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SafetyWing's Nomad Insurance: Is It a Good Travel Insurance?

As I was enjoying a plate of khao soi in Koh Lanta with a group of digital nomads I had just met, one of them shared a story from the night before. A friend of theirs had gotten severe food poisoning, and with no hospital equipped for all emergency procedures on the island and no travel insurance to lean on, his only option was the small local clinic (fingers crossed for the best).

Listening to this, I couldn't help but eye my khao soi with a mix of suspicion and defiance. My next thought? Well, if it turns out to be a disaster, thank goodness I didn’t skip on travel insurance .

Yes, I’m the “better be safe than sorry” type of digital nomad, but it’s in these unpredictable situations that I like to remind the risk-takers that having a safety net is not just smart—it’s essential.

So today, we’ll be reviewing one of the most popular travel insurance options among digital nomads , SafetyWing . We picked this company because it offers insurance packages tailor-made to the needs of remote workers and digital nomads.

From what’s included to what isn’t, from their claims processes to comparing it to other travel insurance companies, let’s go ahead and dive into what SafetyWing's travel insurance offers (so you won’t have to keep your fingers crossed and hope for the best).

Who is SafetyWing?

Safetywing is not just another name in the vast sea of nomad travel insurance providers . They stand out because they were born from a real need: the desire to untangle the complexities of travel insurance for us digital nomads. And yes, they deliver.

At its core, SafetyWing gets the pulse of the nomadic lifestyle . They focus on the essentials that matter to us—the unexpected illness in a foreign land, the lost luggage in transit, the sudden need to return home—they've crafted their policies to ensure we're covered, no matter where our laptops are.

You can pick from two main policies: Nomad Insurance and Nomad Health (and if you’re a remote startup, they even have a policy called Remote Health that covers global health insurance for remote companies).

Nomad Insurance is more than just travel insurance —it's a lifeline for when things go sideways. Think of it as your safety net for medical emergencies, unexpected detours, and even those frustrating moments when your luggage decides to take a different plane than you.

Then there’s Nomad Health , which is their signature global health insurance (175+ countries covered!) tailored to those digital nomads who need more comprehensive and long-term coverage .

In this review, we’ll be focusing specifically on their Nomad Insurance , which is among the most popular travel policy for digital nomads out there. 

How Does SafetyWing Travel Insurance Work?

How SafetyWing's travel insurance works is a testament to their deep understanding of the nature of the digital nomad lifestyle . They operate on a subscription model that bills you every 28 days , which means you can start, pause, or stop your coverage based on your current plans , whether you're mid-journey or planning the next trip from a beachside café.

But wait for it: most digital nomad insurance providers only allow you to purchase policies before your trip begins, but not SafetyWing . You're not locked out if your trip has already begun. Did you forget to get insurance before leaving, or suddenly decided to extend your trip? SafetyWing allows you to activate coverage while you're already abroad (something that could've been handy for that poor guy in Koh Lanta).

What Does SafetyWing Cover?

Remember that friend from Koh Lanta who was poisoned by food? Well, with SafetyWing on their side, that nasty surprise wouldn't mean choosing between a questionable local clinic or a budget-busting flight home. Coverage for unexpected medical emergencies means peace of mind (and, hopefully, a happier tummy!).

SafetyWings has really thought of this kind of emergency and just about everything that could go wrong during your extended travels. These are just a few of the many things that are covered by their Nomad Insurance :

• Emergency medical treatment and hospital stays
• Ambulance and emergency transportation
• Emergency transportation to a better equipped hospital (medical evacuation)
• Emergency dental treatment
• Prescription drugs
• An unexpected event in your home country for which you to need to go home (trip interruption)
• Political Evacuation
• Trip interruption due to death of a family member
• Accidental death and dismemberment
• If you die Arrangement for your body (burial or repatriation of remains)
• Cash payout to your beneficiary (accidental death)
• Accommodation in a different place if a natural disaster causes evacuation
• Stolen passport or travel visa
• Lost checked luggage
• Unplanned overnight stay
• $0 deductible option

What's Not Covered in SafetyWing's Travel Insurance?

If you get SafetyWing's Nomad Insurance, you have to understand that you're not purchasing primary health insurance but a travel insurance plan for unexpected medical emergencies and travel-related costs . That means that not everything will be covered by this policy. Below is what you won't find in when purchasing their travel insurance plan:

• Pre-existing conditions
• Routine check-ups and preventive care
• Cancer treatment
• Injuries from high-risk adventure sports (unless you purchased the adventure sport add-on)
• Travel to Iran, North Korea, and Cuba
• Any treatment that is not medically necessary
• Mental health disorders
• Limited coverage of stolen or lost personal items (only if you purchased the electronics theft add-on)

SafetyWing Travel Insurance Pricing

Now, let's talk about money, shall we? SafetyWing's pricing isn't one-size-fits-all. Their rates vary based on the policy you pick, how old you are , and if your travels include coverage in the United States .

If you want to beef up your coverage, SafetyWing offers a few extra options (for digital nomads living outside the US). You can choose to add protection for trips to the US, cover for injuries related to adventure sports , and even insure against electronics theft.

SafetyWing also balanced the $0 deductible awesomeness with a slight tweak in their pricing . Here's the updated breakdown to help you budget:

Nomad Insurance Pricing Excluding the US :

• Age 10-39 : $56.28 per 4 weeks
• Age 40-49 : $92.40 per 4 weeks
• Age 50-59 : $145.04 per 4 weeks
• Age 60-69 : $196.84 per 4 weeks

Nomad Insurance Pricing Including the US:

• Age 10-39 : $104.44 per 4 weeks
• Age 40-49 : $171.92 per 4 weeks
• Age 50-59 : $282.80 per 4 weeks
• Age 60-69 : $386.12 per 4 weeks

What Makes SafetyWing Stand Out From The Other Travel Insurance Plans?

From what we've seen, SafetyWing really stands out from other nomad travel insurance providers , and we’d even go as far as to say it's one of the best digital nomad insurance out there . Here’s why we’re big fans:

• Flexibility to buy insurance anywhere: If you've ever kicked off your travels only to realize you forgot to get insurance (it happens to the best of us), or maybe you just weren’t ready to head home yet and decided to extend your stay, don't sweat it. SafetyWing gets it. They let you sign up or extend your coverage from anywhere in the world, even if your trip has already begun.
• Pay-as-you-go subscription: With SafetyWing, you’re not tied down. Their 28-day billing cycle gives you the freedom to adapt your insurance to your life, not the other way around. It’s perfect for open-ended trips or for when your travel plans are as flexible as a morning yoga session.
• Travel without a return ticket: For those of us with wanderlust in our souls and no set end date in mind, SafetyWing is a dream come true. They don’t need a return date or ticket to start your coverage.
• Coverage in your home country (US residents only): For US residents who need to pop back to the US, SafetyWing covers incidental visits home. For every 90 days, you're covered for up to 30 days in your home country for unforeseen eligible medical conditions.
• Motorbike or scooter coverage: Zooming around on a motorbike or scooter? SafetyWing’s coverage of accidents on two wheels is a rare find and a major plus for adventurers.
• What you see is what you get pricing: No need to decode complicated rate charts. SafetyWing keeps it clear with straightforward pricing based on your age and whether your travels include the US.

What are SafetyWing's Nomad Insurance Disadvantages and Limitations?

Of course, it's not all sunshine and rainbows (and we wouldn't expect it to be, either). While SafetyWing really brings it home with its insurance tailored for digital nomads, like anything, it's got its quirks and limits. Here’s the real talk on what it doesn't do:

• Lack of coverage for pre-existing conditions: If you’ve got ongoing health battles or chronic conditions, SafetyWing’s going to step back on this one. They won’t cover treatments tied to those long-term health issues.
• Routine health checks off the list: For those of us living the nomad life long-term, staying on top of health through regular check-ups or preventive care is key. But with SafetyWing, you’ll need to cover these costs on your own since they're not part of the deal.
• Lack of coverage for some adventure sports: For those adrenaline junkies, just a heads up—even if you purchase the adventure sports add-on, SafetyWing draws a line on covering injuries from certain thrill-seeking activities. While most of the adventure sports are covered with the add-on, it's best to double check if yours is included before you purchase it.
• Limited coverage for stolen or lost personal items: If you're traveling with gadgets or gear that cost a pretty penny (who isn't?), absolutely purchase the electronics theft add-on. If you don't and your stuff gets stolen, it won't be covered. But still, even if you purchase the add-on, keep a close eye on your tech because, in case of theft, SafetyWing will only be covering up to $1000 per stolen item with a yearly limit of $3000 per policy.
• Lack of coverage in certain countries: If you're dreaming of adventures in Iran, North Korea, or Cuba, you'll need to look beyond SafetyWing for coverage—these destinations are off their coverage map.
• Deductible: Every time you claim, there’s a $250 deductible. That means for anything under $250, the bill’s on you. And even for bigger claims, you're covering the first $250.

What Nomads Think of SafetyWing Travel Insurance?

For something as important as travel insurance, we didn’t just want to rely on our own impressions for this review. So, we took a deep dive into what others are saying about SafetyWing on Trustpilot and ProductHunt . Here’s the scoop from the wider digital nomad community:

SafetyWing Travel Insurance Reviews on Trustpilot

Over on Trustpilot , SafetyWing's scoring a solid "Great" with a 3.9 out of 5 , and that's from a batch of 966 reviews (at the time of writing). A lot of users are giving thumbs up for the excellent customer service , highlighting how supportive and quick-to-respond the team is. They say signing up's a breeze, and the pricing is easy on the wallet.

But it's not all smooth sailing. Some travelers have hit a bit of turbulence when it comes to making claims , pointing out that things can move at a snail's pace, and getting reimbursed feels like a bit of a maze. There's also a bit of chatter about how the company's communication could be improved , especially in wanting more check-ins from the company just to feel in the loop about where their claims stand.

SafetyWing Travel Insurance Reviews on ProductHunt

On ProductHunt , SafetyWing's getting similar feedback to what's on Trustpilot. With a 3.5 out of 5 from 224 reviews (at the time of writing), lots of users appreciate the ease of use and affordability . They're fans of the flexible subscription model and how simple it is to start coverage. Some users even found the claims process straightforward.

But, just like on Trustpilot, it's not all perfect. There are users on ProductHunt sharing frustrations with slow claim responses and challenges in getting compensated . Issues with policy renewal have also come up, notably that ongoing treatments get labeled as "pre-existing conditions" in a new policy period.

SafetyWing Travel Insurance: Pros and Cons

Drawing from our experience as digital nomads and pooling insights from other travelers, we’ve put together a candid look at the ups and downs of SafetyWing's Nomad Insurance for you to make a more informed decision yourself:

SafetyWing Nomad Insurance Pros and cons:

How does safetywing compare to other travel insurance providers.

And if you were wondering what's out there and how SafetyWing compares to the other digital nomad insurance providers, we also got you covered. Here's an overview of what we know:

How to Make a Claim With SafetyWing Travel Insurance

If you'll ever need to file a claim, the good news is that the claims process with SafetyWing has improved a lot .

In the last year or so, they made major improvements to make it more user-friendly , and they've also streamlined their claim process for quicker resolution .

Here's how you can now file a claim with SafetyWing:

Step 1: Start your claim

Begin by filling out the claim form available on SafetyWing's website . If you prefer, you can also download the form and submit it via email or traditional mail.

Step 2: Gather your documentation

Collect all original itemized bills, receipts, and proof of payment for the expenses you're claiming. These documents are crucial in demonstrating the validity of your claim. If you're making a medical claim, don’t forget to include a medical statement from the treating physician or facility, as this provides a comprehensive overview of the services rendered. A mere receipt may not do the trick , as the claims team may need detailed information that only a medical statement can provide.

Step 3: Include essential information

Ensure your claim form includes your policy number and accurate contact details . This information is vital for SafetyWing to process your claim efficiently and to get in touch with you for any further information or clarifications needed.

Step 4: Get your submission on time

It's important to submit your claim within 60 days from the date of service . Prompt submission is key to a smooth claims process, allowing SafetyWing to address your needs as quickly as possible.

Step 5: Get confirmation and follow-up

After submitting your claim, you'll receive a confirmation email, acknowledging that your claim is being processed. For any queries or to check the status of your claim, SafetyWing makes it easy with options to contact their claims team via chat , phone ( +1 415 802 0299 ), or email ( [email protected] ).

How To Check Your SafetyWing Claim Progress

After you've dotted the i's and crossed the t's on your DocuSign submission, which is a part of getting your claim filed with SafetyWing, a bit of patience is in order.

The steps from submission to conclusion for your claim can take from 30 to 45 business days .

Now, about keeping tabs on your claim's status — you won't get updates in your inbox. Instead, you'll need to log into the Member Portal .

Once you're there, the following button will guide you to the "Claims and Appeals" tab:

It's here, at the very bottom of the page, where you can catch the latest on your claim's status.

If you're seeing " No claims started " or " Open ", it means the claim is still being processed , so you will have to wait up to 30-45 days before getting any updates.

So, What's Our Verdict on SafetyWing Travel Insurance?

There's no denying it, SafetyWing brings something special to the table for us digital nomads . It’s not without its quirks, but its standout features do make it an attractive pick, especially for anyone chasing a budget-friendly and no-fuss insurance option .

That said, the variety of feedback out there really underlines the need to get cozy with the policy specifics and manage your expectations when it comes to filing claims.

Like with anything important, it's smart to browse around and weigh your options when it comes to travel insurance . Go ahead and compare different travel insurance plans to find the one that meshes just right with what you need. We've rounded up some of the top picks for you to check out in the article below:

SafetyWing Travel Insurance: FAQs

Can i purchase safetywing insurance while already abroad.

Yes, SafetyWing allows you to start a policy while you are already abroad.

Does SafetyWing cover COVID-19?

Yes, SafetyWing covers COVID-19 like any other illness, provided it wasn't contracted before your policy start date.

Does SafetyWing cover pre-existing conditions?

No, SafetyWing does not cover pre-existing conditions.

How does SafetyWing handle claims?

SafetyWing has a "make a claim" section under your profile that guides you through the process. The claims form can be filled out digitally and uploaded with receipts and necessary documents.

What is the average time to get reimbursed?

Based on user reviews, the reimbursement time can vary. Some users have reported getting reimbursed in a reasonable timeframe, while others have mentioned delays and the need to follow up on their claims.

What is the deductible for SafetyWing's Nomad Insurance?

SafetyWing's Nomad Insurance has a $250 deductible. This means you'll need to pay the first $250 of your covered expenses before the insurance starts to pay.

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Home » Budget Travel » Is SafetyWing The Best Travel Insurance For Long Term Travellers? Updated For 2024

Is SafetyWing The Best Travel Insurance For Long Term Travellers? Updated For 2024

 “The  worst can happen and does happen…so you had better make sure you’re Insured”  – Fargo Season 1.

Usually, whenever I buy something I like to get my money’s worth and use it as much as possible. Take for example those Levi jeans that I wore everyday for a year until the knees wore out. Or take my trusty MacBook Pro which I use to beat out at least 10,000 words a day.

Travel Insurance on the other hand, is one of those rare things in life whereby you pay for it, and yet you hope that you never ever need to use it. But whenever you hit the road and head out on an adventure, it’s very important to get travel insurance. Whether you’re headed to Prague for a boozy weekend, or to Southeast Asia to spend 6 months finding yourself, disaster could be waiting for you at any point.

So here we run down what SafetyWing insurance offers and how they stack up against the competition. So with that, here’s our SafetyWing insurance review!

Do SafetyWing Cover COVID?

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•  Who isn’t SafetyWing Travel Insurance Suitable For? 

How Much Does SafetyWing Travel Insurance Cost?

Other travel insurance providers, when should you buy travel insurance, staying safe on your adventure, frequently asked questions about safetywing travel insurance, final thoughts on safetywing travel insurance.

When COVID-19 first rocked the world in 2020, most travel insurers were quick to invoke their cancellation clauses and pull all cover relating to either illness, cancellation or disruption caused by the pesky pandemic.

