SafetyWing vs World Nomads – Which is the Best Insurance For Nomads in 2023?

SafetyWing vs World Nomads - Which is the Best Insurance For Nomads?

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.

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. 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.

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.

In the SafetyWing vs World Nomads debate, understanding the background of each company can offer insights into their expertise, trustworthiness, and the nuances of their offerings. As we delve deeper into their respective features in subsequent sections, this foundational knowledge will guide our comparative analysis.

Coverage Options

The crux of choosing between SafetyWing and World Nomads often lies in understanding the depth and breadth of 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 Coverage

SafetyWing operates with simplicity at its core. Its insurance products are designed for travelers and remote workers, offering:

  • Medical coverage, including hospital stays, outpatient care, and emergency services.
  • Travel-related incidents, such as trip delays, lost checked luggage, and accidental death or dismemberment.
  • Limited personal liability coverage.

However, it’s essential to note that SafetyWing’s offerings might vary depending on the traveler’s home country and destination.

SafetyWing vs World Nomads - SafetyWing Coverage

World Nomads Coverage

World Nomads is lauded for its comprehensive plans tailored for intrepid travelers. Their coverage spans across:

  • Medical emergencies encompassing treatments, evacuation, and repatriation.
  • Adventure activities and sports, often extending to activities that other insurers might exclude.
  • Trip protection, covering cancellations, interruptions, and delays.
  • Baggage and personal effects, ensuring travelers are compensated for loss or damage.
  • Personal liability, providing coverage if the traveler is responsible for causing harm or property damage.

Given its extensive options, World Nomads offers different plans, and travelers are advised to review details pertinent to their journey.

SafetyWing vs World Nomads - World Nomads Coverage

In the debate of SafetyWing vs World Nomads, the decision might hinge on the specific coverage one seeks. Whether it’s for leisurely travels, work-related journeys, or adrenaline-pumping adventures, comprehending the nuances of each provider’s coverage options is paramount.

Cost and 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.

SafetyWing Cost and Pricing

SafetyWing’s approach to pricing stands out for its simplicity and transparency. They offer:

  • A subscription-based model, allowing travelers to opt for monthly payments rather than a lump-sum premium.
  • Rates are predominantly based on the traveler’s age and selected coverage region, with options to include or exclude the U.S. in coverage.
  • Typically, prices range from $40 to $120 per 4 weeks, but they can vary based on the specifics mentioned above.

It’s worth noting that SafetyWing’s competitive pricing has been a game-changer for long-term travelers and digital nomads.

SafetyWing vs World Nomads - SafetyWing Cost and Pricing

World Nomads Cost and Pricing

World Nomads adopts a more traditional pricing structure, which factors in:

  • The destination country or countries.
  • The duration of the trip.
  • The traveler’s country of residence.
  • The type of activities planned (Standard Plan vs. Explorer Plan).

Prices can be diverse, ranging from as low as $50 for short trips to several hundreds for longer stays with comprehensive coverage. The flexibility in their packages means travelers can tailor coverage to fit their specific needs and budget.

SafetyWing vs World Nomads - World Nomads Cost and Pricing

Choosing between SafetyWing and World Nomads might come down to financial considerations for many. While SafetyWing appeals with its predictable and budget-friendly subscription model, World Nomads offers customized plans that cater to a range of travel styles and requirements.

Destinations Covered

A pivotal aspect of travel insurance is the geographical coverage it provides. Not all policies cover every corner of the globe. Let’s navigate the worldwide destinations that SafetyWing and World Nomads encompass in their insurance offerings.

SafetyWing Destinations

SafetyWing boasts a wide coverage map designed with the global wanderer in mind. Key points include:

  • Coverage in over 180 countries, offering travelers unparalleled flexibility.
  • A notable exception is that they often exclude trips to North Korea and Cuba.
  • Travelers from various home countries can benefit from SafetyWing’s coverage, but there are exclusions for trips within the U.S. for U.S. citizens and some specifics based on your home country.
SafetyWing vs World Nomads - SafetyWing Destinations Covered

World Nomads Destinations

World Nomads stands tall with an expansive reach, ensuring their policyholders remain protected across continents. Their offerings:

  • Includes coverage in over 200 countries, which makes them one of the most extensive travel insurance providers globally.
  • Allows purchase from almost anywhere and even after the journey has commenced.
  • Offers specific plans tailored to the nuances of various regions, ensuring travelers get the most appropriate coverage.
SafetyWing vs World Nomads - World Nomads Destinations Covered

In the SafetyWing vs World Nomads showdown, geographical coverage plays a pivotal role, especially for travelers eyeing off-beat paths or multiple destinations. With both companies offering wide-ranging destinations, your choice may hinge on specific countries or regional preferences.

