7 Best Travel Insurance for Digital Nomads in 2025

We’ve logged seven years as digital nomads, traveling across 40+ countries around the world.

But nothing rattles me more than not having the right insurance. The truth is that traditional travel insurance is built for two-week vacations, not a full-time travel lifestyle.

Many nomads we meet don’t consider travel insurance. Why?

The general thought is I’m young and healthy, why would I need to waste money on insurance premiums? But think about it like this – one mistake, even if it’s not your fault, and you could be staring down bills in the tens of thousands.

I’m talking about a scooter accident in Southeast Asia, an unforeseen emergency trip to a foreign hospital, or your laptop being stolen. It happens more than you think!

That’s why in 2025, you need digital nomad-focused insurance. Plans that cover medical emergencies anywhere, protect your gear, offer flexible durations, and understand what the remote life really looks like.

In this guide, I’m walking you through 7 of the best travel (and medical) insurance plans made for nomads. I’ll talk about what they actually cover, where they fall short, and how to choose one that fits your nomadic lifestyle (without paying more than you should).

Ready to get started? Let’s dive in.

Our Top Insurance Picks For Digital Nomad Travel

These are the top nomad insurance providers offer the best coverage, for the value:

1. SafetyWing

SafetyWing is one of the most well-known digital nomad travel insurance companies in the world.

It seems like every digital nomad uses and recommends them (and many do).

Why We Like SafetyWing

SafetyWing offers excellent value for money for their Nomad Insurance plan. They cover people from all over the world and usually want you to start a policy with them once you are outside your home country.

And the best part?

You buy it on demand and can keep it as a subscription. This is one of the things we love about using SafetyWing. You buy travel insurance on a 28-day subscription. It automatically renews unless you cancel it.

We personally like this “set-and-forget” model!

But that’s not all…

There are three big reasons that many digital nomads use SafetyWing:

1. They are primarily focused on digital nomads
2. Their insurance plans are very flexible
3. They’re super cost-effective

Those three things have made SafetyWing one of the most popular digital nomad insurance companies in the world.

The other thing is that most SafetyWing employees work remotely, which means they really get the digital nomad lifestyle. This helps them build plans that suit the average digital nomad nicely.

They continuously bring updates to their insurance plans.

In recent years, SafetyWing has been working on its claims process time. It now takes less than 5 minutes to fill out, and they aim to process claims within 7-10 business days.

Good, right?

SafetyWing also has a 4.1 out of 5 rating on TrustPilot, with 73% of ratings being 5 stars. That’s actually very solid for a travel insurance company.

What’s Included?

SafetyWing Nomad Insurance offers the following benefits and more:

• Maximum Limit – $250,000 with a $250 Deductible
• Medical Expenses (Hospital, Room & Nursing Services, Ambulance, Emergency Dental)
• Physical Therapy & Chiropractic Care – Up To $50/day
• Travel Delay – Up To $100/day (max 2 days)
• Lost Checked Luggage – Up To $500 per item
• Lost or Stolen Passport & Visa
• Natural disasters – (5-night stay up to $100 per night)
• Political and Emergency Evacuation
• Personal liability
• Accidental Death & Dismemberment

Notable exclusions, not limited to:

• Pre-existing illness or injury, except as described in policy
• Any treatment that is not medically necessary
• Pregnancy or childbirth

SafetyWing also offers some optional add-ons for your policy:

• US Coverage – Coverage includes travel to the US and its territories.
• Adventure Sports – Adds sports like kite-surfing, parachuting, paragliding, skydiving, scuba diving and more, with coverage up to $100,000.
• Electronics Theft – Covers electronics such as laptops, tablets, and cameras up to $1,000 per stolen item, with a yearly limit of $3,000 per policy.

How Much Does It Cost?

SafetyWing starts at $56.28 for 4 weeks (28 days) for a person aged 18-39.

It’s a subscription, so you buy the insurance for 28 days. It automatically renews a few days before the expiration date until you cancel it.

This makes SafetyWing one of the most affordable travel insurance options for digital nomads.

SafetyWing offers simplified and easy-to-understand payment options. They are also one of the cheaper travel insurance options on the list, making them attractive for travelers and digital nomads on a budget.

Make sure you check out our complete SafetyWing travel insurance review for more information!