These days, most insurance providers are offering some form of COVID coverage included within their policies, but some are more useful than others. Whilst many now cover hospitalisation caused by COVID infections, fewer are offering any kind of cover for disruption or cancellation such as being refused boarding on a flight for displaying symptoms, or having to cancel your trip because of a positive test.

Whilst the pandemic has largely subsided , COVID is still able to severely disrupt travel plans. Therefore do consider paying close attention to the finer details of any insurers COVID-19 cover.

SafetyWing can offer COVID-19 coverage in their policies and may be able to cover you for illness, evacuation cancellation and interruption.

These days there are countless travel insurance providers out there and choosing between them can be overwhelming. Furthermore, some of these providers have better reputations than others and there are some very unfortunate instances of insurers not paying out on claims. Finally, deciphering between policies and reading their fine print can be exhausting. But we’re here to help.

In this SafetyWing Review, we’ll take a good, detailed look at SafetyWing and its travel insurance policy. We’ll run through the various types of cover they offer, look at what is and is not included in their policy, and we’ll assess their value for money. We’ll also have a quick look at some of their best competitors (including World Nomads insurance).

Need help deciding between Safety Wing or Hey Mondo ? Check out our helpful guide.

Do you really even need travel insurance ? It’s a fair question. After all, the vast majority of trips end happily and safely without incident.

We at the Broke Backpacker have probably spent a combined total of maybe 10 years on the road and have easily visited over 100 countries. During all of that travel, we’ve clocked up a fair few mishaps ranging from inflected legs that almost needed amputating, to the inevitable bike crashes, all the way to gun-point robberies. These incidents were all traumatic enough themselves leaving physical or mental scars. 

But mercifully, we were all insured at the time meaning that were spared the further trauma of paying out $10,000 medical bills and emergency medical evacuation or having to find $700 for a new iPhone.

Basically, nobody ever thinks it will happen to them and yet, it has to happen to somebody. Besides that, the law of averages tells us that if you travel enough, something somewhere will eventually go wrong.

Furthermore, some countries do actually require you to obtain insurance before even letting your enter. 

What Does Travel Insurance Cover?

In order for you to decide whether you really do need travel insurance, let’s look at some of the things it can help with, and where you would be without travel insurance coverage.

Lost Luggage 

The aviation industry watchdog estimates that 5.73 items of luggage are lost for every 1000 passengers. This is not a bad statistic but it means that if you take 10 flights, there is a 5% chance of your luggage being lost forever. Also, note that some airlines and airports (the black hole of Charles De Gaulle anybody?) are a lot worse than others for this.

Lost luggage can easily mean your trip is ruined as you’re forced to walk around Ibiza for a week sweating your ass off in the same inappropriate jeans and jumper combo you left home in. Replacing everything you own though, can mean you then have to find $1000 to replenish your wardrobe, refill your toiletry shelf and get a new travel camera . Any good travel insurance policy, therefore, covers lost luggage, usually up to at least $1000.

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Medical Expenses 

Medical expenses can be seriously expensive. For example a friend of mine was once hospitalised whilst volunteering in Costa Rica and ran up bills in excess of $10,000. He recently spent 1 night in a Thai hospital, was billed $1,000 and his passport was used as a ransom. Personally, I don’t have $10,000 to pay Costa Rican Doctors but I do have maybe $50 to get myself some comprehensive health insurance.

Coming from the UK where we (just about) have the NHS, the cost of medical care in some parts of the world is quite a revelation. If you are reading this in the US you already know all about health extortion but do remember that your domestic health insurance will not cover your medical expenses outside of the US.

Accidents happen without warning and ill health can strike at any time, anywhere. In fact, if you have experienced driving or hygiene standards in India, then you’ll probably agree that you’re actually at a much higher risk of coming to harm on the road than you are at home!

Travel Disruption

Travel disruption and trip interruption comes in all shapes and sizes but let’s take a classic, topical example. Every year a few airlines and travel agents go bust leaving passengers stranded. Booking flights home at short notice is expensive, but not getting home ASAP can mean getting fired from your job. Having to stay an extra few nights in a hotel can also put undue strain on an already tired travel budget.

Having travel insurance can therefore mean the difference between desperately raiding your overdraft to pay a hotel, or your travel insurance company covering a few extra nights at your destination free of charge! Trip interruption is upsetting enough without it costing a fortune!

Robbery 

In many parts of the world, tourists are a target for thieves. I’ve had my phone stolen by knife-wielding bandits in Colombia and know people whose hotels have been raided leaving them without gold jewellery and laptops.

Getting jacked is scary, but having to find $700 for a new iPhone is seriously fucking depressing. Thankfully, many travel insurance companies cover it.

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Who Are SafetyWing?

If you have never heard of SafetyWing, it’s probably because they are still a new company. Launched in 2018, founded by Norwegians and based in the US, SafetyWing is one of the newest travel insurance providers in the space.

In case you are nervous about entrusting your wellbeing to a baby company, don’t be. SafetyWing’s Insurance partner is Tokio Marine, one of the biggest and most established insurance companies in Japan, and the Insurance is underwritten by Lloyds. Furthermore, Insurers are required to go through a shed load of vetting and have erm, insurance, in place before they are even allowed to trade.

SafetyWing identifies as long-term travellers and digital nomads describing their mission as “insurance for nomads by nomads”. In practice, this means that they focus on long term travellers and digital nomads who are not served by other providers and can often fall between the cracks of healthcare systems.

SafetyWing is pretty unique in that they offer a kind of hybrid between travel insurance and health insurance. Their package is nowhere near as comprehensive as standard travel insurance as they have ripped out some of the features which are less likely to apply to digital nomads and long term travellers. This is reflected in the pricing which makes them one of the most reasonable and competitive travel insurance companies.

Whereas most travel insurance companies offer multiple different plans, SafetyWing insurance keeps things straightforward and offers one simple plan.

One Simple SafetyWing Plan

The headline is that SafetyWing plan may be able to cover you up to a maximum value of $250,000 per cover period with direct billing. The excess is $250 meaning that you must pay the first $250 of any claim yourself. For example, if you end up in hospital for stitches and the bill comes to $197, then unfortunately the entire bill comes out of your pocket and you cannot claim. That is however pretty standard across insurance cover.

In case you are in a hurry, the key points are set out below.

• Medical emergencies may be covered up to $250,000. This also includes emergency dental treatment up to $1,000 which is perfect if you fancy a bit of 2am gutter boxing!
• Medical Evacuation may be covered up to $100,000. Note that emergency medical evacuation means been transferred to a hospital in your home country and does not mean been rescued from a mountain after breaking your leg whilst trekking.
• Emergency evacuation  in case of civil unrest or something may be covered up to $10,000.00. So, if London erupts into riotous, murderous, anarchy following Brexit, you can get yourself a flight either all the home, or simply to safety in Paris!
• In the event of a  natural disaster , cover may be $100 per day for 5 days for accommodation costs.
• Whilst trip cancellation is  not  included, trip  interruption  up to $5,000.00 is included. This means that if you are forced to cut your trip short, you may receive up to $5,000 to help you get home.
• Lost Luggage  may be covered up to $3,000. However, note that the maximum value per item is $500. Therefore, if you plan on checking-in that diamond necklace, you may wish to obtain different cover.

Please remember that international travel insurance coverage changes from time to time. It is important for you to read the policy yourself and make sure you understand it. If you are uncertain of anything, it is a good idea to speak with the provider for clarification especially when it comes to things like trip interruption and specific medical coverage.

Remote Health

SafetyWing quite recently launched a second policy; Remote Health. Remote Health was initially designed to cover remote working teams and was a pioneering form of workplace health insurance for the age of the Digital Nomad.

However, SafetyWing has now evolved the concept and it is available for individuals. Remote Health differs from the standard policy in a number of ways offering a more robust cover. Crucially, it may be able to cover pandemics like the COVID-19 outbreak of 2020 and for this reason, appeals to a growing number of travellers. Not all insurance will cover Covid 19 so this is a great addition.

Remote Health is more expensive than the standard policy but may still be a good investment for those seeking stronger cover.

Emergency Accident & Sickness Medical Expenses

Got food poisoning in Delhi? Got hit by a moped in Bangkok? Or maybe you just slipped in the shower and broke your wrist at a hostel in Madrid ? These things can, and do happen and will all require emergency medical treatment. Being sick, infirm and unable to jerk yourself off is bad enough as it is, so the last thing you want is a hefty medical bill which you have to pay out of your own pocket.

Emergency accident, sickness and medical coverage is quite likely the most important aspect of any travel insurance plan – I certainly know it is for me. If you get ill, get hurt, or otherwise need medical attention, you may have medical coverage up to $250,000 and direct billing is available too.

If you need emergency dental care, you may be covered up to $1000.

Besides the above medical coverage, SafetyWing also offers a few additional benefits:

• Acute Onset of Pre-Existing Condition – If you have a pre-existing condition which suddenly, flares up, then you may be able to claim up to $250,000 of the maximum limit or $25,000 for medical emergency evacuation. If you do have a pre-existing conditions, please speak to the insurer about it to make sure you are covered.
• Outpatient Physical Therapy –  You may be able to claim up to  $50 per day if you ever need to see a physio or a chiropractor during your trip. This is very useful for when the dreaded, Digital Nomad bad-back strikes!

Emergency Evacuation and Repatriation

Medical Evacuation is when you need to be sent to your home country, or another country for further or continued medical treatment, and are too sick to travel home normally as a regular passenger. For example – when you are still stuck in a hospital bed with tubes coming stuck in you.

Repatriation means the cost of sending your dead body home. This is often overlooked by many travellers but it really is very important. The cost of flying bodies home is very expensive and I would hate for my family to ever be landed with this cost at such an awful time for them.

Accidental Death and Dismemberment

This applies in the very, very unlikely event that you have an accident and lose an arm or a foot. Or if you tragically arrive at your departing destination and then die.

This coverage is for the loss of life or limb as a result of an accidental injury occurring during the trip. The loss must occur within 365 days after the date of the accident causing the loss. Basically what this means is if you have an accident and are dying, if you die your family may be covered.

The same goes if you have something happen that results in your arm eventually being removed as a result of the accident. 

We appreciate that this is pretty heavy going, grim stuff. But please persevere, these cover policies exist for a reason – the reason being that it is has happened to somebody before.

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

Kidnapping is very rare but does happen so thankfully, SafetyWing’s Crisis Response coverage protects against this. If this happens, you may receive recompense for either your ransom or loss of personal belongings that occur during the kidnapping.

Note that crisis response does not apply in some “dangerous countries”. Examples are Iraq, Afghanistan, Pakistan, Nigeria, Somalia and Venezuela. Personally, I think it’s a bit harsh putting Pakistan on that list but there you go.

Incidentally, quite a few reputable travel insurance providers do not cover kidnapping at all.

Lost or Stolen Passport

Did you know that lost or stolen passport claims are amongst the most common ones made by travellers?! If your passport is lost or stolen, you may be able to claim up to $100 for a new one which I think, should cover it pretty much anywhere in the world.

Of course, in order to minimise the risk of this happening you should keep your passport securely locked in your hotel room or hostel locker. Even in countries that require foreigners to carry passports with them, a photo copy usually suffices.

When in transit, keep it near to you at all times and do not absent-mindedly put it down anywhere. 

Personal Liability

Personal Liability indemnifies you in the event that your actions cause injury, harm or financial loss to another party. This includes vehicle accidents where you were found to be to blame.

Coverage also includes legal fees which can be harrowingly expensive.

Home Country Coverage

Somewhat unusually, SafetyWing even offers a level of coverage in your home country. This is because SafetyWing understands that long term travellers and Digital Nomads will go home once in a while, but that “the trip” is still not over. It’s great for popping home for Christmas or to attend your annoying cousin’s wedding.

The cover period is 30 days per every 90 day period (15 days in the US) .

We are not aware of any other travel insurance provider that offers anything like this.

To get the full measure of any travel insurance, it is important to look at what is not covered as well as what is covered.

In the case of SafetyWing, there are some very notable exclusions that you should carefully take into account before deciding whether it is the right cover for you.

Trip Cancellation

In case you get ill and have to cancel your trip, you cannot recover the costs of it.  From what I can deduce, the rationale behind this is that for long term travellers and Digital Nomads, life is the trip! Therefore, you may be unlikely to ever even really need this.

Electronics

Expensive electronic equipment is not covered by the SafetyWing plan at all. At first, this may seem odd in a policy aimed at Digital Nomads . However, most Digital Nomads have separate, comprehensive gadget covers anyway. Most travel insurers who do cover gadgets only cover them up to $500 which is about one third the price of a MacBook. 

I for one have a gadget cover that covers loss, theft, accidental damage and malfunction. After all, my livelihood depends on this little piece of overpriced silicon valley crap powering up each morning.

A new country, a new contract, a new piece of plastic – booooring. Instead, buy an eSIM!

An eSIM works just like an app: you buy it, you download it, and BOOM! You’re connected the minute you land. It’s that easy.

Is your phone eSIM ready? Read about how e-Sims work or click below to see one of the top eSIM providers on the market and  ditch the plastic .

Theft or Loss

If you are robbed in Colombia, or you stupidly leave your Ombraz Armless sunglasses on an Indian bus, you are not covered. This is kind of unusual for travel insurance as both of these things do happen to travellers.

However, is this really such an issue? For example, in the case of your lost sunglasses, many insurers would try and wriggle out of paying that one anyway. Even if they did, you would have to pay the excess which could be anywhere between $50 – $250 (ie, more than the glasses are worth).

As for getting robbed, cash is generally not insured and any items are still subject to the excess. Therefore, the only thing you could realistically claim for is a stolen smartphone – see above re electronics.

Adrenaline Activities

SafetyWing does not certain adrenaline sports such as Quad Biking and Parachuting which is fair enough. However, somewhat surprisingly, football/soccer is not covered if you are playing as part of a regular team. Therefore, if you are a Digital Nomad thinking of joining the local 5 a side team in Budapest, think again! Trekking and mountaineering are covered up to an altitude of 4500 metres.

Sanctioned Countries

SafetyWing does not extend any coverage at all to Cuba, North Korea and Iran. This is presumably because the US’ draconian financial sanctions prevent them from doing so. Note that if you do wish to visit Iran, you will need travel insurance to enter so should find an alternate provider.

The kidnap or crisis coverage is not available in Iraq, Afghanistan, Pakistan, Nigeria, Somalia or Venezuela.

So what makes SafetyWing unique amongst other travel insurance providers, and who is there cover the perfect cover for?

SafetyWing understands that there is a lot more to travel than a 2-week trip. They appreciate that many of us set off with a one-way ticket, no itinerary, and have no idea when we will be coming back.

Therefore SafetyWing may be suitable for;

• Long Term Travellers – SafetyWing are pretty unique in that they offer open-ended travel insurance. You can bum around the world for years, and stay covered as long as you keep up your premiums.
• One Way Travellers –  As I said, your trip doesn’t need to have a set end date in order for the cover to be valid!
• Digital Nomads –  When you’re a digital nomad, you move from one destination to another working and hustling as you go. You can hustle around the world for years at a time with this policy. If you’re living as a digital nomad long term, there’s a pretty good chance that at some point you’re gonna need to see a Doctor about something.
• Travellers With Kids  – This is another cool feature. The policy covers one young child  per adult , up to 2 per family, age between 14 days and 10 years old. So, if both you and your partner take the cover, it’s 2 children for free as long as they are not over 10 years old! If your child is over the age of 10, you may wish to enquire about separate or additional cover for them.

  Who isn’t SafetyWing Travel Insurance Suitable For?  

SafetyWing specialises in travel insurance for long term backpackers and Digital Nomads. This is a sizeable and growing niche. However, this kind of cover isn’t necessarily right for everybody out there. SafetyWing is perhaps not the best travel insurance out therefor;

• Conventional Holidaymakers – If you are going on a classic, 2 weeks in the sun type holiday, then there will be plenty of travel insurance providers more suited to your needs, who can probably cover you cheaper than SafetyWing. 
• Travellers Who Need Comprehensive Cover –  Note that SafetyWing is a specialised cover but is not comprehensive. For example, trip cancellation cover is  not  included.
• Adrenaline Junkies  – SafetyWing does not cover extreme sports such as white water rafting, running with the bulls or been fired from cannons. If you require this kind of cover, then perhaps consider another provider. 

