SafetyWing vs World Nomads – Which is the Best Insurance For Nomads in 2024?

SafetyWing vs World Nomads, which do I choose? Here’s everything you need to know…

In the dynamic world of travel insurance, the debate between SafetyWing vs World Nomads is a recurring topic amongst digital nomads, adventurers, and globetrotters alike. Both these providers have garnered significant attention and for good reasons. But how do they stack up against each other in various categories? We touched upon this topic earlier when we explored ways to ensure safety and security on the move. If you’ve been grappling with this question, you’re in the right place. In this comprehensive comparison, we’ll delve deep into what each offers, helping you make an informed decision for your next journey.

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Company Overview

When diving into the world of travel insurance, two names often rise to the top: SafetyWing and World Nomads. Both companies have established a reputable presence in the market, catering to travelers with varying needs. In this section, we’ll explore the origins, mission, and growth of both brands.


Founded in 2017, SafetyWing initially positioned itself as the go-to travel medical insurance for digital nomads. It’s a relatively young entrant to the industry but has rapidly gained recognition for its affordable coverage and 28-day subscription model. With its roots in Silicon Valley, the company blends insurance with technology, aiming to provide seamless and flexible coverage for travelers, especially those working remotely.

Safetywing logo

World Nomads

On the other hand, World Nomads has been a prominent name in the travel insurance realm since its inception in 2002. Originating from Australia, the company has expanded its reach globally, promoting a brand image centered around adventurous and responsible travel. Over the years, World Nomads has not only provided insurance but also curated content, travel stories, and safety tips, creating a holistic platform for wanderlust enthusiasts.

world nomads logo

Coverage Options

The crux of choosing between SafetyWing and World Nomads often lies in understanding their their coverage options. Both companies offer a plethora of plans and benefits, catering to a diverse range of travelers. Here, we’ll dissect their primary coverage offerings to equip you with a clear comparison.


SafetyWing simplifies travel and remote work insurance, offering medical coverage for hospital stays, outpatient care, and emergencies, alongside protection for travel mishaps like trip delays and lost luggage. It also includes a measure of personal liability coverage. It’s important to remember that coverage specifics may vary based on the traveler’s home country and destination, ensuring tailored protection for a global clientele.

Safetywing Vs World Nomads - Safetywing Coverage
SafetyWing Coverage

Image credit: SafetyWing

World Nomads

World Nomads stands out for its broad coverage designed for adventurous travelers, encompassing medical emergencies, adventure sports, trip protection, and personal effects loss or damage. It also covers personal liability. With its wide range of options, World Nomads tailors different plans to suit various travel needs, encouraging travelers to closely review the specifics relevant to their adventures.

World Nomads Coverage

Image credit: World Nomads

While SafetyWing and World Nomads offer similar types of coverage, the best choice between them often depends on your specific travel needs, destinations, and activities. Each provider has unique features that may suit different travelers. SafetyWing is known for its affordability and simplicity, making it ideal for long-term travelers or digital nomads, while World Nomads offers comprehensive coverage that caters to adventurous travelers with a wide array of activities.

Cost & Pricing Structure

When determining the value proposition of travel insurance, evaluating the cost is just as crucial as understanding the coverage. In this segment, we will outline the pricing structures of SafetyWing and World Nomads to ascertain which provides better financial viability without compromising on essential features.


For SafetyWing, pricing is based on age, with a starting rate for individuals aged 18-39. While coverage options start at a duration of 5 days, insurance plans are typically purchased on SafetyWing’s 28-day subscription model. Plans renew every four weeks and can be canceled anytime. Coverage includes or excludes the U.S. to adjust cost. Average starting cost is $45 per four weeks.

World Nomads

World Nomads provides two main plans, Standard and Explorer, with the latter being more expensive due to broader coverage. Costs vary based on trip length, destination, country of origin, and the traveler’s age. Both plans allow for policy extension directly through their platform. While World Nomads is one of the oldest and most trusted travel insurance companies, plans are more expensive, often greater than $100 per month.

Best Travel Insurance for Digital Nomads in 2024 - safetywing
SafetyWing Coverage

Image credit: SafetyWing

Destinations Covered

A pivotal aspect of travel insurance is the geographical coverage it provides. While both of these companies offer extensive coverage, not all policies cover every corner of the globe. 


