How much does travel insurance cost in 2026? Real prices by plan
Collected 2026 prices for SafetyWing, Heymondo, Genki and Latin American insurers, with medical limits and the source for every figure.
November 4, 2026 · 4 min read · SeguRank
The short answer
| Insurer | Plan | Medical cover | Price |
|---|---|---|---|
| SafetyWing | Essential, 4 weeks (age 18-39) | USD 250,000 | USD 62.72 |
| SafetyWing | Complete, monthly | USD 1,500,000 | USD 177.50 |
| Heymondo | 2-week trip | up to USD 10M on premium plans | USD 30 – 60 |
| Genki | Traveller, monthly (18-35) | EUR 1,000,000 per case | ~EUR 33 |
| Assist Card | Europe 15 days | USD 60,000 | USD 80 – 100 |
| Universal Assistance | Europe 15 days | USD 60,000 | USD 65 – 85 |
Sources and dates for every row are in the price index. SafetyWing figures: freakingnomads.com (updated Sep 2026); Heymondo and Genki: earthsims.com (Mar 2026).
What drives the price
- Destination — US cover costs the most (SafetyWing charges a US add-on).
- Age — SafetyWing Essential climbs by age tier and stops at 69.
- Model — subscriptions (SafetyWing, Genki) suit long stays; per-trip plans (Heymondo, World Nomads) suit fixed holidays.
- Extras — trip cancellation, adventure sports, electronics.
How much cover?
Schengen visas require at least EUR 30,000. For the US, aim for USD 60,000 or more.
FAQ
What is the cheapest travel insurance for digital nomads?
Among the plans we track, Genki Traveller (~EUR 33/month for ages 18-35) and SafetyWing Essential (USD 62.72 per 4 weeks for ages 18-39) are the lowest monthly prices.
Does SafetyWing cover trip cancellation?
No — SafetyWing Essential does not include trip cancellation.
SeguRank has commercial relationships with some providers it covers, including HOLASIM. They do not change the published data.