SafetyWing Travel Insurance can cost as little as $42 for 28 days. Compared to some private medical insurance policies, which can cost hundreds of dollars, this is great value. They also offer affordable monthly payment options.

SafetyWing’s monthly premium does vary depending on a number of factors, including the age of the applicant. A higher premium also applies if you intend to go backpacking in the USA (because of the expensive American healthcare system).

Not sure whether SafetyWing Travel Insurance is for you? Perhaps you feel you need a more comprehensive level of cover? Or maybe you are interested in SafetyWing but want to know what else is out there before you make a purchase?  

There are loads of other travel insurance providers out there to choose from. In fact, there are possibly too many! In this section, we will take a quick look at some other leading, specialised travel insurance providers who we have also used and had positive experiences with.

World Nomads

World Nomads are by far, one of our favourite travel insurance providers. Like SafetyWing, they also offer backpacker insurance.

The cover levels for medical emergencies and evacuations are broadly speaking, very similar to SafetyWing. However, World Nomads do offer 2 separate plans depending on how much coverage you want and what exactly you intend to do. World Nomads do also include trip cancellation, electronic gadgets, rental car excess, and theft cover in the policies.

Word Nomads can cover over 100 countries. They can also cover a wide range of adventure sports which SafetyWing do not. However, they do not offer Home Country cover and do not offer open-ended cover.  

ALWAYS sort out your backpacker insurance before your trip. There’s plenty to choose from in that department, but a good place to start is Safety Wing .

They offer month-to-month payments, no lock-in contracts, and require absolutely no itineraries: that’s the exact kind of insurance long-term travellers and digital nomads need.

SafetyWing is cheap, easy, and admin-free: just sign up lickety-split so you can get back to it!

Click the button below to learn more about SafetyWing’s setup or read our insider review for the full tasty scoop.

World Nomads’ cover appears a bit wider than SafetyWing but is also substantially more expensive. It is perhaps better suited to adventure travellers and more typical backpackers and less suited to Nomads.

For more information about World Nomads – check out our comprehensive World Nomads Review or just visit the site by hitting the button below.

Provided you’re still reading, I guess you have concluded that you do want travel insurance. Good decision. The next question is probably, when should you buy travel insurance?

Ideally, you should buy travel insurance before you start your trip and some providers may even insist on this. Note that if you do ever do make a claim on your travel insurance, they will probably ask for evidence of when your trip started in the form of an airline booking or flight ticket.

As a rule of thumb, I usually book my travel insurance the same day I book my flight. The only exception is if I have long term or annual cover in place at the time.

We hope you never have to claim on your travel insurance and wish you many long, happy, safe adventures. And in order to help you stay safe, we do have some top tips for you.

Firstly to make things far more difficult for potential thieves to take your money, pick yourself up a backpacker security belt to keep your cash safe & hidden on the road. Also, check out our Backpacker Safety 101 post for tips and tricks to stay safe whilst on your backpacking adventure.

For hiding bigger wads of cash, check out this post on ingenious ways to hide your money when travelling.  

I strongly recommend travelling with a headlamp whilst backpacking anywhere in the world (every backpacker should have a good headtorch!) to prevent you from falling down a well on a dark night. In case you don’t have a head torch, check out this post for a breakdown of the best value headlamps to take backpacking.

These are some of the most commonly asked questions about SafetyWing that we received from you guys. 

Do SafetyWing Insure Electronic Devices? 

No. SafetyWing does not cover electronic devices. This is because most Digital Nomads usually have dedicated gadget insurance. If you have expensive electronic devices, I recommend getting decent cover for them.

What Countries Are Covered by SafetyWing?

SafetyWing can cover over 100 countries. They are not able to cover trips to North Korea, Iran or Cuba at all. The kidnap and crisis cover is not available in Iraq, Afghanistan, Somalia, Nigeria, Pakistan & Venezuela or any other country from where they are prohibited due to the US’ Financial Sanctions.

Is SafetyWing the Best Travel Insurance for Digital Nomads?

It is not possible to say which provider or cover is best. However, SafetyWing’s mission is to provide cover for nomads, by nomads. They certainly do provide dedicated, strong cover for Digital Nomads at a great price.

Is SafetyWing the Cheapest Travel Insurance on the Market? 

SafetyWing is definitely amongst the cheapest travel insurance providers we have come across.

Whether you are planning to spend a month in Oz or to live in Southeast Asia as a freelancer, it really is a good idea to get yourself some insurance. Life is unpredictable and you never know when illness, accident or bad luck can strike. When it does, there is no worse feeling than being stuck with hefty expenses that could have easily been avoided.

I hope your future backpacking adventures fulfil all over your travel dreams and then some. Hopefully, the day will never ever come when you actually need to claim on your insurance.

But, if that dark day does arrive, SafetyWing travel insurance will help you out and you’ll be glad you made the investment.

A word on Travel Insurance. Please note that Insurance terms and conditions do vary and may change from time to time. The information provided here is for guidance purposes only. We recommend you check with your policy provider to ensure that you are fully covered before beginning your trip. Please read your policy terms and conditions very carefully.

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Aiden Freeborn

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Hi! We’re putting together a collection of reviews about Safetywing and would appreciate your input. We’re a high authority (Moz DA of 71, ahrefs DR of 62) website and can link back to you with a dofollow link below your review (can be just a few sentences long of unique content, but the more detail the better) if you submit one to us. We have a “submit review” page on our website otherwise you can email it to me. Let me know if you have any questions. Thank you!

We may well be able to provide an honest review of SafetyWing for you! I have contacted you by email.

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SafetyWing Review: Great Travel and Nomad Insurance for ~$1 A Day

I live for adventure and travel.  Along the way I hope for the best, and plenty of luck, but let’s be honest – accidents happen.  The best I can do is be prepared so that when something finally does go wrong, handling it is as quick and easy as possible.  Maintaining travel insurance, with emergency medical coverage, evacuation coverage, and perks for my trips is the first line of defense against travel mishaps, and something I adamantly recommend.  Now, thanks to SafetyWing travel insurance coverage for only ~$1 per day, any traveler can wander with a great safety net, regardless of how tight their budget is.

In this SafetyWing travel insurance review, you’ll discover why every traveler should stay covered while they wander and why SafetyWing is an excellent option I recommend…and use myself to stay safe while adventuring hard. Cheap, reliable, and convenient

Note: This article may contain affiliate links

SafetyWing Travel Insurance Review

• Claims Process
• Customer Support
• Global Availability

SafetyWing is an excellent, budget insurance options for travelers that, only ~$1 per day, offers emergency medical , trip insurances, and the coverages we need to adventure well without breaking the bank.  A convenient, recurring subscription model, easy signup, and straight forward claims process makes this a great, affordable travel insurance option for backpackers, budget travelers, and digital nomads wandering the world.

Rating Breakdown:

• Price: 5/5 – Cheaper than most other travel insurance options
• Coverage: 5/5 – Adequate coverage limits for emergency medical, evacuation, baggage, adventures and more
• Claims Process: 3/5 – Easily done via email and processing filled out and scanned forms
• Customer Support: 3/5 – Available 24/7 via email or phone with processing being constantly improved (reputation over the long term is still being assessed)
• Global Availability: 5/5 – Covered issues can be treated at any hospital, with in-network hospitals available for direct payment

User Review

Safetywing travel insurance review: 4.4/5.

SafetyWing is an excellent, budget insurance options for travelers that, only ~$1 per day, offers emergency medical , trip insurances, and the coverages we need to adventure well without breaking the bank.  A convenient, recurring subscription model with low monthly payments (~$40), easy signup, and straight forward claims process makes this a great, affordable travel insurance option for backpackers, budget travelers, and digital nomads wandering the world.

CONTENTS OF THIS SAFETYWING REVIEW

Quick safetywing insurance review.

• What is SafetyWing: Travel Insurance for ~$1 Per Day
• Why You Need Travel Insurance (From A Backpacker Who Always Avoided It…)
• What SafetyWing Covers…and What It Doesn’t
• Pros & Cons of SafetyWing
• Price for SafetyWing Travel Insurance
• Who Is SafetyWing Best For: Nomads, Backpackers, and Budget Travelers
• The Quick Bottom Line of this SafetyWing Review

Full Safetywing Review

• How to Signup for SafetyWing
• How to Use SafetyWing (Treatment & Claims)
• The Fine Print
• SafetyWing Reviews from Other Travelers: What Others Are Saying
• SafetyWing vs. World Nomads: Which Is Better for You?
• Other Great Travel Insurance Companies
• SafetyWing FAQ

Traveling adventurously (like everyone should) is inherently risky as it gets better.  Whether you’re trekking through the Himalayas, diving through the Philippines, or eating street food in Bangkok, travel insurance is a must to make sure you’re covered during accidents without breaking the bank and disrupting your travels. 

Unfortunately, most travel insurance is pricey, and some travelers skip the coverage when they really should get it – ultimately putting their adventure, budget, and life at risk.  Until now.  SafetyWing is a new travel insurance option that offers emergency medical coverage and a host of other benefits for just $1 a day. In this SafetyWing insurance review, I’ll explain why SafetyWing may (or may not) be great for you, and share some tips for getting the most from your coverage

In my years of traveling, I’ve seen all kinds of accidents, from trekkers getting helicoptered out of the Himilayas due to altitude sickness to a friend having rabies ridden bat fly right into his mouth, and countless stomach bugs requiring antibiotics and antiparasitics. Even worse (and more adventurous), more than 90% of my travelers friends that have been to Southeast Asia have crashed a motorbike. 

As travelers and backpackers, regardless of how bulletproof we think we are, there is always the possibility of an accident or medical emergency that costs much more than we anticipated. 

This doesn’t mean we should adventure less (we should always go further!) , this just means we should be prepared.

In this SafetyWing review, I’ll share why this budget-friendly travel insurance coverage might be the perfect emergency tool for travelers on tight budgets – protecting you from the inevitable without burning your hard-earned cash, and leaving more spare change for those beachside coconuts to come.

WHAT IS SAFETYWING:  TRAVEL INSURANCE FOR NOMADS FOR ~$1 PER DAY

Safetywing is a new, popular option among travel insurance companies for emergency health insurance and travel insurance while wandering abroad. 

The coverage is much cheaper than other options, at ~$1 per day, and works based on a subscription model, renewing your travel medical insurance every 30 days until you cancel.

In my experience, the signup process is quick, easy, and simple, all handled online via the SafetyWing website.

SAFETYWING TIPS UP FRONT

• Keep your SafetyWing ID card on you to present at the hospital for insurance verification – bearing your policy number and SafetyWing claims contact info
• Use the “In-Network” hospitals when possible (found in the menu logged in, in the upper right) to allow for direct payment – but know you can go to any hospital
• Beware of what is not covered, like pre existing conditions, or any injuries sustained while intoxicated, reckless, or engaging in an activity without proper protection (think lifeguards and helmets)

WHY YOU NEED TRAVEL INSURANCE: FOR THOSE UNEXPECTED MEDICAL EMERGENCIES

For the first year of traveling, I wandered pretty hard without international health insurance, nomad insurance, or comprehensive health insurance of any kind.  Considering my adventures, that was a big risk.  I motorbiked through Vietnam and Laos , trekked solo to Everest Base Camp , snorkeled with hammerhead sharks in the Galapagos Islands and ate things I couldn’t pronounce everywhere I went. 

Delilah (my motorbike) and I crossing a large river in north Vietnam on one of the best adventures of my life, with travel insurance as my safety net.

My original plan, instead of purchasing coverage from a traveler focused emergency health insurance company, was to save the $100 to $200 per month I would have spent on sufficient coverage and set that aside to spend in the event of an accident. Though this tactic might hold reasonable for a small dog bite or scrape from surfing or a small motorbike spill, generally costing between $50 and a few hundred dollars, I soon learned that the accidents we should aim to cover can not only break the bank, but also put us in debt.

From experience, I observed a friendcrash a motorbike and immediately require $5000 worth of care in the first 24 hours – and that was in Indonesia, a low cost health location. Another friend suffered a liver infection that required a Life flight back to Europe, and the flight alone cost ~$25,000. Even closer to home, I observed a hiker on the Everest Base Camp trek getting an emergency airlift to lower elevation due to altitude sickness and brain swelling, and I later learned the price for that flight on the cheap side is $3,000, with $5,000 to $10,000 being much more possible and likely.

In my 4 years of travel I’ve observed countless close calls of my own – surfing and bouncing off reefs, barely dropping motorcycles down mountains, and near misses with infections and food poisoning. More convincing though is the high number of travelers I’ve seen with much worse situations, from being bitten by rabies ridden dogs, to getting toes and fingers amputated after accidents, to taking very intense spills motorbiking, hiking, and surfing, for which a hospital visit would drain the travel budget very quickly. That is why emergency health insurance is a must for travelers.

Luckily nothing ever went wrong medically for me – but more than 90% of traveler friends have all crashed a motorbike during their Asia travels.  One of my friends had to be helicoptered off the Everest Base Camp Trek due to altitude sickness, while another picked up a staph infection on the trek that she was treating for months after the trek.  Another friend spent $1000 getting tested to find out which type of parasite she picked up in Bali.

All of these incidents were unexpected and would have been very costly if they hadn’t been covered by one of the good travel insurance companies – which is exactly why you should have some form of emergency medical coverage when adventuring outside of your home country.

THE 4 MAIN REASONS YOU NEED TRAVEL INSURANCE WHENEVER YOU WANDER INTERNATIONALLY

• Your home country health insurance may not cover you while abroad
• Mishaps abroad can cost much more than expected
• Situations requiring life flights, evacuations, and cash payments can equate to life or death  situations – having good travel insurance ensures the “life” outcome as much as possible
• Other perks: Delayed flight coverage, delayed and lost bags coverage

YOUR HOME COUNTRY HEALTH INSURANCE MAY NOT COVER YOU WHILE ABROAD

Confirm with your home country’s health insurance provider, but some locations outside of your home country won’t be covered.  This can be double the case if higher-risk activities, like surfing or canyoning, aren’t covered but you still want to travel adventurously. 

Even more difficult, certain coverages like life flights and evacuation might not be covered.  A friend last year died in Bali after a freediving accident wherein he didn’t have the medical coverage to be transported to a country with a more developed healthcare system.  If he’d had that insurance, covering emergency medical evacuation, he might be alive today.

If you do have insurance back in your home country confirm that it covers jaunts abroad and to the degree that you need it too, including the adventure sports you have planned and life flights/emergency evacuation.  If your primary health insurance in your home country doesn’t explicitly cover your destination and activities, I highly recommend that you buy insurance with a legitimate travel insurance company that includes life flights and emergency evacuations with worldwide coverage for your upcoming adventures

MISHAPS ABROAD CAN COST MUCH MORE THAN EXPECTED

How much do you think a case of the upset stomach could cost you?  If you’re most people, just a few dollars for a bottle of Pepto Bismol and a Netflix subscription for an easy night in.  Right?

Not so much.

Try $1000 and counting.

A friend just a week ago came down with a case of “Bali Belly” that ran on for a week, requiring two visits to the emergency room and an expensive string of drugs to treat an infection.  All of this came out of the blue and with a tab (so far) of over $1000, and that’s on Bali where medical care is a fraction of US and western costs.

Go back one more month and a friend ended up in a late-night motorbike crash in Southeast Asia that left him unconscious, waking up later in the hospital with a couple of “brain bleeds”.  After 2 days in the hospital, a $2000 tab, and no travel insurance he had to check himself out with no way to pay additional bills.  One week later, friends got word that he conditioned worsened he suffered a stroke because he wasn’t able to stay in the hospital, safely monitored by professionals.