Adventure Activities and 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 Adventure Activities Coverage

SafetyWing provides a foundation of coverage for a variety of activities but with some caveats:

  • Basic adventure activities like trekking, hiking (below 4,500m), and recreational winter sports are typically covered.
  • More extreme sports or activities, such as mountaineering at higher altitudes, scuba diving beyond a certain depth, or paragliding, are not included in their standard policies.
  • It’s essential to scrutinize policy documents or contact SafetyWing directly for specifics on any particular adventure.
SafetyWing vs World Nomads - SafetyWing Adventure Activities Coverage

World Nomads Adventure Activities and Sports

World Nomads prides itself on catering to the adventurous spirit. Their coverage is expansive:

  • Their policies are segmented into different levels, with each tier covering a progressively broader range of activities.
  • From snorkeling, skiing, and surfing to more extreme endeavors like BASE jumping or caving, World Nomads provides options to insure them.
  • Travelers should select their plan (Standard vs. Explorer) based on the nature of their adventures, ensuring they’re comprehensively covered for their chosen activities.
SafetyWing vs World Nomads - World Nomads Adventure Activities Coverage

In the realm of SafetyWing vs World Nomads for adventure enthusiasts, clarity on activity coverage is essential. While SafetyWing caters to the casual adventurer, World Nomads takes the lead for those seeking the thrills of more extreme pursuits.

Duration and Extensions

The length of coverage and the ease of extending it often becomes a vital consideration, especially for long-term travelers and those whose plans might change. In our World Nomads vs SafetyWing comparison, let’s explore how each company caters to these dynamic travel needs.

SafetyWing Duration and Extensions

SafetyWing, often touted as the nomad’s best friend, has structured its policies with flexibility in mind:

  • Their policies operate on a unique subscription model, automatically renewing every 28 days until the traveler decides to cancel.
  • Travelers can purchase SafetyWing insurance even after their journey has started.
  • Extensions are seamless. If a traveler wishes to prolong their stay, their policy can easily adapt without needing a new purchase.
SafetyWing vs World Nomads - SafetyWing Duration and Extensions

World Nomads Duration and Extensions

World Nomads, understanding the unpredictable nature of travel, provides considerable flexibility:

  • Coverage duration can range from a few days to several months, tailored to the traveler’s itinerary.
  • If plans change or extend, World Nomads offers an easy online process to extend coverage, even if the original policy is about to expire.
  • Their platform allows travelers to modify and upgrade their coverage, adapting to evolving travel adventures.
SafetyWing vs World Nomads - World Nomads Duration and Extensions

When evaluating SafetyWing vs World Nomads based on policy duration and extension capabilities, both shine in their own right. SafetyWing’s subscription model offers unparalleled continuity, while World Nomads scores with its tailor-made duration and easy extension processes.

Claims Process and Efficiency

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.

SafetyWing Claims Process

SafetyWing has streamlined its claims process with user ease as a priority:

  • Claims can be initiated online, requiring the claimant to fill out a designated form and attach necessary supporting documents.
  • Their website provides a step-by-step guide on how to navigate the process, eliminating guesswork.
  • Typically, after submission, SafetyWing responds within a few business days, keeping claimants informed throughout the adjudication process.
SafetyWing vs World Nomads - SafetyWing Claims Process

World Nomads Claims Process

World Nomads, with its global presence, has invested in making its claims procedure both comprehensive and straightforward:

  • Claimants can commence the process online, and the platform offers clear guidelines on the documentation required for different claim types.
  • For those on the go, World Nomads even allows claims to be filed via their mobile app, enhancing convenience.
  • Feedback from the community suggests that World Nomads is prompt in acknowledging claims and maintaining transparent communication until resolution.
SafetyWing vs World Nomads - World Nomads Claims Process

When contrasting SafetyWing with World Nomads based on their claims process, both companies demonstrate a commitment to facilitating a stress-free experience for their clients. The key is to adhere to provided guidelines and maintain thorough documentation to ensure a smooth resolution.

Customer Reviews and Feedback

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 Customer Feedback

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 vs World Nomads - SafetyWing Customer Reviews and Feedback (Trustpilot rating)

World Nomads Customer Feedback

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:

SafetyWing vs World Nomads - World Nomads Customer Reviews and Feedback (Trustpilot rating)

Drawing from the feedback for both SafetyWing and World Nomads, potential users can gauge which company aligns more with their priorities. Both have their strengths and areas to enhance, but the collective voice of the traveling community offers a trusted guidepost.

Additional Benefits and 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 Additional Benefits

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.
SafetyWing vs World Nomads - SafetyWing Additional Benefits and Features

World Nomads Additional Features

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.
SafetyWing vs World Nomads - World Nomads Additional Benefits and Features

In the SafetyWing vs World Nomads debate, these additional offerings can sway decisions. Whether it’s the unique health benefits from SafetyWing or the tech-savvy features of World Nomads, travelers have a buffet of added perks to choose from.

