(Up to date 18th March 2026)
Insurance coverage might be the very last thing that you just need to take into consideration if you find yourself planning a solo trip however journey insurance coverage is certainly one thing that you just should not journey with out. Now greater than ever with the Center East battle and the uncertainty of the world that we dwell in.
Over my twenty 5 years of solo journey, and 152 nations visited, I’ve at all times travelled with insurance coverage for each single journey and have used varied journey firms. Should you’re in search of the very best insurance coverage for solo travellers, I share my favourites under.
N.b. SafetyWing begins from simply $56 a month for worldwide protection – see their current pricing here
N.b. All of those insurance coverage suppliers are affiliate hyperlinks. This does not price you any further and with my aim to deliver hope to youngsters in battle zones. Thanks for serving to. Lisa x
| Supplier | Finest For | Value vary (approx) | Recognized for |
|---|---|---|---|
| Security Wing | Digital nomads and long-term travellers | £45-£65 per 4 weeks (ages 18-39) | Versatile subscription insurance coverage designed for long-term journey. |
| True Traveller | Backpackers, hole 12 months travellers, and journey activites | £1-£2 per day relying on journey size | Wonderful worth for journey journey with robust exercise cowl and excessive medical limits. |
| World Nomads | Journey travellers and shorter journeys | £60-£150 per 30 days relying on plan | Effectively-known model with intensive journey sports activities protection. |
Chances are you’ll need to tick it off your record however getting the incorrect cowl can work out much more pricey particularly if you end up needing to assert. Once you’re travelling alone, it is much more necessary to get the correct cowl, particularly medical cowl while you solely have your self to take care of. With so many insurance coverage firms and so many pages of small print to learn by way of, how have you learnt what to search for in journey insurance coverage?
1. Extra
It’s best to test and ensure the a lot you can be eligible to assert for those who needed to cancel your journey or misplaced your pockets or every other surprising factor. You do not need to assert in your journey coverage solely to find that you’re not coated for that particular loss. Know what it’s you’re bringing with you throughout your travels and ensure you have the correct quantity of canopy. It may be as follows:
- £1,500 to cowl your baggage
- £250 for misplaced money
- £3,000 cancellation cowl; it can be sufficient to cowl the full price of the journey
The surplus is the quantity you must pay if you must declare. Typically talking, the upper the surplus the decrease the insurance coverage premium. Should you choose a coverage with a less expensive extra of simply £50 then the premium you must pay can be costlier than one with an extra of £100. Should you’re on a price range search for the next extra for the most affordable value however be ready to pay that price if you must declare.
2. Length
Verify the variety of consecutive days the coverage will cowl you for throughout your journey particularly for those who’re away for greater than 30 days Take into account that your insurance coverage won’t be legitimate as soon as this restrict is met, even when it’s only someday after.
In case you are planning to journey a number of instances a 12 months, take out an annual coverage. An annual coverage can cowl you as much as 90 days at a time over a 12-month interval. Some firms help you prolong your length while you’re away, which is ideal for those who resolve to remain someplace longer. Simply don’t overlook to contact them.
3. Private Gadgets
Your insurance coverage suppliers count on you to be cheap and be eager on the security of your belongings. For example, some insurance policies won’t cowl any cash that was stolen or went lacking if it was not locked away in a security deposit field or when in your individual. Meaning you will be unable to assert something for those who mistakenly forgot your pockets on the pool or left cash mendacity about within the lodge room.
In case you are taking your laptop computer, pill or smartphone, guarantee that the private objects cowl the complete quantity of your valuables. Some solely cowl as much as a certain quantity per merchandise, so in case your cellphone is price extra (and whose isn’t?), then be sure that it can cowl the complete worth.
The acknowledged determine is the quantity the insurer can pay for it while you make a declare no matter the quantity of canopy you might have taken in your private belongings. Most often, the only merchandise limits are about £300, however some insurance policies can improve this for those who pay a sure payment. Some insurance coverage suppliers do not embrace cell phones of their journey insurance policies so you could have to pay a further payment or coverage to cowl it. * See exactly what’s included
4. Actions
In case your journey itinerary consists of actions corresponding to bungee leaping, kayaking, scuba diving, or horse using, you need to be sure that your insurance coverage coverage covers you when you have an accident when participating in such issues. Some plans deem sure actions as “hazardous” and won’t cowl them. Others might embrace them, however for those who pay a bit further.
