Safetywing vs. World Nomad's insurance for digital nomads

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You say that you don't really need travel insurance until you do it. Unfortunately I discovered the truth behind this maxim on the hard tour after I had lost my backpack in 2015 and everything I had at a bus stop in Barcelona.

we are pursuing by 2020, I still live on the go and now earn my living with a laptop. Although there are more and more local workers and travelers every year, we still seem to be a relatively unprotected population group when it comes to insurance for the inevitable travel disaster.

After I have researched a little and spoke to other full -time travelers, I found two travel insurance companies for digital nomads that seem to master the neighborhood.

Here is the overview of the comparison of the insurance companies of Safetywing and World Nomads for digital nomads.

which I pay attention to with travel insurance for digital nomads

Since I am not an insurance specialist and do not know your personal insurance needs, it is difficult for me to offer you a comprehensive must-have list for you.

Regardless of this, I can describe that exactly what I am looking for in an insurance policy. Of course, the lifesties of all digital nomads differ. As a economical backpacker, photographer and author, my needs may cover the basics of at least a few of them.

Priority No. 1: Travel health insurance

undoubtedly you would receive the same answer from most when it comes to insurance priorities. A digital nomadic lifestyle means that regular health insurance does not cover us when we are abroad.

You have most likely heard some horror stories of motorcycle accidents and other injuries that have left more pain than just headaches and some streamlined knees. Invoices for medical emergencies and hospital costs can quickly get into ten, if not hundreds of thousands, without adequate coverage.

you put on wood, but until today I have never had to claim any doctor or hospital costs. A fast fine needle biopsy and a few stitches in the Philippines and in Indonesia were so cheap in the end that it was not worth the claim. That doesn't mean that on the day I need it I am not happy to have travel insurance.

Priority No. 2: Luggage cover

This can differ for most. I used to carry only a cheap DSLR and a bag full of dirty clothes. But even when both the backpack and the wallet were lighter, I still appreciated the luggage cover.

Even if my owners were not expensive, it was great to have the money to buy new underwear and a jacket on the other side of the Barcelona-Bern bus.

Since most digital nomads have been looking for this lifestyle due to a similar low-budget love story, I am sure that we all share the same feelings. Protection for the few possessions we own is a great peace of mind. I am sure you can also consider a luggage cover for your expensive laptop, your cameras and other objects.

Priority No. 3: Travel protection

I categorized “travel protection” as a general insurance coverage for flight cancellations, changes in the course and all emergency plan changes.

For me, this is not as important as the other two categories above, but still a prerequisite. I say that because I usually make plans spontaneously and book flights and accommodations at the last minute.

In the event that I have to fly back to Australia in an emergency or cancel a planned trip, I would like to know that my travel insurance for digital nomad covers me. A lost passport is also an expensive replacement, which is why travel documents usually also fall under this category.
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I heard of World Nomads, but what is safewing?

Now for summary; Safetywing vs. World Nomads. Most digital nomads have heard of the latter, but what is safewing?

safetywing is a new competitor on the block that offers travel health insurance especially for location -dependent employees and long -term travelers.

Although they have only been in existence for about a year, they are supported by Tokyo Marine, one of the largest insurance providers in the world. Reliability is important and having this support is bulletproof in my eyes.

What does Safetywing offer?

As already mentioned, Safetywing offers travel health insurance. This means that you receive insurance coverage if you suffer an accident outside your home country, get sick or need medical help for:

  • hospital room and nursing services
  • intensive care unit
  • ambulance
  • emergency supply
  • Physiotherapy
  • Emergency dental

In addition, you will also receive travel protection for:

  • travel interruption
  • travel delay
  • Losted luggage
  • Limited protection against natural disasters
  • Political evacuation
  • Emergency medical evacuation
  • personal liability
  • accident death and mutilation (ad & d)

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You can find the full list of the current cover options here.

Advantages of Safetywing

I was mainly interested in Safetywing because of the low price-performance ratio. Your refreshing and unique ongoing payment plans are also more like regular health insurance options than traditional advance payments for travel insurance.

instead of paying every year or renewing your policy every quarter, Safetywing offers cover from $ 37/4 weeks or $ 1.32 per day. This is much cheaper than most travel insurance policies and up to a third cheaper than World Nomads.

Here are some other advantages when buying safety:

  • available in 180 countries
  • start and cancel your policy at any time
  • 24/7 support
  • No upper limit for the travel duration
  • much lower cost

for whom is safewing best suited?

safetywing is clearly a great option for digital nomads and other long-term travelers who want cheap and high-quality travel health insurance with a simple 4-week payment plan.

Everything about the World Nomads Travel Insurance

For some time now, World Nomads has been the main actor in the game of long -term travel insurance, especially for adventure travelers like me.

comprehensive information about World Nomads can be found in this article.

What does World Nomads offer?

World Nomads covers travelers and digital nomads from 130 countries, with separate cover options depending on the country of their residence. A complete list of the detailed offers can be found in their list.

The general coverage all over the line includes:

  • Health and hospital coverage
  • Coverage for adventure activities such as skiing, snowboarding, game water rafting
  • travel delay and cancellation costs
  • personal liability
  • theft or damage to personal objects
  • death or disability

Advantages of the world nomads

World Nomads is a very popular insurance option for long -term travelers or adventure travelers. Although they are more expensive than the alternatives, some could prefer them due to the following advantages.

  • proven track record of reliability
  • cover especially from adventure activities, including hiking over 4000 m
  • Great customer service and 24/7 support
  • strong and reliable insurer

for who is World Nomads best suited?

World Nomads is a strong option for adventure travelers who want to insure themselves for more dangerous adventure activities such as skiing, snowboarding, climbing, etc.

You also have a proven track record for simple requirements and high -quality customer service. Although they are more expensive, some may prefer to pay more for the additional electronics cover in their insurance plans.

The result: Safetywing vs. World Nomads

So what is the best insurance for digital nomads? In this summary of Safetywing vs. World Nomads we treated the advantages and which option could be best suited for different types of nomads.

Now let me go into some of the problems I have with both guidelines.

A restriction that I have to mention at Safetywings is that you currently have no cover for lost or stolen electronics and equipment. As I already mentioned, I think this is an important component for myself. However, I was told that the Safetywing team is working hard to realize this soon, so watch this area. An alternative problem bypass is to take out a separate device insurance from another provider in order to remain covered.

For World Nomads, their guidelines are quite comprehensive, but they are much more expensive than safewing. I know a lot of travelers who would be enthusiastic about Safetywing's offers without having to pay a large surcharge for electronics insurance.

If you have your place of residence in one of the countries that do not cover World Nomads, then don't worry, you will probably still be covered by Safetywing's policy.
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a last word

I hope that this comparison has helped you decide between Safetywing and World Nomads for your travel insurance needs for digital nomads. If you have any further questions, you can get an offer for safetywing and here for World Nomads.

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