Heymondo Insurance Reviews: Full Travel Coverage, Pricing, and Benefits Explained
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Nomadrista
Best Travel Insurance: Our Top Pick Is SafetyWing at $56/Month
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When you’re living or traveling abroad, unexpected injuries, illness, or accidents can happen at any time. In many cases, your credit card insurance may not cover the full cost.
In fact, the medical coverage included with most credit cards is often very limited.
On this page, we introduce four of the best nomad insurance options available for purchase from overseas.
We compare their key features, benefits, and coverage so you can choose the plan that fits your travel style.
Please check the comparison table below for a quick overview of the main differences.
No,1
SafetyWing
Insurance fee (4 weeks)
・$56.28 (not including the US)
・$104.44 (including the US)
・$104.44 (including the US)
Medical Compensation
$250,000
Emergency Transportation
$20,000
Dental treatment
$1,000
Flight delays
$200
Damaged/stolen/lost personal belongings
Without
Standby time
0 hours
No.2
World Nomads
Insurance fee (4 weeks)
・$220.43 (not including the US)
・$265.07 (including US)
・$265.07 (including US)
Medical Compensation
$5,000,000
Emergency Transportation
$500,000
Dental treatment
$300
Flight delays
$500
Damaged/stolen/lost personal belongings
$2,500
Standby time
72 hours
No.3
Heymondo
Insurance fee (4 weeks)
・$113.05 (not including the US)
・$130.16 (including the US)
・$130.16 (including the US)
Medical Compensation
$5,000,000
Emergency Transportation
$500,000
Dental treatment
$300
Flight delays
$450
Damaged/stolen/lost personal belongings
$1,700
Standby time
72 hours
No.4
Genki
Insurance fee (4 weeks)
・€48.3 (20s)
・€57.3 euros (30s)
・€72.3 euros (40s)
・€57.3 euros (30s)
・€72.3 euros (40s)
Medical Compensation
Unlimitedness
Emergency Transportation
Unlimitedness
Dental treatment
$500
Flight delays
Without
Damaged/stolen/lost personal belongings
Without
Standby time
14 day
SafetyWing is one of the most cost-effective overseas travel insurance options, offering generous coverage for a very affordable price. I personally chose SafetyWing because its coverage was more than enough for my needs.
The plan costs $56.28 per month and includes up to $250,000 in medical coverage, plus dental treatment up to $1,000.
While SafetyWing does not cover damage, theft, or loss of personal belongings, it is still the best value for the price.
Also, many travel insurance plans purchased while abroad have a waiting period of 72 hours to 14 days, meaning you are not immediately covered.
SafetyWing has no waiting period, so your coverage starts on the same day you sign up, even if you are already overseas.
Easily check your insurance cost based on your travel plan!
This page summarizes detailed information on each overseas travel insurance.
Choose the best insurance for your nomad life!
Contents
1. SafeyWing
SafetyWing is a global insurance service designed for traveler, digital nomads, freelancers, and remote workers.
Considering its coverage and affordability, SafetyWing is the most recommended overseas travel insurance.
If your credit card travel insurance expires, you can switch to SafetyWing at any time. You can also sign up even if you are already abroad.
Features of SafetyWing
- Monthly premium: $56.28 (ages 18–39, excluding the U.S.)
- Flexible insurance periods starting from as short as 5 days
→ From $10.05 for short-term coverage (excluding the U.S.) - No waiting period, even if you join while abroad
- 24/7 live chat support
- Coverage for flight delays and lost baggage
- Simple online quote and easy application process
The detailed insurance coverage is as follows.
| Insurance Details | Insurance Limit |
|---|---|
| Medical Insurance | $250,000 |
| Emergency Dental Care | $1,000 |
| Emergency Transportation | $100,000 |
| Medical repatriation | $5,000 |
| Emergency return to your country | $5,000 |
| Lost Baggage | $3,000 |
| Flight delays | $200 |
| Theft of passports | $100 |
| Car Accident | $250,000 |
| Interruption of travel (return to your country) | $250,000 |
| At the time of death | $20,000 |
SafetyWing is one of the most cost-effective overseas travel insurance options, offering comprehensive coverage at a reasonable price. Medical coverage goes up to $250,000.
For comparison, the Epos credit card only covers up to 2 million yen for injury treatment, which makes SafetyWing’s medical coverage significantly more generous.
SafetyWing provides great value, but make sure to check the following three points before joining.