Should you’re an adventurous solo test the small print to see if the actions you need to do are included. Some firms don’t cowl excessive journey sports activities corresponding to bungee leaping and can solely insure you as much as the usual 2000 metres for trekking which isn’t superb for those who’re trying to go to Everest Base Camp for instance. Get a free quote – takes 3 minutes
5. Medical
Journey insurance coverage will be one of the crucial costly prices in your journey however it’s needed. Should you can’t afford the complete cowl and don’t thoughts in case your flight will get delayed or haven’t any valuables in your baggage then have a look at decreasing it down to simply embrace the medical bills as an alternative. Listed here are some key medical coverages to search for:
- Emergency Medical Bills: This covers the price of medical remedy for those who fall ailing or get injured whereas touring. Search for a coverage that gives a excessive protection restrict to make sure you’re adequately protected.
- Emergency Medical Evacuation: This protection pays for transportation to the closest appropriate medical facility for those who require emergency evacuation as a result of a severe sickness or damage that can’t be adequately handled at your location.
- Repatriation of Stays: Within the unlucky occasion of your demise whereas touring, this protection pays for the transportation of your stays again to your own home nation.
- Hospitalization Bills: Covers the prices related to hospital stays, together with room costs, nursing providers, and different medical bills incurred throughout your hospital keep.
- Emergency Dental Remedy: This protection pays for emergency dental remedy ensuing from an damage throughout your journey.
- 24/7 Help Companies: Entry to a helpline that gives help find medical care, arranging emergency medical transportation, and speaking with healthcare suppliers if wanted.
- Medical Cowl for Being pregnant: Should you’re pregnant, test if the coverage covers medical bills associated to being pregnant issues or childbirth throughout your journey.
- Protection for Prescription Drugs: Some insurance policies present protection for the alternative of misplaced or stolen prescription medicines throughout your journey.
6. Locations That Would possibly Be Excluded
Ensure that your vacation spot is included. Some suppliers can provide a European cowl that features nations corresponding to Egypt and Turkey while others will not. And taking worldwide cowl doesn’t essentially imply that it’s going to embrace each nation as many exclude the USA and Canada. Australia & New Zealand will be separate locations too. Ensure to incorporate all of the locations that you’re planning to go to to make sure you are coated for each.
Should you’re uncertain methods to plan your solo journey, take a look at my Plan Your Trip article
7. Pre-Current Situations
You will must disclose any pre-existing medical conditions that you could have. Chances are you’ll not have skilled any points just lately, however it’s nonetheless smart to say them when making use of for the journey coverage. Do you have to want medical remedy when you had been away and also you then make a declare, then your insurance coverage supplier will request to evaluation your medical information. They might decline to pay out the declare in the event that they discover something that you just did not declare.
8: If You Miss A Flight
Lacking your flight as a result of a delayed practice or site visitors is a typical fear. But when it isn’t your fault and you’ve got insurance coverage, some insurers won’t cowl the prices for brand new flights.
In case your coverage covers this, there are issues you must do when making a declare. Some insurers might ask for proof that you just left house on time and had sufficient time to catch your flight. They could even have particular timeframes for when you may make a declare.
9. Cancellations
Whereas it’s potential to buy journey insurance coverage on the day you’re to go out; it pays to purchase it if you find yourself making your vacation bookings. It’s going to guarantee that you’re coated for those who should cancel your travels as a result of unexpected circumstances.
11. How You Ought to Report A Theft
You could report your stolen belongings to the polices as quickly as potential. Most insurers count on you to do that inside 24 – 48 hours while you uncover your issues lacking. You danger voiding your cowl for those who fail to report the matter to the police or achieve this later than the stipulated interval.
