Heymondo vs SafetyWing: Comprehensive Review

Quick Comparison: Heymondo vs SafetyWing

For this comparison, we’ll be looking at SafetyWing’s Nomad Insurance and Heymondo’s Standard Travel Insurance, as these are the most relevant options for long-term travelers and backpackers. SafetyWing also offers plans for remote teams and businesses, while Heymondo provides single-trip, long-stay, and annual multi-trip policies with varying levels of coverage.

​Here's a concise comparison table highlighting the key features of SafetyWing and Heymondo travel insurance plans:​

Coverage	SafetyWing	Heymondo
Medical Expenses	Up to $250,000	Up to $10,000,000
Emergency Evacuation	Up to $100,000	Included in medical coverage
Trip Cancellation	Not included	Up to $7,000
Trip Interruption	Up to $5,000	Included in trip cancellation
Travel Delay	Up to $100/day after 12-hour delay (max 2 days)	Coverage amount varies; included in travel disruption
Lost Checked Luggage	Up to $3,000 per certificate period; $500 per item	Up to $2,500
Baggage Delay	Not included	Coverage amount varies; included in travel disruption
Adventure Sports Coverage	Included for certain activities; verify specifics	Optional add-on
Electronics Coverage	Optional add-on	Optional add-on
Personal Liability	Up to $250,000	Up to $60,000
Accidental Death & Dismemberment	Up to $20,000	Up to $60,000
Deductible	$250 per certificate period	No deductible
Policy Flexibility	Subscription-based; renews every 28 days	Single Trip, Long-Stay, and Annual Multi-Trip plans
Home Country Coverage	Limited coverage; up to 30 days every 90 days for U.S. residents; up to 15 days every 90 days for others	Not included
Age Limit	Up to 69 years old	Up to 49 years old
COVID-19 Coverage	Included as part of standard medical coverage; quarantine costs up to $50/day for 10 days	Included in medical coverage; trip cancellation due to COVID-19 covered

Standout Features

Please note: Coverage details are up to date as of my recent research and comparison in 2025, as usual, these are subject to change so be sure to always consult the official policy documents before purchasing.

My Experience With SafetyWing & HeyMondo

After traveling full-time since 2018, travel insurance has basically become my healthcare and belongings coverage rolled into one. Everything I own fits in my bags, so making sure both my health and my camera gear are covered is a big deal.

I guess you could call me a digital nomad, but we move around a lot—usually at least once a month—so flights, buses, boats, and all kinds of transport are a constant in my life.

I used SafetyWing for 4 years, covering me across Southeast Asia (Thailand, the Philippines, Indonesia) and the Indian subcontinent (Sri Lanka, Nepal, India). Luckily, I never had to make a claim, but I met plenty of other travelers who did—some even in their home countries, thanks to SafetyWing’s rule that allows limited coverage for up to 30 days every 90 days for U.S. residents and 15 days every 90 days for everyone else.

Every traveler I spoke to who filed a claim had a smooth experience and got reimbursed quickly. From what I’ve seen, their claims process is just as solid as their customer service and app, which made it incredibly easy to manage my plan, pause coverage, or renew on the go. For me, it was a great option—affordable, flexible, and exactly what I needed for general peace of mind.

About two years ago I discovered Heymondo. Their long-term plan offered higher medical coverage limits for a lower price, so I made the switch for my ongoing travel insurance.

In 2024, I put that policy to the test when I ruptured my bicep tendon in Thailand. Heymondo handled everything—from doctor visits to scans to the actual surgery. The process was smooth, I could contact support and their medical team via the app (internet calls, which was a lifesaver), and most importantly, I didn’t have to pay for the surgery upfront. They settled the bill directly with the hospital, which was a huge relief.