Disadvantages of SafetyWing
- No coverage in the United States
- No coverage for adventure sports
- No coverage for lost or stolen personal belongings
However, the above coverage can be added as optional upgrades. The additional fees are as follows:
- U.S. coverage: + $48.16
- Adventure sports coverage: + $10
- Electronic device theft coverage: + $10
Please note that loss, theft, or damage of personal belongings other than electronic devices (laptops, tablets, cameras) is not covered.
If you want to keep your insurance costs low, you can get 4 weeks of international coverage for $56.28.
» Visit the official SafeyWing website
2. World Nomads
World Nomads is a popular insurance option for digital nomads and freelancers working overseas.
Its premiums are higher than other services, but the coverage is much more comprehensive.
World Nomads offers up to $2,500 in compensation for theft, damage, or loss of personal belongings. This makes it especially suitable for digital nomads who carry expensive items such as high-end cameras or powerful laptops.
The price for a standard Thailand plan is $215.38 per 4 weeks (excluding the United States).
It is not cheap, but the coverage is easy to understand and the application process is simple, making it a good choice even for first-time insurance users.
Features of World Nomads
- Insurance rates vary depending on your travel destination
(for example, $265.07 per 4 weeks for plans including the United States) - Medical coverage up to 50 million yen (or unlimited depending on the plan)
- Compensation for flight delays and lost baggage
- 24/7 support via phone and email
The specific insurance details are as follows.
| Insurance Details | Insurance Limit |
|---|---|
| Medical Insurance | $5,000,000 |
| Emergency Dental Care | $300 |
| Medical Transportation and Repatriation | $5,000,000 |
| Medical repatriation | $5,000 |
| Emergency return to your country | $5,000 |
| Baggage coverage | $2,500 |
| Flight delays | $500 |
| Interruption of travel (return to your country) | $3,500 |
| At the time of death | $15,000 |
World Nomads medical insurance is not unlimited, but it provides coverage of up to $5 million.
In addition, it offers strong protection for baggage, flight delays, and travel interruptions.
However, the insurance fee is slightly higher compared to other travel insurance services. If you are considering World Nomads, be sure to check the following points in advance.
Disadvantages of World Nomads
- A $100 deductible applies to medical expenses (including dental treatment)
- Dental coverage is limited to $300
- Only available to those 64 years old or younger
- A 72-hour waiting period applies if you sign up while traveling
World Nomads requires a $100 deductible for medical claims, which you must pay out of pocket. It is also important to note that dental coverage is limited to a maximum of $300.
For more information about World Nomads, please refer to the following page.
» Visit the official World Nomads website
3. Heymondo
Heymondo is an overseas insurance service designed for digital nomads, freelancers, and frequent international travelers. It is available worldwide, so you can stay insured no matter which country you are in.
Considering the coverage and cost-performance, Heymondo is a recommended option—especially if your travel destination includes the United States.
The premiums are higher than SafetyWing, but the coverage amounts are also significantly more generous.
If you are traveling to the United States or Canada, where medical costs are extremely high, Heymondo can be one of the best insurance choices for you.
Features of Heymondo
- Premium: $113.05 (excluding the United States, 4-week duration)
- Premium: $130.16 (including the United States, 4-week duration)
→ Based on the Travel Insurance plan - You can sign up while abroad (with a 72-hour waiting period)
- 24/7 live chat support
- Compensation for flight delays and missed connections
- Coverage for damage, loss, or theft of personal belongings
The detailed insurance coverage is as follows.
| Insurance Details | Insurance Limit |
|---|---|
| Medical Insurance | $5,000,000 |
| Emergency Dental Care | $300 |
| Extended Overnight Expenses | $1,800 |
| Emergency Transportation | $5,000,000 |
| Baggage coverage | $1,700 |
| Flight delays | $450 |
| Interruption of travel (return to your country) | $3,500 |
| At the time of death | $100,000 |
Heymondo offers generous coverage with medical insurance limits of up to $5 million.
If you plan to travel to the United States, Europe, or other regions where medical costs are extremely high, Heymondo is a very strong option.
You are also covered up to $1,700 for damaged, lost, or stolen baggage while traveling, making it a safe choice for digital nomads who carry laptops, cameras, and other valuable devices.
However, if you are considering Heymondo, please keep the following points in mind.
Disadvantages of Heymondo
- People over 50 years old cannot join
Those between 49 and 50 cannot enroll in policies longer than 30 days - Emergency dental coverage is limited to $300
- Some plans (other than the Travel Insurance plan) include deductibles
- A 72-hour waiting period applies if you sign up while traveling
While Heymondo offers a high medical insurance limit of up to $5 million, dental coverage is only up to $300.