My choose: SafetyWing insurance coverage is greatest for long run solo travellers and starts from just $56 a month. /bg]
I spent six years on and off as a digital nomad, dwelling out of a bag and travelling the world, stopping the place I felt pulled to remain for some time then taking off once more and travelling. Not everybody takes a two-week journey and simply flies for a vacation. Many people are doing solo journey for an extended time period and travelling throughout a number of nations as an alternative of simply visiting one. That’s when having the correct insurance coverage is necessary and in search of one that’s tailor-made to nomads or long run journey.
This is the reason I take advantage of completely different journey insurers relying on my present state of affairs. Security Wing is right for longer-term journey as they provide the freedom to journey the world and isn’t restricted to at least one nation (they’ve 180 to select from!) Plus it really works like a 28-day subscription mannequin that you could cancel at any time. So for those who resolve that you just’re homesick and need to cease travelling for some time, you’ll be able to fly house and cancel your insurance coverage. * Visit the Nomad Insurance plan
I’ve been actually fortunate sufficient to not have to assert on my insurance coverage throughout my 152 nations that I’ve visited. However I’ve at all times have peace of thoughts understanding that I’ve been insured. Insurance coverage firms do have completely different timelines about claiming and a few can take a bit longer than others.
I’m going into extra particulars concerning the 3 insurance coverage firms that each I and different solo feminine travellers advocate under…
Finest Journey Insurance coverage For Solo Travellers
Who for: Digital nomads and long run travellers
Should you’re at all times dreaming up the following metropolis to discover, then you definately need insurance coverage that really works together with your life-style. As I discussed earlier than, SafetyWing Nomad Insurance coverage is a superb alternative for digital nomads and lengthy‑time period travellers. Primarily as a result of it’s reasonably priced and versatile and created with long run journey in thoughts. I used their Important insurance coverage coverage for a number of years once I was nomadic and dwelling out of a bag. This is the reason I really like them:
What It Really Covers
SafetyWing is an insurance coverage that covers emergencies, pure disasters, journey delays, and misplaced baggage.
Medical & Emergency Safety
- Emergency medical remedy and hospital stays (as much as round $250,000).
- Ambulance and emergency transport, plus medical evacuation to a greater‑geared up facility.
- Emergency dental care (as much as about $1,000).
Journey Hiccups & Sudden Occasions
- Misplaced checked baggage (normally as much as $3,000 per plan).
- Journey delays and unplanned in a single day stays after lengthy maintain‑ups.
- Journey interruption for severe situations like a household emergency.
- Pure catastrophe lodging assist for those who’re displaced mid‑journey.
Additional Help
- 24/7 buyer care with fast response.
- They’ve actually intensive protection in over 180 nations, which means practically in every single place you might have considered going to.
What It Doesn’t Cowl
SafetyWing are actually clear about what they don’t cowl too. The minimal coverage is 5 days so you’ll be able to’t use them for a weekend away as you must be away for no less than 5 days.
- Pre‑current situations — Routine or ongoing situations you already knew about aren’t coated.
- Routine test‑ups or preventive care — You may’t get any routine check-ups in your travels. It’s emergency journey cowl solely.
- Excessive‑danger and excessive journey sports activities — Issues like bungee leaping or paragliding typically aren’t coated until you add a selected journey sports activities add‑on.
- Some private objects like excessive‑worth electronics aren’t coated until you select the electronics theft add‑on.
These limitations are fairly regular for journey insurance coverage, however they’re price flagging so that you don’t guide that canyon swing after which count on to be coated with out the correct add‑ons.
Who It’s Finest For
SafetyWing is ideal for:
- Lengthy‑time period solo explorers together with backpackers, digital nomads, and long-term solo travellers.
- Distant employees dwelling overseas or travelling between nations. (That is once I started utilizing them once I primarily based in Barcelona and went nomadic).
- Anybody who needs flexibility and easy renewals with as much as 30 days of house nation protection each 90 days overseas.
It’s price noting that for those who’re based in your house nation or need full healthcare advantages (like routine test‑ups and ongoing remedies), you’d want one thing broader than the usual Nomad plan.