2. Genki

Genki is a clear runner-up to SafetyWing.

They have the best medical coverage of any digital nomad insurance provider on the list and insurance is purchased on a monthly subscription plan that can be cancelled anytime.

What We Like About Genki

Genki was designed with digital nomads in mind.

One of the biggest benefits of Genki is the level of comprehensive medical insurance you get. Most of their coverage has no limits which means they won’t cap the expenses.

There isn’t another provider we’ve reviewed that offers this!

Genki also has excellent coverage for most sports activities, which is a huge bonus for digital nomads who like adventure. They even cover scooters and car accidents.

Genki offers a great level of coverage – especially when you factor in how cost-effective the price is.

They allow digital nomads to sign up outside their home country – almost anywhere in the world. The plans are transparent and the signup process is smooth. It takes just a few minutes to register!

I once signed up for Genki while waiting to board a ferry from Bali to Nusa Lembongan. Didn’t want to get on that ferry without it!

We’ve also found their customer service to be great. They respond fast and efficiently to any questions you might have.

The other benefit is that Genki is registered as a company in Germany. That means it comes under European insurance law, which typically favors customers compared to insurance companies in the US.

That should offer a little bit more peace of mind if you need to make a claim!

Genki Insurance is backed by insurance giant Allianz Partners and claims are handled by DR-WALTER. These are two well-known insurance companies with good reputations for paying claims on time.

What’s Included?

Genki Explore Insurance offers the following benefits and more:

• Emergency inpatient treatment and outpatient treatment, including operations
• Medicine, remedies and dressing material
• Dental treatment for pain relief and simple fillings as well as repair of existing – € 500
• Medically necessary dental treatment as a result of an accident – € 1,000
• Outpatient initial treatment of mental illnesses – € 1,500
• Inpatient emergency treatment of first-time mental or emotional disorders – € 20,000
• Transport costs to the nearest hospital (e. g. with ambulance vehicles)
• Return transport to the Insured Person’s place of residence in their home country
• Transport of the Insured Person’s mortal remains (repatriation costs)

Notable exclusions, not limited to:

• Pre-existing conditions
• Adventure and extreme sports
• Alcohol and drug-related accidents and illnesses
• Pre-existing pregnancy

How Much Does It Cost?

Genki insurance starts at just €48.30 per month for digital nomads up to 29 years old.

Here’s a table that shows the full breakdown of how much Genki insurance costs with all plan options:

Age Range	Worldwide – Excludes U.S & Canada	Worldwide – Includes U.S & Canada
0 to 29	€48.30	€96.30
30 to 39	€57.30	€114.30
40 to 49	€72.30	€156.30
50 to 59	€105.30	€231.30
60 to 69	€168.30	€378.30

Genki’s pricing is really impressive when you consider what you get. They also add an option for a €0 deductible if you want it.

The truth is that if you just want comprehensive nomad travel medical insurance, you can’t do much better than Genki. They cover more than SafetyWing in terms of medical and have competitive pricing on a convenient monthly subscription.

Read our complete Genki review to learn more about Genki’s travel medical insurance for nomads.

3. Heymondo

Heymondo has become a popular travel insurance option within the digital nomad community.

They provide a variety of plans to suit different needs and budgets.

Why We Like Heymondo

Heymondo stands out as a top-tier digital nomad insurance choice because they offer excellent insurance coverage at an affordable rate.

You can also add coverage for your electronic items, which many other travel insurance companies don’t offer.

Heymondo offers three different travel insurance policies to choose from:

1. Single trip – Designed for people taking a single trip where they know every destination they’ll visit.
2. Annual Multi-trip – Worldwide coverage for all trips you take per year with a 60-day maximum per trip.
3. Long Stay – Flexible travel insurance coverage for trips that are going to be 90+ days

The long-stay 90-day insurance plan is probably what will suit most digital nomads best. It has everything you would expect from quality digital nomad insurance.

If you want longer than 90 days, you can always extend it!

Heymondo also has a couple of other unique benefits, like the Heymondo app. You’ll have 24/7 medical chat, free assistance calls and easy claims management all on your phone. Cool, right?

This is an excellent benefit for digital nomads who want to manage their insurance plans on the go!

What’s Included?

