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Best Travel Insurance Compared: Best travel insurance for Digital Nomads and Travel Insurance Compared

Best travel insurance for digital nomads - travel insurance compared - safetywing, heymondo, world nomads, faye insurance, battleface

Best Travel Insurance Compared – Health, Medical, and Travel emergencies are important factors to consider no matter the length of your travel. Whether you’re traveling solo, with a partner or friends, or with your family and kids, travel insurance is a requirement when traveling overseas and an urgent matter that you need to look into before you begin any trip. Read here Heymondo vs Safetywing cheapest travel insurance and Safetywing vs World Nomads

In this post, we look at some of the best travel insurances online – Safetywing, World Nomads, Heymondo, and new players like Faye and Battleface. We compare these travel insurance’s coverage, pricing, and important trip features that can improve your travel experience.

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What to Look for in a Good Travel Insurance

When you’re looking for insurance you need to consider the following:

  1. The length of the trip you’ll be doing or how often do you travel
  2. The countries you’ll be going to
  3. The type of trip you’ll be doing – Adventure, water sports, water activities, mountain climbing, or more.
  4. The type of luggage you’ll be bringing, do you have expensive devices – cameras, laptops, drones, and more
  5. Will you be bringing luxury items – expensive clothes, jewelry
  6. Will you need insurance just for you or will you be traveling with more people
  7. Will you be traveling with minors
  8. Is there any special protocol happening in the place you’ll be traveling to – Covid 19 Protocols for example
  9. Will you be traveling with pets
  10. Would you like any add-ons: Travel cancellations, travel delays, interruptions, changes in schedule
  11. Deductibles
  12. Full coverage details – medical and emergency

The items above are important points to consider when you are getting your travel insurance as not all insurances cover the same.

Best Travel Insurance Compared: Safetywing

Safetywing Travel Insurance Review

Best travel insurance for digital nomads - travel insurance compared - safetywing, heymondo, world nomads, faye insurance, battleface

SafetyWing is a travel medical insurance set to help cover the needs of digital nomads and travelers while they are outside their country. The best thing about it? The insurance is infinite, so you can actually have it continuously. 

How is that possible?

SafetyWing’s biggest selling point is its subscription model. You pay $42* every 4 weeks of insurance to get your travel medical insurance covered while you are outside your home country. This insurance is perfect for travelers and digital nomads who travel for a really long time, and gets paid on the road, meaning you are working online or freelance and your regular health care cannot cover you. You’ll need to pay extra if you need your Safetywing insurance to cover the United States.

Your subscription continuously renews, unless you cancel it, just like any other subscription. This will continue for 364 days. When signing up, you also have the option to have insurance with an end date, so you can pay just for that specific period, in case you don’t need a full year of coverage.

After 364 days (for the continuous subscription), you’ll have to sign up for a new plan. You can get covered infinitely (as long as you continuously pay), or you can stop it, you have the choice.

When you go home, you are covered in your home country for 30 days, for every 90 days of subscription to the SafetyWing insurance, or 15 days if you are from the US. 

For the above home country coverage to work, you need to have been continuously subscribed to one insurance plan (no renewals in between) for 90 days before heading to your home country.

Safetywing, which has just gotten its next set of investment, was founded by digital nomads themselves, who understands the needs of other digital nomads when it comes to health care and insurance. 

SafetyWing, which now competes with World Nomads, the only other travel medical insurance for digital nomads, has the advantage of having competitive fees. You’re covered for almost everything that you will truly need (insurance-wise) while you’re staying in another country. 

