Which is the Best Travel Insurance for Nomads?
There are so many things to think about when you’re traveling or living abroad. Accommodation, transport, and even where to go are just a few. Insurance is something that people often overlook and don’t realize they need it until they actually need it! However, it is so essential for travelers and digital nomads alike. It’s recommended to buy travel insurance before you leave, but some companies let you buy it once you’re abroad.
Especially during these unknown times, wherever you are in the world, you want to make sure you are prepared. Having health insurance, travel insurance, or both is a great start to keep yourself safe.
There are tons of health and travel insurance options out there, so it can get overwhelming when it comes time to choose one. In this article, I will talk about Remote Health for Individuals, Nomad Insurance, and World Nomads. Remote Health for Individuals and Nomad Insurance are both offered by SafetyWing, which is a popular and known option. SafetyWing’s slogan is ‘for nomads, by nomads’ so you can guess why it’s an excellent option for digital nomads.
Not all plans are created the same, so you should check what each policy covers and does not cover. The price of a plan will also depend on your age, home country, and where you are traveling. How you tailor your policy, such as add-ons, will also affect the cost.
Travel & Remote Health Insurance Comparison Overview
You can find a table with an overview of each program below. To find out more details of each program, read on!
| Program | Who is it for | Price* | Important | COVID-19 coverage |
|---|---|---|---|---|
| Remote Health for Individuals (SafetyWing) | People, such as traveling nomads and remote workers, who need fully comprehensive global health care. | $153/month
Get a quote here |
Not available for Americans living in the USA and Canadians living in Canada. | Yes |
| Nomad Insurance (SafetyWing) | Built for Digital Nomads who have health insurance coverage in their home country but need coverage abroad while traveling. | $40/month
Get a quote here |
Includes travel and medical benefits. | Yes |
| World Nomads | Travel insurance for travelers, to cover trip essentials. | $120/month
Get a quote here |
Paused all sales except for United States residents. | Yes |
*These will vary
Remote Health for Individuals
Remote Health for Individuals is a recent offer from SafetyWing. Remote Health is global health insurance and was created as a response to the current pandemic. It’s an excellent solution for nomads and remote workers who need fully comprehensive global health care.
Remote Health offers worldwide coverage outside of your home country (excluding the USA, Singapore, and Hong Kong). It also covers you in your home country, except for Americans living in the USA and Canadians living in Canada. Remote Health does not include any travel benefits such as cancellations and delays.
You can tailor your plan with add-ons from
- Out-patient and prescriptions
- Dental
- $0 deductible & 0% co-pay
- Screenings and vaccines
- USA, Hong Kong, and Singapore coverage
Remote Health covers COVID-19. The coverage includes treatment, isolation, hospital cash benefits, and claims.
Currently, SafetyWing is offering a 15% discount for current Nomad Insurance customers, if you want to switch to Remote Health for a more comprehensive health plan.
Nomad Insurance
Nomad Insurance is SafetyWing’s original travel health insurance plan. Nomad Insurance covers medical and travel costs. You are covered for travel anywhere in the world outside of your home country. Travel costs include things such as travel delays, lost luggage, personal liability, and natural disasters – most of the things that could ruin a trip.
Medical costs cover if you get sick or have an accident. Nomad Insurance is available as a short-term plan if you are traveling around. You can also set up monthly payments until you pick an end date, so you are always covered! It should be noted that Nomad Insurance is not a primary health insurance.
COVID-19 is finally covered under Nomad Insurance, and if you’re already abroad, you can still sign up for Nomad Insurance to cover the rest of your trip.
World Nomads
World Nomads is a popular choice among travelers, as it has been around for a while. It’s a company promoted by many bloggers and travel companies. World Nomads is not the cheapest option, but it offers comprehensive coverage.
World Nomads offers two plan types, the Standard plan, and the Explorer plan. Both plans cover a variety of health and travel costs. These range from sickness expenses and emergency evacuations, to trip delays and cancellations. The Explorer plan provides a higher benefit limit than the Standard plan and covers a few extra areas. The plan you choose will depend on how you like to travel.
World Nomads also covers lost or stolen electronics. If you’re a digital nomad, you understand how important this is! Your laptop is the key to your travels, so you have to keep it safe.
It should be noted that World Nomads has paused all sales except for United States residents.
A message from the World Nomads website, “Due to coronavirus (COVID-19), and the travel restrictions imposed by a number of governments across the world, World Nomads has temporarily ceased issuing new policies for travel insurance.”
If your coverage has expired, check out SafetyWing for a plan that will work for you!
If you already have World Nomads, you’re able to make claims, specified in your policy, that are related to COVID-19.
BEFORE YOU GO
☑ Book your flight: If your flight isn’t booked yet – check out the flights on Skyscanner or via Google Flights. My top saving tip is flexibility. If you’re flexible, you should be able to find a cheaper flight.
☑ Book your accommodation: I always use Airbnb and Booking.com. If you’d rather stay in a hostel, you should take a look at the options on Hostelworld. If you click on the Airbnb link and you don’t have an account yet – you’ll get a $30 discount on your first booking.
☑ Protect your cute face: Oh, you may want to protect your cute face with a travel medical insurance.
☑ Pack the essentials: You can consult this list when it’s time to pack your bag! Do not leave without a universal charger, a power bank and your passport!
☑ Do you need a visa? If you aren’t sure if you need a visa, it would be a smart idea to take a quick look before you go. You can use iVisa – it’s super useful and easy to use.
Disclaimer: This post may include affiliate links. If you click one of them, we may receive a cute commission at no extra cost to you. Thank you.
Comments
Post a Comment