Safety-first coverage for women traveling independently worldwide.

Standard policies don't explicitly cover harassment or assault, but comprehensive plans include emergency medical, counseling, and trip interruption. If you experience assault in a foreign country, your policy should cover emergency medical care ($5,000-$50,000), psychological counseling (often $100-$200/session with caps), and emergency relocation or trip home. Some insurers offer assault assistance with connections to local authorities and advocacy organizations.

Trip interruption coverage can reimburse emergency hotel changes if your original lodging becomes unsafe. If your Airbnb host makes you uncomfortable or there's a safety threat, policies typically cover the difference between your pre-paid accommodation and emergency alternative lodging ($150-$300/night). Document everything with photos, messages, and police reports. One solo traveler in Morocco relocated hotels after harassment—her insurance covered 3 nights at a women-only riad ($450).

Trip cancellation coverage reimburses your total trip cost including solo supplements. If you booked a $3,000 tour with a $800 single supplement and cancel due to illness, you'll get the full $3,800 back. Many group tour companies charge solo travelers 25-100% extra for single rooms—insurance protects that premium. One traveler saved $1,400 in non-refundable solo supplements when she had to cancel her Patagonia trek due to a family emergency.

Electronics coverage is critical for solo travelers since your phone is your lifeline. Standard policies cap electronics at $500-$1,000, but you can add riders for higher limits. If your $900 iPhone is stolen in Barcelona, standard coverage gives you $500—not enough to replace it. SafetyWing and World Nomads offer up to $3,000 in electronics coverage with riders. Always have cloud backups of emergency contacts, insurance docs, and embassy info.

Most insurers offer 24/7 multilingual assistance hotlines with translators. Call the emergency number on your insurance card, and they'll connect you with translators and local medical/legal resources. Some companies (Allianz, GeoBlue) have female-specific support teams trained in women's safety issues. If you're arrested, assaulted, or injured in rural Thailand, they'll coordinate with embassies, police, and hospitals on your behalf.

Yes—confirm your policy doesn't have regional exclusions and includes political/security evacuation. In countries with restrictive women's rights laws (Saudi Arabia, Iran, Afghanistan), standard travel insurance may not cover issues stemming from cultural conflicts. If you're detained for dress code violations or face gender-based restrictions, evacuation coverage ($100,000-$250,000) gets you out. One woman traveler in Iran needed emergency evacuation during protests—her policy covered the $45,000 private flight to Dubai.

Emergency medical coverage includes reproductive health needs (UTIs, yeast infections, emergency contraception, pregnancy complications). A UTI requiring antibiotics costs $80-$200 abroad. Emergency contraception (Plan B) is $30-$60 but may be hard to find in conservative countries. If you need an emergency D&C or miscarriage care abroad, costs can exceed $5,000—your policy should cover this under emergency medical. Always disclose if you're pregnant, as some policies exclude pregnancy-related care after a certain point.

Yes, but notify insurers of solo adventure plans. Activities like solo hiking, diving, or skiing carry extra risk. If you're trekking solo in Nepal and twist an ankle 3 days from the nearest road, helicopter rescue costs $15,000-$25,000. Some policies exclude solo adventurers or require professional guides. World Nomads and Battleface specifically cover solo adventure travelers with proper declarations.

Yes, your coverage follows you regardless of who you're traveling with. If you meet friends in Bali and decide to rent scooters together, you're covered for injuries (though scooter/motorcycle coverage often requires specific riders). Just ensure any activities you add are declared. Spontaneous plans are fine—just don't engage in high-risk activities (bungee jumping, skydiving) without checking your policy first.