BEST TRAVEL INSURANCES IN 2025
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This post is about the best travel insurance to get in 2025
Travelling in 2025? Don’t let unexpected events ruin your trip! From lost luggage to medical emergencies, travel insurance is your safety net when things go wrong.
Studies show that 1 in 6 travellers faces an issue on their trip that could have been mitigated with the right insurance.
Whether you’re planning a relaxing getaway or an adventurous journey, having the right travel insurance is crucial for peace of mind.
Travellers can be as careful as possible, however, there is always the risk of the unexpected and it’s best to be as prepared for this as possible. For a few pounds per day, you can relax, and travel stress-free!
In this guide, we’ll cover the top travel insurance providers for 2025, what they offer, and how to choose the best plan for your needs.
Planning your trip? Use my favourite resources!
🏨 Accommodation : I recommend Booking.com
✈️ Flights : for the cheapest flights, I use Skyscanner
🚗 Rental Car : I recommend Rental Cars
🛡️ Travel Insurance : for the best deals I rely on HeyMondo
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3 BEST TRAVEL INSURANCE
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As solo travellers we are all different with different needs. You may be a solo traveller that is travelling with expensive gear so you may need greater coverage for your belongings. Maybe you’re a real adventure traveller who wants to bungee jump or skydive so you’ll want higher coverage for those kind of activities.
The following travel insurance companies are great and they all have their pros and cons so you can choose which travel insurance is right for you.
Pros of World Nomads Travel Insurance
Comprehensive coverage which is good for backpackers offering a wide range of coverage, including medical expenses, trip cancellations, delays, and lost or stolen luggage. They also cover adventure activities and sports like scuba diving, skiing, and hiking - something many insurers exclude.
Flexible policy options which can be extended while travelling, so if you decide to lengthen your trip, you don’t need to find a new provider. You can buy coverage even if you're already abroad, which is uncommon for travel insurance.
Covers most volunteering experiences, which many insurance providers don’t. For example, fruit picking or community projects.
Coverage is designed with adventurous travellers in mind, making it ideal for backpackers, solo travellers, and anyone engaging in high-risk activities.
They offer two plan tiers: the Standard Plan (for basic needs) and the Explorer Plan (for more extreme adventures).
They have a 24/7 emergency assistance team for support.
Cons of World Nomads Travel Insurance
Their plans can be more expensive compared to other travel insurance providers, especially for non-adventurous trips.
Like most insurers, World Nomads does not cover pre-existing medical conditions unless they are specifically listed or managed under their policies.
World Nomads is geared toward short-term travel. Long-term expats or digital nomads may find the policies less suitable due to restrictions on coverage duration.
Coverage is typically limited for travellers over 70 years old.
Final Thoughts
World Nomads travel insurance is a great choice for adventurous travellers, solo travellers, and backpackers who need flexible and comprehensive coverage. Its focus on adventure activities and flexibility sets it apart, but it may not be the most cost-effective option for travelers with simpler needs or long-term digital nomads.
Get World Nomads : Discover World Nomads insurance policies
SAFETY WING - best for digital nomads
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Pros of SafetyWing Travel Insurance
It’s one of the most budget-friendly options for long-term travellers and digital nomads.
SafetyWing offers a subscription-based model that renews automatically every four weeks, making it perfect for long-term travel without needing to purchase a new policy. No need to specify an end date for your travels, which provides flexibility for spontaneous plans.
Policies include coverage for medical expenses, emergency medical evacuation, and certain travel-related issues, such as trip delays and lost luggage.
Coverage is also valid in over 180 countries, including coverage in your home country for visits of up to 30 days (or 15 days for U.S. residents).
Available even after you’ve already started traveling, which is rare for travel insurance providers.
Offers 24/7 support for medical emergencies or other issues during your travels.
Cons of SafetyWing Travel Insurance
Unlike other travel insurance providers, SafetyWing does not include trip cancellation insurance.
No coverage for laptops, cameras, and other electrical equipment.
Coverage is unavailable for travellers over 69.
While it covers some sports and activities, high-risk or extreme sports may not be included unless you add specific coverage. Always check exclusions carefully.
Final Thoughts
SafetyWing is a solid choice for budget-conscious digital nomads, remote workers, and long-term travellers who prioritise medical coverage and global flexibility. Its subscription model is especially appealing for those who travel for months or even years without a fixed return date.
However, travellers planning expensive trips or those who need robust coverage for pre-existing conditions, adventure sports, or trip cancellations may find the coverage too basic.
HEYMONDO : best for long term travellers
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Pros of Heymondo Travel Insurance
Heymondo offers highly customizable plans tailored to various travel needs, including single-trip, annual multi-trip, and long-term travel options.
Add-ons like gadget coverage or adventure sports coverage make it ideal for travelers with specific needs.
The Heymondo app provides direct access to 24/7 medical assistance, allowing you to file claims, chat with support, and get help in emergencies without extra charges.
Generous medical coverage limits, with options reaching up to €10 million, ensuring peace of mind for unexpected medical emergencies.
Covers non-refundable trip costs in case of trip cancellation due to covered reasons like illness or unforeseen emergencies.
Heymondo is known for providing excellent value for its features, often cheaper than similar high-coverage plans from competitors.
Policies often have no deductibles, meaning you don’t have to pay out-of-pocket for covered medical expenses before reimbursement begins.