Heymondo Long Stay offers the following benefits and more:

• Emergency medical & dental expenses overseas – Up to $2,500,000 USD
• Medical transportation & repatriation home
• Baggage – Up to $1,200 USD
• Travel Disruption – Up to $350 USD
• Natural Disaster Assitance – Up to $1,250 USD
• Personal Liability – Up to $60,000 USD
• Accidental Death or Disability – Up to $10,000 USD
• Electronics (Optional Extra)
• Adventure sports (Optional Extra)

What really sets Heymondo is the comprehensive level of digital nomad insurance. Their medical coverage limits are up to $2,500,000 USD for emergency medical expenses overseas. This is coupled with benefits like baggage and travel disruption to form a really solid plan.

You only need to check the Electronics and Adventure Sports coverage. These aren’t included in the core plan and are optional add-ons for digital nomads who want it.

Notable exclusions, not limited to:

• Routine checkups
• Pre-existing medical conditions
• High-risk activities

How Much Does It Cost?

Long Stay insurance starts at $162 for 90 days. Keep in mind you will need to pay the first three months upfront, then you can renew the policy monthly or longer:

	Worldwide – EXCLUDES U.S	Worldwide – INCLUDES U.S
30 Days	$54	$87
120 Days	$215	$350
180 Days	$323	$525
275 Days	$491	$841

The best part is that if you renew your digital nomad insurance with Heymondo, they will offer discounts the longer you renew it.

Note: The price for Heymondo insurance can change depending on your country of residence.

Heymondo only offers single-trip coverage to US citizens and residents. If you are a digital nomad from the US then it’s probably worth looking more at SafetyWing or Genki.

Personally, I like what Heymondo has to offer. It’s unique, innovative and has a really solid range of coverage. All of this is for an affordable price.

What’s not to like?

4. Insured Nomads

Insured Nomads burst onto the digital nomad insurance scene, offering uniquely tailored quotes and a digital-first approach to insurance.

To say it’s a breath of fresh air is an understatement.

Insured Nomads offers 3 plans to choose from:

• World Explorer: Single Trip Insurance – Short-term trip coverage for the modern traveler. Travel medical insurance for 7 to 364 days.
• World Explorer Guardian: Trip Cancellation – Trip cancellation, medical, evacuation, extra benefits and more. (Eligible for US residents only).
• World Explorer Hotspot: Warzone Coverage – A uniquely designed travel insurance for those going into areas of conflict, warzones, or hotspots such as Afghanistan, Sudan, and Ukraine.

Yeah, the last one is kind of crazy! But if you need that level, it’s available, I guess!?

Insured Nomads has some really unique benefits included in their plans.

Their digital-first approach means Insured Nomads focuses on providing a user-friendly online experience, making purchasing and managing policies easy and convenient. But that’s not all…

When you purchase any insurance from Insured Nomads, you get access to a 12-month INC membership.

What’s INC?

It’s an exclusive benefits program offered by Insured Nomads that includes:

• Flight Delay Lounge Access
• Travel Delay Reimbursement
• BitDefender® Cybersecurity
• Geo-Location Alerts

And so much more! This is a significant and unique benefit for digital nomads, remote workers and ex-pats. It’s something I haven’t seen in any other digital nomad insurance company.

What’s Included With Insured Nomads?

Here is a list of things included with the Insured Nomads World Explorer plan:

• Medical benefits between $250,000 – $2,000,000 (You Choose)
• 24 Hour Emergency Medical Care
• COVID-19 Coverage*
• Acute Onset of Pre-existing Condition
• Emergency Dental Treatment
• Local Ambulance Transport
• Natural Disaster Accommodations
• Evacuation and Repatriation
• Alerts and 24-hour response center

Depending on the plan, you’ll have the option to add adventure sports or marine sports for an extra fee. This really takes your plan to the next level.

Insured Nomads Pros and Cons

Considering Insured Nomads digital nomad insurance? Here’s a list of pros and cons to think about first:

Insured Nomads offers tailored pricing.

You will need to get a quote to see exactly how much a travel insurance policy will cost. The good news is that their online form is quick and straightforward to fill out.

Insured Nomads insurance typically costs $97.20 for 1 month on the World Explorer travel medical insurance plan. 

Insured Nomads travel insurance plans certainly aren’t the cheapest. But they offer a great amount of benefits and the pricing is fair for the insurance level they offer.

Get a quote from Insured Nomads here.