Ultimately, mishaps during travel can happen to anyone (and eventually do) and they usually cost much more than we’d expect – eating through

SITUATIONS REQUIRING LIFE FLIGHTS, EVACUATIONS, AND CASH PAYMENTS CAN EQUATE TO LIFE OR DEATH SITUATIONS – HAVING GOOD TRAVEL INSURANCE ENSURES THE “LIFE” OUTCOME AS MUCH AS POSSIBLE

Whether you’re traveling somewhere that political unrest or violence might be a possibility or you need an emergency flight out of the country for life-saving medical treatment, evacuation is an essential and worthwhile part of any travel insurance policy.

OTHER TRAVEL INSURANCE PERKS: DELAYED FLIGHT COVERAGE, DELAYED AND LOST BAGS COVERAGE

Though I haven’t been broken or bruised to the point of needing medical attention during travel, I’ve had a lot of bad experiences with airlines. 

Flying from Nepal to India to Ecuador and the Galapagos islands, my bags were lost for two weeks.  A combination of having a good travel-ready and travel hacking friendly credit card and having the right travel insurance made buying the gear I needed to get me through my travels and getting reimbursed later much easier than it otherwise would have been

More recently, some of my surf gear randomly “came up missing” after flights to a country where that surf gear sold for 3x to 4x the price.

Any good travel insurance has coverage for your bags – lost, delayed, or stolen in transit – and this benefit can be quite the lifesaver and headache reliever.

Click here to see a full list of SafetyWing benefits

TRAVEL INSURANCE COVERAGES YOU SHOULD BE SURE TO HAVE

The most likely and costliest mishaps during travel are likely to fall into a few areas (some of which I’ve already mentioned).  To ensure you’re getting enough of the right coverage for your trip, ensure your travel insurance policy has the following:

• Emergency medical coverage
• Medical emergency evacuation and life flights
• Evacuation due to civil or political unrest (if you feel its needed)
• Covers your choice of adventure sports
• Lasts for the entire duration of your travels (some are limited to 40 or 60 days)
• Covers motorbike crashes, dog/animal bites
• Applies in all of the countries & destinations on your itinerary (some exclude North Korea, Iran, and Cuba)

WHAT’S COVERED UNDER SAFETYWING TRAVEL INSURANCE

Straight from SafetyWing, “This means that if you get ill or injured, we [SafetyWing] will cover eligible medical expenses.”

SafetyWing Insurance covers both medical and travel mishaps, both are destined to happen at some point during anyone’s travels

• Unexpected illness or injury, including eligible expenses for hospital, doctor or prescription drugs
• Emergency travel-related benefits such as emergency medical evacuation
• Travel delay and lost checked luggage 
• Covers you everywhere in the world except Iran, North Korea, and Cuba
• Covers you at home for 30 days of every 90 (15 days of every 90 if you’re from the US)
• Covers most of the adventure sports you’ll want to take on

(Find more in Safetywing’s description of coverages in this SafetyWing Policy PDF )

WHAT ADVENTURE SPORTS DOES SAFETYWING COVER?

• Surfing: Yes
• SCUBA Diving: Yes (As long as you are PADI certified)
• Freediving and Snorkeling: Yes (check fine print at SafetyWing for exclusions)
• Trekking, Camping, and Mountaineering (Up to 4500 Meters): Yes
• Trekking, Camping, and Mountaineering (Above 4500 Meters): No
• Motorbiking (On Road): Yes (with proper safety equipment
• Dirtbiking: No
• Bungee Jumping: Yes
• Mountain Biking: Yes
• Canyoning: Yes
• Rock Climbing and Ice Climbing: Yes
• Running with Bulls: No (It was worth a shot to ask…)

Click here for a full list of covered sports

Note that SafetyWing will not cover you during train courses, like the PADI Open Water Diver course (for SCUBA), the SSI Level 1 Course (for Freediving), or rock climbing/mountaineering courses.  However, for these, your instructor and school of choice should provide insurance that covers you during all training at their school.  Email your school prior to the course to confirm that they do have the necessary insurance – and if they don’t opt for another school.

Also note that if done for competition or organized sport, these activities are not covered by SafetyWing – so keep that in mind.  For more details on SafetyWing coverage, and confirmation that your adventure sport of choice is covered, I recommend contacting SafetyWing directly via chat , via email at [email protected] , or by phone at +1-(800) 605-2282.

Fine Print Notes on Adventure Sports Coverage Straight from SafetyWing:

“You are not covered if the activity is organized athletics involving regular or scheduled practice and/or games, or the activity is performed in a professional capacity or for any wage, reward, or profit.

You must ensure the activity is adequately supervised and that appropriate safety equipment (such as protective headwear, life jackets, etc.) are worn at all times .”

HIGHLIGHT OF SAFETYWING COVERAGES

(Some coverages may be subject to deductibles, all coverages subject to coverage limits)

• Overall Maximum Limit: $250,000
• Hospital Room and Board
• Intensive Care Unit: Up to maximum limit ($250,000)
• Emergency Room Services (subject to $100 deductible)
• Outpatient Physical Therapy: Up to $50 per day
• Emergency Dental: Up to $1000 (no deductible)
• Political Evacuation: $10,000
• Terrorism: $50,000 lifetime benefit
• Emergency Medical Evacuation: $100,000 lifetime maximum
• Trip Interruption: $5,000 (no deductible)
• Lost Luggage: $3,000
• Lost or Stolen Passport/Visa: $100
• Natural Disaster Coverage: $100 per day for 5 days
• Personal Liability: $25,000

Coverage applies everywhere except North Korea, Iran, and Cuba

Click here for a full PDF list of SafetyWing Policy Coverages or

Click here for a quick SafetyWing Travel Insurance Quote

OTHER GREAT BENEFITS OF SAFETYWING

• 24/7 support
• “In-Network” hospital finder, to find hospitals where payment is handled directly with SafetyWing
• Ability to go to any hospital
• Family coverage

BENEFITS OF SAFETYWING OVER OTHER TRAVEL INSURANCE OPTIONS

SafetyWing offers two very solid benefits over any other travel insurance I’ve tried, making it perfect for budget travelers and long term nomads:

• Great Price: Cheaper than most at ~$1
• Convenient Subscription model: Renews every month until canceled, skipping the process of searching and signing up for coverage every few months

GREAT PRICE: CHEAPER THAN MOST TRAVEL INSURANCE AT ~$1

World Nomads is a pretty great travel insurance provider, highly recommended by the travelers I know that have used them.  However, World Nomads runs ~$100 per month on average.  For the budget traveler, living off of $50 per day, that $100 per month can be a huge hit (literally costing two days per travel each month)

For roughly $1 per day (or ~$35 per month) we travelers can maintain all of the essential coverages (emergency medical, evacuation, baggage coverage during travel).

CONVENIENT SUBSCRIPTION MODEL: RENEWS EVERY MONTH UNTIL CANCELLED

Signing up for SafetyWing works on a convenient subscription basis.  Though you can signup for a week or two, I find the auto-billed subscription to be the most convenient way to handle my travel insurance needs.  I simply let  SafetyWing travel insurance automatically renew each month with my card on file that I’m traveling, and place it on pause during the very brief periods I’m in the US.

Before I’d have to renew every few months for World Nomads, comparing quotes for 30, 60, and 90 day periods, and deciding between the standard vs. explorer option, and also dealing with the break-in coverage.  With SafetyWing, I never have to worry about that lapse, those decisions, or the hassle of sitting down and signing up again.  I just start my subscription when needed, pause it when I don’t, and restart it when I’m ready to wander again.

Click here to check SafetyWing Rates for Your Upcoming Trip

WHAT’S NOT COVERED UNDER SAFETYWING TRAVEL INSURANCE

• Routine Checkups
• Preexisting Conditions
• Organized athletics and professional sports, regular or scheduled practices, and games (read more here -)
• Find out more in Safetywing’s coverage description PDF
• Theft of electronics and valuables

Click here for More Details of What SafetyWIng Doesn’t Cover

PRICE OF SAFETYWING

SafteyWing covered can be provided for a set period of days or weeks, but can also be requested on a monthly basis for a set rate, billed monthly on a recurring basis until canceled.

MONTHLY COVERAGE

• 10-39 Years Old: $37/mo.     | Including US coverage $68/mo.
• 40-49 Years Old: $60 /mo.    | Including US coverage $112/mo.
• 50-59 Years Old: $94/mo.     | Including US coverage $184/mo.
• 60-69 Years old: $128/mo.    | Including US coverage $250 mo.
• Children (Under 9): $0

DAILY COVERAGE

• 10-39 Years Old: $1.25/day | Including US coverage $2.25/day
• 40-49 Years Old: $2 /day       | Including US coverage $3.75/day
• 50-59 Years Old: $3.15/day | Including US coverage $6.15/day
• 60-69 Years old: $4.25/day   | Including US coverage $8.35/ day

Click here to check SafetyWing Rates for Your Specific Trip

WHO IS SAFETYWING TRAVEL INSURANCE FOR?

Nomads, backpackers, and budget travelers.

If you’re traveling outside of your home country for more than 30 days and you’re budget conscious, SafetyWing is likely right for you.

If your Trip is Longer than 30 Days…

Many credit cards, like Revolut** or Chase Sapphire offer travel insurance benefits that provide all of the coverages we need, however, they usually top out if your trip is longer than 30 days.  SafetyWing is good indefinitely

If You’re Not an “Expat”, Staying in One Place and in need of routine care

SafetyWing is great for travelers wandering, but if you’re an ex-pat living outside of your home country for over a year, consider “ex-pat insurance”.  Expat insurance, like with IMG Global, covers emergencies and mishaps, but also provides routine medical coverage, for things like annual physicals, checkups, routine dental, and more.  Just because we’re wandering doesn’t mean we can ignore the routine stuff, so if you’re abroad long term and need more than “emergency medical”, look into expat insurance

If You’re Adventuring Well but not too hard

SafetyWing offers some great coverage that will likely cover you 99% of the time, but there are some adventurous occasions wherein you might need a more robust policy, if you’re adventuring hard.  For instance, high altitude trekking (above 4500 meters), like what you’d do for the Everest Base Camp hike (at 5,380 meters) or Kilimanjaro (at 5,895), would not be covered under SafetyWing.

If you’re adventuring especially hard, I’d instead recommend World Nomad’s Explorer plan for those periods.  This is exactly what I did for my Everest Base Camp Trek to ensure I had coverage for a helicopter out in the event that altitude sickness hit.

If your adventures won’t be too heavy, then SafetyWing will provide sufficient coverage for your travels

If you’re budget conscious

Let’s be honest, most backpackers and digital nomads are trying to save as much money as they can, because more money saved equals more time on the road, doing what we love.  Travel insurance is an odd expense in that we need it, but we feel like we never use it.

With SafetyWing being nearly 1/3 the cost of other big travel insurance providers while delivering the same coverage in the areas that matter, we balance being responsible with being budget-conscious.

HOW TO SIGNUP FOR SAFETYWING

• Head over to SafetyWing
• Click the “signup” button
• Follow the prompts to register, selecting (or unselecting) US coverage

That’s it.  You’ll be covered within minutes

If you’re traveling for a few months, I highly recommend leaving the autopay on so that you’re automatically re-upped each month.  I’ve had a couple of times (with World Nomads ) when my coverage lapse while I was away from wifi or too busy to get to a coffee shop and in places where I genuinely needed coverage.  Signing up for the autopay and subscription feature helps you stay covered throughout your whole trip.

HOW TO FILE A CLAIM WITH SAFETYWINGS

The claims process and tips to keep things smooth.

• Step 1: Determine If its an emergency.  If it is an emergency : Make sure you have your ID card on hand and go to the nearest, legally operating hospital
• Step 2: If it is not an emergency: Attempt to find an “In-Network” hospital – when logged into your account, click on the menu in the top left and click “My Profile >> Find a Hospital” to find an in-network hospital with direct payment
• Step 3: Prepare your insurance ID card: ID card has the policy number and phone number so that the hospital can contact SafetyWing directly to check that insurance is valid and arrange for direct payment at “in-network” hospitals
• Step 4: Ask the provider about payment: If direct billing is possible (between insurer and provider) opt for that
• Step 5: Collect Itemized Receipts: Keep copies of itemized receipts for all expenses, and snap pictures as backups (with your smartphone) as soon as you receive them – you’ll need them for the claims process later
• Step 6: Start Claims process: Email screenshots of original, itemized receipts and a filled out claimant statement ( https://safetywing.com/static/media/hccmis_claimants_statement_safety_wing.c2f4318d.pdf ) to [email protected] and contact via phone to start the claims process

Note that there are no Coverage restrictions, the hospital network suggested simply makes it so that you don’t have to pay upfront for treatment, but you are covered for treatment at any hospital

HOW TO CONTACT SAFETYWING SUPPORT BY PHONE OR EMAIL FOR QUESTIONS

• Email: [email protected]
• Phone Outside the USA: +1 317-262-2132
• Phone Inside the USA: (800) 605-2282        
• Worlwide Phone Numbers List: Available in this PDF

Notes: The in-site chat is meant for asking technical questions and providing information before purchasing a policy and is not intended for emergencies or handling claims

Click here for More Details on the SafetyWing Claims Process

HIGHLIGHTS OF THE SAFETYWING FINE PRINT

For coverage to be active and cover the insured individual, sports activities must be adequately supervised and appropriate safety gear is used at all times. 

Keep in mind that you’re covered in your home country for a maximum of 15 days of every 90, but consult your policy to confirm the exact number of days based on your home country

SAFETYWING REVIEWS FROM OTHER TRAVELERS

What others are saying about safetywing.

Though SafetyWing’s coverage and pricepoint is perfect for most travelers, and the coverages are great, not all of the SafetyWing reviews (at this point) are 100% positive…yet, simply because the customer service and claims relations process and SafetyWing’s communications (website copy mostly) are still having the bugs worked out. 

Despite some negative SafetyWing reviews, I still believe SafetyWing is a great, budget friendly travel tool  – as long as you remember to keep your itemized receipts and contact SafetyWing claims and support through the correct channels.

SafetyWing is a new travel insurance company (which is why their approach and view is more aligned with modern, budget travelers) and their customer services and claims processes are adapting in a positive way as they grow.  If being a new company concerns you, I highly recommend this SafetyWing thread on Reddit in which the founder discusses how he took action to adapt the company’s claims processes to make it more intuitive for travelers as well as this other SafetyWing thread on Reddit .

Also, the handful of SafetyWing reviews that haven’t been positive revolved around the claims process and support being confusing and travelers not knowing who to contact, when, and with what information and receipts – this is actually good for us. 

As long as you understand the claims process, remember to keep receipts, and keep the right emails and phone numbers handy (to contact at SafetyWing) the insurance becomes a lot easier to use.

To make for the best experience possible using SaeftyWing, follow these steps and keep these tips in mind (which are exactly what I do):

• Keep your SafetyWing insurance card with you , bearing the your policy number and SafetyWing contact info to verify coverage
• Use the “find a hospital” feature, when logged into SafetyWing, to find an in-network hospital that does direct billing

To find an In-Network hospital or file a claim with SafetyWing, just sign in and go to your dashboard to find everything you need.

• … but understand that you are still covered at any hospital and should go to the nearest hospital if you’re having an emergency, you may just have to pay out-of-pocket and claim later
• Maintain itemized receipts for all treatment taking pictures immediately and forwarding to [email protected] with policy number ASAP
• Do not use the chat feature in SafetyWing for filing claims or for support in emergency situations – this chat feature is only for technical questions and info before you purchase your policy.
• For support during claims and finding hospitals keep the email address [email protected] handy or call +1 317-262-2132 outside the USA or (800) 605-2282 inside the USA

SAFETYWING VS. WORLD NOMADS

The major differences between SafetyWing and World Nomads

• Safety Wing is cheaper at ~$37/mo vs ~$100 per month for World Nomads
• World Nomads provides more robust coverage for adventures, like trekking above 4500 meters (Himilayas, Kilimanjaro, and Aconcagua)

Bottom Line: For “routine travels” SafetyWing suffices.  When I adventure hard and outside of SafetWing’s coverage I get World Nomads insurance for the period, then restart SafetyWing to save money.  If money is no issue, get World Nomads.  If money is an issue, balance SafetyWing with World Nomads for adventurous periods

SafetyWing is a great traveler emergency medical insurance option that is cheap. Relative to the bigger, more well-known option, SafetyWing vs. World Nomads delivers emergency medical for much cheaper (~$40 per month vs. roughly ~$100 per month for World Nomads).

