SafetyWing vs Heymondo: Which Travel Insurance Is Better?

When Should You Get Travel Insurance?

Securing travel insurance is a critical step in planning any trip, whether it's a short getaway or a long-term adventure. Here are the key moments when obtaining travel insurance is essential:

• Before Booking Your Trip: Purchase travel insurance immediately after booking your flights and hostels. This ensures you're covered for any unforeseen changes or cancellations that may occur before your departure.
• During Trip Planning: If you're still finalizing your itinerary, purchasing insurance during the planning phase provides flexibility and comprehensive coverage tailored to your evolving travel plans.
• When Traveling to High-Risk Destinations: For trips to countries with expensive healthcare systems or regions prone to natural disasters, travel insurance offers essential protection against high medical costs and emergencies.
• Engaging in Adventure Activities: If your travels include activities like trekking, scuba diving, or extreme sports, specialized insurance coverage is crucial to protect against potential accidents and injuries.
• Long-Term Travel or Digital Nomadism: Extended stays abroad require robust insurance plans that offer continuous coverage, accommodating your dynamic lifestyle and changing locations.

Pro Tip: Don’t wait until the last minute to purchase travel insurance. Securing a policy early not only provides peace of mind but may also offer more comprehensive coverage options and better pricing. And no: This is indeed not a marketing-trick.

How to Get Travel Insurance: The Process

Navigating the process of obtaining travel insurance is straightforward when you understand the steps involved. Here's a step-by-step guide to help you secure the right coverage for your trip:

1. Assess Your Needs: Determine the type of coverage you require based on your travel plans, activities, and personal health considerations. Consider factors like trip duration, destinations, and any specific risks associated with your itinerary.
2. Compare Providers: Utilize comparison tools or consult comprehensive guides like ours to evaluate different insurance providers. Key aspects to compare include coverage options, premium costs, claim processes, and customer reviews.
3. Select a Plan: Choose a policy that aligns with your needs and budget. Pay close attention to the coverage limits, exclusions, and additional benefits offered by each plan.
4. Provide Necessary Information: Fill out the application form with accurate details, including your personal information, travel dates, destinations, and any pre-existing medical conditions.
5. Review the Policy: Carefully read through the policy documents to understand the terms and conditions. Ensure that all your selected coverage areas are adequately addressed.
6. Make Payment: Complete the purchase by paying the premium through the provider’s secure payment gateway. Some providers offer monthly subscriptions, while others require a one-time payment.
7. Receive Confirmation: Upon successful payment, you will receive a confirmation email with your policy documents. Keep these documents accessible during your travels, either digitally or in print.
8. Understand the Claims Process: Familiarize yourself with the steps to file a claim in case of an emergency. Knowing the process in advance can save time and reduce stress during unforeseen events.

Pro Tip: Make yourself a list of the absolute basics you want your insurance to cover. This will simplify your decision-making process. If diving is a must for you, make sure it’s included. It's incredibly frustrating to purchase a policy only to discover that a key activity isn’t covered.

What Affects the Price of Your Travel Insurance?

Let's talk money: How much does this insurance set me back? Find below the calculator by Genki. Check how much your own insurance would be:

Your travel insurance premium is influenced by several key factors that determine the level of risk and coverage you require. Understanding these parameters can help you make informed decisions and potentially lower your insurance costs.

• Nationality: Depending on your nationality, certain regions may have higher or lower risk profiles, affecting premium costs.
• Age: Generally, older travelers may face higher premiums due to increased health risks.
• Destination: Traveling to countries with expensive healthcare systems or higher risk of natural disasters can elevate your premium.
• Duration of Travel: Longer trips typically result in higher premiums as the duration of coverage extends.
• Travel Purpose: Business trips, leisure travels, or adventure activities can influence the type of coverage required and the associated costs.
• Health Status: Pre-existing medical conditions may require additional coverage or result in higher premiums.
• Coverage Limits: Higher coverage limits for medical expenses, trip cancellations, and other benefits will increase the premium.
• Policy Type: Comprehensive plans with extensive coverage options are more expensive than basic plans with limited benefits.
• Deductibles and Exclusions: Policies with lower deductibles typically have higher premiums, while those with more exclusions may offer lower costs.

Pro Tip: To get the best rates, compare multiple providers and tailor your coverage to exclude unnecessary extras. Additionally, maintaining a healthy lifestyle and avoiding high-risk activities can help reduce your premium costs.

Sports Covered By Safetywing Nomad Insurance

Below you’ll find a full list of all sports activities covered by SafetyWing insurance. Please note that coverage may change over time, so we recommend double-checking the official SafetyWing website for the most up-to-date information. SafetyWing also offers add-ons for adventure sports coverage for extra $10/month. You can find the list of sports included in the add-ons here.

Sports Covered By Heymondo Top

What sports does Heymondo cover? Below you’ll find a comprehensive list of sports activities covered by Heymondo insurance. Coverage details may change, so we recommend checking the official Heymondo website for the latest information. Heymondo also offers optional add-ons for adventure sports coverage for an additional $10/month. You can explore the list of sports included in the add-ons here.

Sports Coverage by Genki Explorer

Genki Explorer covers virtually every sports activity to match your active lifestyle. Surfing, kitesurfing, skiing, snowboarding, kayaking, cycling, mountain biking, and hiking, for example, are covered. Rather than telling you what is covered, they specifically lay out what activities are not covered. These not covered activities are called Dangerous activities.

Exclusions - Dangerous activities 🚫

• Dangerous sports: Diving, motorcycle & car racing (normal driving is fine), parachuting, paragliding, bungee & base jumping, free climbing, and mountaineering (if specialized equipment is required)
• Pre-existing conditions (any condition treated or advised within 6 months prior to policy start)
• Professional sports (if you’re earning compensation for participation)
• Injuries resulting from drugs or excessive alcohol consumption
• Active participation in war (passive roles like journalism are covered)