Best travel insurance for digital nomads - travel insurance compared - safetywing, heymondo, world nomads, faye insurance, battleface

Here are the main coverage features of SafetyWing:

  1. Travel delays out of your control (does not include missed flights).
  2. Only lost checked luggage is covered, and no expensive electronics like laptops, GoPro cameras, iPads, tablets, cameras, lenses, etc.
  3. Worldwide coverage except for North Korea, Cuba, and Iran, and coverage in the US costs an extra $31/4 weeks
  4. 30 days for every 90 days of medical coverage in your home country – unless you’re a US citizen – if the US is your home country you get 15 days of coverage for every 90 days you’re there (a rarity for travel insurance)
  5. Health coverage for unexpected injuries and illnesses; hospital stay, prescriptions, doctors, and emergency medical evacuation (extraction), only acute onset of pre-existing conditions are included in some cases
  6. Not covered: Pre-existing conditions, cancer treatment, routine checkups, preventative care and there’s limited coverage for sports and adventure activities
  7. Medical and hospital fees, $250 deductible, excluding routine checkups and treatments that have been there before the insurance started
  8. Travel insurance like delayed and canceled flights, but not missed flights 
  9. Children up to 10 years old are covered for free under Safetywing, one kid per one insured adult.

The overall maximum limit is $250,000 and SafetyWing co-insures to pay 100% of eligible expenses after deductibles.

In every insurance, contacting SafetyWing, or any other company for that matter is very important. Coverage dates are very important, and you need to be sure about them once you start to send your application. 

Safetywing – Pros and Cons

Safetywing is perfect if you are under 40 years old. Their pricing is competitive for this range of age. Safetywing’s prices are the best especially if you travel with a kid up to 10 years old, who can get covered for free! There are a lot of risky activities that are included in Safetywing’s plans as well, without extra charge. And you can book for 28 days at a time, for a cheaper price.

One of the cons we see with Safetywing is that if you have a problem, and need medical assistance immediately, you’ll have to put your money first and there is no 24/7 support like with Heymondo.

Heymondo Review – Travel Insurance for Digital Nomads

Why You Should Get Heymondo Travel Insurance – Best Travel Insurance Compared

Best travel insurance for digital nomads - travel insurance compared - safetywing, heymondo, world nomads, faye insurance, battleface

Heymondo right now is the best value for the money I would say especially if you are older than 40 years old and you aren’t traveling with kids.

The best thing about Heymondo Travel Insurance for us is the No out-of-pocket medical expenses apart from great coverage with devices and baggage, Heymondo App assistance 24/7 which is really amazing, and of course, their competitive prices.

These prices mentioned below are for the basic medical expenses but you can upgrade for a $10-20 USD extra per month if you would love your coverage to have more features.

Heymondo Travel Insurance prices valid for 90 days are so competitive. This is Heymondo’s Long Stay Plan. If you are coming from Europe/UK, for example in Spain, you will pay around $45 USD per person valid for 30 days. It means for $135 USD you will get your Travel Insurance with Heymondo valid for 90 days. For even cheaper, you can book here with Heymondo discount code.

Here’s another example. Let’s say you are coming from Canada or the Philippines, like Rachel. Heymondo Travel Insurance prices are similar and you will have to pay $140 USD for 90 days for a travel insurance with Heymondo.

If you are from the United States you will pay $260 USD for 90 days which is $85 USD per person for 30 days. You can get even cheaper if you book here with Heymondo discount code!

Heymondo vs Safetywing: Cheapest Travel Insurance Comparison

PROS AND CONS HEYMONDO

With Heymondo, our favorite thing is that if you are over 40 years old, you get a better price than Safetywing, especially if you have a problem or accident during your trip. It’s also an incredible plus that you have access to their Heymondo Assistance Chat 24/7, plus without a need to put money in advance when you need medical assistance.

Another plus is that with Heymondo, you can include optional devices and gadgets insurance (add it to any of your plans) that can cover gadgets and devices that can be broken or stolen during your trip. This is a big plus because a lot of devices and gadgets right now are pricey and valuable to your trip. Insuring gadgets and devices are something we truly miss with Safetywing’s travel insurance.

Another pro that we love about Heymondo is their Trip Cancellation feature. If you subscribed to Heymondo’s travel insurance in advance and you had to cancel due to unforeseen circumstances, they’ll offer you a refund, no questions asked.