Keep in mind that World Nomads offers many benefits beyond emergency medical, concierge, trip planning services, and a full list of other benefits ( click here to see the full list of World Nomads benefits ), in addition to a trusted brand name (whereas SafetyWing is fairly new and still collecting reviews about its coverages and claims processes, but I’ve had a great experience with them so far).

If you’re just interested in emergency medical coverage and concerned with saving your hard-earned dollars (or Euros), consider SafetyWing over World Nomads to save ~$70 a month.

OTHER GREAT TRAVEL INSURANCE ALTERNATIVES

There are plenty of travel insurance options out there that suit different travelers (short term travelers, long term backpackers, ex-pats), offer different coverages (trip insurance, personal property), and have different perks (concierge, trip planning).  Be sure to only get the insurance that offers the coverage you need, and don’t waste any money on coverage you don’t need.

I recommend getting quotes and reviewing coverages for all of these insurance options that fit your travel needs:

• World Nomad (if you have more to spend)
• Revolut Travel Insurance (for Trips less than 60 days)
• Lemonade: Personal Property Insurance for shorter trips
• Clements International Effects Insurance: Insuring belongings for long term travels
• Allianz Global Assistance

Click here to read our Ultimate Guide to Travel Insurance with recommendations and tips for choosing the right insurance option for you

BOTTOM LINE ON SAFETYWINGS INSURANCE FOR TRAVEL

For travelers looking for a cheap, easy to manage emergency medical coverage option for their travels, SafetyWing hits the spot.  Remember to keep your insurance card (with policy number and SafetyWing contact info) handy for emergencies just in case.  SafetyWing is my coverage of choice at the moment and will be for a while to come.  I highly recommend it.

For personal belongings or expat coverage (including routine medical) check out other options (IMG Global, Remote Health by SafetyWing)

More Good Info on Insurance for Travelers

• An Ultimate Guide to Laptop Travel Insurance , Emergency Medical Insurance, and Travel Insurance Coverage
• World Nomads Standard vs Explorer: An Ultimate Guide to The Best Travel Insurance for Your Adventure

SAFETYWING FAQ

• How do you know you can trust SafetyWing?
• What is covered with SafetyWing Travel Insurance?
• What is not covered with SafetyWing Travel insurance?
• Is there a deductible with SafetyWing Travel Insurance?
• Are Adventure sports covered with SafetyWing?
• What adventure sports are not covered with SafetyWing?
• Can I buy a SafetyWing policy after I’ve started my trip?
• How do I know what hospital to go to?
• Are motorbike and scooter accidents covered with SafetyWing?
• Can Children be covered with SafetyWing?
• How do I make a claim with SafetyWing?
• How do I signup for SafetyWing?
• Is SafetyWing the right insurance for me?
• What is the difference between SafetyWing and World Nomads?

HOW DO YOU KNOW YOU CAN TRUST SAFETYWING?

Though SafetyWing is new it has some very legitimate backing as a Silicon Valley startup that was developed out of the Y-Combinator incubator that produced AirBnB and several other travel revolutionizing tech startups.

In addition to its success, travel, and customer-focused management and investment team, SafetyWing is partnered with global insurance giant Tokio Marine and underwritten by underwriters at Lloyds for reliable insurance coverage

The short answer is you can definitely trust SafetyWing.

( Return to SafetyWing FAQ )

WHAT IS COVERED WITH SAFETYWING TRAVEL INSURANCE?

The short answer straight from SafetyWing, “This means that if you get ill or injured, we [SafetyWing] will cover eligible medical expenses.”

I trust SafetyWing because their coverage extends to all of the adventures I regularly take on (except trekking above 4500 meters) while also covering emergency medical, medical evacuation, and political evacuation.

For a more thorough answer read our “ What does SafetyWing cover? ” section.

WHAT IS NOT COVERED WITH SAFETYWING TRAVEL INSURANCE?

SafetyWing doesn’t cover unsupervised adventure sports, activities without proper safety equipment, and accidents (such as motorbiking) while intoxicated. Those are the major highlights that catch my eye, but be sure to read SafetyWing’s terms and conditions to understand fully what isn’t covered.

IS THERE A DEDUCTIBLE WITH SAFETYWING TRAVEL INSURANCE?

Yes.  The deductible is $250 up to a maximum $250,000 limit.

ARE ADVENTURE SPORTS COVERED WITH SAFETYWING?

Adventure sports coverage depends on which sport you’ll be participating in but likely is, as long as it is properly supervised, the right safety equipment is used, and it is not for a professional league, organized league, or competition (please read SafetyWing’s terms and conditions to understand the fine print before purchase)

All of the Adventure 8 activites are covered, with the exception of trekking and camping above 4500 meters (so the Everest Base Camp trek and Kilimanjaro wouldn’t be covered – for those I recommend World Nomad’s Explorer Travel Insurance plan )

WHAT ADVENTURE SPORTS ARE COVERED UNDER SAFETYWING

• Biking – includes touring and organized tours
• Bungee jumping
• Bushwalking up to 4,500 meters
• Camel riding/trekking
• Camping under 4,500 meters
• Canyon swing
• Capoeira dancing
• Clay pigeon shooting
• Cycling under 4,500 meters
• Deep-sea fishing
• Dirt boarding
• Dog sledding (not racing or competing)
• Fell running/walking
• Flying as a passenger
• Football (Soccer)
• Glacier walking up to 4,500 meters
• Gymnastics (only as exercise or for fun; not competitive or organized)
• Hiking up to 4,500 meters
• Horse riding
• Hot air ballooning as a passenger
• Hunting (excluding big game)
• Ice skating (indoor or outdoor)
• Ice climbing up to 4,500 meters
• Jet boating
• Land surfing
• Moped biking except as excluded below
• Motorbiking except as excluded below
• Mountain biking up to 4,500 meters
• Orienteering
• Outdoor endurance except as excluded below
• Paintballing
• Rap jumping
• Rifle range shooting
• Rollerblading
• Roller skating
• Rowing / sculling
• Safari tours
• Sandboarding
• Sand skiing
• Scuba diving (sub-Aqua Pursuits involving underwater breathing apparatus) as long as you are PADI/NAUI certified, or if you are not certified you are covered for up to 10 meters when accompanied by a certified instructor.
• Sea canoeing
• Sea kayaking
• Skateboarding
• Skiing (only covered for recreational skiing. No cover provided while skiing away from prepared and marked in-bound territories (off-piste) and/or against the advice of the local ski school or local authoritative body)
• Sleigh rides
• Snorkeling except as excluded below
• Snow rafting
• Snowboarding (only covered for recreational snowboarding skiing. No cover provided while skiing away from prepared and marked in-bound territories (off-piste) and/or against the advice of the local ski school or local authoritative body)
• Soccer (Football)
• Speed boating
• Stand up paddle surfing
• Stilt walking
• Surfing except as excluded below
• Table tennis
• Ten-pin bowling
• Trail bike riding
• Trekking up to 4,500 meters
• Tubing on snow
• Ultimate frisbee
• Via Ferrata up to 4,500 meters
• Wakeskating
• Wakeboarding
• Water skiing
• Weightlifting, cardio and classes at the gym (note that training for or attending a powerlifting competition is excluded.)
• Windsurfing
• Yachting (coastal waters only)
• Yachting (outside coastal waters)
• Yoga (in class or alone)

*You are not covered if the activity is organized athletics involving regular or scheduled practice and/or games, or the activity is performed in a professional capacity or for any wage, reward, or profit.

You must ensure the activity is adequately supervised and that appropriate safety equipment (such as protective headwear, life jackets etc.) are worn at all times.

Click here to get your SafetyWing Quote

(Information copied from SafetyWing Website: Source: SafetyWing FAQ, 20200218 )

WHAT ADVENTURE SPORTS ARE NOT COVERED WITH SAFETYWING :

• All-Terrain Vehicles
• American Football
• Aussie Rules Football
• Aviation (except when traveling solely as a passenger in a commercial aircraft)
• Base Jumping
• Big Game Hunting
• Cave Diving
• Heli-Skiing
• Heli-gliding
• Hot Air Ballooning as a Pilot
• Kite-Surfing
• Martial Arts
• Motorized Dirt Bikes
• Mountaineering at elevations of 4,500 meters or higher
• Outdoor Endurance Events
• Parachuting
• Parasailing
• Powerlifting (lifting at max weight with the intention of attending a competition)
• Quad Biking
• Racing by any Animal, Motorized Vehicle, or BMX, and Speed Trials and Speedway
• Running with the Bulls
• Skiing off piste (outside prepared and marked in-bound territories) and/or against or against the advice of the local ski school or local authoritative body
• Snowboarding off piste (outside prepared and marked in-bound territories)and/or against or against the advice of the local ski school or local authoritative body
• Sky Surfing
• Snow Mobile
• Sub Aqua Pursuits involving underwater breathing apparatus (unless accompanied by a certified instructor at depths less than 10m, or PADI/NAUI certified)
• Whitewater Rafting

CAN I BUY A SAFETYWING POLICY AFTER I’VE STARTED MY TRIP?

Yes, you can purchase and start SafetyWing covered after your trip has started and whether or not you’re in your home country

HOW DO I KNOW WHAT HOSPITAL TO GO TO?

You are covered to go to any hospital that is operating legally, so if you are having an emergency go to the nearest hospital.  To find an “in-network” hospital that handles payment directly with SafetyWing, click to follow these instructions and find the “find a hospital” tool in your dashboard, or click here to see SafetyWing contact info and contact SafetyWing directly

ARE MOTORBIKE AND SCOOTER ACCIDENTS COVERED WITH SAFETYWING?

Yes, as long as you are wearing a helmet, aren’t intoxicated, and are behaving responsibly

CAN CHILDREN BE COVERED?

Yes.  As part of an adult’s qualifying plan, children between the ages of 0-9 are covered free , and children ages 10 to 18 can purchase a policy at normal rates

HOW DO I MAKE A CLAIM WITH SAFETYWING?

Step 1: Collect Itemized Receipts: Keep copies of itemized receipts for all expenses, and snap pictures as backups (with your smartphone) as soon as you receive them – you’ll need them for the claims process later

Step 2: Start Claims process: Email screenshots of original, itemized receipts and a filled out claimant statement ( https://safetywing.com/static/media/hccmis_claimants_statement_safety_wing.c2f4318d.pdf ) to [email protected] and contact via phone to start claims process

Click here for full details on the claims process

HOW DO I SIGNUP FOR SAFETYWING?

Head over to SafetyWing , start a quote and follow the prompts to create a login, enter your personal data, and start coverage and billing.

Click here to jump to full details on signing up for SafetyWing

IS SAFETYWING THE RIGHT INSURANCE FOR ME?

If you are between the ages of 18 and 49, traveling for more than 30 days, and don’t plan on trekking above 4500 meters, SafetyWing is likely right for your emergency medical coverage needs. ( Click here to start your quote )

If you are an expat looking for medical that covers routine issues, like exams, dental, vision, and more, you likely need expat insurance such as IMG Global instead.  Read our full Guide to Travel and Expat Insurance to learn more or read our writeup on IMG Global as the best insurance for expats .

If you are trying to insure valuables and electronics, SafetyWing is not the policy for you, as it focuses on emergency medical care.  Instead, we recommend personal property insurance such as Lemonade for travels of less than 30 days and Clements Effects Insurance for travels longer than 30 days.

For all others in search of emergency medical coverage for travel, Safety Wing is likely a very good option for you

WHAT IS THE DIFFERENCE BETWEEN SAFETYWING AND WORLD NOMADS

• SafetyWing is nearly 1/3 the price of World Nomads ($37 vs. $100 per month)
• SafetyWing offers flexibility with its “subscription renewal” style policy
• World Nomads Covers more adventure sports – such as trekking above 4500 meters
• World Nomads offers a few more coverages such as dental, stolen baggage coverage ( Click here to see all World Nomads coverages )

If you are adventuring hard, I recommend World Nomads for those stints.

If you are on a tight budget but don’t plan on climbing any mountains, opt for SafetyWing .

OTHER GREAT TRAVEL & INSURANCE RELATED CONTENT

• The Ultimate Travel Insurance Guide: The Best Options for Medical, Emergency, Laptop Coverage, and More
• Do You Need Travel Insurance?  Maybe yes…maybe no…
• Revolut Travel Insurance: A Convenient Travel Insurance Option for Quick Trips Abroad**

ABOUT THE AUTHOR

Carlos is a nomad, slow traveler, and writer dedicated to helping others live abroad and travel better by using his 7+ years of experience living abroad and background as a management consultant and financial advisor to help other nomad and expats plot better paths for an international lifestyle. Click here to learn more about Carlos's story.

SafetyWing Travel Insurance Review: The Best Travel Insurance for Digital Nomads?

Travel insurance is always worth the money, but SafetyWing has a unique offering. In this SafetyWing review, let’s take a look at whether or not this could be the travel insurance coverage for you.

No matter where you plan to go in the world, it’s important to always travel with travel insurance. But when it comes to finding the right policy, it might be challenging to choose between the different travel insurance companies out there. That’s why this SafetyWing travel insurance review will help you to figure out if SafetyWing is the right company for you.

As a newcomer in the travel insurance industry, SafetyWing provides medical and travel insurance for many types of travelers. Whether you’re looking for coverage overseas or back in your home country, SafetyWing might be the best option for your trip.

And if you feel that another travel insurance company would be better suited for you, then we’ll help you decide which one! To compare travel insurance plans, just fill out the form below with the details from your upcoming trip.

Is Travel Insurance Worth it?

When it comes to planning a trip, you might be wondering, “ is travel insurance worth it? ”

Maybe you’ve never gotten sick or had something valuable stolen on vacation, like your passport or smartphone. Or perhaps it’s hard to justify the extra cost of travel insurance on top of already expensive flights and hotels.

Sure, most trips go off without a hitch. But if something does go wrong, you could be stuck paying for thousands of dollars in medical bills or even return flights to get you back home.

The truth is, just because something hasn’t happened in the past doesn’t mean it can’t happen in the future. Accidents can happen anywhere, even for the most experienced of travelers.

And unless you are willing to pay the money to dig yourself out of these accidents, travel insurance is really worth it.

As a rule of thumb, if you can’t afford travel insurance, you can’t afford to travel. So before you step on the plane, make sure you’re protected with a good travel insurance policy!

When to Purchase Travel Insurance

We recommend purchasing travel insurance as soon as you finalize your travel plans. But, generally speaking, you can buy a travel insurance policy anywhere from a few days to a few months before your trip starts.

Some travel insurance policies include trip cancellation coverage, which protects your losses if you can no longer go on your trip. To take advantage of this benefit, you should purchase a plan right after you make your first payment for your flight or hotel. That way, you’ll be fully covered if anything arises before your trip starts.

And if you forget to purchase travel insurance before you leave, then there are a few companies that let you take out a policy once you’re already on the road. SafetyWing , for example, lets you purchase a policy while you’re already traveling.

Who Is SafetyWing?

Before we dive into the specifics in this SafetyWing travel insurance review, let’s take a closer look at this up-and-coming company.

Founded in 2019, Norwegian travelers and entrepreneurs started SafetyWing in the Y Combinator accelerator program. As digital nomads themselves, SafetyWing’s co-founders wanted to create a policy that met the needs of like-minded travelers.

SafetyWing’s primary goal is to provide affordable travel and medical coverage for freelancers, digital nomads and long-term travelers, no matter where they are in the world.

And although SafetyWing is a relatively new company, it still has a reliable reputation. Tokio Marine, one of the largest insurance companies in Japan, backs and handles all claims.

