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Best Solo Travel Insurance You Must Know About

Intro to Best Solo Travel Insurance in 2023: 

My Top Solo Travel Insurance Recommendation: WorldNomads 

Have you ever had that gut-punch feeling when your travel plans go wrong? When everything that could go wrong does?  Maybe you lost your passport, suddenly fell ill, or you missed your connecting flight? 

The worst part, you’re traveling solo and feel like you have no one there to help you. 

But here’s a little secret: by having the right solo travel insurance, it can be that comforting voice to you and be your saving grace. 

No matter if this is your first time traveling solo, if you’re an experienced traveler, traveling internationally, or traveling with a group, you should get travel insurance

As a solo traveler myself, I never leave home with insurance. Because without travel insurance, I am fearful of the unknown or “what-ifs”. Aside from knowing the best international travel essentials, by getting travel insurance, you can ensure that you have adequate coverage for safe and adventurous trip! 

By having insurance, it can help protect yourself and ensure that you have medical coverage if you ever need emergency medical treatment. 

Because accidents happen, but you need to know how to protect and cover yourself when they do. 

So by using travel insurance you can ensure that you are always protected when exploring the best solo travel destinations

Travel Insurance coverage questions to ask yourself

What is the Best Solo Travel Insurance Company?

My Top Recommendation: WorldNomads 

WorldNomad is the best insurance company for solo and couple travelers looking to do adventurous sports while having extensive coverage. 

WorldNomad is extremely flexible, easy to use, and provides great coverage!  

I have personally used WorldNomad 3 times in the past, and I have loved it! Fortunately, I have never had to go through a claim process, but WorldNomad is my go to solo travel insurance company when traveling abroad. You get a quote in seconds and their customer service is steller. 

I am in no way compensated for my review of these travel insurance companies or policy plans. My review is based on my research and my own opinions, but should not be substituted for professional advice. 

Disclaimer: I am not an insurance agent. The information in this article is based on personal research and should not substitute for professional advice. Before buying travel insurance, conduct additional research and consult with licensed insurance professionals to make informed decisions.

Companies Overview Comparison:

Want more of a comparison on different solo travel insurance companies and options?  

I created a hypothetical solo trip to gain a fair cost estimate for each insurance company for their basic plan. The cost analyst is based on a  25-year-olds solo traveler traveling from New York to Thailand from October 1st to 8th, 2023. 

Solo Travel Insurance Basic Coverage Options Based on Providers

ProviderBasic Coverage Cost TotalUnique/Cool OfferingsEmergency Medical Insurance 
WorldNomads$75-Coverage for 200+ adventurous activities -24/7 emergency assistance $100,000
HeyMondo$20-Coverage for electronic equipment, common adventure sports, and cruise itinerary.
-COVID-19 coverage
$100,000
TravelGuard$69-Wide coverage from medical emergency to trip cancellation, work terminations, etc $15,000
Allianz Travel$58-Insure your individual trip or all trips annually for the year$10,000

Please note that prices are subject to change and are only accurate based on the time of publishing this article.

WorldNomads

World Nomads is my top recommendation for travelers looking to explore the world in an adventurous way and have great peace of mind that they are covered. 

WorldNomads is my top recommendation for solo and couple travelers exploring the world. This is not just another travel insurance provider. It’s designed by travelers, for travelers. 

Catering to the adventurous spirit, they offer a flexible, broad, and easily accessible solution to common travel issues. So with the right travel insurance plan, you can ensure that you’re covered no matter where your journey takes you. 

While World Nomads have a higher initial cost, in my opinion, it is completely worth it! Even in the most basic plans, they provide more coverage than in the premium policy of others competitors plan. For additional peace of mind, you can upgrade to the explorer (premium) plan for even more coverage!  

Overall, WorldNomad is my top recommendation for travelers looking to explore the world in an adventurous way and have great peace of mind that they are covered. 

Key Benefits

  • Flexibility: Buy and claim online, even after you’ve left home. Or extend your coverage when you spontaneously extend your trip.
  • Adventure Friendly Coverage: Coverage for over 200 adventurous activities. Coverage for activities on land, water, air, and other experience are covered in the the most basic plans
  • 24/7 Assistance: 24/7 emergency assistance and cover for both non medical and medical emergencies.

Pros

  • Extensive coverage on common travel issues 
  • Coverage for 200+ adventurous activities
  • Tailored policies for different types of travelers
  • Easily extend your coverage when you extend your trip

Cons

  • Most expensive basic plan cost compared to other competitors
  • Some users have reported longer than expected wait times for claim processing
  • No option for additional add-on coverage

Scenario Based Pricing:

Scenario 1:

A  25-year-olds solo traveler is traveling from New York to Thailand from October 1st to 8th, 2023. This traveler is expected to pay approximately $75 to $122, depending on the standard or explorer plan chosen. 

Scenario 2:

Two 30 year old travelers are traveling from New York To Mexico from October 1st to 8th, 2023. These travelers are expected to pay approximately $135 to $217 depending on the standard or explorer plan chosen. 