World Nomads – Travel Insurance Comparison

Best travel insurance for digital nomads - travel insurance compared - safetywing, heymondo, world nomads, faye insurance, battleface

Currently, World Nomads is not supporting travel insurance for residents of all countries. So for the purposes of this travel insurance comparison review, we will look at coverage for a few residents.

If you’re a resident of the United States, this is what World Nomads Travel Insurance covers:

World Nomads has two travel insurance plans, Standard and Explorer. You can see the coverage below.

Best travel insurance for digital nomads - travel insurance compared - safetywing, heymondo, world nomads, faye insurance, battleface

What is Faye Travel Insurance – Travel Insurance Compared

Best travel insurance for digital nomads - travel insurance compared - safetywing, heymondo, world nomads, faye insurance, battleface
Faye Travel Insurance is one of the newest travel insurance for digital nomads now available in the market. Travel Insurance compared

Faye Travel Insurance is one of the newest travel insurance in the market that aims to change the travel insurance game.

Faye Travel Insurance Review – Faye is one of the newest travel insurance in the market that promises to remove all the tiresome processes of getting travel insurance. So today, we give you a Faye Insurance Review so you can find out if it’s the one that covers all your travel needs.

Get a Quote for your Travel Insurance Here

When you’re looking for insurance you need to consider the following:

  1. The length of the trip you’ll be taking or how often do you travel
  2. The countries you’ll be going to
  3. The type of trip you’ll be doing – Adventure & extreme sports, international vs. domestic, hotel or vacation rental, or more.
  4. The type of luggage you’ll be bringing, especially if you have expensive devices – cameras, laptops, drones, and more
  5. Will you be bringing luxury items – expensive clothes, jewelry
  6. Will you need insurance just for you or will you be traveling with more people
  7. Will you be traveling with minors
  8. Is there any special protocol happening in the place you’ll be traveling to – COVID-19 protocols, for example
  9. Will you be traveling with pets
  10. Would you like any add ons: Cancel for any reason, Car rental, Vacation rental damage protection, Pet care, Adventure & extreme sports protection
  11. Deductibles
  12. Full coverage – medical and emergency

The items above are important to consider when you are getting your travel insurance as not all insurances cover the same. 

What is included in the Insurance: Faye Travel Insurance Coverage

Faye Travel Insurance helps cover your medical needs, and travel needs, with luggage cover.

Medical Coverage

Medical coverage with Faye includes medical expenses in-trip, repatriation or flying you home when you need medical help, and includes Covid-19 insurance (with the virus covered like any other illness) which includes hospitalization, lodging for quarantine and prescriptions.

Travel and Trip Coverage

Travel coverage with Faye includes coverage for travel interruptions, delays and travel cancellations.

Luggage Coverage

Faye has coverage for delayed luggage, lost and damaged luggage, and pretty much anything that makes your trip bad.

Coverage inclusions – Travel Insurance Compared

Faye Travel Insurance - Faye Travel Insurance Review and why it could be the travel insurance good for you.

Let’s look at the coverage inclusions and breakdown Faye Travel Insurance.

Coverage for your health per person – Travel insurance compared

COVID-19 in-trip coverage:

Emergency medical expenses and trip interruption expenses if you become ill with COVID-19 in-trip and need to stay longer, or leave earlier than expected.

Emergency accident & sickness medical expenses:

Up to $250K is covered, offered on a primary basis, which means we will be the first to reimburse.

Pre-existing medical conditions:

You are covered as long as you purchase your plan within 14-days of purchasing your trip and are medically able to travel when you purchase.

Emergency medical evacuation expenses:

Up to $500K

Coverage for your trip per person

Trip cancellation: Pre-departure coverage per trip if your trip is canceled for covered reasons

Faye covers up to 100% of your trip’s non-refundable costs, up to your policy limit.

Trip interruption: When you must unexpectedly cut your trip short or extend it

Faye covers up to $6,000, which is 150% of your policy limit’s non-refundable trip costs per trip, including unused trip costs & additional transportation expenses.