They have an easy and efficient claims process, especially for straightforward claims submitted through the Heymondo app.
Cons of Heymondo Travel Insurance
Pricing increases significantly for travellers over the age of 65.
Coverage for gadgets like laptops, cameras, and smartphones requires an additional add-on and is subject to lower claim limits compared to standalone gadget insurance.
Non-medical claims (like lost luggage or trip delays) may require reimbursement after you’ve paid upfront, which could be inconvenient if you are a budget traveller.
Final Thoughts
Heymondo is an excellent travel insurance provider for those looking for flexibility, modern tech features, and strong medical coverage. Its app-based service and ability to customise plans make it particularly appealing to digital-savvy travellers.
However, travellers with pre-existing conditions, high-value gadgets, or extreme adventure plans may need to look elsewhere or carefully review their policy add-ons. Ultimately, Heymondo stands out for its affordability and user-friendly approach, making it a solid choice for most travellers.
Get HeyMondo : Discover HeyMondo travel insurance policies
WHY DO I NEED TRAVEL INSURANCE?
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Travel insurance is a vital safeguard against unexpected events during your trip. While you may hope never to use it, the reality is that you eventually probably will. It can help with small mishaps, like losing your phone or damaging your camera, as well as more serious situations, such as covering the cost of a flight home in the event of a family emergency.
It also provides coverage for medical expenses if you fall ill or get injured while travelling. Whether it’s a case of food poisoning or a hiking accident that leads to a broken ankle, having insurance ensures you’re prepared for the unexpected. Travel is one of life’s most exciting adventures, so don’t risk losing the investment you’ve made in your trip by travelling without insurance.
READ MORE : Safety Advice for Solo Female Travellers
HOW TO CHOOSE THE RIGHT TRAVEL INSURANCE
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Price is not always the best indicator of good travel insurance. The most expensive policies might not cover the activities you are hoping to do on your trip. Whereas the cheapest policy might have a high excess that you have to pay if you need to make a claim. In order to choose the best travel insurance, it’s important to ask yourself the following questions:
Are adventure activities or sports included?
Planning on doing some exciting extreme sports while you’re away? If your trip involves activities like skiing, scuba diving, or parachuting, verify that these are covered. Many policies exclude high-risk activities unless you purchase additional coverage.
Is medical care part of your travel insurance?
Travel insurance is designed to cover emergency medical situations rather than routine healthcare needs. For instance, if you get food poisoning from eating questionable food in Malaysia (something that happened to my friend) your travel insurance will cover the necessary hospital care. However, if you take regular medications, you’ll need to organise those before your trip, as they aren’t considered emergency care.
It’s essential to factor in the cost of healthcare in the countries you’re visiting, as medical services in places like the USA can be particularly expensive. Review the medical coverage limits of your policy and take note of any out-of-pocket expenses you might incur. Most policies require you to pay upfront for treatment and then file a claim for reimbursement.
With Heymondo, you don’t need to worry about upfront costs. Simply contact their 24-hour helpline, and they’ll handle payment for your emergency medical care directly.
What is the value of your belongings?
Most policies will insure your belongings up to a certain limit. Due to this it’s best to think about what you’re taking with you and the value of it. If you someone who travels very lightly and doesn’t take much ‘stuff’ with them you may not need much cover but if you take alot of items with you, you may need more cover.
If you are traveling with things like a camera, laptop, or expensive jewellery you will need a higher cover for this. Work out the value of all your belongings and check that the value the policy has enough coverage that’s at least equal to the value of your items.
Is trip cancellation covered in your travel insurance?
If you arrange trips yourself, instead of doing a package deal it will be necessary to have flight cancellation included in certain circumstances. If an airline cancels your flight, or you have to cancel your trip due to unforeseeable circumstances you will want to have trip cancellation cover.
What is the excess?
Excess is the amount you have to pay towards the claim before the insurer pays the remainder.As an example, if the excess on the policy for personal belongings is 50 USD, but the value of your belongings stolen is 300 USD, you would pay the first 50 USD and the insurer the remaining 350 USD.
Often cheap insurance policies have a high excess so they may be better to avoid especially if you’re taking valuable items with you.
Information About Solo Travel
If you still thinking about if you should travel solo check out these other solo travel guides and blog posts :
Destination Solo Travel Guides
Solo womans guide to Copenhagen, Denmark
Solo womans guide to Dubrovnik, Croatia
Solo travel tips and advice
How to research solo travel destinations
Best travel products for solo travel
Must have long haul flight essentials
Solo female travellers guide to safety
Read all of my articles about solo travel in the solo travel posts.
TRAVEL ESSENTIALS
Planning a trip? Here are some of the resources and tools I personally use to organise my travel plans to anywhere in world.
FLIGHTS : Find the best deals on flights using Skyscanner.
VISAS : Use iVisa to check if you need a tourist visa for wherever you’re going to and apply for an expedited visa online. Use OneWayFly to obtain proof of onward travel/hotel reservation for your visa application if needed.
TRAVEL INSURANCE : Insure your trip with my preferred insurance for single trip and annual cover HeyMondo
AIRPORT TRANSFER : Pre-book your hotel transfers from the airport.
ACCOMMODATION : Find the best hotel deals on Booking.com.
DAY TRIPS : Find the best city tours and day excursions on your travels on Viator or Get Your Guide.
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