They solve different problems. EKTA is a classic trip-based travel policy with baggage, cancellation and high medical limits. SafetyWing is a subscription-style medical policy built for digital nomads on rolling long-term trips. Match the product to the trip shape, not the other way round.
Best for: Holidays, honeymoons, family trips, short-to-medium stays
Best for: Digital nomads, long/open-ended trips, budget backpackers
| EKTA | SafetyWing | |
|---|---|---|
| Pricing model | Trip-based, one-off | Subscription, 4-week auto-renew |
| Starting price | $2/day | ~$1.60/day (under 40) |
| Max medical | Up to $1,000,000 | $250,000 |
| Baggage / gadgets | Included | Add-on only |
| Trip cancellation | Included | Not in base plan |
| Buy after departure | No | Yes |
| Adventure sports | Add-on available | Limited |
| Best trip length | 1–90 days | 1 month – 2+ years |
SafetyWing Nomad Insurance is cheaper per week for young travellers on long trips (~$45/4 weeks). EKTA is usually cheaper for short trips (1–2 weeks) and offers higher medical limits from $2/day.
Yes. Both cover COVID-related medical treatment as any other illness, including hospitalisation and quarantine costs where medically required.
EKTA includes baggage and personal-belongings cover in its standard travel plans. SafetyWing Nomad Insurance is medical-first — for gadget cover you need the separate 'Nomad Insurance Complete' tier or an add-on.
SafetyWing — it renews automatically every 4 weeks like a subscription and covers you in your home country for short visits (up to 30 days per 90). EKTA is trip-based with fixed start/end dates.
SafetyWing yes (unusual and useful). EKTA requires purchase before departure for full cover.
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