5. World Nomads Travel Insurance

World Nomads is another big name in the digital nomad insurance game.

They primarily focused on digital nomads and travelers who enjoy adventure activities.

World Nomads tends to be a little higher in the price for their travel insurance, but they also offer some unique benefits.

They tend to be more expensive because they utilise lots of insurance companies around the world to be able to offer comprehensive insurance plans. While they may not be for the budget digital nomad, World Nomads is great for those who want higher travel insurance coverage.

World Nomads also has an excellent reputation when it comes to insurance claims. Lots of people say the process was smooth and they have excellent customer service.

What’s Included With World Nomads Travel Insurance?

There are two travel insurance policies available through World Nomads:

• Standard plan
• Explorer plan

What’s the difference?

The Standard Plan covers more than 200 sports and activities, is cheaper and has lower coverage limits. The Explorer Plan adds on another 60 activities and sports you are covered for, but you will pay more for it.

This is what World Nomads travel insurance can cover:

• Emergency Accident & Sickness Medical Expenses
• Repatriation of Remains
• Trip Cancellation
• Trip Interruption
• Trip Delay
• Baggage & Personal Effects
• Baggage Delay (outward journey only)
• Rental Car Damage – where permissible
• Accidental Death & Dismemberment
• Generali Global Assistance 24-Hour Assistance Services
• Generali Global Assistance Non-Medical Emergency Transportation Services

If you are on a budget and don’t need the extra sports coverage, the standard plan might be worth checking out. But for adventurous digital nomads, the explorer plan offers more financial coverage for a lot more activities.

Word Nomads Pros & Cons

Cost Of World Nomads Insurance

Word Nomads provides insurance quotes on a person-by-person basis.

For a 32-year from California in the United States, this is what the cost of each plan was for 28 days:

• Standard Plan – $126.65 USD
• Explorer Plan – $226.40 USD

World Nomads tend to be more expensive than other digital nomad insurance companies. But they also provide a more comprehensive coverage, higher max limits and most of their policies don’t have deductibles.

Interested in seeing what World Nomads offers you?

Learn more about World Nomads here.

Want to learn more about World Nomads Insurance? Make sure that you check out our complete World Nomads travel insurance review to learn more.

World Nomads provides travel insurance for travellers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.

6. Travelex Tavel Insurance

Travelex offers real digital nomad insurance.

What do I mean by that?

Why most providers on the list are mostly focused on medical insurance, Travelex has designed their plans to cover a lot of travel-related expenses.

Think of things like trip cancellation, trip delay, baggage and personal effects. But that doesn’t mean they cheap out on the medical side of things either

You will find good medical insurance inside each of the Travelex insurance plans as well.

Travelex offers three main plans to choose from:

1. Travel Basic – Covers all the essentials and is designed for people on a budget.
2. Travel Select – Ideal for digital nomads and nomad families that want an extra layer of protection.
3. Travel America – Designed for trips that include a visit to the US.

Travel Select is generally the travel insurance plan for digital nomads. It offers a more comprehensive level of insurance with maximum financial coverage.

What’s Included With Travelex Travel Insurance

The travel select plan is one of the most popular travel insurance plans that Travelex offers.

Here’s a list of what a 30-year-old digital nomad from California can have included in their Travelex insurance plan:

• Trip Cancellation – 100% of Insured Trip Cost
• Trip Interruption -150% of Insured Trip Cost
• Trip Interruption (Return Air Only) – $1,000
• License Fee Reimbursement – License Cost
• Trip Delay – $2,000 ($250/day)
• Missed Connection – $750
• Baggage & Personal Effects – $1,000
• Baggage Delay – $200
• Emergency Medical Expense – $50,000 ($500 dental sub-limit)
• Sporting Equipment Delay – $200
• Emergency Medical Evacuation & Repatriation – $500,000
• AD&D – $25,000
• Travel Assistance – Included

The truth is Travelex does cost a bit more. But you also get a solid range of benefits including things like trip interruption, delay and even missed connections.

That’s one of the reasons they have become so popular with US digital nomads.

Travelex also includes a bunch of optional add-ons for the Travel Select plan including Medical Expense Coverage, Adventure Sports, Car Rental Collision Protection and more.

One thing you should keep in mind is the emergency medical expenses. Make sure it provides enough financial coverage for you.