The only thing I had to cover out-of-pocket was $2,000 for the implant, but Heymondo was upfront about that from the start—it was clearly listed in their terms that implants weren’t covered and they mentioned that to me straight away after the first mention of the word "surgery". Based on my experience with other insurance claims in the past, it didn't feel "sneaky" at all– no back-and-forth fighting to get reimbursed, just a clear and transparent process from the beginning.

Honestly, having been through the stress of needing surgery in a foreign country, knowing I didn’t have to fight an insurance company for coverage was a huge relief.

Compared to other travel insurance companies that seem to find every excuse not to pay out, Heymondo felt genuinely helpful and I had an overwhelmingly positive experience despite the context. For a full review check out the link above where I go into more details about my claim and the process.

Now, below, I’ll break down Heymondo vs. SafetyWing in more detail—comparing their coverage, flexibility, claims process, and pricing—so you can decide which is the better fit for your travels.

Comparing SafetyWing to HeyMondo - What's Covered?

When choosing between SafetyWing and Heymondo for travel insurance, the main differences lie in coverage limits and policy flexibility. Heymondo offers higher medical coverage and more comprehensive trip protection, while SafetyWing provides a budget-friendly, subscription-based model ideal for long-term travelers.

Medical & Hospital Cover

Heymondo provides medical coverage up to $10,000,000 USD, covering hospitalization, surgery, doctor visits, emergency dental treatment, and repatriation. Their policy includes direct billing, meaning you often don’t need to pay upfront for major hospital treatments, which can be a huge relief in an emergency.

SafetyWing offers up to $250,000 USD in medical coverage, which includes hospital stays, ambulance services, diagnostic exams (like MRIs and CT scans), and emergency dental (capped at $1,000). However, it has a $250 deductible, meaning you must pay that amount before your coverage kicks in.

Which is better? Heymondo is the clear winner for medical coverage, offering far higher coverage limits and a smoother claims process, especially for hospital stays and surgeries where they handle payments directly with the hospital. SafetyWing is a good budget option but requires paying out-of-pocket first and claiming later, which isn’t ideal for expensive medical emergencies.

Trip Cancellation & Changes

Heymondo offers trip cancellation coverage up to $7,000 USD, reimbursing non-refundable expenses if you need to cancel your trip due to covered reasons such as illness, injury, or family emergencies. Additionally, they provide trip interruption coverage, which compensates for unused portions of your trip and additional expenses incurred if you must cut your trip short for similar reasons. ​

SafetyWing does not include trip cancellation coverage in its Nomad Insurance plans. However, they do offer trip interruption coverage up to $5,000 USD, which can reimburse you for unused trip expenses and additional transportation costs if you need to return home unexpectedly due to specific emergencies.

Which is better? Heymondo provides more comprehensive protection by covering both trip cancellation and interruption, offering higher coverage limits. This makes it a better choice for travelers seeking extensive trip protection. SafetyWing's lack of trip cancellation coverage may leave you vulnerable to financial losses if you need to cancel your trip before departure.

Baggage & Personal Belongings Coverage

Heymondo offers baggage coverage up to $3,000 USD under their Premium plan, protecting against loss, theft, or damage to your luggage and personal items. This includes coverage for electronic devices, which can be particularly valuable for travelers carrying laptops, cameras, or other high-value items.

SafetyWing provides coverage for lost checked luggage, offering up to $500 USD per item, with a maximum of $3,000 USD per policy period. However, this coverage applies specifically to checked baggage lost or damaged by the carrier and does not extend to personal items lost or stolen during your travels. ​

Which is better? Heymondo provides more comprehensive coverage for baggage and personal belongings, including protection against theft, loss, or damage of both checked and unchecked items, as well as specific coverage for electronic devices. SafetyWing's coverage is more limited, focusing primarily on checked luggage lost or damaged by the carrier, and does not extend to personal items lost or stolen during your travels.

Adventure & Sports Coverage

Heymondo covers a wide range of adventure activities like hiking, diving, and snow sports, but higher-risk activities (like trekking above 3,000m, canyoning, and bungee jumping) require an add-on. Their max altitude coverage is 5,000m with an upgrade, which works for most treks but won't cover standard high altitude treks like the Everest Base Camp trek or K2 Base Camp in Pakistan.

