Which Plan Is Right For You?

Whether you’re traveling to Europe for two weeks or planning an epic round-the-world adventure, you need travel insurance.

Seriously.

I know, it’s not a fun topic to read about. And yes, it will add to your travel budget. But after almost two decades on the road, I’ve learned the hard way just how important travel insurance can be.

I’ve had my luggage lost, I’ve popped an eardrum, and I’ve even been stabbed. Throw in countless delayed and cancelled flights and I’d be out thousands upon thousands of dollars.

Fortunately, I had travel insurance. They were there to help me navigate the problems and ensure I didn’t go broke paying for emergency expenses.

These days, SafetyWing is my go-to travel insurance company. I’ve been using them for years and have found their plans to be super affordable, their customer service fast and friendly, and their coverage to be sufficient for what I need.

Currently, SafetyWing offers two plans for travelers:

• Nomad Insurance Essential
• Nomad Insurance Complete

While both plans are great, they are each designed for specific kinds of travelers. In this post, I’ll break down what each plan covers and who it is for so you can decide which plan is best for your next trip.

The SafetyWing Essential Plan

This is the main travel insurance plan from SafetyWing. It’s designed for travelers who want basic coverage without breaking the bank. It’s the plan I use when I travel these days.

The plan costs just $56.28 USD for 4 weeks (for travelers aged 10-39). That’s one of the lowest prices out there for reliable travel insurance. They are super competitive when it comes to price.

For comparison, similar plans from other companies are double that (or more). The plan is suitable for travelers up to age 69, though travelers 60–69 will be paying $196.84.

Here is what the Essential plan covers at a glance:

• $250,000 for emergency medical treatment and hospitalization
• $100,000 for medical evacuation
• $250,000 for motor accidents
• Up to $3,000 for lost luggage ($500 per item)
• $10,000 for evacuation due to political unrest
• $5,000 for trip interruption
• $200 for travel delay ($100 per day for two days)

They also have three helpful add-ons:

• Coverage for adventure sports
• Coverage if you’re visiting the US
• Coverage for electronics theft

Since not everyone needs these, I like that they are available as add-ons. Personally, I always need extra electronics coverage, but I never need coverage for adventure sports since…