Travelex Pros & Cons

Cost Of Travelex Insurance

You need to get a Travelex quote to see how much the plans cost.

To give you some pricing guide, a 30-year-old US digital nomad from California can expect to pay about $119 for a 1-month trip on the Travel Select plan.

This is on the more expensive side buy it does include a bunch of extra benefits such as trip cancellation and trip interruption which a lot of other digital nomad insurance providers don’t cover.

Travelex also includes a few optional extras starting at as little as $9 per day to cover things like cancel for any reason, adventure sports and car rental collision protection.

Travelex offers a holistic approach to digital nomad insurance. While you will probably end up spending a bit more than other providers on the list, it offers maximum coverage for a whole bunch of things.

7. IMG Global Travel Insurance

IMG Global is a big insurance company.

They are financially strong and have some of the most competitive prices out there for what’s included.

IMG Global is another company with a good reputation for claiming insurance. They have great reviews and offer outstanding customer service.

What Do You Get With IMG Global Travel Insurance?

IMG Global offers flexibility with maximum coverage and deductibles.

But they take it to a whole new level. You can choose the “category” of insurance:

• Travel Medical Insurance
• Travel Insurance

What’s the difference?

Travel insurance coverage just covers the travel part of your trip. It excludes insurance for medical bills and costs while traveling.

Travel medical insurance covers the travel and medical costs that you may incur. For the sake of this blog, I am reviewing the travel medical insurance plans offered by IMG Global.

They have 2 plans for travel medical insurance:

• Patriot International
• Patriot Platinum International

This is what they cover:

IMG Global Travel Insurance	Patriot International	Patriot Platinum International
Maximum Limit	$100,000 with 250 deductible.	$2,000,000 with 250 deductible.
Medical Expenses	Hospital, Room & Nursing Services, Ambulance, Emergency Dental	Hospital, Room & Nursing Services, Ambulance, Emergency Dental
Trip Interuption	Up to $10,000	Up to $10,000
Trip Delay	None	None
Lost Checked Luggage	Up to $50 per item	Up to $50 per item
Lost or Stolen Passport & Visa	Yes	Yes
Natural disasters	Yes	Yes
Political and Emergency Evacuation	Yes	Yes
Personal liability	Yes	Yes
Accidental Death & Dismemberment	Yes	Yes

The truth is the table above doesn’t do justice to what IMG Global covers. They have so many extras that the other companies don’t cover. You’ll need to review it yourself if you want to get the complete picture.

To see a complete list of what IMG Global covers, click here.

IMG Global Pros & Cons

IMG Global Insurance Pricing

IMG Global may offer the most competitive pricing on the list, depending on what you need.

For a 32-year-old male from the United States, this is the cost of each plan for 28 days:

• Patriot International – $31.92 USD
• Patriot Platinum International – $45.08 USD

If you plan to go with IMG Global, Patriot Platinum is a no brainer for me.

You pay just $13 more for the 4 weeks and the maximum coverage is huge. You also get a ton more benefits in your plan.

Travel Insurance vs Health Insurance For Digital Nomads

Let me be clear:

There is a big difference between health insurance vs travel insurance – especially for digital nomads.

They are different types of coverage that apply to different situations. Here’s a brief overview of both.

Travel Insurance:

Focuses on issues you might encounter when traveling. This includes things like:

• Lost baggage
• Getting robbed
• Accidents that occur while you are traveling
• Emergency medical treatment

And more. But the thing to remember is that all of the insurance relates specifically to the trip you are on.

Health Insurance:

Health insurance for nomads relates to medical issues and health-related needs you have while in your home country. This can include:

• Medical emergencies
• Pre-existing conditions
• Maternity and baby care
• Treatment for ongoing serious health conditions

Usually your health insurance only covers you while in your home country. That’s why you may still need digital nomad travel insurance even if you have health insurance back home.

Do Digital Nomads Need Travel Insurance?

This is my opinion:

You can’t afford NOT to have digital nomad travel insurance. Here’s why:

• Accidents can and do happen while traveling
• Emergency medical costs overseas are expensive
• Protect yourself against huge financial losses
• Get reimbursed if something happens to your stuff
• Peace of mind if anything unexpected happens

We buy digital nomad travel insurance to protect against significant expenses that can occur from unforeseen accidents.