HeyMondo

Heymondo is great for younger budget travelers looking for basic travel insurance plans!

 Built for the modern traveler, Heymondo also has travel insurance coverage for electronic equipment, such as laptops or cameras, that you may bring during your solo travels. But that’s not all! Heymondo also provides coverage for COVID-19, cruise itinerary, and common adventure sports. 

They also have a user-friendly mobile app that allows you to expedite the claims process and gain real time travel assistance. 

Heymondo is a great solution for young budget travelers looking for basic coverage and great peace of mind! 

Key Benefits

  • Tailored Plans: Customizable packages to suit individual trip specifics.
  • Unique Coverage: coverage for electronic equipment, common adventure sports, and cruise itinerary.
  • Budget Friendly: Extremely low basic plan cost. (Even premium plans are cheaper than most insurance companies basic plan)
  • 24/7 Travel Assistance: User friendly mobile app for quick claims and real-time assistance.

Pros

  • COVID-19 coverage
  • Extremely low basic plan pricing
  • User-friendly mobile app, making the claims process fast and easy

Cons

  • Not Elderly Friendly: Max age coverage is 68 years old
  • No option for additional add-on coverage 
  • Lower coverage amount compared to competitors basic plan

Scenario Based Pricing:

Scenario 1:

A  25-year-olds solo traveler is traveling from New York to Thailand from October 1st to 8th, 2023. This traveler is expected to pay approximately $20 to $65, depending on the medical, top, or premium plan chosen. 

Scenario 2:

Two 30 year old travelers are traveling from New York To Mexico from October 1st to 8th, 2023. These travelers can expect to pay approximately $40 to $130 depending on the medical (basic), top, or premium plan chosen.  

TravelGuard

Travel Guard is not just another travel insurance company; it’s a trusted companion for wanderlust souls and frequent fliers alike. As they cater to a diverse range of travelers, from the solo backpacker to the family vacationer. 

One of the best things about TravelGuard is that they cover you on trip interruption benefits, cancellation, termination of employment, military duty and more! So you have a wide arrange of coverage to ensure your trip investment are always protected upon common interruptions. 

TravelGuard offers a comprehensive coverage plan to ensure that any unexpected issues don’t ruin your well-planned vacation. 

Key Benefits

  • Wide Coverage: From medical emergencies to trip interruption, trip cancellation, they’ve got you covered
    • Cancel for Any Reason coverage add on option (available for preferred and deluxe plans only)
  • Customizable Plans: Tailor your trip insurance based on destination, trip duration, and individual needs
  • Easy Claim Process: Efficient and hassle-free insurance claim processing to get you back on your journey.
  • 24/7 Assistance: Day or night, TravelGuard’s team is there to assist in any emergency medical situation.

Pros

  • Various optional add-on/ upgrade options available to all plans
  • Wide coverage on common travel issues
  • Flexible plans suitable for all traveler types
  • Access to Quality Medical Coverage

Cons

  • Plans are slightly on the pricier side
  • Slightly less coverage amount compared to competitors
  • Some reports of long wait time of claim process approval time

Scenario Based Pricing:

Scenario 1:

A  25-year-olds solo traveler is traveling from New York to Thailand from October 1st to 8th, 2023. This traveler is expected to pay approximately $69 to $115, depending on the essential, preferred, or deluxe plan chosen. 

Scenario 2:

Two 30 year old travelers are traveling from New York To Mexico from October 1st to 8th, 2023. These travelers are expected to pay approximately $88 to $164, depending on the essential, preferred, or deluxe plan chosen. 

Allianz Travel

Allianz Travel is good for travelers that want to stick to a global company that has been used by millions of people. 

Aa they offer comprehensive travel insurance, including coverage for single trip insurance to  multi-annual plans. So you can choose your travel insurance plans based on how often you plan to travel for the year to ensure you are always covered. 

Allianz Travel basic to premium plans prices are competitive, however, they have less coverage options compared to other competitors. Overall, Allianz Travel stands tall in the travel insurance world, offering a balanced blend of coverage and peace of mind for any solo adventure worldwide. 

Key Benefits

  • Wide Coverage: From trip cancellations to emergency medical care, Allianz casts a wide net of protection.
  • Insure your individual trip or all trips abroad annually for the year
  • Under Prime and premium plans, added option of FREE coverage for children 17 and under when traveling with a parent or grandparent.
  • Global Assistance: Around-the-clock travel assistance in multiple languages, ensuring help is always a call away.

Pros

  • Renowned for reliability and trustworthiness
  • 1-2 optional add-on/ upgrade options depending on plan
  • Quick and efficient claims processing

Cons

  • Basic plan does not cover missed connection 
  • Lower coverage amount compared to competitors
  • Pre-existing condition coverage may have certain restrictions

Scenario Based Pricing:

Scenario 1:

A  25-year-olds solo traveler is traveling from New York to Thailand from October 1st to 8th, 2023. This traveler is expected to pay approximately $58 to $92, depending on the basic, prime, or premium plan chosen. 