Trip delay: When you’re stranded in transit due to reasons outside of your control

We reimburse up to $300/day in expenses if you’re delayed 6 hours or more (capped at $4,500) and if there’s a flight delay, you’ll get an additional $200.

Trip inconvenience:

Up to $200 for each trip inconvenience you experience, capped at $600

Missed trip connection:

Up to $200 if your delay of 3 hours or more causes you to miss your connection

Non-medical emergency evacuation:

Up to $100K

Coverage for your stuff per person

Lost or damaged baggage:

Up to $2K (capped at $150 per item)

Lost or damaged sporting and professional equipment:

Up to $1,250

Lost passport or credit cards:

Reimbursement of $50 for each

Baggage delay:

Receive $200 if your bags are delayed for 6 hours or more without a receipt and up to an additional $300 if it’s been 12 hours or more and you have a receipt

Faye Travel Insurance Add Ons that you can add to your Travel Insurance Plan

Faye Travel Insurance Add ons: Travel Insurance Compared

Take note that the prices below and shown in the image are all based on the trip example we created. The add on prices change based on the type of trip you’re having, so best to plot your trip with Faye to get a personalized insurance cost. 

Cancel for any reason

$79.30

Cancel your trip for any reason (up to 48 hours prior to your scheduled departure date) and receive up to 75% of non-refundable trip expenses back. This is only available if you’ve made the first payment towards your trip within 14 days of purchasing your policy.

Car rental care

$6.95/day

Be reimbursed up to $50K in accidental damage and theft related to your rental vehicle.

Adventure & extreme sports

$84.43

Coverage for medical-related expenses if you become injured while participating in adventure or extreme sports as defined in the plan (under the Accident and Sickness Medical Expense Benefit) on the same basis as all other injuries.

Vacation rental damage protection

$15.62

Coverage of up to $3,000 if you unintentionally, due to events outside of your control, damage the vacation rental property you’re staying in or its contents, while in-trip. Faye will reimburse you for repair or replacement costs.

Pet care

$23.25

Be reimbursed up to $2,500 in veterinary expenses and $250 for kenneling if you arrive back home later than expected.

Travel Insurance Pricing

Faye Travel Insurance Pricing

We went to the Faye Travel Insurance website to test the pricing of their insurance. In the example above, you can see an insurance coverage for $42 days for one person, for $201.62, which includes coverage for various countries in Southeast Asia, and we also added Dubai and Qatar, in case those are countries you will pass through.

You can go and make a sample trip calculation below and see how much your travel insurance will end up. The good thing here is that you’ll see the estimated trip cost to which you can be reimbursed in the case your trip gets cancelled.

GET PERSONALIZED PRICING FOR YOUR TRAVEL INSURANCE HERE

Once you click the button above, you’ll be guided through just a few questions where you’ll have to give details about your trip. These questions are very conversational, nothing with heavy jargon or mumbo jumbo, so you can easily write the details of your trip to get a personalized quotation in under 60 seonds.

There will be a screen at the end that will allow you to include add on costs for additional features that you want added to your travel insurance policy.

Who is Faye Travel Insurance Good For

Faye Travel Insurance is really good for someone who wants to be fully covered for everything they will ever need help with medically and emergency wise in their trips. The features are robust, and the company offers 24/7 customer experience (real humans) available around the clock via phone, email, Whatsapp and the chat function within the Faye app.   That means you can just relax on your trip knowing that what you’ll need will be covered.

Check here to see everything your Faye Travel Insurance will cover, in detail.

And for those who enjoy mobile-friendly products, they’ll love Faye as their iOS and Android app enable you to protect your trip, chat with their customer service team, file claims and even be reimbursed to Faye Wallet, the company’s secure, easy to use, digital payments card that works just like Apple Pay and Google Pay. Receive instant reimbursements to Faye Wallet rather than paying for unexpected costs out of pocket, or if you prefer, transfer the funds directly to your bank account rather than waiting for your reimbursement via snail mail. 

