Travel Insurance for
Solo Travelers
When you travel alone, there's no one to help if things go wrong. The right insurance is the difference between a bad day and a financial disaster. Here's what actually works.
Why solo travelers need it more than anyone
Medical emergencies
A broken leg in Bali or appendicitis in Tokyo can cost $10,000–$50,000 without insurance. Evacuation alone can exceed $100,000.
Trip cancellation
Flights get cancelled, visas get rejected, family emergencies happen. Without coverage you eat the full cost alone.
Theft & loss
Solo travelers carry everything with them — laptop, camera, passport. One bag snatch without insurance is a trip-ending event.
The two best options for solo travelers
Pros
- ✓Subscription-based — pay monthly, cancel anytime
- ✓Covers you in your home country for 30 days per 90
- ✓Cheapest option at ~$45/month
- ✓Covers Covid-19 treatment
- ✓Can buy after you've already left home
Cons
- ✗Lower coverage limits than World Nomads
- ✗No trip cancellation cover
- ✗Deductible of $250 per claim
- ✗Not available for US residents in the US
From ~$45/month · Instant coverage
Get a SafetyWing quote →Pros
- ✓Covers 200+ adventure activities (surfing, hiking, diving)
- ✓Trip cancellation and interruption cover
- ✓Higher medical limits
- ✓24/7 emergency assistance line
- ✓Trusted by Lonely Planet
Cons
- ✗More expensive (~$100–$200/month)
- ✗Must buy before departure
- ✗Fixed trip duration only
- ✗Age limits apply (66+ surcharge)
Covers 200+ adventure activities
Get a World Nomads quote →Quick comparison
| Feature | SafetyWing | World Nomads |
|---|---|---|
| Monthly cost | ~$45 | ~$100–200 |
| Medical coverage | $250,000 | $5,000,000 |
| Trip cancellation | ✗ | ✓ |
| Adventure sports | Basic only | 200+ activities |
| Buy after departure | ✓ | ✗ |
| Cancel anytime | ✓ | ✗ |
| Best for | Long stays | Short trips |
Best for long trips
Get SafetyWing →Best for adventure
Get World Nomads →Planning a trip? Start here
Affiliate disclosure: Links to SafetyWing and World Nomads are affiliate links. SouloSpotter earns a commission if you purchase — at no extra cost to you. We only recommend products we genuinely trust.