Best Travel Insurance for Digital Nomads (SafetyWing vs Heymondo)
Disclosure: inventgo may earn a commission if you buy through links on this page, at no extra cost to you. Learn more.
From the Maldives I see a steady stream of remote workers: people working from Malé cafés and guesthouses, people on liveaboard dive trips, people hopping on to Sri Lanka or Bali. The question they all eventually ask is what insurance actually covers them. Two names come up again and again: SafetyWing and Heymondo. Here's how they compare, based on what each company publishes on its own pages.
Comparison table
| SafetyWing (Nomad Insurance Essential) | Heymondo (Long Stay) | |
|---|---|---|
| Billing model | Subscription, paid every 4 weeks; or pay in full for specific dates | Minimum 90-day policy, renewable from the website or app |
| Max length | Up to 364 days at a time | Renew as needed (renewal prices shown upfront) |
| Overall / medical limit | US$250,000 overall limit | Medical expenses up to US$2,500,000 |
| Deductible | None on Essential | A medical deductible may apply; check your quote |
| Home-country cover | Up to 30 days of medical cover in your home country | Covers you while outside your home country |
| Baggage | Check the policy wording | Luggage theft and damage up to US$1,200 |
| Repatriation | Check the policy wording | Repatriation and early return up to US$500,000 |
| Main exclusions (stated) | Pre-existing conditions, maternity care, cancer treatment | Routine check-ups and pre-existing conditions (see wording) |
| Age | Pricing shown by age band (e.g. 18–39) | Long Stay age limit of 49 |
| Extras | Pricing calculator, auto-renewal | Add-ons for electronics and adventure sports; 24/7 medical chat in the app |
| Quote | Get a SafetyWing quote | Get a Heymondo quote |
Based on SafetyWing's and Heymondo's official pages on 15 Oct 2026. Benefits and prices change, so the policy document always wins.
SafetyWing: the flexible subscription for nomads
SafetyWing built Nomad Insurance for people without a fixed return date. Instead of buying a fixed trip, you can subscribe and pay every 4 weeks, or pay upfront for specific dates. A single coverage period can run up to 364 days. The Essential plan has a US$250,000 overall limit, and SafetyWing's help centre confirms the Essential plan now has no deductible. It also includes up to 30 days of medical cover in your home country, which is handy for a quick visit home.
SafetyWing's page shows its price for the 18–39 age band, and other ages are priced differently. Use its calculator for your exact figure rather than trusting any number you read online.
Pros
- Pay-as-you-go 4-week billing suits uncertain plans
- No deductible on Essential
- Some home-country medical cover included
- Up to 364 days per coverage period
Cons
- The US$250,000 overall limit is much lower than Heymondo's medical limit
- Doesn't cover pre-existing conditions, maternity care or cancer treatment
- Gadget and baggage protection isn't its main focus, so check the wording
Who it's for: long-term nomads and remote workers who move often, want simple recurring billing, and value having no deductible.
Check SafetyWing's current price
Heymondo: high limits and gadget add-ons for long trips
Heymondo's Long Stay plan is for trips of at least 90 days. You can renew it whenever you like from the website or app, and renewal prices are shown upfront. Its official page lists medical expenses up to US$2,500,000, luggage theft and damage up to US$1,200, and repatriation and early return up to US$500,000, plus cover for transport delays. You can add electronic equipment and adventure sports cover, which matters if your laptop and camera are your livelihood or you plan to dive. Heymondo notes that add-ons you choose stay on the policy when you renew.
The app includes 24/7 medical chat and video consultation and in-app claims. Note the age limit of 49 for Long Stay. Read the general conditions for deductibles and exclusions, including how pre-existing conditions are treated.
Pros
- Very high medical limit
- Baggage, delay and repatriation cover listed upfront
- Optional electronics and adventure-sports add-ons
- 24/7 medical chat in the app
Cons
- Minimum 90-day purchase, so it's less flexible for short stints
- Age limit of 49 on Long Stay
- Add-ons raise the price and can't be dropped at renewal
Who it's for: nomads under 50 on longer stays who want high medical limits and protection for expensive gear.
Get a Heymondo Long Stay quote
Things to check before you buy (whichever you choose)
- Diving and water sports: in the Maldives, check exactly which activities and depths are covered. On Heymondo, add the adventure-sports option if you need it.
- Your country of residence: both insurers set rules on where you live and where you're covered. Check that your situation qualifies.
- Gadgets: laptop and camera cover is often limited or offered as an add-on. Read the per-item limits.
- How claims work: look at how you submit a claim, and whether the insurer can pay the hospital directly or you pay first and claim back.
FAQ
Is SafetyWing or Heymondo better for digital nomads?
It depends on what you need. SafetyWing suits flexible, open-ended travel with 4-week billing and no deductible on Essential. Heymondo suits longer stays where you want higher medical limits and electronics or sports add-ons, as long as you're within its age limit.
Does SafetyWing have a deductible?
According to SafetyWing's help centre, Nomad Insurance Essential has no deductible. Older plans did.
Can I buy Heymondo Long Stay for less than 90 days?
No. Long Stay is sold for a minimum of 90 days. For shorter trips, look at Heymondo's other travel plans.
Do these plans cover pre-existing conditions?
Both list pre-existing conditions among their exclusions. Heymondo's wording explains how emergencies related to them are handled. Read the official policy documents for the details.
Does either cover my laptop?
Heymondo offers an electronic-equipment add-on. For SafetyWing, check the policy wording for what personal belongings cover is included.
How much does it cost?
Prices depend on age, destinations and options, so get a live quote. SafetyWing shows age-banded 4-week pricing, and Heymondo shows renewal prices upfront.
Conclusion
If you want the easiest subscription-style cover with no deductible and some home-country cover, start with SafetyWing. If you're on a 90+ day trip, are 49 or under, and want high medical limits plus gadget or adventure add-ons, Heymondo Long Stay is worth a quote. Get quotes from both for your exact dates. It only takes a few minutes, and it's the only way to see your real price.
Compare quotes: SafetyWing · Heymondo
Work Anywhere