred due to flight cancellations or delays of more than 12 hours. |
| Interruption of travel (return to your country) | $3,500 | Expenses for returning to your country due to illness or death of a family member |
| At the time of death | $15,000 | Transportation costs when transporting the body to your country or local burial costs. |
* If you are viewing on a smartphone, you can scroll left and right.
* The table shows the maximum insurance amount of the Standard Plan.
World Nomads medical insurance is not unlimited but covers up to $5 million.
In addition, there is plenty of coverage for baggage, flight delays, and travel interruptions.
However, the insurance fee is slightly higher. If you are considering using World Nomads, please check the following points in advance.
Disadvantages of World Nomads
- There is a $100 deductible for medical expenses (including dental treatment)
- Dental care coverage up to $300
- Eligible for enrollment is 64 years old or younger
- If you subscribe while traveling, there is a 72-hour waiting period
World Nomads incurs a $100 deductible (out-of-pocket) for medical expenses. It’s also important to note that dental coverage is only available up to a maximum of $300.
For more information about World Nomads, please refer to the following pages.
≫ Click here for the World Nomads
③：Heymondo
Heymondo is an overseas insurance service that specializes in digital nomads, freelancers, and other frequent international visitors. It is available worldwide, so you can be covered by insurance no matter which country you are in.
The insurance rate is higher than the Safety Wing, but the amount of coverage is higher.
Especially if you are visiting the United States or Canada, where medical expenses are expensive, Heymondo will be the best insurance policy for you.
Features of Heymondo
- Premium: $113.05 (not including United States, duration: 4 weeks)
- Premium: $130.16 (including United States, duration: 4 weeks)
→ For the Travel Insurance insurance plan - You can join from overseas (with a 72-hour standby time)
- 24-hour live chat support
- There is compensation for flight delays and connection failures.
- Damage to personal belongings, theft coverage available.
The specific insurance details are as follows.
| Insurance Details | Insurance Limit | Specific examples of insurance coverage |
| Medical Insurance | $5,000,000 | 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). |
| Extended Overnight Expenses | $1,800 | Accommodation expenses in case of illness or injury that requires an extension. |
| Emergency Transportation | $5,000,000 | 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 luggage and up to $400 for lost passport). |
| 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 hospitalization 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.
* The above insurance coverage applies when you select the Travel Insurance (top) insurance plan.
Heymondo is a generous insurance policy that covers up to $5 million.
If you’re planning to travel to the United States, Europe, or other countries where the cost of medical care is high, Heymondo is the way to go.
You’ll also be covered up to $1,700 for damaged, lost, or stolen baggage while traveling, so it’s safe for those who carry digital devices such as laptops and cameras.
However, if you are considering subscribing to Heymondo, please note the following:
Disadvantages of 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 day. - Coverage for emergency dental care up to $300
- Insurance Thailand other than Travel Insurance includes deductibles
- If you take out insurance while traveling, there is a 72-hour waiting period
Heymondo has a high medical insurance limit of up to $5 million, while dental care only covers up to $300.
Depending on the country, the cost of dental care can be expensive, so if you go to the doctor, it can exceed $300.
Heymondo also 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.
The types and contents of insurance are not as simple as Safety Wing. Please refer to the following page for a detailed explanation of Heymondo’s insurance contents.
④：Genki
Genki is a health insurance policy for overseas nomads.
There is no coverage for flight delays or baggage, and the premiums are lower than other services because it is only focused on health insurance.
Genki is an overseas nomad insurance that is recommended for those who stay in the same country for a long time, rather than backpackers who fly around various countries because there is no coverage for flight delays or baggage.
Features of Genki
- Insurance premiums vary depending on age
(e.g. 48.3 euros per month for people in their 20s) - You can join from overseas (there is a 14-day waiting period)
- Canada and the United States are also covered
- Unlimited medical coverage
- Dental treatment can be up to €500
The specific insurance details are as follows.
| Insurance Details | Insurance Limit | Specific examples of insurance coverage |
| Medical Insurance | Unlimitedness | Hospitalization, nursing care, ambulance for hospitalization, MRI diagnosis, long-term care after discharge, prescriptions, etc. * Emergency dental treatment (up to 500 euros) |
| At the time of death | Unlimitedness | Transportation costs when transporting the body to your country. |
* If you are viewing on a smartphone, you can scroll left and right.
Genki is an overseas nomad insurance that specializes in medical insurance, so please keep the following points in mind when using it.
Disadvantages of Genki
- Plane cancellation, no compensation for lost baggage
- No coverage for theft, loss, or damage to personal belongings
- No compensation for travel interruptions
- If you subscribe while traveling, there is a 14-day waiting period
In particular, pay attention to the waiting period. The waiting period is the period after you have purchased insurance until you are eligible for coverage.
In other words, no compensation is applied during the waiting period.
* You cannot cheat by taking out insurance and receiving compensation after being injured or sick.
While other overseas nomad insurance policies have a waiting period of 72 hours, Genki has a waiting period of 14 days, so if you are considering using it, you need to plan your travel schedule with the waiting period in mind.
For more information about Genki, please refer to the following pages.
≫ Click here for the Genki official website
Summary: Nomad insurance recommendation is Safety Wing
When choosing overseas nomad insurance, there are not many options.
However, since the insurance contents are difficult to understand and the monthly cost is too high, it should be narrowed down to the following four insurance services in the end.
| Safety Wing | World Nomads | Heymondo | Genki | |
| Insurance (4 weeks) | ・$56.28 (not including the US) ・$104.44 (including the US) | ・$113.05 (not including the US) ・$130.16 (including the US) | ・$220.43 (not including the US) ・$265.07 (including US) | ・€48.3 (20s) ・€57.3 euros (30s) ・€72.3 euros (40s) |
| Medical Compensation | $250,000 | $5,000,000 | $5,000,000 | Unlimitedness |
| Emergency Transportation (Medical Return/Death Transport) | $20,000 | $500,000 | $500,000 | Unlimitedness |
| Dental treatment | $1,000 | $300 | $300 | $500 |
| Flight delays | $200 | $450 | $500 | Without |
| Damaged/stolen/lost personal belongings | Without | $1,700 | $2,500 | Without |
| Standby time | 0 hours | 72 hours | 72 hours | 14 days |
* If you are viewing on a smartphone, you can scroll left and right.
For example, medical coverage is lower than other insurance services, but I think $250,000 is enough.
However, if you are going to a country with high medical costs, such as the US or Canada, we recommend that you choose an overseas nomad insurance with a higher coverage amount, such as World Nomads.
We hope this page will help you choose your overseas nomad insurance!
