SafetyWing Travel Insurance Review: Pricing, Coverage, And Benefits For Travelers
takayuki
Nomadrista
Best Travel Insurance for the U.S. with Strong and Affordable Coverage
takayuki
When visiting the United States, medical costs can be extremely high. Choosing the right travel insurance is important to avoid unexpected expenses.
This page introduces affordable plans with strong medical coverage and explains the key differences between major insurers.
Best Travel Insurance for Traveling in the U.S.
- Heymondo: Best for short trips and cost-effective plans
→ Offers medical coverage up to 5 million dollars - World Nomads: Best for upgraded protection
→ Provides medical coverage up to 5 million dollars - Genki: Best for long stays and unlimited medical coverage
→ No upper limit on medical expenses
You can check the prices for each plan in the table below.
| Insurance Services | Medical Insuranc | Insurance Rates | |||
| 5 days | 10 days | 2 weeks | 1 month | ||
| Heymondo | Up to $5,000,000 | $28.72 | $67.45 | $84.50 | $130.16 |
| World Nomads | Up to $5,000,000 | $53.36 | $132.79 | $198.89 | $265.07 |
| Genki | Unlimitedness | €48.30 (Only for monthly pricing plans) | |||
If you want to keep your insurance costs even lower, SafetyWing is another good option for budget travelers.
» SafetyWing Travel Insurance Review
*The insurance fee for a 5-day trip is $18.65 (including the U.S.)
SafetyWing offers a lower maximum medical coverage of 250,000 dollars, but this amount is usually enough to cover general medical expenses.
For example, consider the average medical costs in New York, one of the most expensive cities for healthcare in the United States.
| Medical content | Medical Expenses in NY |
|---|---|
| General Initial Consultation Fee | About $150~$300 |
| Initial consultation fee for a specialist | About $200~$500 |
| Inpatient room fee | About $2,000~$3,000 |
| Appendicitis hospitalization and surgery | About $10,000 |
| Dental treatment | About $1,000/bottle |
SafetyWing’s $250,000 medical coverage is generally enough for the types of medical expenses shown above.
However, if you need surgery or long-term hospitalization in the U.S., costs can rise quickly. In such cases, choosing travel insurance with higher medical coverage is a safer option.
On this page, we introduce cost-effective travel insurance options — Heymondo, World Nomads, and Genki — that provide strong protection for high medical expenses in the United States.
Contents
Heymondo
Heymondo offers three types of insurance plans, and the rates vary depending on whether your coverage includes or excludes the United States.
Heymondo’s Three Insurance Plans
- Travel Insurance
→ You can customize the coverage period starting from 1 day - Long Stay Travel Insurance
→ Pay the first 3 months of premiums in a single payment - Annual Multi-Trip Travel Insurance
→ Provides coverage for trips up to 60 days per year
The Travel Insurance plan is also divided into three coverage levels — Top, Premium, and Medical — each with different benefits and pricing.
Please see the table below for a clear overview of what each plan includes.
| Insurance Plan | Medical Insurance | Emergency Transportation or Return Costs | Lost/stolen belongings | Trip interruptions | |
|---|---|---|---|---|---|
| Travel Insurance | Top | $5,000,000 | $500,000 | $1,700 | $450 |
| Premium | $10,000,000 | $500,000 | $2,500 | $1,500 | |
| Medical | $10,000,000 | $500,000 | Without | Without | |
| Long Stay Travel insurance (Insurance period: 3 months) | $2,500,000 | $500,000 | $1,200 | $300 | |
| Annual Multi-Trip travel insurance (Insurance period: 60 days in one year) | $10,000,000 | $500,000 | $1,200 | $1,500 | |
If your trip to the United States is less than one month, the Travel Insurance plan will meet your needs.
The premium depends on the level of coverage you choose, so select a plan that fits both your budget and the protection you want.
You can find the insurance rates for each plan in the table below.
| Insurance Plan | 5 days | 10 days | 2 weeks | 1 month | |
|---|---|---|---|---|---|
| Travel Insurance | Top | $28.72 | $67.45 | $84.50 | $130.16 |
| Premium | $32.77 | $84.47 | $108.01 | $134.75 | |
| Medical | $26.24 | $61.65 | $77.24 | $118.99 | |
| Long Stay Travel insurance (Insurance period: 3 months) | $296.01 (3 months one-time payment for stays of less than 1 month) | ||||
| Annual Multi-Trip travel insurance (Insurance period: 60 days in one year) | $243.41 (one-time annual fee for stays of less than 1 month) | ||||
For more details, please visit the Heymondo official website.
World Nomads
World Nomads is a travel insurance provider that offers comprehensive coverage, although the premiums are slightly higher.