Pros and Cons of Faye Travel Insurance

Pros of Faye Travel Insurance – Travel Insurance Compared

A good reimbursement for travel cancellation, Covid-19 coverage, repatriation, travel delay or damage, emergencies even lost passport reimbursements! Faye Travel Insurance is extensive and it gives valuable add ons that can cater to some special needs like traveling with a pet, extreme sports and even vacation rental damage protection.

It’s product is mobile-friendly, tech-driven and fast, and Faye’s coverage is easy to understand, in celar English.

We think that Faye is very forward thinking when it comes to the needs of today’s  modern traveler.

Cons of Faye Travel Insurance

Of course, even if Faye comes close to a perfect travel insurance, there might be some situations that you need a few more extra things. Traveling with a kid for example is not free. Make sure you are clear with what you need so you can find the right plan for your travel insurance needs.

GET A PERSONALIZED COMPUTATION FOR YOUR TRAVEL INSURANCE HERE

Final Thoughts on Faye

Faye Travel Insurance is definitely a travel insurance we can recommend and we’re excited to get started on this plan ourselves on one of our next trips! If you’re looking for a complete plan that includes not only medical help but customer service 24/7, travel ease like luggage protection and insurance for delays and trip cancellations, you really need to check out Faye Travel Insurance.

Hope we answered all your questions in this review! Send us a comment or email us if you have any questions. Safe travels! 

Battleface – Digital Nomads Travel Insurance Review / Travel Insurance Compared

Battleface is one of the newest players in the travel insurance scene, which provides single-trip insurance cover.

With the exception of Personal Accident, Personal Liability, Hospital Benefit and Trip Interruption, all benefits are subject to an excess (aka, the decutilbe, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

As you go through our purchase path, you will find an Add-ons section, where you can choose your own limit for Personal Accident and Baggage. You can also choose to add Winter Sports and Business Extension cover.

This page is only a summary of our programme. Please read the policy carefully to fully understand the coverage, terms, conditions, limits, and exclusions. This summary does not replace or change any part of the policy. If there is a conflict between this summary and the policy, the policy will control. Based on your primary country of residence.

All benefits and limits are per person, available in USDGBP and EUR currencies. This product cannot be purchased more than 364 days in advance.

Highlights of the Battleface Travel Insurance Benefits:

BenefitsLimits
Trip Interruption2,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains10,000,000 (excess 250)
Hospital Benefit25 per day, maximum 100
Personal Accidentup to 5,000
Baggage Loss or Delayup to 2,000 (excess 250 or 50)
Personal Money and Passport500 (excess 250) *** Limited to 250 in respect of cash
Personal Liability500,000
Optional BenefitsLimits
Business Extensionup to 1,000 (excess 100)
Winter Sports (Ski Equipment)up to 750 (excess 50 or 100)
Personal Accidentup to 250,000
Baggageup to 10,000

Important notes:

  • Winter Sports optional cover, where selected, does not extend to the Personal Liability benefit under Section G of the policy
  • Travelers up to the age of 79 can purchase this product. Cover for illness is not available for those aged 75 years or over

Final Thoughts – Travel Insurance Compared

We’d say all travel insurances mentioned above have their own pros and cons. There is no perfect travel insurance that fits all types of travelers, so you’ll need to get one that covers the needs that are important for you.

For example, if you’re traveling with kids 10 years old and below, it’s really good to go for Safetywing as kids are covered for free (one kid, per one paying adult).

If you’re a constant traveler but also go home every few weeks or even months and are looking for a more annual plan rather than a monthly subscription, you might want to check Heymondo plans.

If you are someone who comes from the United States, and need more adventure and explorer covers because of your type of trips, you might want to check out World Nomads.

Hope we were able to help you come to a better decision on which travel insurance to get and if not – ask us questions! Safe travels everyone and see you on our next travel guide.

Ruben Arribas is a Spanish traveler who has traveled more than 70+ countries around the world. Now based in the Philippines!