SafetyWing provides coverage in 180+ countries with exceptions for Cuba, Iran, and North Korea. There are limitations, such as exclusions for pre-existing conditions and no coverage for electronics loss or damage

World Nomads

Similarly, World Nomads offers travel insurance to most countries in the world, however war or sanctions may affect coverage available to a destination or region. It’s easy to see if a country is covered, as World Nomads will not allow you to continue your purchase if a country isn’t covered.

“When you get a quote, you’ll select the country or countries you plan to visit. If you try to add a country that we don’t cover (e.g. Cuba, North Korea, Sudan), the system won’t let you continue with the quote.” 

Adventure Activities & Sports Coverage

For thrill-seekers and adventurers, it’s paramount to ascertain whether their escapades are insured. In our comparison of SafetyWing and World Nomads, let’s delve into how each caters to the adrenaline enthusiasts among us.


SafetyWing typically covers basic adventure activities such as trekking and hiking up to elevations below 4,500 meters, and recreational winter sports within their standard policies. However, more extreme sports like high-altitude mountaineering, deeper scuba diving, or paragliding might not be included, indicating the necessity for travelers to review the specifics or consider add-ons. For a full list of covered activities, visit the SafetyWing website. 

World Nomads

World Nomads, renowned for its extensive coverage, is a go-to for those engaging in a wider array of adventure sports, often making it the preferred choice for thrill-seekers. Standing out for its comprehensive coverage across a wide range of activities, World Nomads offers different levels of policies to cater to everything from snorkeling and skiing to BASE jumping. Before deciding, ensure the activities you plan to engage in are covered by your policy.

Safetywing Vs World Nomads - World Nomads Activites
World Nomads Activities

Image credit: World Nomads

Customer Support

A responsive and empathetic customer support team can make all the difference, especially when travelers are facing uncertainties or challenges. Here, we’ll delve into the customer support experiences provided by World Nomads and SafetyWing.


  • 24/7 Support: Available round-the-clock, their support team ensures that travelers aren’t left stranded, regardless of the timezone.
  • Multichannel Approach: Users can reach out via email, chat, or a dedicated helpline. This versatility ensures that every query or concern gets addressed.
  • Language Proficiency: While primarily operating in English, the support team also caters to queries in other major languages, a boon for international clientele.

World Nomads

  • Global Assistance Team: Operational 24/7, this team is trained to handle emergencies, from medical issues to lost passports.
  • Dedicated Contact Page: Their website hosts a comprehensive contact page, listing different helplines for various concerns, ensuring that travelers reach the right department without hassle.
  • FAQ and Help Center: An extensive database where travelers can find answers to common questions, often eliminating the need to contact support directly.

Claims Process

In the unfortunate event of needing to file a claim, the simplicity and transparency of the process becomes paramount. Here, we’ll dissect the claims procedures of SafetyWing and World Nomads, offering insights into their efficiency and user-friendliness. 

With personal experience filing claims with each of these companies, while they are ‘designed for efficiency’, the process can be tedious. Expect to submit scanned copies of receipts, doctors reports, etc. and detailed notes about the incident. In our experience, the response time is slow and timeline to process can take up to 12 weeks. It’s also important to check if your policy has a deducible. If so, you may not receive a reimbursement for the claim until your deductible is met. 


The SafetyWing claims process is designed for efficiency, allowing policyholders to file claims online. Customers need to submit a claims form along with any relevant documentation, such as medical bills or receipts, to support their claim. Note that claims are handled by a third-party provider and can take up to 12 weeks to receive a decision about the claim. Also note that there is a $250 deductible that must be met before SafetyWing will issue a reimbursement. For more detailed information on the claims process, please refer to SafetyWing’s official website.

World Nomads

Similar to SafetyWing, World Nomads’ claims are processed online. All documents, receipts, and details about the events are to be submitted during the claims process. A decision is made within 4-12 weeks and issued via email. It’s important to check if your policy has a deductible, as it must be met before the claim will be reimbursed. 

SafetyWing Travel Insurance- claims process
SafetyWing Claims Process

Image credit: SafetyWing

Customer Reviews

Feedback from real users offers invaluable insights into the effectiveness and reliability of a service. By examining customer reviews, we get a clearer picture of where SafetyWing and World Nomads excel and where they might fall short. Let’s dive into the general sentiment shared by travelers who’ve used these services.


