{
  "updated": "2026-08-16",
  "currency": "USD",
  "reference_trip": "14-day trip to Japan, traveler age 30, $3,000 trip cost, US resident",
  "note": "Travel insurance is quote-based and regulated by the BUYER'S country of residence. Global plans (SafetyWing, Heymondo, World Nomads) sell to residents of most countries; US-market plans (Faye, Seven Corners, IMG) sell to US residents only. Pricing here is INDICATIVE: per-day ranges by destination zone (insurers price in zones - 'worldwide excl. US' vs 'incl. US' - not per country), age-band multipliers from published tables, and %-of-trip-cost ranges for cancellation-style plans. The tool always says estimates are not quotes and links out to the insurer. We never quote or bind insurance. VERIFY at each refresh.",
  "plans": [
    {
      "id": "safetywing",
      "name": "SafetyWing Nomad Insurance",
      "residency": {
        "type": "global",
        "note": "Sells to residents of most countries (180+); some US states restricted"
      },
      "pricing_model": "Subscription, ~$56 per 4 weeks (age 10-39, excl. US travel); cancel anytime",
      "pricing": {
        "model": "per_day",
        "per_day_excl_us": [
          1.9,
          2.6
        ],
        "per_day_incl_us": [
          3.4,
          4.6
        ],
        "age_bands": [
          {
            "max_age": 39,
            "multiplier": 1
          },
          {
            "max_age": 49,
            "multiplier": 1.65
          },
          {
            "max_age": 59,
            "multiplier": 2.6
          },
          {
            "max_age": 69,
            "multiplier": 3.5
          }
        ]
      },
      "reference_trip_estimate_usd": [
        27,
        37
      ],
      "medical_limit_usd": 250000,
      "evacuation_limit_usd": 100000,
      "trip_cancellation": {
        "available": false,
        "note": "Essential tier has trip interruption (~$5k) but NOT cancellation; Complete tier adds more"
      },
      "baggage_usd": 3000,
      "deductible_usd": 250,
      "covid_covered": true,
      "age_limit": "Up to 69",
      "adventure_sports": {
        "score": 6,
        "note": "Many activities covered; extreme sports need the add-on"
      },
      "claims_reputation_score": 7,
      "medical_score": 8,
      "cancellation_score": 2,
      "value_score": 10,
      "highlights": [
        "Cheapest way to cover long or open-ended trips",
        "Subscription auto-renews while you travel",
        "Buy after departure allowed",
        "Covers brief home-country visits"
      ],
      "downsides": [
        "$250 deductible",
        "No trip cancellation on Essential",
        "Claims can be slow at peak times"
      ],
      "affiliate": {
        "program": "SafetyWing Ambassador",
        "typical_commission": "~10% recurring",
        "signup_url": "https://safetywing.com/ambassador"
      }
    },
    {
      "id": "worldnomads",
      "name": "World Nomads",
      "residency": {
        "type": "global",
        "note": "Sells to residents of 100+ countries; product and underwriter differ by residence country"
      },
      "pricing_model": "Per-trip quote; varies by residence country",
      "pricing": {
        "model": "per_day",
        "per_day_excl_us": [
          7,
          12
        ],
        "per_day_incl_us": [
          9,
          15
        ],
        "age_bands": [
          {
            "max_age": 39,
            "multiplier": 1
          },
          {
            "max_age": 49,
            "multiplier": 1.3
          },
          {
            "max_age": 59,
            "multiplier": 1.8
          },
          {
            "max_age": 120,
            "multiplier": 2.5
          }
        ]
      },
      "reference_trip_estimate_usd": [
        100,
        160
      ],
      "medical_limit_usd": 100000,
      "evacuation_limit_usd": 500000,
      "trip_cancellation": {
        "available": true,
        "note": "Up to $2,500 on Standard, $10,000 on Explorer (US product; caps differ by country)"
      },
      "baggage_usd": 1000,
      "deductible_usd": 100,
      "covid_covered": true,
      "age_limit": "No hard cap; price rises with age, cover narrows 70+",
      "adventure_sports": {
        "score": 10,
        "note": "200+ activities covered - the default pick for surfing, trekking, diving, skiing"
      },