Actual Pricing (Up to date 2026)
Proper now, SafetyWing’s pricing begins from roughly the equal of about $56–$63 per 28 days for travellers underneath 40 (that’s roughly $1.80–$2.25 per day for stable emergency journey and medical protection). They’ve two completely different insurance policies that you could select. One is their Important plan which incorporates remedy for brand new, surprising points whereas touring and likewise as much as 30 days of medical protection in your house nation (for those who’re visiting for as much as 30 days for each 90 days of protection).
Their Full plan begins from $161.50 (as much as ages 39), which incorporates ongoing protection, wellness therapies and emergency psychological well being care wherever on the earth, which is such an incredible inclusion particularly if you’re travelling alone. There are additionally no protection restrictions at house. A number of different issues to bear in mind about prices:
- Costs improve with age. Their lowest charges are for travellers aged 18-39 however they do insure you as much as 69 years previous.
- In order for you protection in the US, that prices further.
- Add‑ons like electronics theft or journey sports activities bump the worth up a bit extra.
For lengthy journeys overseas, that type of value level is admittedly aggressive, particularly in contrast with conventional journey insurance coverage that may be a whole lot of kilos for comparable lengths of canopy. * See current pricing
SafetyWing Nomad Insurance coverage affords complete protection tailor-made to your journey medical wants. With a deal with offering peace of thoughts wherever you go, it covers medical bills as much as $250,000, making certain that you just’re protected towards unexpected emergencies irrespective of the place your adventures take you.
Benefit from the flexibility of SafetyWing Nomad Insurance coverage’s pricing mannequin, which operates on a pay-as-you-go subscription foundation. Ranging from just some {dollars} per day, it is one of the crucial reasonably priced choices available on the market, permitting you to journey with confidence with out breaking the financial institution.
3. Hassle-Free Purchase Process
With SafetWing Nomad Insurance coverage, buying protection is fast and simple. There is not any want for pre-approval, and your complete course of takes simply 5 minutes. Whether or not you are flying out on the identical day or your journey has already began, you may get coated hassle-free, providing you with the liberty to focus in your travels.
4. Global Coverage and Support
Wherever your travels take you, SafetyWing Nomad Insurance coverage has you coated. With protection in over 180 nations and 24/7 on-line buyer care with a response time of lower than 1 minute, assistance is at all times only a click on away. Plus, you’ll be able to add on digital theft insurance coverage for as much as $3000 price of digital valuables, conserving your units protected and safe on the go.
5. Peace of Mind with Zero Deductibles
Say goodbye to deductibles with SafetyWing Nomad Insurance coverage. With $0 deductibles, you are coated even for the smallest claims, making certain that you could journey with peace of thoughts understanding that your bills are taken care of.
Who for: UK and European residents (good for adventurers!)
True Traveller is an organization that I used for a few years earlier than I used to be nomadic. They provide complete protection for a spread of travel-related dangers together with medical emergencies, journey cancellations, misplaced baggage, and extra. This ensures peace of thoughts for travellers, understanding they’re protected towards surprising occasions throughout their journey.
What I actually like about them is that they perceive that travellers have numerous wants so they provide versatile insurance policies that may be tailor-made to swimsuit particular person preferences. Whether or not you are embarking on a brief weekend getaway or a long-term journey, True Traveller can present a coverage that matches your particular journey plans.
True Traveller supplies round the clock help to travellers in want. Whether or not you require medical recommendation, help with a journey emergency, or assist navigating a overseas healthcare system, True Traveller’s assist staff is at all times accessible to supply steering and help.
They goal to supply aggressive premiums with out compromising on protection high quality. Travellers can take pleasure in the advantages of sturdy insurance coverage safety with out breaking the financial institution, making it a cheap choice for budget-conscious travellers.
True Traveller goals to make the claims course of as easy and hassle-free as potential. With easy-to-understand procedures and responsive buyer assist, travellers can shortly submit their claims and obtain immediate reimbursement for eligible bills, minimising stress and inconvenience throughout an already difficult state of affairs.