SafetyWing includes hiking up to 4,500m in its base plan, which is already higher than Heymondo’s standard limit. If you need coverage for scuba diving, skydiving, or white-water rafting, you can add it for $10 per 4 weeks, making it the cheaper option for adventure travelers.

Which is better? SafetyWing is the better choice for adventure sports, offering higher altitude coverage by default and a cheaper upgrade option. However, neither plan is ideal for remote evacuations in extreme environments. If you're trekking at very high altitudes or doing serious mountaineering, I'd recommend getting dedicated high altitude trekking travel insurance—I personally use Global Rescue.

Flexibility & Ease of Use

Heymondo offers flexible plans, including single-trip, long-stay, and annual multi-trip options, but you need to select a trip duration in advance. If you’re already abroad, you can purchase a plan mid-trip, though a 72-hour waiting period applies. Their mobile app makes it easy to contact support, file claims, and manage your policy, but you can’t pause a plan and reactivate it without buying a new one.

SafetyWing runs on a subscription model, meaning you don’t need to set an end date—coverage automatically renews every 28 days until you cancel. This makes it a great option for digital nomads or travelers on open-ended trips. You can buy a plan while already abroad, with no waiting period, and pause or restart coverage anytime through the app.

Which is better? SafetyWing is easier to manage for long-term travelers since it runs on a flexible monthly subscription instead of a fixed-duration plan. Heymondo is still a great choice, especially for set trips, but for nomads or those traveling indefinitely, SafetyWing makes life simpler.

My Final Verdict: SafetyWing vs Heymondo

I want to be upfront—I have affiliate partnerships with both of these providers, which means if you buy through my links, I get a commission. But like everything on We Seek Travel, my recommendations are based on real-world use, not on who pays me more.

I’ve been traveling full-time since 2018 and have used SafetyWing for four years and Heymondo for two, swapping between them based on what suited my travels best at the time.

So, which one is better? Well, it depends on what kind of traveler you are and what you need from your insurance.

I think Heymondo is better for:

• Anyone who wants more comprehensive coverage—higher medical limits, trip cancellations, baggage protection, and better direct hospital billing.
• People who prioritize medical security—after my surgery in Thailand, I was seriously impressed by how smoothly they handled everything. I never had to chase reimbursements, and I could call a doctor straight from the app.
• Long-term travelers who want clear pricing—Heymondo’s long-stay plan gives you a fixed rate for an extended trip rather than a rolling monthly subscription. If you're planning a multi-month journey, it can be more cost-effective.

I think SafetyWing is better for:

• Digital nomads and flexible long-term travelers—if you don’t want to think about renewals, their rolling 28-day subscription model is super easy to manage.
• Budget-conscious travelers—their base plan is cheaper than Heymondo for basic coverage, especially if you don’t need trip cancellations or high-value baggage protection.
• People who are already abroad—you can buy SafetyWing anytime, with no waiting period, while Heymondo has a 72-hour delay if purchased mid-trip.

My Verdict: I Currently Use Heymondo

Right now, I personally go with Heymondo—and that’s because I want a slightly more comprehensive plan since my travel insurance is my main insurance. It covers my health, my gear, and my general movements between countries.

What really solidified it for me was my surgery in Thailand. The claims process was seamless, I didn’t have to pay upfront for hospital bills, and I could talk to medical staff 24/7 via the app, which actually saved me a few unnecessary doctor visits. Their long-term plan also makes sense for how I travel, as I prefer fixed pricing over a rolling subscription.

That being said, I still keep an eye on SafetyWing, and I’ve swapped between the two before. If my priorities shift—say I need more flexibility over full coverage—I’d consider switching back.

At the end of the day, both are solid choices, and I’d recommend either depending on what fits your travel style best.