🏥 Long-Term Travel Insurance

SafetyWing vs Chapka vs WorldNomads. We tested them, here’s our verdict.

Traveling without long-term health/medical evacuation insurance is much too big a gamble - an accident or hospitalization abroad can cost tens of thousands of euros without coverage.

🔍 What sets “nomad travel” insurance apart from a standard policy

Standard travel insurance is designed for short stays (2-4 weeks), often with one fixed destination country. For slow travel across several months/years and multiple countries, you need a plan specifically designed for digital nomads, with:

• Monthly renewal with no long commitment
• Multi-country coverage without having to declare every move
• A plan you can subscribe to from abroad (not all of them allow this)

🏆 Our choice: SafetyWing

We’ve used SafetyWing since the start of our trip. Monthly plan with no commitment, health + emergency coverage internationally, 100% online sign-up.

Price: around $45/month per person (the exact rate depends on age and chosen coverage zone).

📋 Alternatives worth knowing

Chapka - French insurer, specific “expat”/long-term plans, useful if you prefer a French-speaking contact.

WorldNomads - Well positioned for higher-risk activities (extreme sports, high-altitude trekking…) if your trip includes that kind of activity.

⚠️ What you absolutely must check before subscribing

• The evacuation and hospitalization coverage cap
• The exclusions (risky sports, conflict zones, pregnancy…)
• Any waiting period after sign-up

This guide may contain affiliate links to the insurers mentioned.

Question about your current coverage? Write to us: romain.steph@ourlifeabroad.com