If you’re a digital nomad, you know the drill – finding reliable travel insurance is a must! World Nomads vs. SafetyWing are two top choices, especially for anyone living that work-from-anywhere lifestyle. With 2024 here, many folks are wondering which is the better pick. No worries, we’ve got your back! Look at the details of each plan so you can pick the one that fits your budget and needs.

Let’s dive in and see which suits digital nomads and frequent travelers best.


What is World Nomads?

Traveller Simon Monk founded World Nomads in 2002, and it has become a leading travel insurance company known for its flexibility and comprehensive coverage options. Catering to adventurous and independent travellers from over 140 countries, World Nomads offers protection against unexpected overseas medical expenses and emergency evacuations. It also covers lost or damaged baggage and trip cancellations.

The company covers various adventure activities frequently excluded by other insurers. With 24/7 multilingual emergency assistance and a focus on responsible and sustainable travel practices, World Nomads ensures travellers are well-covered for a wide range of incidents and activities that other insurers might exclude. You can also click here to read our detailed review for more information.

World Nomads vs. SafetyWing


Benefits of Choosing World Nomads

When you choose World Nomads as your travel insurance provider, you enjoy many benefits that meet the diverse needs of modern travellers. With its reputation for reliability and customer satisfaction, It provides peace of mind to travellers worldwide. Its range of customizable policies ensures that individuals can find the perfect coverage for their unique journeys.

Here are some key advantages of opting for travel insurance:


  • Comprehensive Coverage – It offers extensive coverage for travel-related incidents, including medical emergencies, trip cancellations, baggage loss, and personal liability, ensuring travellers are protected against unforeseen circumstances during their journeys.


  • Coverage for Adventure Activities – World Nomads offers specialized coverage for adventurous activities, including hiking, skiing, scuba diving, and more. Ensuring that thrill-seekers can pursue their passions with peace of mind.


  • 24/7 Emergency Assistance – With round-the-clock emergency assistance services, World Nomads offers travellers prompt support and guidance in accidents, medical emergencies, or other unforeseen circumstances. No matter where they are, providing reassurance.


  • Flexibility and Customization – It offers flexible policies tailored to individual preferences and requirements, allowing travellers to customize their coverage based on trip duration, destination, and activities. They are tailoring coverage to specific travel plans.



Customer Ratings of World Nomads

Customers consistently give World Nomads favourable reviews, earning a Trustpilot rating of 3.4 out of 5 stars from thousands of reviews and responding impressively to 98% of negative feedback. Over 85% of reviews on their site are rated ‘Excellent‘ or ‘Great.’ This vital customer feedback underscores their reputation for reliability and customer satisfaction in the travel insurance industry.

It reflects well on their customer service and ease of making claims, as travellers appreciate the comprehensive coverage and the convenience of purchasing insurance and making claims while moving. The 24/7 emergency assistance is frequently highlighted, offering customers added peace of mind during their travels. Commitment to customer service shines through proactive issue resolution.

Also read: Japan Digital Nomad Visa Applications Set to Launch in March


What is SafetyWing?

By introducing a user-friendly subscription model, SafetyWing has revolutionized travel insurance for digital nomads, remote workers, and those on extended trips. It has quickly expanded since its early days, catering to customers in more than 130 countries. They offer extensive coverage for medical costs, travel delays, and lost luggage, ensuring travellers are well-protected on their journeys.

Its policies are designed to provide peace of mind with coverage that includes COVID-19, a crucial factor for today’s travellers. With premiums starting as low as $40 for four weeks, they make affordability a vital part of their appeal, ensuring that comprehensive coverage is accessible to a broad audience. You can also click here to read our detailed review for more information.


Benefits of Choosing SafetyWing

When you choose SafetyWing as your travel insurance provider, you receive several benefits tailored to the needs of modern nomadic travellers. With its commitment to simplicity and accessibility, It streamlines the insurance process, allowing travellers to focus on their adventures rather than bureaucratic hassles. 