Usability of Website and Apps

In an increasingly digital age, the ease of accessing and navigating online platforms significantly influences the user experience. In our SafetyWing vs World Nomads assessment, let’s consider the user-friendliness and functionality of their respective websites and mobile applications.

SafetyWing Website and Apps Usability

SafetyWing’s digital footprint is characterized by a clean and intuitive interface:

  • Website: Its website boasts a minimalist design, making information retrieval swift. The clear calls-to-action and FAQ sections ensure users aren’t left with unanswered questions.
  • Mobile Presence: As of our last update, SafetyWing primarily emphasizes its web platform and doesn’t have a dedicated mobile app. Nonetheless, their site is mobile-responsive, adjusting smoothly to various screen sizes.
SafetyWing vs World Nomads - SafetyWing Website and Apps Usability

World Nomads Website and Apps Usability

World Nomads has always been at the forefront of technological integration, and it shows:

  • Website: Comprehensive yet user-friendly, the website provides deep dives into policy details without overwhelming the user. A distinctive feature is their inspiring travel stories section, connecting a community of adventurers.
  • Travel Smart App: Beyond their website, World Nomads offers the Travel Smart App, which, as mentioned earlier, is a treasure trove of safety alerts, travel advisories, and on-the-go claims functionality.
SafetyWing vs World Nomads - World Nomads Website and Apps Usability

When comparing SafetyWing against World Nomads on digital usability, both cater to the modern traveler’s needs. SafetyWing thrives in simplicity, while World Nomads offers depth enhanced by a dedicated mobile application.

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.

SafetyWing Customer Support

SafetyWing prioritizes its customers by offering:

  • 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.
SafetyWing vs World Nomads - SafetyWing Customer Support

World Nomads Customer Support

World Nomads, with its vast global presence, has a robust support system in place:

  • 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.
SafetyWing vs World Nomads - World Nomads Customer Support

Pitting SafetyWing vs World Nomads based on customer support, it’s evident that both companies are deeply committed to their customer base. Whether it’s the multilingual capabilities of SafetyWing or the specialized global teams of World Nomads, travelers are in competent hands.

Cancellation Policy and 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 Cancellation and Refunds

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.
SafetyWing vs World Nomads - SafetyWing Cancellation Policy and Refunds

World Nomads Cancellation and Refunds

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 - World Nomads Cancellation Policy and Refunds

When analyzing SafetyWing vs World Nomads in the context of cancellations and refunds, both offer flexibility, albeit with different structures. Travelers should always read the fine print and understand the terms specific to their policy and region.

SafetyWing vs World Nomads – Who Wins?

Choosing between SafetyWing and World Nomads isn’t a mere selection between two travel insurance providers; it’s about aligning your travel needs, budget, and expectations with a trusted partner who can support you through unforeseen challenges during your journeys.

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 offerings tailored to the digital nomad, whereas World Nomads impresses with its comprehensive coverages and tech-forward approach. Ultimately, the choice boils down to personal preference, travel plans, and the nuances of the coverage you’re seeking.

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.

Safe travels, and may your adventures be as boundless as your spirit!

FAQ (Frequently Asked Questions)

When it comes to deciding between SafetyWing and World Nomads, travelers often have a slew of questions. We’ve compiled a list of the most frequently asked queries to simplify your decision-making process.

1. Which provider is more budget-friendly, SafetyWing or World Nomads?

Both companies offer competitive pricing, but the final cost depends on your travel specifics like destination, duration, and the coverage options you choose. It’s recommended to get quotes from both to compare.

2. Can I purchase insurance after starting my journey?

With World Nomads, yes, you can purchase or extend a policy even after your trip has commenced. SafetyWing also offers flexibility in this regard, making it convenient for travelers on the move.

As of our last update, both SafetyWing and World Nomads have policies addressing COVID-19. However, the specifics may vary, so always check the latest policy documents or consult their customer support.

4. How do the adventure sports coverages compare between SafetyWing and World Nomads?

World Nomads typically provides extensive coverage for adventure activities, but the details depend on the policy tier. SafetyWing also covers certain activities, but it’s crucial to review their list to ensure your planned adventures are included.

5. Are there age restrictions for either provider?

Both companies have age restrictions, but they differ. For instance, SafetyWing might have an upper age limit for new policies, while World Nomads could vary based on the policy type and region. Always check the specifics before purchasing.

6. How do they handle pre-existing medical conditions?

Coverage for pre-existing conditions varies between SafetyWing and World Nomads and is influenced by the policy details and the traveler’s health history. It’s essential to read the policy documents carefully and, if in doubt, consult their support.

As the travel landscape and policies of insurance providers evolve, so do their offerings. When considering SafetyWing vs World Nomads, always refer to their latest terms and conditions or reach out directly to their customer support for real-time information.

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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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