How we compare.
Roamsurance is an independent comparison platform for digital nomads, freelancers and remote workers abroad. This page explains how we pick carriers, how we verify pricing, and what we don't do.
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.
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 five carriers we understand deeply than twenty carriers we describe poorly.
Core comparison vs quiz candidates
Not every carrier we consider belongs in the static side-by-side table. We split things into two groups:
- Core side-by-side carriers — Genki, SafetyWing and PassportCard. These are compared in detail on compare.html against the same set of features.
- Specialist quiz candidates — for example ERV (a Swedish travel insurer) or World Nomads (adventure and trip-focused cover). The quiz may surface these 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 verify pricing
For each carrier we either show a verified price or a "Get a quote" status. A verified price means the figure was taken from the carrier's official site or quote tool, against a defined reference profile (a 30-year-old non-smoker, EU-based, traveling worldwide excluding the US, no pre-existing conditions). When the carrier's product is quote-based, region-specific or otherwise can't be reduced to a single headline figure, we show "Get a quote" instead of guessing.
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
Roamsurance does not:
- Underwrite insurance — your contract is always directly with the carrier.
- Provide personal insurance, legal, financial or medical advice.
- Handle claims, payments, refunds or policy changes.
- Guarantee that any specific carrier will accept you.
- Claim to be regulated or licensed as an insurer or broker.
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 — where we receive a referral fee, it is the same regardless of which of our listed carriers you pick.
When pages were last reviewed
| Page | Last reviewed |
|---|---|
| Carrier list (Genki, SafetyWing, PassportCard) | May 2026 |
| Pricing and quote status | May 2026 |
| Claim models | May 2026 |
| Genki vs SafetyWing comparison | May 2026 |
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.
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