Who for: U.S. & Worldwide residents
World Nomads are an organization that I used for 4 years throughout my solo travels. They’re tremendous straightforward to make use of. All the pieces is defined just so you’ll be able to deal with what you want in your insurance coverage corresponding to your iPhone or digicam, and pass over what you don’t. You don’t need to be a UK resident both as they supply cowl for travellers from 140 nations. They even have language guides that you could obtain to study the lingo earlier than you go.
You may buy their insurance even if you’re already travelling. That is nice if you’re travelling last-minute and utterly forgot to get insurance coverage earlier than you went. You may as well change your plans and purchase extra cowl on-line for those who resolve to remain longer. It is a bonus for me as I by no means know what my plans can be and so they can at all times change last-minute.
3. They have 24 hour assistance
They’ve 24 hour emergency help if something goes incorrect in your journey. Plus a excessive degree of assist if you must declare. Even when you have a query you’ll be able to nonetheless get in contact with them at any hour, irrespective of which era zone you’re throughout the globe.
World Nomads appear to grasp the best way us backpackers journey. They’ve designed their insurance coverage for adventurous travellers and canopy a spread of journey sports activities and actions. If you wish to go white-water rafting in Australia or snowboard within the Alps you’ll be able to.
What I really like is that you could be a part of the opposite 85% of their travellers to assist change lives while you journey and donate between £1 – £5 to a alternative of three communities corresponding to ending childhood malnutrition in distant Indonesia, conserving Mekong ecosystems in Cambodia, or creating safer cities for ladies in Hanoi.
Plus they’ve a terrific repute and are a trusted model by quite a few large journey names. World Nomads are actually my go-to insurance coverage for every solo journey.
For extra data on why you want insurance coverage in your journey, discover out why travel insurance is important here.
What About Your Credit score Card Insurance coverage?
Everyone loves freebies, particularly whether it is accessible as a journey insurance coverage on a bank card. However is free journey insurance coverage price it? Are you able to depend on a bank card journey insurance coverage coverage to safe your journey and shun the thought of buying a separate coverage? Will the journey insurance coverage accessible on a high-end bank card be sufficient, or would you be higher off buying an impartial worldwide journey insurance coverage coverage?
How Does Credit score Card Journey Insurance coverage Work?
Some financial institution accounts or bank cards provide free insurance coverage nevertheless it’s normally not complete sufficient in your journey. I personally have by no means used bank card insurance coverage as a result of I simply don’t imagine it’s intensive sufficient. This is what I personally use.
Whereas many bank card insurance coverage firms popularise their bank card as a free or complimentary present, normally, it’s supplied solely on high-end playing cards that cost hefty annual charges. Paying that annual costs entitle you numerous card advantages, and insurance coverage is one in all them. It means you aren’t getting something without cost!
Now how does it work? So as to get protection underneath your bank card journey insurance coverage, you have to adjust to sure phrases and situations. For example, some bank card firms activate the duvet provided that you pay for departure ticket, whereas different playing cards would require you to cross the minimal spending threshold restrict of journey bills earlier than that journey is roofed.
Impartial journey insurance coverage is a greater choice relating to providing intensive protection. So, if you wish to get the protection for a variety of conditions at a excessive degree, I like to recommend taking out your personal journey insurance coverage.
Journey insurance coverage is so necessary for solo travellers and is a security internet that gives you very important safety towards unexpected occasions that may disrupt your journey. In fact, there are methods that you could ensure your safety when you travel solo, however typically issues occur which are out of your management and that’s when having insurance coverage is a necessity.
From misplaced belongings to surprising medical bills, it supplies peace of thoughts, permitting you to deal with exploring new locations with out fear and any disagreeable surprises.
Participating in actions that your insurance coverage would not cowl, like sledding with out further winter sports activities protection, can put you in danger. Additionally, reckless behaviour, corresponding to driving underneath the affect, can void your protection. Ensuring you might have the whole lot coated will guarantee you might have probably the most wonderful solo journey understanding that you’re protected and supported if something does go incorrect.
Source link
