Choosing the right travel insurance can be a daunting task, especially with so many options like SafetyWing and World Nomads vying for attention.
As a frequent traveller and sometimes digital nomad, I know how crucial it is to have reliable coverage that doesn’t break the bank.
If you’re like me, you’ve probably scoured the internet, wondering which one truly offers the best protection for your adventures.
In this article, I’ll compare SafetyWing and World Nomads side by side, diving into their features, pros and cons, and ultimately revealing why I believe SafetyWing is the top choice for travellers and digital nomads.
Whether you’re planning a short vacation or a long-term remote work stint, this guide will help you make an informed decision and travel with peace of mind.
This post may contain affiliate links, meaning I get a commission if you decide to purchase something through the links, at no additional cost to you. Read my Affiliate Disclosure.
SafetyWing vs World Nomads: Side-by-Side Comparison
Think of SafetyWing and World Nomads as the Netflix or Spotify of travel insurance and remote health.
It uses a subscription-based payment every month. Complete flexibility that is easy and simple to use.
What is the monthly price?
| SAFETYWING | DIGITAL NOMADS |
| $45 USD/4 weeks | $120 USD/4 weeks |
What is covered?
| SAFETY WING INSURANCE | DIGITAL NOMADS INSURANCE |
| Unexpected illness or injury abroad | Unexpected illness or injury abroad |
| Hospital, doctor, dental and prescription expenses | Hospital, doctor, dental and prescription expenses |
| Emergency evacuation | Emergency evacuation |
| Travel delays out of your control up to $5,000 | Travel delays out of your control up to $2,500 |
| No Trip cancellation | Trip cancellations up to $2,500 |
| Only lost checked luggage is covered up to $3,000 | Only lost checked luggage is covered up to $1,000 |
| Personal liability coverage = $10,000 | Personal liability coverage = none |
What is not covered?
| SAFETY WING INSURANCE | WORLD NOMADS INSURANCE |
| Routine check-ups and preventative care | Routine check-ups and preventative care |
| Pre-existing conditions, like cancer treatment | Pre-existing conditions, like cancer treatment |
| The current cut-off is 70 years of age | The current cut-off is 70 years of age |
Where are you covered?
| SAFETY WING INSURANCE | WORLD NOMAD INSURANCE |
| Everywhere * | Everywhere * |
Is equipment covered?
| SAFETYWING INSURANCE | WORLD NOMADS INSURANCE |
| Yes, Smartphones, Tablets, Computers, Laptops, Camera, and camera gear (if in checked baggage) | Yes, Smartphones, Tablets, Computers, Laptops, Camera, camera gear (no restrictions) |
Are adventure sports covered?
| SAFETYWING INSURANCE | WORLD NOMAD INSURANCE |
| Some, adventure sports and activities, but not all | Yes, most are only covered by the Explorer package |
What are the plan options?
| SAFETY WING | WORLD NOMADS INSUARNCE |
| Super simple – all coverage is offered in one plan | Choose from the Standard Plan or the Explorer Plan |
| Buy coverage abroad and extend as much as you need while travelling | Buy coverage abroad and extend as much as you need while travelling |
What are their customer ratings?
| SAFETYWING | WORLD NOMAD |
| ⭐⭐⭐⭐ | ⭐⭐⭐ |
| ✅Positive customer experience ✅Quality for the low cost of insurance | ✅Benefits of offering two-tiered plans ✅High cost |
| SafetyWing reviews on TrustPilot | World Nomads reviews on TrustPilot |
World Nomads vs Safetywing: Pros & Cons
| SAFETYWING | NOMADS INSURANCE |
| PROS ➕best price for coverage being offered ➕worldwide and home coverage ➕includes family members (up to 2 children under 10 years old) ➕COVID-19 travel insurance protection | PROS ➕best price for coverage being offered ➕ Worldwide and home coverage ➕includes family members (up to 2 children under 10 years old) ➕COVID-19 travel insurance protection |
| CONS ➖limited coverage for high-risk sports ➖checked baggage coverage only for electronic gear | CONS ➖expensive ➖doesn’t offer home-country coverage ➖doesn’t offer COVID-19 coverage ➖doesn’t include other family members |
Digital Nomads Insurance
I recommend SafetyWing because of its exceptional value! Being a solopreneur and living in Berlin for 3 months I chose SafetyWing Insurance.
About SafetyWing Insurance
SafetyWing Insurance is “for nomads, by nomads” – primarily designed to meet the medical and travel needs faced by digital nomads and remote workers while they are outside of their home country.
Their goal is simple- to build a global safety net for digital nomads and remote workers at an affordable cost.
Even though Safety Wing is a rather new company, they are backed by one of the most solid insurance companies in the world, Tokio Marine.
What makes SafetyWing Travel Insurance stand out from the rest?
SafetyWing travel insurance strives to offer a high-touch customer experience. And that level of service extends well beyond any claims or inquiries.
SafetyWing is a real community builder.
They want to develop strong social bonds by hosting events, both online and in-person. They host events in cities around the world allowing members to feel connected to each other.
Safetywing creates an experience of always having your village nearby, wherever you might be in the world.
They believe that it’s through this social connection, bridging like-minded people together to create this sense of community. Don’t you just love that?!
Does SafetyWing cover Canada?
For my fellow Canadians, there are some important restrictions for us.
Under Canadian law, you can only purchase SafetyWing nomad insurance when physically outside Canada.
When you return home, although the plan covers an additional 30 days, it will stop due to our superior health coverage. Safety Wing Canada is not primarily a health insurance policy.
Who is using SafetyWing travel insurance?
The biggest consumer for SafetyWing travel insurance is digital nomads due to its flexibility.
The coverage is intended for long-term travellers who don’t need much in the way of trip interruption or cancellation coverage which makes it the best choice for digital nomads insurance.
Did you know that worldwide there are 35 million digital nomads in 2021? That is the fastest-growing global workforce trend.
If you are a digital nomad, it means you are someone who works remotely and is frequently travelling from one place to the next.
FAQ: Digitial Nomads Insurance
What should I be looking for when buying travel insurance?
🗸Emergency medical and dental expenses
🗸Hospital room and board
🗸Local ambulance
🗸Outpatient care
🗸Emergency evacuation
🗸Crisis response in case of emergency (terrorism, kidnapping, etc)
🗸Natural disaster coverage
🗸Return of remains
🗸Adventure activities
🗸Coverage of your belongings (electronics)
What are some digital nomad insurance tips?
🗸Read the fine print carefully.
🗸Even when there is comprehensive coverage, know every detail.
🗸Find out what coverage you already have and determine what’s missing or where you might need extra coverage.
🗸Know how the plan works, so that in the event of an illness or emergency, you already know what to do and follow their claim process.
🗸Keep copies of all receipts and related information.
Is travel insurance worth it?
Final Thoughts
Travel insurance is not exactly the most exciting part of trip planning but it might be one of the most important.
Think of buying travel insurance as an investment, it’s your safety net to guard against unplanned events or accidents. Hopefully, you’re likely never to need it, but when you do, you’ll be so glad you did.
Looking for unlimited data on your travels? Check out my recommended eSIM provider, Holafly, for hassle-free connectivity anywhere in the world. Get unlimited data without the need for physical SIM cards—perfect for digital nomads and frequent travellers.
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