      "claims_reputation_score": 7,
      "medical_score": 7,
      "cancellation_score": 6,
      "value_score": 6,
      "highlights": [
        "Best activity coverage in the business",
        "Buy or extend while already abroad",
        "Product localized per residence country"
      ],
      "downsides": [
        "Pricier than rivals for simple trips",
        "Coverage caps differ by residence country - check your local product",
        "Medical limit lower than US-market rivals"
      ],
      "affiliate": {
        "program": "Via Impact/CJ (region-dependent)",
        "typical_commission": "~10% of premium",
        "signup_url": "https://www.worldnomads.com/partner"
      }
    },
    {
      "id": "heymondo",
      "name": "Heymondo",
      "residency": {
        "type": "global",
        "note": "Sells to residents of most countries; localized sites for EU/UK/US/LatAm"
      },
      "pricing_model": "Per-trip quote (from ~$16/trip)",
      "pricing": {
        "model": "per_day",
        "per_day_excl_us": [
          4.5,
          7
        ],
        "per_day_incl_us": [
          7,
          11
        ],
        "age_bands": [
          {
            "max_age": 49,
            "multiplier": 1
          },
          {
            "max_age": 64,
            "multiplier": 1.4
          },
          {
            "max_age": 120,
            "multiplier": 2
          }
        ]
      },
      "reference_trip_estimate_usd": [
        60,
        95
      ],
      "medical_limit_usd": 500000,
      "evacuation_limit_usd": 500000,
      "trip_cancellation": {
        "available": true,
        "note": "Optional add-on, up to ~$7,000"
      },
      "baggage_usd": 2500,
      "deductible_usd": 0,
      "covid_covered": true,
      "age_limit": "Up to 64 for some plans; reduced cover above",
      "adventure_sports": {
        "score": 7,
        "note": "Adventure add-on covers most common activities"
      },
      "claims_reputation_score": 8,
      "medical_score": 9,
      "cancellation_score": 6,
      "value_score": 8,
      "highlights": [
        "No deductible on medical",
        "High medical limits for the price (up to $10M on premium US plans)",
        "24/7 app with free assistance chat/calls",
        "Frequent 5-15% discount codes"
      ],
      "downsides": [
        "Cancellation is an add-on, not standard",
        "Age caps on some plans",
        "Newer brand in the US market"
      ],
      "affiliate": {
        "program": "Via Travelpayouts / partner networks",
        "typical_commission": "10-20% of sale",
        "signup_url": "https://www.travelpayouts.com/"
      }
    },
    {
      "id": "faye",
      "name": "Faye",
      "residency": {
        "type": "us_only",
        "note": "US residents only"
      },
      "pricing_model": "Per-trip quote, ~4-6% of insured trip cost",
      "pricing": {
        "model": "pct_trip_cost",
        "pct_of_trip_cost": [
          4,
          6
        ],
        "per_day_excl_us": [
          8,
          13
        ],
        "per_day_incl_us": [
          8,
          13
        ],
        "age_bands": [
          {
            "max_age": 39,
            "multiplier": 1
          },
          {
            "max_age": 59,
            "multiplier": 1.4
          },
          {
            "max_age": 120,
            "multiplier": 2.2
          }
        ]
      },
      "reference_trip_estimate_usd": [
        120,
        180
      ],
      "medical_limit_usd": 250000,
      "evacuation_limit_usd": 500000,
      "trip_cancellation": {
        "available": true,
        "note": "Up to 100% of insured trip cost; CFAR add-on available"
      },
      "baggage_usd": 2000,
      "deductible_usd": 0,
      "covid_covered": true,
      "age_limit": "No hard cap",
      "adventure_sports": {
        "score": 6,
        "note": "Common activities covered; check the extreme list"
      },
      "claims_reputation_score": 9,
      "medical_score": 8,
      "cancellation_score": 10,
      "value_score": 6,
      "highlights": [
        "Whole-trip protection incl. 100% cancellation",
        "Fastest claims in the market - app pays to Faye Wallet",
        "Add-ons: CFAR, pets, rental car"
      ],
      "downsides": [
        "US residents only",
        "Price scales with trip cost",
        "Overkill for cheap trips"
      ],