It has two insurance plans, the Standard Plan and the Explorer Plan, each with different pricing and coverage. You can find the details below.
| Coverage | Standard Plan | Explorer Plan |
|---|---|---|
| Medical Insurance | $5,000,000 | Unlimitedness |
| Medical Transportation and Repatriation | $5,000,000 | |
| Compensation for your companion | $5,000,000 | |
| Physiotherapy | $250 | $2,000 |
| Counseling | $250 | |
| Compensation for out-of-pocket expenses at the hospital (if you are hospitalized for more than 24 hours) | $2,000 | $3,000 |
| Emergency Dental Care | $300 | $500 |
| Cancellation before travel | $5,000 | $10,000 |
| Interruption of travel | $3,500 | $500 |
| Resumption of travel after returning home | $1,500 | $3,000 |
| Transportation delays (delays of 12 hours or more) | – Meals and drinks: $150 – Accommodation and transportation: $500 | – Meals and drinks: $300 – Accommodation and transportation: $1,000 |
| Missed flight connection | Without | Ask |
| Natural disaster | Accommodation and transportation: $1,750 | |
| Encountering hijacking damage | Without | $3,000 |
| Theft, damage or loss of loss of baggage | $2,500 | $3,500 |
| Theft or loss of passport (including driver’s license and visa) | $500 | $1,000 |
| Personal Liability Coverage | $1,000,000 | $2,500,000 |
| Damaged, stolen or accidental rental cars | Without | $2,000 |
| Theft or loss of rental car keys | Without | $600 |
A medical insurance policy with $5,000,000 of coverage is usually sufficient, but the Explorer Plan provides unlimited coverage and additional protection.
If you are traveling to the United States with a companion or plan to rent a car, World Nomads can be a good choice thanks to its broader coverage, even though the premiums are slightly higher.
You can find the insurance fees for each plan in the table below.
| Insurance Plan | Medical Insurance | 5 days | 10 days | 2 weeks | 1 month | |
|---|---|---|---|---|---|---|
| Standard Plan | Up to $5,000,000 | $53.36 | $132.79 | $198.89 | $265.07 | |
| Explorer Plan | Unlimitedness | $６1.86 | $149.17 | $222.54 | $297.99 | |
For more details, please visit the World Nomads official website.
Genki
Genki offers two types of insurance: Genki Native for long-term coverage and Genki Explorer for short-term travel.
The main differences between the two plans are outlined below.
As long as you are not residing abroad, you can use the short-term plan Genki Explorer.
The coverage details for Genki Explorer are shown in the table below.
| Insurance Details | Insurance Limit |
|---|---|
| Treatment, including inpatient and outpatient treatment | Unlimitedness |
| Medicines, Pharmaceuticals, Bandages | Unlimitedness |
| Treatments to reduce tooth pain (including simple fillings and repairs to repair denture function) | €500 |
| Dental care required as a result of an accident | €1,000 |
| Initial response to outpatient psychomedical care | €1,500 |
| Inpatient emergency treatment for psychiatric and psychological disorders of the first occurrence | €20,000 |
| Transportation costs to the next hospital by an authorized emergency medical service | Unlimitedness |
| Medically effective and reasonable evacuation for the transfer of the insured person to his place of residence | Unlimitedness |
| Repatriation of the body of the insured person upon death | Unlimitedness |
| Deductible applicable only during your stay in the United States: For emergency room treatment, exemption in case of medical necessity or subsequent inpatient treatment | Unlimitedness |
| Insurance Extension in the Case of Extended Stay Abroad for Medical Reasons | 90 days |
Genki is a travel insurance plan that focuses solely on medical coverage. It does not include protection for flight delays or lost or stolen belongings, which helps keep the premiums lower.
Genki also uses a monthly subscription system, so you cannot adjust the coverage period to match your exact travel dates. Once you sign up, your contract is valid for one month.
The monthly premium varies by age. If you are under 30 years old, you can receive unlimited medical coverage for 48.3 euros per month.
| Age of Enrollment | Monthly insurance premium |
|---|---|
| 20~29 years old | €48.30 |
| 30~39 years old | €57.30 |
| 40~49 years old | €72.30 |
| 50~59 years old | €105.00 |
| 60~69 years old | €163.30 |
As mentioned above, Genki offers cost-effective travel insurance with generous medical coverage. However, there are two important points to keep in mind.
Points to remember when using Genki
- A fourteen-day waiting period applies if you sign up while already abroad
- Because it is a monthly subscription, the policy renews automatically unless you cancel it yourself
The waiting period is the time between purchasing the insurance and when the coverage actually begins.
This system helps prevent misuse, such as taking out insurance after becoming sick or injured.
Additionally, be aware that your policy will continue renewing each month. If you no longer need the insurance, you must cancel it yourself to stop future payments.
For more details, please visit the Genki official website.
Summary: If you are on a short trip to the U.S., Heymondo is recommended!
If you choose based on the quality of insurance content, World Nomads will be the most reliable overseas insurance.
However, the monthly fee is somewhat higher.
| Insurance Services | Medical Insuranc | Insurance Rates | |||
| 5 days | 10 days | 2 weeks | 1 month | ||
| Heymondo | Up to $5,000,000 | $28.72 | $67.45 | $84.50 | $130.16 |
| World Nomads | Up to $5,000,000 | $53.36 | $132.79 | $198.89 | $265.07 |
| Genki | Unlimitedness | €48.30 (Only for monthly pricing plans) | |||
If you plan to stay in the United States for a few days to one week, Heymondo is the best option.
You can customize your coverage period, and the plan provides sufficient protection for the high medical costs in the U.S.
Genki, on the other hand, offers unlimited medical coverage for 48.30 euros per month. However, because it focuses only on medical insurance, it does not include benefits for flight delays or lost or stolen belongings.
Overall, Heymondo is likely the most cost-effective travel insurance for covering expensive medical care in the United States.
For travelers not planning to travel to the U.S.
Best Travel Insurance: Our Top Pick Is SafetyWing at $56/Month
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.
