SafetyWing vs Heymondo vs Genki (2026): which travel insurance fits you?
Subscription or per-trip? We compare the three insurers most used by nomads and long-term travelers on price, medical limits and exclusions.
November 4, 2026 · 5 min read · SeguRank
Quick verdict
- SafetyWing — best for open-ended nomad life on a cancel-anytime 4-week subscription (USD 62.72 per 4 weeks, ages 18-39, USD 250,000 medical, USD 0 deductible).
- Heymondo — best for fixed trips with adventure sports and a 24/7 in-app doctor chat (about USD 30-60 for two weeks).
- Genki — best if you are already abroad: a monthly subscription you can buy mid-trip (~EUR 33/month, ages 18-35).
Side by side
| SafetyWing Essential | Heymondo | Genki Traveller | |
|---|---|---|---|
| Model | 4-week subscription | Per trip | Monthly subscription |
| Price example | USD 62.72 / 4 weeks (18-39) | USD 30-60 / 2 weeks | ~EUR 33 / month (18-35) |
| Medical | USD 250,000 | up to USD 10M (premium plans) | EUR 1,000,000 per case |
| Deductible | USD 0 | USD 0 on most plans | 0-250 EUR by tier |
| Adventure sports | Add-on (+USD 10 / 4 weeks) | Most plans | All tiers |
| Pre-existing | Not covered | Limited, higher tiers | After waiting period |
| Buy mid-trip | Yes | No — before departure | Yes |
| Trip cancellation | Not included | Interruption included | Not included |
Sources: freakingnomads.com (Sep 2026), earthsims.com (Mar 2026). Prices vary by age and region; always get a live quote.
Which should you choose?
- Long, open-ended travel: SafetyWing or Genki. SafetyWing is simpler; Genki adds outpatient and dental on higher tiers.
- A two-week holiday with skiing or diving: Heymondo.
- Over 65: Genki only accepts new members up to 65 and SafetyWing Essential stops at 69 — check eligibility first.
FAQ
Can I buy SafetyWing after I have left home?
Yes. SafetyWing and Genki can be bought while abroad; Heymondo must be bought before departure.
Does SafetyWing cover COVID?
Yes, SafetyWing Essential covers COVID-19 like any other illness.
SeguRank has commercial relationships with some providers it covers, including HOLASIM. They do not change the published data.