If you walk across the road and get hit by a car, the medical expenses can be insane. Even in “cheaper countries”, medical costs can lead to financial ruin.

It’s just not worth the risk.

How Much Does Digital Nomad Insurance Cost?

Our research shows that digital nomad insurance costs can vary significantly depending on the provider and the coverage options chosen.

After reviewing 11 digital nomad insurance providers, the average monthly price for digital nomad insurance is approximately $45. This translates to an annual cost of around $540.

The more you pay usually means the better the coverage – but not always. The most important thing is that your nomad insurance covers what you need and is flexible enough for your lifestyle.

Costs can fluctuate depending on factors such as age, health status, and specific coverage needs. It’s important to compare different plans to find the one that best fits your requirements and budget.

What Should You Look For When Choosing Travel Insurance?

Digital nomad insurance can feel complicated. There are a lot of things that you need to consider.

Here is a quick list of factors we consider before buying digital nomad insurance:

• Policy Pricing Different plans cover different things; typically more coverage costs more. Choose a company and plan that meets your needs without being overly expensive.
• Coverage for Medical Expenses: Ensure the policy covers you for medical emergencies, hospital stays, or any specific health concerns you may have.
• Personal Belongings and Equipment Coverage: As a digital nomad, you’ll likely be carrying expensive electronics like laptops, smartphones and cameras. If you want these insured, make sure your policy covers them for loss, theft, or damage.
• Trip Cancellation or Interruption: Some insurance providers will cover you for costs if you have to cancel or cut short your trip due to unforeseen circumstances.
• Duration of Coverage: As a digital nomad, your travels might last longer than the typical vacation. The best digital nomad insurance providers offer insurance on a subscription.
• Activity Coverage: If you’re planning on doing specific activities like scuba diving or mountain climbing, make sure these are covered by your policy.
• Deductible Costs: Most digital nomad travel insurance companies have a deductible (or excess) you have to pay before the benefits kick in. Make sure you are happy with the deductible in your policy.
• Insurance Claims & Time: Insurance companies may take time to pay claims ( Anywhere from 1 to 9 months). Read this section carefully and ask for clarifications via email for written proof.
• Pre-existing Conditions: Most travel insurance companies don’t cover pre-existing conditions; some cover acute pre-existing conditions. Don’t assume coverage, double-check the policy.

These are just a few things that we always keep in mind when looking at any digital nomad insurance provider.

Remember: It is crucial to read the fine print carefully to understand what is covered and what isn’t before deciding on a policy.

Wrapping It Up

The digital nomad movement has become so big that travel insurance companies have designed policies just for us.

And you aren’t even limited to just one digital nomad insurance provider. More and more companies are adding digital nomad insurance to their list of policies every day.

Not sure which is the best digital nomad travel insurance?

Check out SafetyWing first. You get good value for money and the flexibility you need as you travel from location to location. If you just want great medical coverage then Genki Insurance could also be a good option.

If your looking for something a little more comprehensive but won’t back the then Heymondo is also worth taking a look at.

Just make sure you check their policy inclusions to ensure they’re right for you!

Want a higher level of coverage?

Health insurance might be what you need. Check out our comprehensive review of the best digital nomad health insurance.

Frequently Asked Questions

What is digital nomad insurance?

Digital nomad insurance are insurance policies designed for digital nomads. Digital nomad insurance is flexible, offering the benefits you need and allowing you to continuously travel without booking a return ticket to your home country.

What is the best travel insurance for digital nomads?

The best travel insurance for digital nomads is SafetyWing. They offer good benefits within their policies and you don’t have to set a specific policy time. You pay a fixed fee for 28 days and the subscription automatically renews.

How much does Nomad insurance cost?

Digital nomad insurance typically costs between $40 and $125 per month depending on the company and policy you choose. The more you pay usually means the better the coverage – but not always. The most important thing is that your nomad insurance covers what you need and is flexible enough for your lifestyle.

DISCLAIMER:

The information provided above is only a summary of the cover offered by some travel insurance companies and is general in nature. It is important to understand that this summary is not a recommendation to purchase. All coverage, including benefit limits, mentioned varies depending on a person’s country of residence and is subject to terms, conditions, limitations and exclusions. Ensure you always refer to the policy wording, which can be found at each provider’s site.