Who Is SafetyWing Travel Insurance for?

SafetyWing is an affordable option for travelers who need emergency services abroad. As part of this SafetyWing travel insurance review, we’ll cover the types of travelers that would benefit most from this policy.

• Budget Long-Term Travelers: Unlike other insurance providers, SafetyWing allows you to travel for as long as you want. You can move around for one or two years and still have complete protection no matter where you go.
• Travelers with an Open Plan: You don’t need to specify the duration of your trip upfront, which makes it ideal for travelers who don’t know how long they’ll be on the road. And besides a few high-risk areas, your one SafetyWing policy covers you in over 180 countries.
• Travelers with Young Children: Your SafetyWing plan includes coverage for one child between the ages of 14 days and 10 years at no additional cost. If your policy includes two adults, then coverage for two children is included.

Who Isn’t SafetyWing Travel Insurance for?

Although there are many benefits to a SafetyWing travel insurance plan, it might not fit the needs for every type of traveler. And as part of this SafetyWing travel insurance review, we believe it’s essential to mention the people who might not benefit from the insurance.

• Travelers Wanting Full Trip Coverage: While SafetyWing includes trip delay, trip interruption and lost checked baggage coverage, it’s missing a few essential travel benefits. This is most noticeably trip cancellation coverage. If you can no longer go on your trip due to an illness or death in the family, you won’t be reimbursed for your flight or accommodation. For expensive vacations or longer trips, this can be a significant disadvantage.
• Travelers with Expensive Electronics: Expensive equipment like laptops, cameras and smartphones are not insured under the SafetyWing policy. If you want to make sure your equipment is protected on your trip, consider a supplemental coverage plan with InsureMyEquipment .
• Adventure Travelers: SafetyWing does not offer coverage for adventure sports like rafting or base-jumping. If you want full protection for these extreme adventures, opt for World Nomads , which includes coverage for over 300 sports and activities.

SafetyWing Travel Insurance Review: SafetyWing Plans

Currently, SafetyWing offers one simple plan for travelers.

This plan comes with a $250,000 maximum limit, meaning SafetyWing will pay a maximum of $250,000 for your coverage period.

There is also a $250 deductible. Essentially, this means that you need to pay $250 out of pocket before your SafetyWing policy takes over. However, this deductible only applies to certain benefits, like medical expenses. All other benefits are not subject to the deductible and must be paid for in full up to the maximum amount.

Safety Wing Travel Insurance Coverage

With SafetyWing, you’re protected against emergency medical treatments up to $100,000, even now during the COVID-19 global pandemic. Emergency Dental Care is also included in your policy. So if you chip your tooth or need to see a dentist urgently, you’ll be covered for an additional $1,000 in dental care.

If your injury requires you to be transported to a hospital, SafetyWing provides $100,000 in medical evacuation. Similarly, you’ll receive $10,000 for evacuation if you need to return home or to the next safest country due to political unrest. And if a natural disaster strikes, the company will reimburse you for $100 toward your accommodation costs per day for five days.

When it comes to trip protection, SafetyWing also offers a few notable benefits. While trip cancellation coverage is not included, SafetyWing does include coverage for trip interruption. So, if you need to return home from your trip early, you’ll be reimbursed up to $5,000 for your one-way air or ground transportation.

And if your trip is delayed, you’ll be reimbursed $100 a day, for a maximum of two days for accommodation or meals. You can also claim up to $3,000 (with a limit of $500 per item) if the airline loses or damages your checked luggage.

As of August 1, 2020, when you sign up for a SafetyWing plan, COVID-19 coverage is automatically included. Otherwise, if you have any active policy, you can choose to upgrade your plan for just a few dollars extra (for four weeks at a time). SafetyWing’s coverage for COVID-19 works the same as it does for other illnesses, as long as the virus wasn’t contracted before your start date. Testing for the virus is only covered if it’s deemed medically necessary by a physician.

Other Benefits to SafetyWing Travel Insurance

Besides the above coverage, SafetyWing also offers a few additional benefits:

• Acute Onset of Pre-Existing Condition: If you experience a sudden outbreak of your pre-existing condition (excludes chronic and congenital conditions), then you can expense up to $250,000 of the maximum limit and $25,000 for medical emergency evacuation.
• Outpatient Physical Therapy: You will receive a maximum of $50 per day if you need to see a physical therapist or chiropractor during your trip.
• Emergency Reunion: If you get injured, emergency reunion coverage will cover up to $50,000 for 15 days for a family member to visit you in the hospital.
• Return of Minor Children: If you are traveling with children and get injured, you will receive up to $5,000 to send them back home.
• Pet Return: You will be reimbursed up to $1,000 if you are traveling with your pet and need to send them back home following something like an injury.
• Border Entry Protection: If you are traveling to the US on a B-2 visa and get denied at the border, you will be reimbursed $500 for return travel arrangements.

SafetyWing Travel Insurance Cost

There are several factors that contribute to the cost of your travel insurance policy, including your age and the length of your travel plans. In addition, you can add coverage in the United States for an extra fee.

In fact, home country coverage is one of the biggest advantages with a SafetyWing travel insurance policy. And for US citizens, this can be an excellent benefit for just a few extra dollars a week.

It’s important to note that, while in your home country, you are only covered for 15 days within a 90 day period. If you live outside the US, then that increases to 30 days.

This is one of the lowest prices for travel insurance we’ve seen, even with coverage in the US.

It’s also good to know that SafetyWing operates on a flexible subscription model. You pay every four weeks, which means you can cancel your plan at any time. This is an excellent option for travelers who don’t necessarily know how long they plan to be overseas.

Plans will automatically renew every four weeks, and you can even sign up once you’re already on your trip.

What’s Included in SafetyWing Travel Insurance?

In this SafetyWing travel insurance review, we’ll explain what benefits are offered with their travel insurance plan. For more information, you should review the official SafetyWing Description of Coverage .

Emergency Medical

If you get sick or injured on your trip, travel insurance will reimburse the cost of any necessary medical expenses or hospital bills. That includes everything from doctor visits and surgeries to ambulance rides and prescriptions.

Testing for the COVID-19 virus is only covered if it’s deemed medically necessary by a physician.

SafetyWing’s emergency medical benefit also includes dental coverage. So if you need to see a dentist because you chipped your tooth or lost your cavity filling, those dental bills will also be covered.

Emergency Medical Evacuation

If you get sick, Emergency Medical Evacuation will cover the costs to transport you safely to a hospital. So if you break your arm in a desert safari or on the top of a mountain, you can be airlifted or driven to the nearest facility under coverage.

In most cases, this only covers transportation to the nearest medical facility. But if the facility is unable to treat your condition, you’ll be sent to the closest qualified hospital.

SafetyWing also provides coverage for non-medical evacuation. If the country you’re visiting experiences political unrest, SafetyWing covers the costs to get you back home or to the nearest safe country.

Repatriation of Remains

Although death is the worst-case scenario on any trip, it’s good to know that you are still protected with SafetyWings travel insurance. In the rare case that you die on your trip, repatriation of remains covers the cost of returning your body to your home country.

Crisis Response

Crisis Response coverage protects you in the rare instance that you get kidnapped on your trip. If this happens, you’ll receive compensation for ransom requests or loss of personal belongings that occur during the kidnapping.

Keep in mind that crisis response coverage does not protect you when traveling in dangerous areas. Some countries, for example, including Iraq, Afghanistan, Pakistan, Nigeria, Somalia and Venezuela are not covered.

Accidental Death & Dismemberment

If you get into a major accident on your trip, you’ll be covered for the loss of your limbs, eyes and in the rarest of instances, death.

SafetyWing also includes common carrier accidental death and dismemberment coverage. So if you get injured during your flight or cruise, you can receive reimbursement for your loss.

Personal Liability

Personal liability coverage protects you in case you cause injury or harm to another person, like if you hit someone with your car. This also applies to the other person’s personal belongings or property.

Coverage for this benefit is for both associated costs, as well as legal fees.

Trip Interruption

While you’re traveling, you might encounter a situation that requires you to leave your trip early. With trip interruption coverage, you’ll receive compensation for any unused and non-refundable expenses, such as flights or hotel stays.

It’s important to remember that you only have coverage for a set of defined reasons, as outlined by SafetyWing. Covered reasons include, for example, personal sickness and injury, or death of a family member.

Travel Delay

During your trip, you may encounter a problem that prohibits you from continuing your journey. Maybe your airline cancels your flight back home, or perhaps you lost your passport on the train.

But with travel delay coverage, you’ll receive reimbursement for accommodation and meals until you can continue your trip. Keep in mind that coverage only kicks in if your trip has a delay for over 12 hours and requires an overnight stay.

Lost Checked Luggage

If your airline misplaces or loses your checked luggage, then you’ll be able to claim money for your lost personal items.

However, there are two stipulations with this benefit. For one, you only have coverage if you check-in your luggage, which means that carry-on baggage is not included in this policy.

And, you can only claim up to $500 for each item in your bag. So if you’re traveling with a designer suitcase worth $750, you’ll only get $500 back.

Lost or Stolen Passport

When traveling abroad, you should always keep your passport locked in the hotel safe or safely stored in your backpack the whole time. But if your passport or travel visa goes missing, SafetyWing is there to help you get it back.

You can claim up to $100 for a new passport, which is a great benefit that we don’t see in other travel insurance policies.

Home Country Coverage

Unlike most travel insurance companies, SafetyWing offers supplemental coverage in your home country. If you live in the US, you have protection for 15 days (for every 90 days) that you are back home. And if you live outside the US, you have coverage for up to 30 days.

So if you go back home for the holidays, or simply to visit family and friends, you’re still protected under your SafetyWing policy! However, US citizens might still be required to pay a co-payment when visiting the emergency room or urgent care center.

But to us, this is one of the biggest perks of purchasing a plan with SafetyWing.

What’s Not Covered by SafetyWing Medical Travel Insurance?

Although traveling with SafetyWing has many benefits, there are a few things that the plan does not cover. For this SafetyWint travel insurance review, we will cover the limitations with their plan.

Trip Cancellation

One benefit that is noticeably missing from a SafetyWing policy is coverage for trip cancellation. So if you come down with the flu and can no longer go on your trip, you won’t be reimbursed for any non-refundable flights or hotel stays.

This can be a big issue for anyone who has spent a lot of money on their trip, or for those who have booked their trip far in advance. Without trip cancellation coverage, you’ll have to pay for the entirety of your trip, even if you can’t go.

Several other travel insurance companies provide trip cancellation coverage. For example, World Nomads and Allianz Global Assistance offer trip cancellation coverage to reimburse the costs of your unused trip.

Lost or Stolen Property

Although SafetyWing includes coverage for your checked bag, it’s doesn’t include protection for your other belongings. So if someone steals your wallet on the train or you leave your sunglasses in the hotel, you won’t be able to claim those costs with SafetyWing.

Most other insurance companies, like World Nomads , Travelex , and Allianz Global include coverage for lost, stolen, or damaged property. Even if you don’t plan on traveling with expensive equipment, it still might be important to have a policy that covers your irreplaceable belongings.

Expensive Electronics

Speaking of expensive belongings, coverage for your laptop, iPhone and other electronics is not a part of the SafetyWing travel insurance policy.

So if you’re traveling with electronics, you’ll be better offer purchasing a plan with a higher personal item maximum. We recommend InsureMyEquipment as a supplemental plan for electronic coverage.

Travel to Certain Countries

SafetyWing covers travel to most countries around the world, except for Cuba, Iran and North Korea. And if you get kidnapped in Iraq, Afghanistan, Pakistan, Nigeria, Somalia or Venezuela, you won’t have Crisis Response coverage.

If you plan to travel to a high-risk country, you should consider purchasing a policy with First Allied travel insurance. They offer protection for travelers visiting conflict and war zones in the Middle East, South America and Africa.

Pre-Existing Conditions and Preventative Care

While SafetyWing provides coverage for sicknesses and injuries, it does not cover you for any pre-existing conditions like chronic or congenital issues. And like most insurance policies, SafetyWing does not offer coverage for preventative care, such as a routine check-up with your doctor.

SafetyWing’s look-back period for pre-existing conditions is two years, which is longer than most other company policies. That means you cannot claim an insurance expense if you received your diagnosis in the last two years.

But with Allianz Global Assistance or Travelex , you may qualify for a waiver that covers pre-existing conditions during your trip.

Extreme Sports

SafetyWing has limited coverage for extreme sports and activities. So if you plan on paragliding, rafting, or even playing a game of soccer on your trip, you won’t be covered in case you get injured.

But if you plan to do anything adventurous, we recommend purchasing a policy with World Nomads . They cover over 300 extreme sports and activities, including surfing, bungee-jumping and mountain biking.

Pros and Cons of SafetyWing

• Cost: SafetyWing is by far, the most affordable travel insurance plan on the market today. At only $37/4 weeks, you’ll have a hard time finding something cheaper.
• Home Country Coverage: If you plan to return home to visit family and friends, you’ll still be covered under a SafetyWing travel insurance policy. You’ll have to pay an extra cost, but this is one of the biggest benefits that we haven’t seen before.
• Unlimited Travel: With SafetyWing travel insurance, you pay each month on a subscription model basis. There’s no cap on the duration of your trip. On top of that, your policy will automatically renew each month until you decide to cancel.
• COVID-19 Coverage: SafetyWing includes COVID-19 coverage.
• No Trip Cancellation Coverage: If you can’t go on your trip due to sickness or death of a family member, you’ll want trip cancellation protection to reimburse those unused expenses. Without trip cancellation coverage, you will have to pay for your flight and accommodation out of pocket.
• No Personal Belongings Coverage:  Petty theft can be a major issue, no matter where you are in the world. If you lose or damage something, you can’t file a claim for reimbursement with SafetyWing.
• Lack of Flexibility: SafetyWing only has one plan to choose from, without the option to customize it. There are other insurance companies, like Allianz Global or Travelex , that offer multiple plans for different types of travelers.

SafetyWing vs. Allianz vs. Travelex vs. World Nomads

Choosing the right travel insurance provider doesn’t have to be a difficult task. While there are dozens of companies in the industry, each one offers different plans and benefits for different types of travelers. And in this SafetyWing travel insurance review, we will compare SafetyWing’s policies with three other providers:

Allianz Global Assistance

World nomads.

As a subsection of Allianz SE, Allianz Global Assistance provides travel insurance for short and long-term travelers. The biggest difference between Allianz and SafetyWing is the number of policy options. Depending on your travel needs, Allianz offers nine different plans, ranging from budget one-trip plans to comprehensive multi-trip plans.

Cost is another differentiating factor. SafetyWing’s policy is $37 for four weeks, no matter where you go, or how many countries you plan to visit. But a one-month trip with the OneTrip Basic Plan, Allianz’s cheapest policy, will cost you at least $125.

On top of that, the OneTrip Basic only provides up to $10,000 in emergency medical coverage and $50,000 for emergency evacuations. SafetyWing, on the other hand, comes with $100,000 coverage for both medical and emergency evacuation. For the price, SafetyWing is a better deal if you’re looking for a comprehensive emergency medical policy.

But if you’re looking for extensive trip coverage, Allianz is the better option. SafetyWing does not include trip cancellation or lost and stolen property coverage (besides checked luggage) with their plan.

If you are looking for a flexible policy with plenty of add-ons and benefits, then Travelex is an excellent option. They offer upgrades for pre-existing conditions, rental car protection, and cancel-for-any-reason coverage.

With Travelex , you can also add coverage for adventure sports, which is missing from SafetyWing and Allianz Global Assistance policies.

The price for the most basic Travelex plan is just a few dollars more than a plan with SafetyWing. However, SafetyWing comes with a higher maximum for medical emergency and trip interruption coverage. On the other hand, Travelex offers lost and stolen baggage protection, along with trip cancellation coverage.

You can read our full Travelex insurance review for more info.

Created for backpackers and travelers, World Nomads is one of the biggest names in the travel insurance industry. It is a bit more customizable in comparison to SafetyWing by offering two plans instead of one.