      "affiliate": {
        "program": "Via Impact",
        "typical_commission": "~$15-25 per policy",
        "signup_url": "https://www.withfaye.com/affiliates"
      }
    },
    {
      "id": "sevencorners",
      "name": "Seven Corners Trip Protection",
      "residency": {
        "type": "us_only",
        "note": "US residents only (they have a separate 'Travel Medical' line for non-US residents visiting the US - not covered here yet)"
      },
      "pricing_model": "Per-trip quote, ~3-5% of insured trip cost",
      "pricing": {
        "model": "pct_trip_cost",
        "pct_of_trip_cost": [
          3,
          5
        ],
        "per_day_excl_us": [
          5,
          9
        ],
        "per_day_incl_us": [
          5,
          9
        ],
        "age_bands": [
          {
            "max_age": 39,
            "multiplier": 1
          },
          {
            "max_age": 59,
            "multiplier": 1.4
          },
          {
            "max_age": 120,
            "multiplier": 2.2
          }
        ]
      },
      "reference_trip_estimate_usd": [
        90,
        150
      ],
      "medical_limit_usd": 500000,
      "evacuation_limit_usd": 1000000,
      "trip_cancellation": {
        "available": true,
        "note": "Up to 100% of insured trip cost; CFAR add-on"
      },
      "baggage_usd": 2500,
      "deductible_usd": 0,
      "covid_covered": true,
      "age_limit": "No hard cap; price rises with age",
      "adventure_sports": {
        "score": 5,
        "note": "Standard exclusions apply; check activity list"
      },
      "claims_reputation_score": 7,
      "medical_score": 9,
      "cancellation_score": 9,
      "value_score": 7,
      "highlights": [
        "$1M evacuation - highest here",
        "Strong medical limits",
        "Available in nearly all US states"
      ],
      "downsides": [
        "US residents only",
        "Adventure coverage weaker than World Nomads",
        "Quote flow pushes upsells"
      ],
      "affiliate": {
        "program": "In-house / CJ",
        "typical_commission": "~10%+ of premium",
        "signup_url": "https://www.sevencorners.com/partners/affiliate-program"
      }
    },
    {
      "id": "img",
      "name": "IMG iTravelInsured Travel SE",
      "residency": {
        "type": "us_only",
        "note": "US residents only for this product line"
      },
      "pricing_model": "Per-trip quote, ~3-4% of insured trip cost",
      "pricing": {
        "model": "pct_trip_cost",
        "pct_of_trip_cost": [
          3,
          4
        ],
        "per_day_excl_us": [
          4.5,
          8
        ],
        "per_day_incl_us": [
          4.5,
          8
        ],
        "age_bands": [
          {
            "max_age": 39,
            "multiplier": 1
          },
          {
            "max_age": 59,
            "multiplier": 1.4
          },
          {
            "max_age": 120,
            "multiplier": 2.2
          }
        ]
      },
      "reference_trip_estimate_usd": [
        90,
        120
      ],
      "medical_limit_usd": 250000,
      "evacuation_limit_usd": 500000,
      "trip_cancellation": {
        "available": true,
        "note": "Up to 100% of insured trip cost"
      },
      "baggage_usd": 1500,
      "deductible_usd": 0,
      "covid_covered": true,
      "age_limit": "No hard cap; price rises with age",
      "adventure_sports": {
        "score": 5,
        "note": "Standard list; extreme sports excluded"
      },
      "claims_reputation_score": 6,
      "medical_score": 8,
      "cancellation_score": 9,
      "value_score": 8,
      "highlights": [
        "Solid cancellation coverage at a low price",
        "Long-established underwriter",
        "Good balance for ordinary vacations"
      ],
      "downsides": [
        "US residents only",
        "Claims service gets mixed reviews",
        "Unremarkable app experience"
      ],
      "affiliate": {
        "program": "In-house",
        "typical_commission": "~10-15% of premium",
        "signup_url": "https://www.imglobal.com/producers"
      }
    }
  ],
  "roadmap_note": "If call volume justifies it: add more non-US-market providers (e.g. Genki, True Traveller UK/EU, EKTA) and per-residence-country product variants. Data quality over breadth - only add providers whose numbers we can verify."
}