There are many options out there for you, depending on what type of trip you’re planning. Some package holiday brands include ATOL-protection as standard with their holidays, while other companies offer standalone policies.
Some offer add-ons that focus on specific aspects of travel, such as rental car coverage. Others cover pre-existing medical conditions without an extra cost.
SafetyWing
SafetyWing fills a gap in the market by providing travel insurance that is specifically tailored for digital nomads. Its comprehensive coverage benefits individuals who blend a nomadic lifestyle with work by giving them the ability to focus on their journey without having to worry about finances. In addition, SafetyWing’s affordable pricing makes it an attractive option for people on a budget.
The company’s policy covers both medical and travel expenses. In addition, it offers a flexible plan that can be renewed every 28 days and covers children up to the age of 10. It also includes coverage for extreme sports, which are generally excluded from most insurance policies.
Its recurring payment model is convenient for travellers who are on a tight budget and offers flexible renewal options. It also has no hidden fees and allows you to purchase the policy from anywhere in the world, even when you’re already travelling. This is a major benefit because most insurance companies require you to be in your home country before they will issue a policy.
Heymondo
Heymondo offers an excellent price-to-coverage ratio, as well as great medical coverage and travel assistance. Their 24/7 support includes WhatsApp attention with a doctor 24 hours a day, which is very useful if you are sick or injured during your trip.
In addition to their high coverage limits, Heymondo also covers pre-paid expenses, loss of personal belongings, and trip cancellation. Their annual plan is especially cost-effective for frequent travelers. The unique feature of their policy is that it can be renewed every 28 days, which makes it perfect for travelers with changing plans.
If you’re interested in purchasing a Heymondo plan, you can get a 15% discount on their annual multi-trip insurance by clicking here and entering your details. The promotion is valid until 27/11/2023. It’s worth mentioning that the prices vary depending on your country of residence, coverage area and duration of your trip. Check out the price calculator here for an idea of what to expect.
World Nomads
Depending on your country of residence, World Nomads offers various coverage bundles for unforeseen medical and trip-related emergencies. Some of these include repatriation expenses (to return home if you become extremely ill or die abroad), medically necessary treatment, and dental coverage. It also covers nonrefundable prepaid expenses.
The company has a 24/7 helpline that can assist with getting emergency assistance and locating medical providers. They can even escort you to a hospital or back home if needed. They can also cover the cost of replacing stolen items and arranging travel or accommodation arrangements for you, as long as the trip is canceled due to events specified in the policy.
World Nomads includes trip cancelation in the base plan, which is a great benefit for backpackers. However, it doesn’t cover pre-existing conditions or extreme sports. Those who plan to do extreme activities may want to consider an IMG policy with a sport rider for better coverage.
Travellers Insurance
In general, a travel insurance plan will include coverage for medical and dental expenses, loss of belongings, lost or stolen luggage, personal liability, and trip cancellation. Some plans also cover adventure activities, although these typically come with a look-back period and higher premiums.
If you have a pre-existing medical condition, it’s important to check the policy’s specific exclusions. Many policies have a look-back period, which means that any health issues that you had in the past 60, 90 or 180 days could disqualify you from coverage.
Faye stands out as one of the best travel insurance options for people with pre-existing conditions because it doesn’t have these limitations. Plus, their app-centered approach allows you to customize your policy and file claims from anywhere. In addition, they offer a range of affordable family plans that are less expensive than other major providers’ individual plans. They also offer a wide range of add-ons, including flight delay and cancellation coverage.