SafetyWing, being a relative newcomer, has garnered significant attention for its innovative approach:

  • Many users appreciate its subscription-based model, praising the flexibility and ease of extensions.
  • The simplicity of their claims process is another frequently mentioned positive.
  • Some feedback, however, indicates that customers would like more clarity on specific coverage details or quicker response times in certain instances.

Safetywing Trustpilot rating:

Safetywing Trustpilot Review

World Nomads

As a stalwart in the travel insurance industry, World Nomads boasts a vast array of feedback:

  • Travelers often commend their comprehensive coverage, especially for adventure activities, lauding the peace of mind it provides.
  • The ease of the claims process, coupled with their responsive customer service, is frequently praised.
  • Like any company, World Nomads has faced criticism. Some users mention higher pricing or nuances in policy wording as areas of contention.

World Nomads Trustpilot rating:

World Nomads Trustpilot Review

Additional Benefits & Features

Beyond the core coverage and claim process, discerning travelers often look for extra perks and functionalities that add value to their insurance. Let’s uncover the additional benefits that SafetyWing and World Nomads bring to the table.


SafetyWing goes beyond just travel insurance, offering a suite of added benefits:

  • Remote Health: A unique feature targeting digital nomads, allowing them access to comprehensive global health insurance.
  • Coverage for Children: Under their Nomad Insurance, one young child per adult, up to two children per family, can be included at no extra charge.
  • Travel Delay Benefits: Compensation for unexpected hotel stays and other costs due to travel hiccups.

World Nomads

World Nomads continuously evolves its offerings, integrating features that resonate with today’s travelers:

  • Travel Smart App: An app that provides safety alerts, travel advisories, and assistance services at your fingertips.
  • Language Guides: Handy online language guides to help travelers break the language barrier in foreign lands.
  • Gear Coverage: Specialized coverage for expensive gear, which appeals to photographers, videographers, and other professionals on the move.

Cancellation Policy & Refunds

Choosing a travel insurance provider also entails understanding their flexibility when plans change. In this section, we’ll explore the cancellation policies and refund practices of SafetyWing and World Nomads.


SafetyWing recognizes the fluid nature of travel and offers policies to match:

  • Flexible Cancellation: For those on the subscription model, SafetyWing allows easy cancellation anytime, making it fitting for unpredictable travel plans.
  • Refunds: If a traveler cancels before their policy start date, they are generally eligible for a full refund. Post the start date, refunds are prorated based on the unused days, with certain conditions applied.

World Nomads

World Nomads has a structured approach, keeping in mind the diverse needs of global travelers:

  • Cancellation Before Activation: If a policyholder decides to cancel before their trip and insurance activation, they can typically receive a full refund.
  • Post-activation Refunds: World Nomads may provide prorated refunds for the unused portion of the policy under specific circumstances, though terms can vary based on the policy and region.

SafetyWing vs World Nomads – Who Wins?

Choosing between SafetyWing and World Nomads will depend on your travel needs, budget, and expectations. Having dissected the myriad features, from coverage options to customer support and cancellation policies, it’s evident that both SafetyWing and World Nomads stand tall in their commitment to serving the global traveler.

SafetyWing shines with its unique, affordable offerings tailored to the digital nomad, whereas World Nomads impresses with its comprehensive and adventure-baased coverage.

As with any insurance decision, it’s paramount to read the terms carefully, ask questions, and ensure you’re fully aware of what you’re signing up for. Whichever you choose, travel with the confidence that you’re backed by a reliable partner, ready to assist when needed.

And if you need a little extra help planning your trip, our guides have everything you need to get started (including gear). Safe travels, and may your adventures be as boundless as your spirit!

Jonny Birch
Jonny Birch
Often behind the scenes, you’ll find Jonny strategizing business plans for fellow digital nomads as well as for the DNG team. Armed with a laptop and an iced Americano, Jonny is our go-to strategy source for all things DNG. As a former UK-based digital marketing agency owner and current global marketing exec, Jonny's industry knowledge and SEO expertise make him a vital tool for building online brands and successful businesses.

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