Scenario 2:

Two 30 year old travelers are traveling from New York To Mexico from October 1st to 8th, 2023. These travelers are expected to pay a total of approximately $72 to $110, depending on the basic, prime, or premium plan chosen. 

What Is Solo Travel Insurance?

Traveling alone means you’re the sole decision-maker; however, by having insurance, it can ensure you’re not alone in facing unplanned costs. 

Whether you are taking a trip abroad or a road trip across the country, I always recommend purchasing travel insurance to ensure that you and your assets are protected. 

Because, when you’re traveling alone, you may be more exposed to risk or simply do not know how to handle medical emergencies whenever they arise.

However, with solo travel insurance in your back pocket, it is the easiest way to protect yourself against common travel issues.

From baggage delay coverage, trip cancellation, car rental collision, to medical expenses, your travel insurance can cover you during common travel mishaps or other high risk activities.

How Can Solo Travel Insurance Benefit You:

Why you need solo travel insurance

When you have a medical emergency: A medical emergency can happen at any time during your travels. Whether you accidentally injure yourself during a solo adventure or suddenly have food poison, medical emergencies happen.

But with travel medical insurance, those unexpected medical expenses shouldn’t be your concern. So you can rest up, recover, and let your travel insurance company handle the expenses.

When you miss a flight or it’s canceled:  You’ve been dreaming of this vacation for years and probably had the flight bought months ago. Just for the day of your trip to start and your flight is canceled or delayed. Or worse, it’s canceled while you’re in a foreign country traveling solo. 

Unfortunately, these things happen. 

But by having solo travel insurance, you will be in good hands no matter where you are. 

While insurance can’t speed up time, it can cover additional costs, making that layover a bit more bearable.

When you lose your luggage: If your baggage decides to take a different vacation on another flight, or have lost or stolen items, travel insurance ensures you’re compensated for it. 

It may not cover the value of all of your items, but it covers you more than if you were to go without travel insurance.

When life hits: Life’s unpredictabilities don’t stop just because you have a trip coming up. As a sudden personal emergency or a work requirement might mean canceling your dream trip!

This heartbreak is real and devastating. But the financial strain doesn’t have to be. 

So with solo travel insurance, you can be grateful that you are covered for those prepaid bookings.

How We Conducted Our Researched 

Company Selection: I started by identifying a range of travel insurance providers known for catering to solo travelers. 

Only the companies mentioned in this article were evaluated side by side.

Online Quote Tool: I visited the official website of each company and used their easy to use online quote tool. This tool allowed us to input consistent information for each quote request, ensuring a consistent and fair comparison.

Consistent Data Input: For every quote, we provided identical and uniform data. This included the same number of travelers, their ages, journey destinations, trip length, and trip cost. This approach was vital to guarantee a fair comparison for all reviewed companies.

Quote Analysis: After receiving the quotes, we examined and noted the various coverage offered by each plan. I assessed the coverage categories (like emergency medical coverage or trip interruption), deductibles, and extra perks for the cost in each scenario pricing.

I analyzed the key benefits, pros and cons based on my personal judgment and preference.

Pricing is based on fictional scenarios. Travel insurance pricing is accurate based on the time of publishing this article. Since insurance policy and rates are ever changing, you must visit each individual company’s policy for the most up to date and accurate information. 

I am in no way compensated for my review of these companies or policy plans. My review is based on my research and own opinions. 

Disclaimer: I am not an insurance agent. The information in this article is based on personal research and should not substitute for professional advice. Before buying travel insurance, conduct additional research and consult with licensed insurance professionals to make informed decisions.

Conclusion:

By purchasing solo travel insurance you can have the invaluable peace of mind that wherever you go, you will be covered. 

Regardless of last-minute flight delays, emergency medical evacuation, medical assistance, you are protected.

As a solo traveler myself, I have used travel insurance every time I have traveled abroad. As it is the easiest way to ensure that I am always in good hands when traveling alone.

So whether you are traveling alone or traveling with a group, make the smartest and safest decision and get travel insurance. 

Solo Travel Insurance FAQ

Solo travel insurance provides peace of mind, covering unexpected expenses such as emergency evacuation, trip cancellations, lost luggage, and more. Traveling solo means you’re the sole decision-maker; however, by having insurance, it can ensure you’re not alone in facing unplanned costs.

Not necessarily. The premium is typically based on the coverage, destination, trip duration, and traveler’s age. Being solo might not affect the price unless specific solo traveler benefits are included.

Common coverages include medical expense coverage, trip cancellation or trip delay, lost or stolen belongings, and personal liability. Insurance policies vary, so always read the fine print.

Most insurers require you to buy before departure, but there are companies offering policies to travelers already abroad. It might come at a higher cost and with certain limitations.

Consider your needs—like destination, activities, and health—and compare policies. Read reviews, ensure your insurer is reputable, and always understand your policy’s terms.

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