SafetyWing vs World Nomads vs Genki: Evidence-Based Comparison

Short answer

This comparison uses evidence-backed product facts and route-specific visa requirements. Spain DNV requires comprehensive, unlimited health coverage with no deductibles, co-payments, or moratorium, and requires insurers authorized to operate in Spain (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12). The evidence for SafetyWing, World Nomads Explorer, and Genki Traveler conflicts with those requirements, so all three are RED for Spain DNV in the current snapshot.

Key findings at a glance

What the authority requires

• Insurance is mandatory for all applicants. (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12)
• Insurer must be authorized to operate in Spain. (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12)
• Policy must cover risks insured by Spain’s public health system. (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12)
• Coverage must be comprehensive, full, and unlimited. (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12)
• No deductible, no co-payments, and no moratorium are allowed. (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12)

Normalized requirements table:

Verified requirements (PASS/FAIL/UNKNOWN)

How we evaluate

The checker compares each route’s requirements against product evidence. If product evidence explicitly conflicts with a requirement, the result is RED. If a requirement is not documented in product evidence, the result is UNKNOWN. Missing proof is not inferred as compliance. See /methodology/ for rule logic and the UNKNOWN > Wrong principle.

Product facts we can verify

Proof package checklist

• Policy documents showing unlimited coverage with no deductibles or co-payments for Spain DNV. (Source: BLS_ES_DNV_LONDON_2026)
• Evidence that the insurer is authorized to operate in Spain. (Source: BLS_ES_DNV_LONDON_2026)
• Documentation that explicitly references coverage of risks insured by Spain’s public health system. (Source: BLS_ES_DNV_LONDON_2026)

Common rejection traps

• Submitting policies with coverage caps for Spain DNV (Spain requires unlimited coverage).
• Deductibles or co-payments in policy documents (Spain requires none).
• INFERENCE: Product summaries that omit key clauses can lead to UNKNOWN results and follow-up requests.

FAQ

Q: Can any of these three products pass Spain DNV? A: No. Spain DNV requires unlimited, Spain-authorized health coverage with no deductibles or co-payments (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12), and the evidence for these products shows deductibles or coverage limits (Sources: SAFETYWING_WEBSITE_2026, WORLDNOMADS_COMPARE_2026, GENKI_TRAVELER_COVERAGE_2026).

Q: Why are SafetyWing and World Nomads RED for Germany freelance? A: Germany states that travel insurance is not sufficient for national D visas (Source: DE_D_VISA_HEALTH_INSURANCE_2026, locator: Health insurance requirements for national (category D) visas; verified 2026-01-15). SafetyWing is labeled travel insurance in its evidence summary, and World Nomads is presented as travel insurance on its comparison page (Sources: SAFETYWING_WEBSITE_2026, WORLDNOMADS_COMPARE_2026).

Q: Why does Genki show UNKNOWN for Germany freelance? A: Germany requires health insurance commensurate with statutory coverage (Source: DE_D_VISA_HEALTH_INSURANCE_2026). Genki evidence lists deductible, coverage cap, and a maximum insurance period, but does not explicitly confirm statutory-level coverage or Germany-specific acceptance, so the checker does not infer compliance (Source: GENKI_TRAVELER_COVERAGE_2026).

Q: Why are all three GREEN for Portugal DNV? A: The current Portugal E11 checklist evidence only encodes mandatory insurance (Source: VFS_PT_E11_CHINA_2025, locator: page 1, General Requirements; verified 2026-01-15), which all three products satisfy in the snapshot.

Check in the engine

Use the compliance checker with the current snapshot for this route. Example links:

• SafetyWing Nomad vs Spain DNV
• World Nomads Explorer vs Spain DNV
• Genki Traveler vs Spain DNV

Mapping results summary

As of snapshot releases/2026-01-15, the checker status for Spain DNV is RED for all three products because product evidence conflicts with Spain’s unlimited, no-deductible requirements:

Compliance snapshot across visas

Reading this table:

• GREEN: All requirements verified by evidence.
• RED: At least one requirement conflicts with evidence.
• YELLOW: Partial evidence; some requirements are not fully verified.
• UNKNOWN: Evidence missing; cannot confirm compliance.
• NOT_REQUIRED: The visa does not require insurance.

Related reading

• Spain DNV requirements (route page)
• Spain DNV insurance requirements summary
• Germany freelance visa insurance
• How to choose DNV insurance

Quick links — compliant products by route

SafetyWing shows GREEN for Portugal DNV and Costa Rica. For other European routes (Spain, Germany, Malta), different products apply — see route pages.

For Portugal Remote Work Visa and Costa Rica Digital Nomad Visa:

• SafetyWing Nomad Insurance Essential — travel medical, 175+ countries, flexible monthly subscription, cancel anytime
• SafetyWing Nomad Insurance Complete — full health insurance with travel protections, 175+ countries, routine checkups, mental health, and wellness included

Always use the compliance checker for your specific route before purchasing. SafetyWing is RED for Spain DNV, Malta Nomad, and Germany Freelance.

Affiliate disclosure: SafetyWing links are affiliate links. We may earn a commission at no extra cost to you. This does not affect compliance results or comparisons. See affiliate disclosure.

Disclaimer + Affiliate disclosure

Not legal advice. Compliance results are evidence-based snapshots.

If an affiliate link is present, it appears only after results and does not change the compliance outcome.

Last updated: 2026-02-05

Evidence log

• Source: BLS_ES_DNV_LONDON_2026
• Source: SAFETYWING_WEBSITE_2026
• Source: WORLDNOMADS_COMPARE_2026
• Source: GENKI_TRAVELER_COVERAGE_2026
• Source: DE_D_VISA_HEALTH_INSURANCE_2026
• Source: VFS_PT_E11_CHINA_2025
• Source: CR_DECREE_43619_2026
• Source: TH_MFA_DTV_2026
• Source: MT_RESIDENCY_FAQ_2026