Here are some key advantages of opting for travel insurance:


  • Affordability – It provides budget-friendly insurance options suitable for digital nomads and long-term travellers, offering essential coverage at a competitive price point, making it accessible to a broader range of travellers regardless of their budget constraints.


  • Global Coverage – It offers coverage worldwide, allowing travellers to explore a wide range of destinations without the hassle of purchasing additional insurance for each location, providing seamless protection across various international borders.


  • COVID-19 Coverage – SafetyWing actively includes coverage for COVID-19-related medical expenses. Providing peace of mind to travellers navigating the complexities of the ongoing pandemic and ensuring they’re covered for any unforeseen health-related expenses associated with the virus.


  • Flexibility – Its flexible policies allow travellers to extend their coverage on the go, making it ideal for those with unpredictable travel plans or uncertain durations, ensuring that travellers can adjust their insurance to match their evolving needs throughout their journey.



Customer Ratings of SafetyWing

Customers frequently praise SafetyWing for its affordability and exceptional customer service, leading to positive feedback. Its subscription model, celebrated for its convenience and flexibility, is especially favoured among those with indefinite travel plans or unpredictable itineraries. The innovative approach to travel insurance resonates well with digital nomads and long-term travellers seeking adaptable coverage options.

With a Trustpilot rating of 4.1 out of 5 stars from thousands of reviews, 949 over 85% of customers express satisfaction, highlighting an easy claims process and responsive support despite some coverage limitations and geographic restrictions. SafetyWing’s ability to process thousands of claims annually, with a high approval rate for reimbursement, further establishes its reliability in the travel insurance market.


Comparison of World Nomads vs. SafetyWing Pricing Models

At World Nomads, the traditional upfront payment model determines the cost based on your trip’s duration and destination, your age, and the chosen level of coverage. SafetyWing, on the other hand, offers a monthly subscription model, which can be more affordable and flexible for long-term travelers.

Here is a pricing comparison of World Nomads vs. SafetyWing:


Feature World Nomads  SafetyWing
Pricing Model Trip-based. You pay for the specific duration of your trip. Subscription-based. You pay a recurring monthly fee for continuous coverage.
Starting Price Approx. $120+ per 4 weeks (varies highly based on factors) Approx. $45+ per 4 weeks
Best For Short-term trips, higher coverage needs, adventurous activities Long-term travel, budget-conscious travelers
Coverage Two plans: Standard & Explorer (more comprehensive) Single plan with customizable add-ons
Deductible Varies by country of residence. It can be $0 for US residents $250 deductible for all customers
Age Considerations Prices increase with age No price change based on age
Home Country Visit Coverage Limited coverage during visits back home (1-2 weeks, depending on plan) Up to 30 days in your home country every 90 days of coverage


Important Factors to Consider


  • Trip length – SafetyWing’s subscription model is ideal for extended travel, while World Nomads’ trip-based option is better for single trips.
  • Coverage needs – World Nomads offers more comprehensive coverage and higher limits, especially for adventurous activities.
  • Price – SafetyWing is significantly more affordable in most cases.
  • Flexibility – SafetyWing offers flexibility with its easily adjustable subscription model and home country coverage.


Additional Notes – 


  • Prices for both companies are highly dependent on several factors: age, destination, trip length, and chosen coverage options.
  • Getting quotes from both providers and comparing specific benefits is crucial before deciding.


Please visit the websites today if you know the latest pricing and fee information. 


Getting Quotes




Coverage Comparison of World Nomads vs. SafetyWing

Before exploring the specifics, understanding the critical components of travel medical insurance is essential –


  • Emergency Medical Coverage – Pays for costs related to accidents, sudden sickness, or injuries that occur while travelling.
  • Medical Evacuation/Repatriation – Covers transportation to a suitable medical facility or back to your home country.
  • Trip Cancellation/Interruption – Reimburses you for pre-paid expenses if your trip is cancelled or cut short due to covered reasons like illness or family emergencies.
  • Baggage/Gear Coverage – Pays for lost, stolen, or damaged belongings.



