Choosing Between World Nomads or SafetyWing Travel Medical Insurance For Americans – and Others

For us, choosing travel medical insurance came down to choosing between World Nomads or SafetyWing.

Here is our Guide to Travel Health Insurance for Americans (and Other Nationalities Too!)

Here is our analysis of World Nomads travel medical insurance.

Here is our analysis of SafetyWing travel medical insurance.

Our First Choice Is SafetyWing

After comparing costs and coverage of World Nomads Travel Medical Insurance or SafetyWing Travel Medical Insurance our first choice was SafetyWing.

We liked SafetyWing better even though we are too old to qualify for their super low rate for people under 39.

SafetyWing travel medical insurance for Americans

Which made it slightly more expensive than World Nomads Travel Medical Insurance for us.

Mostly we just love SafetyWing’s vision of building toward a complete suite of protections and benefits for entrepreneurs – fully functioning across the globe.

It’s a vision that we definitely wanted to be a part of even as they build it out.

So we went to sign up for SafetyWing travel medical insurance.

SafetyWing or World Nomads Travel Medical Insurance

Just one little hitch. We are residents of Florida.

Choosing between World Nomads and SafetyWing Travel Medical Insurance

And currently SafetyWing cannot offer insurance for addresses in Florida. Something about satisfying Florida state insurance regulators about their innovative insurance product. Classic case of bureaucracy standing in the way of innovation.

We contemplated signing up for SafetyWing travel medical insurance under one of our parents’ addresses. Or just using the address of whatever homestay we happened to be in around the world at the moment.

But then we thought about how that would look if we ever did have to file a large claim. And decided that using an address other than our permanent address in Florida might be cause for them to deny a claim.

If and when SafetyWing is able to offer insurance for addresses in Florida we will likely switch to SafetyWing travel medical insurance.

We Bought World Nomads Travel Medical Insurance

Since we were unable to purchase SafetyWing Travel Medical insurance with a Florida address we bought World Nomads Travel Medical Insurance instead.

We signed up for 2 months at a rate of about $110.30 per month per person (or an annualized cost of about $1323.60 per person).

For that premium we get the following coverage.

World Nomads Travel Medical Insurance coverage

Bottom Line – Choosing Between World Nomads or SafetyWing

So we ended up with the slightly less expensive travel medical insurance by going with World Nomads travel medical insurance.

But one of the advantages of both of these programs is that there are no long-term commitments required.

Each time we come up for renewal we’ll reconsider our options and go with the travel medical insurance provider that best fits our needs at that moment!

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