Both plans with World Nomads come with $100,000 in emergency medical coverage, which is identical to the plan with SafetyWing. And, World Nomad’s most basic plan also comes with $300,000 in emergency evacuation and $2,500 in trip cancellation.

One of the most significant benefits with a World Nomads travel insurance policy is the coverage for adventure sports. World Nomads covers over 300 different activities, including dog sledding, hot air ballooning and even cage fighting!

But if the cost is a factor in your decision, then SafetyWing is the more affordable option. The cheapest one-month plan with World Nomads is almost three times more expensive than a plan with SafetyWing.

For a full breakdown, check out our comparison of SafetyWing vs. World Nomads .

How to File an Insurance Claim with SafetyWing

As part of this SafetyWing travel insurance review, we’ll explain how to file a claim if you encounter any incidents on your trip. Once you submit your request, you’ll receive compensation for any medical bills or expenses incurred on your trip.

But most importantly, don’t forget that you only have 60 days from the incident to file a claim with SafetyWing. And if the claims department needs additional documentation or information, you’ll need extra time to re-file. So, the sooner you file, the better!

Document the Incident or Accident

The first step, which is arguably the most critical step, is to collect any receipts and documents related to the incident. This is crucial information to have when filing a claim with your insurance company.

For instance, if you were in the hospital, you’ll need to save your medical reports and hospital bills. And if you lost your check-in luggage, you’ll need a detailed report from the airlines.

Remember, it’s your responsibility to collect this information from the right authorities. You’ll need as much information as possible to prove that you deserve reimbursement from SafetyWing.

Fill out the Claimant’s Statement

Once you have all your documents, you will need to complete the SafetyWing Claimant’s Statement . You will need to fill out your personal information as well as specific details about the incident. Complete this form electronically or by hand.

Submit Your Claim

Your last step is to submit the claimant’s statement and supporting documents to SafetyWing for reimbursement. You can send your claim by email to [email protected] . Or, you can print it out and mail it to the following address:

After SafetyWing receives your documents, they will send you a confirmation email where you can track the progress of the claim. Generally speaking, the processing time takes an average of eight weeks.

Final Thoughts on SafetyWing Travel Insurance

As you now know, there are plenty of benefits with a SafetyWing travel insurance policy. We hope this SafetyWing travel insurance review helps you decide if SafetyWing is the best option for your trip.

Although SafetyWing provides decent coverage in a variety of areas, they plan on launching more features down the line. That includes adding different deductible and payout options, as well as coverage upgrades for electronics and adventure sports.

Because of these new features, we’re excited to see what the future has in store for SafetyWing .

So, if you’re looking for comprehensive medical coverage, for one of the lowest prices on the market, SafetyWing might be the best company for you.

SafetyWing FAQs

Is safety wing legitimate.

Yes, SafetyWing is a legitimate company for travel insurance.

What is travel insurance?

Travel insurance is a protection policy that covers you in a variety of unexpected situations that might occur while traveling.

Is travel insurance necessary?

With travel insurance, you’ll be ready to tackle every type of travel mishap that comes your way. And just for this peace of mind alone, travel insurance is really worth it!

What should travel insurance cover?

Comprehensive travel insurance should cover trip cancellation, trip interruption, lost or stolen property, medical emergencies, and emergency evacuation

Does SafetyWing cover stolen items?

Yes, depending on the policy you pick, SafetyWing has coverage for stolen items.

Jeremy Scott Foster

Nice review on Safetywing, good stuff. I have researched them too and consider them a great insurer overall, though far from perfect still. We’re collecting and have collected a ton of user reviews for them and most are positive.

Thanks, Karen! I’m still searching for that perfect insurer, but SafetyWing definitely does a decent job and, IMO, ranks as one of the best currently on the market. I have high hopes for some new products that are launching soon.

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Safety Wing: Flexible Travel Insurance for Nomads

The leading provider of flexible travel insurance for digital nomads and remote workers. If you’re a digital nomad or remote worker, you know how important it is to have travel insurance that caters to your unique needs. Safety Wing offers specialized insurance policies designed specifically for individuals like you, providing peace of mind while you explore the world and work remotely.

With Safety Wing, you can enjoy the freedom and flexibility of your nomadic lifestyle without worrying about unexpected emergencies or incidents. Their comprehensive coverage ensures that you are protected in various situations, including emergency medical treatment , dental treatment, medical evacuation , trip interruption , accidental death, and lost luggage . Whether you’re trekking through the mountains or working from a bustling city, Safety Wing has got you covered.

One of the standout features of Safety Wing is their subscription model , which allows for easy cancellation and flexibility in travel duration. This means you can adjust your coverage according to your travel plans and only pay for the time you need. With Safety Wing, you’re not locked into a long-term contract, giving you the freedom to change your plans as your nomadic journey unfolds.

So, if you’re a digital nomad or remote worker in need of flexible travel insurance , Safety Wing is the perfect choice for you. Explore their policies, enjoy the benefits of comprehensive coverage, and travel with confidence knowing that you have the protection you need.

How Does Safety Wing Work?

Safety Wing operates on a subscription model , making it an ideal travel insurance choice for digital nomads and remote workers. With this subscription-based approach, customers are charged every 28 days, providing flexibility to match their uncertain travel durations and insurance needs.

What sets Safety Wing apart from other insurance providers is their unique feature of allowing individuals to start a policy while already abroad. This convenience is especially helpful for those who may have forgotten to purchase insurance before their trip or decided to extend their stay unexpectedly.

“Safety Wing’s subscription model and coverage while already abroad make it a standout choice for digital nomads and remote workers.”

This flexibility in policy initiation and the ability to cater to the needs of digital nomads and remote workers make Safety Wing a preferred option in the market.

What Does Safety Wing Cover?

Safety Wing provides comprehensive coverage for digital nomads and remote workers, ensuring peace of mind while traveling. Their Nomad Insurance policy includes protection for various situations that are relevant to this unique group of individuals.

• Emergency medical treatment: Safety Wing covers the cost of emergency medical treatment , ensuring that you receive the necessary care if you fall ill or sustain an injury during your travels.
• Dental treatment: In case of dental emergencies, Safety Wing offers coverage for necessary treatment to relieve pain or repair dental issues.
• Medical evacuation: If you require medical evacuation due to a severe illness or injury, Safety Wing will cover the expenses associated with transportation to a higher-quality medical facility.
• Trip interruption: Safety Wing understands that unforeseen circumstances can disrupt your travel plans. In the event of the death of a family member, they provide coverage for trip interruption costs.
• Accidental death and dismemberment: Safety Wing offers coverage in the unfortunate event of accidental death or loss of a limb during your trip.
• Lost checked luggage: Safety Wing understands the inconvenience and frustration that comes with lost luggage . They provide coverage for the loss of your checked luggage, helping you replace essential items.

These coverage benefits ensure that digital nomads and remote workers are protected financially and have access to necessary assistance if unexpected emergencies or incidents occur while traveling.

Case Study: John’s Medical Emergency

“I had a medical emergency while traveling in a foreign country, and Safety Wing came to my rescue. Their insurance coverage allowed me to receive timely medical treatment without worrying about the financial burden. I am truly grateful for their support during a challenging time.” – John Smith, Safety Wing policyholder

As demonstrated by the table and the testimonial from John, Safety Wing’s coverage extends to essential aspects of travel and provides the necessary support when unexpected situations arise. Their commitment to the well-being of digital nomads and remote workers sets them apart as a reliable and trusted travel insurance provider.

Safety Wing Pricing

When considering travel insurance for digital nomads and remote workers, pricing is an important factor to take into account. Safety Wing offers competitive pricing for their Nomad Insurance, catering to individuals of different age groups and travel needs.

The cost of Safety Wing’s Nomad Insurance varies based on several factors, including the individual’s age and whether the policy includes coverage for travel to the United States. Here’s a breakdown of the pricing :

The pricing increases for older age groups, with the highest cost being $356.72 per 4 weeks for individuals aged 60-69 with coverage including the US. However, it’s important to note that the pricing remains relatively affordable compared to other insurance providers.

The subscription model offered by Safety Wing allows for easy and flexible payment options. This means that digital nomads and remote workers can find a plan that suits their budget and needs without being tied down to long-term commitments.

With Safety Wing’s transparent pricing structure and flexible subscription model, individuals can obtain reliable travel insurance at a reasonable cost, ensuring peace of mind during their nomadic journeys.

What Makes Safety Wing Stand Out?

Safety Wing differentiates itself from other insurance providers with a range of unique features tailored to the needs of digital nomads and remote workers. These features make Safety Wing a top choice for individuals seeking travel insurance that offers flexibility, comprehensive coverage, and peace of mind.

“Safety Wing provides coverage while already abroad, a critical advantage for digital nomads and remote workers who may be in the midst of their travels and need immediate insurance protection.”

One of the standout features of Safety Wing is their ability to provide coverage while already abroad. This is particularly advantageous for individuals who may have forgotten to purchase insurance before their trip or have decided to extend their stay. With Safety Wing, there’s no need to worry about being uninsured while traveling. They understand the unique lifestyle of digital nomads and remote workers and offer instant coverage, ensuring peace of mind in any situation.

Safety Wing operates on a subscription model, offering easy cancellation and flexibility in travel duration. This means that digital nomads and remote workers can easily adjust their insurance coverage based on their changing plans, whether it’s extending a trip or returning home earlier than expected. The subscription model allows for seamless management of insurance needs, ensuring that individuals have the coverage they require without any unnecessary hassle or commitment.

Furthermore, Safety Wing goes the extra mile by providing coverage for motorbike and scooter accidents. This level of comprehensive coverage is not commonly offered by other insurance providers, making Safety Wing a preferred choice for individuals who rely on these forms of transportation during their travels.

Key Features of Safety Wing:

• Coverage while already abroad
• Flexible subscription model
• Special coverage for motorbike and scooter accidents

Alongside these unique features, Safety Wing offers transparent and straightforward pricing. This ensures that individuals can easily understand the costs associated with their insurance plan and make informed decisions. With Safety Wing, there are no hidden fees or complicated pricing structures.

If you’re a digital nomad or remote worker seeking travel insurance that provides flexible coverage , comprehensive protection, and peace of mind while abroad, Safety Wing is the ideal choice. Their commitment to understanding and catering to the specific needs of this demographic sets them apart from other insurance providers.

Safety Wing offers flexible travel insurance options specifically designed for digital nomads and remote workers. With their subscription-based model, coverage while abroad , and comprehensive range of coverage options, Safety Wing has become a popular choice among this demographic. Whether it’s emergency medical treatment, dental treatment, medical evacuation, trip interruption, accidental death, or lost luggage , Safety Wing provides reliable and convenient solutions for those seeking travel insurance tailored to their unique lifestyle.

While Safety Wing doesn’t cover pre-existing conditions and routine check-ups, their focus on the specific needs of digital nomads and remote workers makes them a standout in the travel insurance market. Their subscription model allows for easy cancellation and flexibility in travel duration, ensuring that individuals have coverage that adapts to their changing circumstances.

For digital nomads and remote workers who prioritize flexibility and peace of mind, Safety Wing offers the assurance of reliable coverage. By choosing Safety Wing as their travel insurance provider, individuals can embark on their journeys with confidence, knowing that they have the protection they need in any unexpected situation that may arise. With Safety Wing, exploring the world while working remotely has never been safer or more convenient.

How does Safety Wing work?

Safety Wing operates on a subscription model, allowing for easy cancellation and flexibility in travel duration. The subscription-based approach is ideal for digital nomads and remote workers who may have uncertain travel durations and need flexibility in their insurance coverage. Safety Wing also allows individuals to start a policy while already abroad, making it convenient for those who may forget to purchase insurance before their trip or decide to extend their stay.

What does Safety Wing cover?

Safety Wing’s Nomad Insurance covers a range of situations including emergency medical treatment, dental treatment, medical evacuation, trip interruption due to the death of a family member, accidental death and dismemberment, and lost checked luggage. This comprehensive coverage ensures that digital nomads and remote workers have protection in case of unexpected emergencies or incidents while traveling.

How much does Safety Wing cost?

The pricing of Safety Wing’s Nomad Insurance varies based on factors such as the individual’s age and whether the policy includes coverage for travel to the United States. The pricing breakdown is as follows: for individuals aged 10-39, the cost is $45.08 per 4 weeks for policies excluding the US and $87.44 per 4 weeks for policies including the US. The pricing increases for older age groups, with the highest cost being $356.72 per 4 weeks for individuals aged 60-69 with coverage including the US. The subscription model allows for easy and flexible payment options, ensuring that digital nomads and remote workers can find a plan that suits their budget and needs.

What makes Safety Wing stand out?

Safety Wing offers several unique features that set them apart from other insurance providers. They provide coverage while already abroad, which is a standout feature for digital nomads and remote workers who may need immediate coverage. The subscription-based model allows for easy cancellation and flexibility in travel duration. Additionally, Safety Wing offers coverage for motorbike and scooter accidents, a unique feature not commonly found with other insurance providers. Their pricing structure is transparent and straightforward, ensuring that individuals can understand and choose the best plan for their needs.

Does Safety Wing cover pre-existing conditions?

No, Safety Wing’s Nomad Insurance does not cover pre-existing conditions. It is important to review the policy terms and conditions to understand the limitations and exclusions of the coverage.

Can I purchase Safety Wing insurance if I am already abroad?

Yes, Safety Wing allows individuals to start a policy while already abroad. This convenience is beneficial for digital nomads and remote workers who may forget to purchase insurance before their trip or decide to extend their stay.

Source Links

• https://freakingnomads.com/safetywing-insurance-review/
• https://www.planet-nomad.com/en/safetywing-insurance/
• https://www.nerdwallet.com/article/travel/travel-insurance-options-for-digital-nomads

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Nomad Insurance description of cover

What type of insurance is this, who can get this insurance.

• If you were born less than 14 days ago.
• If your age is 70 or older.

Where can I use this insurance?

• You are not covered by this insurance in your home country , except as described in the section called “Medical coverage during visits to your home country”.
• You are not covered when traveling to the US , except if you have the add-on described in the section called "[Add-on] Include coverage in the USA".
• We will not provide cover and not be liable to pay any claim or provide any benefit under the Policy to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us to any sanction, prohibition or restriction under United Nations resolutions or any trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America, including Puerto Rico.

What is covered?

• Professional : If you are a professional athlete or an instructor, you are not covered while practicing your sport.
• Organized : The sport or activity cannot involve regular or scheduled practice, or intention to compete. 
• Rewarded : There can be no wage reward or profit connected to you doing the activity.
• Expeditions : You are not covered while exploring remote or inaccessible areas, exploratory expeditions and new routes or activities for example within Antarctica, the Arctic Circle or Greenland. 
• Safety : You must ensure the sport or activity is adequately supervised and that appropriate safety equipment (such as helmet, life jackets etc.) are worn.
• American football
• Aussie rules football
• Cave diving
• Free-style skiing
• Hang gliding
• High diving
• Kite-surfing
• Martial arts
• Motorbiking
• Motorized dirt bikes
• Mountaineering at elevations under 6000 meters altitude
• Parachuting
• Parasailing
• Paragliding
• Quad biking
• Ski / snowboard jumping
• Skiing / snowboard acrobatics
• Snow mobile
• Scuba diving accompanied by an instructor certified by PADI/NAUI/SSI/BSAC
• Tandem skydiving
• Tobogganing
• Whitewater rafting
• You took reasonable care for the safety of your electronics.
• The theft is reported to the police within 24 hours.
• You provide proof of the existence of the electronics before they were stolen (for example with a receipt of the purchase).
• We will determine the reimbursement value of your electronics based on valuations at the time of loss and market data available at the time of claim decision.
• To be covered by this add-on you must not be a US citizen or resident in any way, even if you have a different home country .
• $100 co-pay for each visit to an emergency room in the US.
• $50 co-pay for each visit to an urgent care center in the US.

What is not covered (exclusions)?