In some countries, dental care can be expensive, so actual treatment costs may exceed this amount.
Heymondo also offers multiple plans depending on the length of coverage, and the Travel Insurance plan (the most flexible option) includes three different plan types with varying benefits.
In short, the structure is not as simple as SafetyWing, and it’s important to review the details carefully.
For a full explanation of Heymondo’s coverage, please refer to the page below.
» Visit the official Heymondo website
4. Genki
Genki is a health insurance plan designed specifically for overseas nomads.
It does not include coverage for flight delays or baggage, so the monthly premium is lower compared to other providers. This is because Genki focuses solely on medical and health-related coverage.
Although the premium is cheaper, you can feel secure knowing that there is no maximum limit on medical coverage or emergency transportation.
Genki is recommended for digital nomads who stay in one country for a long period, rather than backpackers who frequently take flights, as it does not cover travel-related issues such as delays or lost baggage.
Features of Genki
- Premiums vary by age
(for example, around €48.3 per month for people in their 20s) - You can sign up from overseas (14-day waiting period applies)
- Coverage includes Canada and the United States
- Unlimited medical coverage
- Dental treatment coverage up to €500
The detailed insurance coverage is as follows.
| Insurance Details | Insurance Limit |
|---|---|
| Medical Insurance | Unlimitedness |
| At the time of death | Unlimitedness |
Genki is an overseas travel insurance plan that focuses exclusively on medical coverage, so it’s important to understand the following points before using it.
Disadvantages of Genki
- No compensation for flight cancellations or lost baggage
- No coverage for theft, loss, or damage to personal belongings
- No compensation for travel interruptions
- A 14-day waiting period applies if you sign up while already traveling
The waiting period is especially important. This is the time between purchasing the insurance and when the coverage actually begins.
In other words, you are not covered during the waiting period. This prevents situations where someone buys insurance only after getting injured or sick and tries to claim coverage.
Many other nomad insurance plans have a waiting period of around 72 hours, but Genki’s waiting period is 14 days, which is considerably longer. If you plan to use Genki, be sure to consider this when scheduling your trip.
For more information about Genki, please refer to the official page below.
» Visit the official Genki website
Summary: The Best Travel Insurance Recommendation Is SafetyWing
When choosing overseas travel insurance, the number of options is surprisingly limited.
Because the coverage details can be complicated and the monthly costs can vary widely, most digital nomads should ultimately narrow their choices down to the following four insurance providers.
No,1
SafetyWing
Insurance fee (4 weeks)
・$56.28 (not including the US)
・$104.44 (including the US)
・$104.44 (including the US)
Medical Compensation
$250,000
Emergency Transportation
$20,000
Dental treatment
$1,000
Flight delays
$200
Damaged/stolen/lost personal belongings
Without
Standby time
0 hours
No.2
World Nomads
Insurance fee (4 weeks)
・$220.43 (not including the US)
・$265.07 (including US)
・$265.07 (including US)
Medical Compensation
$5,000,000
Emergency Transportation
$500,000
Dental treatment
$300
Flight delays
$500
Damaged/stolen/lost personal belongings
$2,500
Standby time
72 hours
No.3
Heymondo
Insurance fee (4 weeks)
・$113.05 (not including the US)
・$130.16 (including the US)
・$130.16 (including the US)
Medical Compensation
$5,000,000
Emergency Transportation
$500,000
Dental treatment
$300
Flight delays
$450
Damaged/stolen/lost personal belongings
$1,700
Standby time
72 hours
No.4
Genki
Insurance fee (4 weeks)
・€48.3 (20s)
・€57.3 euros (30s)
・€72.3 euros (40s)
・€57.3 euros (30s)
・€72.3 euros (40s)
Medical Compensation
Unlimitedness
Emergency Transportation
Unlimitedness
Dental treatment
$500
Flight delays
Without
Damaged/stolen/lost personal belongings
Without
Standby time
14 day
When my credit card insurance expires, I switch to SafetyWing.
The reason is simple—its monthly fee of $56.28 provides more than enough coverage for most situations.
For example, while its medical limit is lower than some other services, I believe $250,000 is sufficient for many travelers.
However, if you are visiting countries with very high medical costs, such as the United States or Canada, we recommend choosing a plan with higher coverage, such as World Nomads.
We hope this page helps you find the best overseas travel insurance for your needs!
Easily check your insurance cost based on your travel plan!
ABOUT ME
I've been a nomad abroad for five years, traveling through 10+ cities across Europe. Right now I’m spending time in places like Paris, Venice, and Barcelona. I’ll be sharing simple, useful tips for living abroad.
