How we compare.

Who Roamsurance is for

Roamsurance is built for people living and working abroad month after month — digital nomads, freelancers and remote workers — and their adjacent audiences: expats and long-stay travelers. We are not built for short package holidays. If you need a one-week trip policy, your home insurer or credit card may already cover you.

Employer and home-country cover

Having a remote job does not automatically mean your employer, home-country travel insurance, credit card or public social insurance will cover a long stay abroad. Cover can depend on whether you are formally posted, where you are resident, where you work, how long you stay and the policy wording. Roamsurance treats this as something to check before buying — we compare selected longer-stay options, but we do not decide your tax, employment or social security status.

How we pick carriers

Roamsurance is not a broad-market comparison. We start from a focused set and add new carriers only when we can research them at the same depth. A carrier is added only when we can answer all of the following from official sources:

• Who the underlying insurer is and where it is regulated.
• What the claim model is — reimbursement, direct billing, or card-based payout.
• Whether pricing is publicly verifiable or quote-based.
• The main trade-off compared to other carriers in the comparison.
• Whether the carrier accepts customers based on common nomad situations (already abroad, no fixed address, multiple countries).

We would rather list a small number of carriers we understand deeply than twenty carriers we describe poorly.

Side-by-side comparison vs quiz candidates

Not every carrier we consider belongs in the static side-by-side table. We split things into two groups:

• Side-by-side comparison set — Genki, SafetyWing, PassportCard, World Nomads, Cigna Global and Allianz Care. These six are compared in detail on compare.html against the same set of features. Current head-to-head pages: Genki vs SafetyWing, Genki vs PassportCard, SafetyWing vs PassportCard and SafetyWing vs World Nomads.
• Specialist quiz candidates — for example ERV, which may fit Swedish residents looking to keep home-country travel cover in sync. ERV is not part of the static side-by-side table; the quiz may surface specialist carriers when your country, trip type or priorities make them a relevant fit. We don't promote them generally — they appear only when the matching logic finds a specific reason.

This is intentional. The side-by-side table works best with a focused set of carriers that can be compared like-for-like. The quiz can be smarter and bring in specialist carriers for specific profiles. We do not claim to compare the broad insurance market.

How we show prices

For each carrier we show one of three honest price states, always from official carrier sources. A verified price is an official published figure from the carrier (for example SafetyWing's published rate), shown with the age band and conditions it applies to. A standard-profile reference price is captured from the carrier's own quote tool for a single documented standard profile — these profiles are carrier-specific, not one universal profile — and is labelled "Based on a standard profile." Quiz results show the material captured conditions beside the price. On compact homepage and comparison-table surfaces, we show the standard-profile label and a shared notice with the date prices were last checked. When a carrier's product is quote-based, region-specific or otherwise can't be reduced to a single figure, we show "Personalised pricing" with a "Check current price" action instead of guessing.

A standard-profile reference price is never your personal price and is not presented as verified; it also does not affect quiz ranking or sorting. Final prices and terms always come from the carrier at the point of sale — always check the carrier's quote and policy document before buying.

How we describe trade-offs

Each carrier in our comparison has trade-offs. We try to surface the main one in plain language — for example, "lower entry price but reimbursement model" or "instant card claims but higher entry price." We do not call any carrier "the best." We use language like "good fit for," "matched for," and "shown because." We show the trade-off, not just the positive.

Neutrality on static pages

On static comparison pages and the homepage, we do not visually favour any single carrier. No single column is highlighted, no single carrier is labelled "Our pick." If you take the quiz, the matches you see reflect your answers — not our preferences. Affiliate fees, where they exist, do not change which carrier appears first.

What we don't do

How we make money

We may earn a referral fee when you buy from a carrier through one of our links. The fee comes from the carrier and does not change the price you pay. We disclose this in the footer of every page. We do not rank carriers by commission — referral fees may vary, but they do not affect ranking or placement.

When pages were last reviewed

We aim to review carrier data at least every quarter. If you spot something out of date or wrong, please tell us.

Editorial independence

No carrier pays to be included or to be ranked higher. Carriers do not see the comparison content before publication. We are not owned by, partnered with, or operated by any of the listed insurers.