World Nomads




Strengths – 

  • Extensive coverage for adventurous activities
  • Robust gear/luggage coverage
  • Well-respected with positive customer experiences


Limitations –

  • Generally more expensive
  • May have age and residency restrictions







Strengths – 

  • Budget-friendly, subscription-based model
  • Includes some home country coverage
  • Coverage for remote work equipment


Limitations – 

  • $250 deductible for medical expenses
  • Less comprehensive gear coverage


Here are the coverage comparisons of World Nomads vs. SafetyWing – 


Feature World Nomads SafetyWing
Type Traditional, per-trip coverage plans Subscription-based
Cost Higher More affordable
Emergency Medical Up to $5 million (plan dependent) Up to $250,000
Medical Evacuation/Repatriation Included Included
Trip Interruption/Cancellation Included Not included
Gear Coverage Robust coverage options Limited coverage
Adventure Activities Excellent coverage Good coverage for many activities
Home Country Coverage None Limited short-term coverage


Choosing the Right One for You

Consider these factors when making your decision –


  • Budget – If cost is a significant concern, SafetyWing’s monthly subscription is more budget-friendly.
  • Activities – Heavily into adventurous activities? World Nomads usually excel in this area.
  • Gear Importance – World Nomads offers more extensive gear coverage if you travel with expensive equipment
  • Trip Length – SafetyWing’s subscription model is great for long-term travel. World Nomads is better for single trips.
  • Home Country Visits – SafetyWing offers brief coverage for visits back home.


Important Notes


  • Always carefully read policy details before you buy to ensure the coverage aligns with your needs.
  • Consider add-ons (offered by both companies) to fill potential gaps.
  • Travel insurance only covers some things! Know the exclusions and limitations.


Recommended read: 12 Must-Have Wellness Travel Essentials for Digital Nomads and Remote Workers


Legal Compliance and Trustworthiness

World Nomads vs. SafetyWing, both reputable travel insurance companies, meet international standards and have the backing of established insurers for legal compliance and trustworthiness. World Nomads, which has been operational since 2002, boasts extensive experience and longevity, while SafetyWing, founded in 2012, has rapidly gained popularity as a trusted option for travelers.

Their commitment to offering flexible and comprehensive coverage options caters to the evolving needs of digital nomads and long-term travelers. With customer-centric approaches, both companies prioritize the safety and satisfaction of their clients, ensuring a wide array of travel needs are met with efficiency and reliability. Global adventurers and professionals favour choices in travel insurance.


Which is the Best Choice for 2024: World Nomads vs. SafetyWing?

The choice between World Nomads vs. SafetyWing largely depends on your travel needs and budget. If you’re looking for comprehensive coverage that includes a wide range of adventure activities, World Nomads might be the better choice. World Nomads is also ideal for those who prioritize having extensive support for various potential travel mishaps, ensuring peace of mind on more adventurous journeys.

On the other hand, if you value flexibility and affordability, particularly for longer trips or an uncertain itinerary, SafetyWing’s subscription model may be more appealing. SafetyWing stands out for digital nomads and those who prefer a minimalist approach to insurance, offering essential coverages at a cost-effective rate, making it suitable for extended travel or living abroad.

Related: Outdoorsy Review: Trusted RV Rentals for Digital Nomads and Travelers


To sum up,

World Nomads vs. SafetyWing both offer compelling travel insurance options for 2024. Consider your travel plans, activities, and budget when choosing the ideal insurance provider for your upcoming adventure. Whether you prioritize extensive, comprehensive coverage or value affordability and flexibility, both companies provide innovative solutions catering to the diverse needs of modern travellers.

Remember, selecting the right digital nomad insurance plan is entirely up to you. Make an informed decision, and here’s to safe and joyful journeys ahead!


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