• pre-existing illness or injury , except as described in the section "Emergency treatment of a pre-existing illness or injury”.
• Any treatment that is not medically necessary .
• Charges exceeding usual, reasonable and customary .
• Any illness or injury resulting from an epidemic, pandemic, public health emergency, natural disaster, or other disease outbreak when a health warning has been in effect before your start date or if you did not leave the area mentioned in the health warning within 10 days following the date the warning is issued. Except what is described in the section called "COVID-19".
• Any costs or medical conditions related to pregnancy or childbirth, except what is described in the section called “Complications of pregnancy”.
• mental health disorder
• Any birth defects, congenital illnesses, or hereditary conditions.
• Impotency or sexual dysfunction.
• Sexually transmitted diseases and conditions (for example: syphilis, gonorrhea, chlamydia, trichomoniasis, genital herpes, and HPV).
• HIV, AIDS and ARC, and all diseases caused by HIV.
• Cancer or neoplasm.
• substance abuse or substance addiction, or any illness or injury that happened as a result of substance abuse or substance addiction.
• Acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, hypertrophic and atrophic conditions of skin.
• Sleep apnea or other sleep disorders.
• Obesity and weight modification (example: gastric bypass).
• Self-inflicted illness or injury.
• Suicide or attempted suicide.
• Injury that happened as a result of being drunk on alcohol or intoxicated by other drugs, except drugs that were prescribed by a physician.
• Injury that happened as a result of drunk driving of any type of motorized vehicle (for example car, moped, motorbike, watercraft, aircraft, electric scooter). The threshold of your allowed blood alcohol content is 0.8, or it is determined by local laws where you are—whichever is lower.
• Any kind of routine medical examination for preventative or informative purposes only (for example medical attestations, vaccinations and annual check-ups).
• Injury sustained from participation in a riot, insurrection or violent disorder.
• The voluntary use of any chemical compound or poison unless used according to the directions of a physician.
• Dental treatment, except what is described in sections “Pain relieving emergency dental treatment” and “"Emergency dental treatment and surgery following an accident .
• Organ or tissue transplants or related services.
• Nebulizers, oxygen tanks, diabetic supplies, other supplies for use or application at home (except medically necessary basic wheelchair or hospital bed, which are covered).
• While confined primarily to receive custodial care , educational or rehabilitative care , care, or any medical treatment in any establishment for the care of the aged, except rehabilitative care received upon direct transfer from a hospital.
• Promotion or prevention of conception (example: artificial insemination, treatment for infertility, sterilization or reversal of sterilization).
• Eye surgery when the primary purpose is to correct nearsightedness, farsightedness or astigmatism (example: corrective refractive surgery).
• Corrective, orthopedic or orthopedics devices (example: eyeglasses, hearing aids), or related tests and examinations, except as described in the section called "Emergency eye exam".
• Hair loss or growth (example: hair transplants or drug that promises hair growth).
• Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy, holistic care of any nature, massage and kinesiotherapy.
• Psychometric, intelligence, competency, behavioral and educational testing.
• Any treatment for cosmetic or aesthetic reasons, except for reconstructive surgery when such surgery is directly related to and follows surgery for a covered illness or injury.
• Any modifications of the body intended to improve the psychological, mental or emotional wellbeing (for example: sex-change surgery).
• Exercise programs (even if prescribed by a physician).
• Anything that happened as a result of exposure to non-medical nuclear radiation or radioactive material.
• Cryopreservation, implantation or re-implantation of living cells.
• Genetic or predictive testing.
• Investigational, experimental or for research purposes, meaning procedures, services or supplies which deviates from generally accepted standards of current medical practice.
• Any treatment not administered by or under the supervision of a physician, and products that can be purchased without a doctor's prescription.
• Any service provided by a family member or any person who ordinarily resides with you.
• Any service provided at no cost to you.
• Failure to keep a scheduled appointment.
• Payable under any government system.
• Payable under worker’s compensation or employer’s liability laws, or by any coverage provided or required by law.
• Charges resulting from or occurring during the commission of any violation of law, excluding minor traffic violations.
• War, military action or while on duty as a member of a police or military force unit.
• Travel or accommodations, except as explicitly described in the covered sections.
• Anything that happened in the US, except as described in the section called “Medical coverage during visits to your home country” or “[Add-on] Include coverage in the USA”.
• Anything that happened while you did not have an active insurance period.
• Claims made more than 60 days after the end date of your active insurance period.
• Any charges incurred when the purpose of your travel is to obtain medical or cosmetic treatment.
• Complications or consequences of treatment, illness or injury which was not covered on this insurance.
• Anything that is not described in the covered sections of this policy.

How to file a claim?

• Pay yourself and submit a claim for reimbursement on the SafetyWing website, or email [email protected] . Some claims require that you notify us beforehand, or that we arrange for the payment as described below.
• Reach out to our 24/7 assistance so we can arrange for the payment. This option is not available for all types of claims.

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Cancellations, how long or short can i buy this insurance for, when is my insurance active.

• By default your start date is set to the date you buy the insurance, and your insurance is activated the moment you receive your proof of insurance email after a purchase. If you buy our insurance with a start date in the future, your insurance is activated at 00:00 (12am) on that date in UTC timezone.
• You have to leave your home country before the insurance can be activated. If the start date is on the day you leave or earlier, your coverage is active from the moment you cross the border and leave your home country.
• There is limited coverage for a certain number of days for visits home. Read more under the section called "Medical coverage during visits to your home country". If you stay in your home country longer than the amount of days available for home country coverage, you will not have any coverage under this insurance until you leave your home country. Your coverage resumes when you leave your home country as long as you are still within your active insurance period.

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• Claim or Policy number (if applicable)
• As much information as possible on your dispute or complaint, including any prior responses from us on the issue

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8 Reasons to Use SafetyWing Travel Insurance

• Post author: Andy Korteling
• Post published: 13/09/2023
• Post last modified: 20/02/2024
• Post comments: 0 Comments

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Before Andy and I started our life of travel and living abroad, we had both “been around a bit”. Stop it! I didn’t mean it like that. I mean we had both travelled fairly extensively. Taking every opportunity to get out of England, we both ran off to various corners of the world for a week or two (or longer) at a time in search of sand, sea, sun, and adventure. So, along the way, we picked up our fair share of holiday-related stories.

On reflection, most of the stories are about the bad things that have happened. After all, no one is really interested in hearing that the beach was fantastic, the food great and the weather perfect on your recent week in Spain. They want to know about the lost passport, the pickpocket in the bus station, the terrible dose of the runs you got from the rat on a stick, and the day the hotel flooded.

Sounds dramatic but all of those things have actually happened personally to us at some point or other. And that was just on normal one or two-week holidays from work!

On longer trips, we have been on a boat that sunk, got caught in a typhoon, crashed in a taxi, nearly been wiped out in a tuk-tuk by a truck, almost died in an Airbnb fire, got sick, had flights delayed and cancelled and lost luggage. The most expensive was having to fly home from Mexico due to a family emergency. It’s all part of travelling and accepting there are risks involved, especially if you like to head more off the beaten track like us.

And that is why we have always made sure we are covered by insurance. You hope you never need it but are so thankful for it when you do.

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What you'll find in this post

SafetyWing Travel Insurance

We have recently become fans of SafetyWing travel insurance. And it’s not only us. After a few years of being abroad, you get to hear from many other people about their terrible travel tales and how their insurance companies dealt with them. SafetyWing often seems to come out on top when it comes to customer service and cover.

SafetyWing is a good travel insurance for short breaks and annual holidays. It offers great coverage at competitive prices. It is easy to get, just follow this link for the standard “Nomad Insurance Policy” . Not only is SafetyWing great for a normal holiday, or trip away. However, it really comes into its own when you need travel insurance for longer or indefinite trips.

Remote working as a digital nomad or location-independent freelancer presents the problem of finding adequate insurance. Most policies only cover you for a number of weeks per year away from home. They also need to purchase the cover from your own country and to return to your own country for a number of days between trips. That’s not very convenient if you are planning a two-year round-the-world cycling expedition or a six-month workcation in the Philippines. Even less convenient if you decide to spend another two years cycling back the way you came or decide to take another year-long contract in your new job. This is another area where SafetyWing travel insurance surpasses the competition.

What is SafetyWing?

In 2018 three remote workers (Sondre, Sarah and Hans) were staying in their friend’s place in Norway. One of them was working on the Norwegian social safety net system and had the idea of rolling the safety net system out into the remote working world. The eventual aim was to provide remote workers with the same level of security that the Norwegian government offers its citizens.  The first item on the agenda was health care. So, the first product they designed and launched was travel insurance that was suitable for short holidays and longer remote working trips.

The SafetyWing travel insurance proved deeply popular and now covers over 100,000 holidaymakers, travellers, and nomads in over 150 countries throughout the world. The co-founders are remote workers as are the majority of the staff team. This puts them in the unique position of truly understanding the nuances of customers’ situations as they, between them, have likely experienced similar situations. Empathy goes a long way when the person on the end of the phone is having a personal crisis!

SafetyWing Insurance Products

Over the past few years, SafetyWing has been so successful it has released more products aimed at the growing hoard of remote workers. It now offers three different types of cover designed specifically for slightly different groups. These are Nomad Insurance, Nomad Health, and Nomad Remote Health

SafetyWing Nomad Insurance

SafetyWing Nomad Insurance is the original product aimed at seasoned long-term digital nomads, remote workers and holidaymakers and alike. Based on traditional travel insurance it offers a general level of cover at a value-for-money price. It includes:

Medical Coverage for if you are in an accident or become ill and need medical treatment whilst out of your home country.

Travel Coverage for travel delay, lost checked luggage, emergency response, natural disasters, and personal liability.

CHECK OUT SAFETYWING NOMAD INSURANCE HERE

SafetyWing Nomad Health

This is a global health insurance designed specifically for remote workers and nomads. It’s a full-fledged health insurance that covers your medical needs worldwide, including in your country of residence.

This is a new product that is proving very popular with the new generation of remote workers. It offers two levels of cover. The standard is basic medical insurance. The Premium policy also gives you cover for eyesight, dental, vaccinations and maternity treatment.

CHECK OUT SAFETYWING NOMAD HEALTH HERE

SafetyWing Remote Health

So, your solopreneur enterprise has flourished, and you now need cover for your global remote nomadic workers. Look no further than the SafetyWing Remote Health package. It is designed especially so you can offer your team the reassurance and care they truly deserve. It gives them peace of mind and helps you protect your guys no matter on which rocky outcrop they decide to work from.

This is another new product that is bucking the trend and leading the way for remote teams. If you are self-employed, you can even buy it for yourself and your travelling family.

CHECK OUT SAFETYWING REMOTE HEALTH HERE

8 Reasons to Choose SafetyWing Travel Insurance

So, if you are not sold already then let’s dive deeper into the advantages of SafetyWing. Here are 8 reasons to choose SafetyWing travel insurance (even if you’re not a digital nomad or remote worker):

1. The Competitive Price

SafetyWing typically offers more affordable rates, especially for long-term travellers.

2. Flexibility

You can purchase or extend coverage at any time, even after you’ve started travelling.

3. Cover in Multiple Countries

One policy covers you in multiple countries, except for a few exceptions.

4. Coverage of Many Countries

Coverage extends to many countries, with exceptions mainly related to U.S. sanctions.

5. Monthly Payments

You can choose between fixed travel periods or automatic monthly renewal for up to 364 days.

6. Covers Visits Home

You’re covered for short visits to your home country during your travels.

7. Children Covered For Free

Two children under 10 per family can be included at no extra cost.

8. Sports Coverage

It includes coverage for most amateur/non-professional sports and activities.

This is the service that made SafetyWing famous.

GET A SAFETYWING QUOTE HERE

The Downfalls of SafetyWing Nomad Insurance

Nothing is perfect and everything is a compromise. There are of course things that could be improved with the SafetyWing travel insurance cover. So, let’s be honest and upfront and list some of them here. Read them carefully and think if they are a deal breaker for you. Most of these negative points are small and are aimed at reducing the cost of the cover for you.

• Deductible: There’s a $250 deductible for most medical expenses, once per policy period.
• Age Limitations: Coverage is available for individuals aged 15 days to 69 years old.
• No Gear and Electronics Cover: Loss or theft of electronics and gear are not covered.
• No Trip Cancellation Cover: Trip cancellations are not covered.
• Language Limitations: The website and support are available only in English.
• Minimum Coverage Period: A minimum of 5-day coverage is required.
• Purchases in USD Only: Payment can only be made in USD, potentially subjecting foreigners to additional taxes.
• No Promo Codes: As of now, SafetyWing travel insurance doesn’t offer promo or discount codes.

The main concern for Andy and I was the lack of gadget cover. This is not actually so much of an issue for us now as we have found separate cover for all my main devices. This is essential as they are, after all, the tools of our trade.

SafetyWing Travel Insurance Conclusion

SafetyWing travel insurance offers value-for-money, quality cover for both the most seasoned remote working nomad and the avid holidaymaker. Its popularity amongst “pro-travellers” is the biggest testament to its pedigree.

BUY SAFETYWING TRAVEL INSURANCE HERE

As with all insurance be sure to read the small print for SafetyWing travel insurance, ask questions to the provider and make sure the policy covers your exact situation. Make sure it also offers enough flexibility for you to change it should your situation change.

After all, it’s not unheard of for people to go on a week’s holiday and decide to stay a while longer, like a year or ten.

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Andy Korteling

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SafetyWing: A Review of an Upstart Travel Insurance Company

Budget travelers love saving money — myself included. But one of the expenses that we shouldn’t be cheap with is travel insurance .

After over 15 years of traveling the world, I still never leave home without it.

Because I’ve seen firsthand how useful it can be — and how much money it can save.

I’ve lost baggage, had my camera broken, and even needed emergency medical help over the years.

Travel insurance has been there for me each time. Not only has it saved me money but it’s provided me with peace of mind as I explore.

I’ve written extensively over the years about why you need insurance , how to pick the right company , and listed my preferred providers .

Today, I want to talk about my favorite travel insurance company: SafetyWing .

Table of Contents

Who is SafetyWing?

What does safetywing cover, what’s not covered, nomad health: coverage for digital nomads and long-term travelers, making a claim, a note about covid, pros and cons of safetywing, who is safetywing good — and not good for.

In 2018, a new insurance company emerged: SafetyWing . It is a fully remote Norwegian start-up based in California that focuses on coverage for budget travelers and digital nomads (though you don’t have to be either to get coverage). It is run by nomads and expats who know exactly what such travelers need.

SafetyWing offers basic insurance plans (called “Nomad Insurance”) for a fraction of what other companies charge, although they are also less comprehensive. To me, they are the best overall travel insurance company out there.

Their standard Nomad Insurance coverage costs just $56.28 USD for 4 weeks (for travelers aged 10-39). That’s one of the lowest prices out there for reliable travel insurance. Up until 2024, they also charged a $250 USD deductible when you make a claim. This deductible is no longer charged, which makes SafetyWing even more affordable.

Their coverage extends all the way to age 69, however, travelers aged 60-69 should expect to pay upwards of $196 USD per month for coverage.

And while their base price jumps to $104.44 USD for coverage if you include travel to the US (again for travelers aged 10-39), that’s still cheaper than a lot of the competition.

But is the coverage actually good? What about the customer service?

Today I want to review Safety Wing and talk about when it is — and isn’t — worth using so you can better prepare for your next trip and ensure you have the coverage you need.  

SafetyWing’s standard Nomad Insurance plan is the “Nomad” plan. It’s just $45.08 USD for four weeks of travel (outside the US). That works out to just $1.50 USD per day.

For travelers under age 64, that plan includes the following:

• $250,000 USD in emergency medical coverage
• $1,000 USD for emergency dental care
• $100,000 USD for medical evacuation ($25,000 USD if the cause of medical evacuation is acute onset of pre-existing condition)
• $10,000 USD for an evacuation due to political upheaval
• $5,000 USD for a trip interruption
• Up to $200 USD for a travel delay
• $12,500–25,000 USD for death or dismemberment
• $20,000 USD for repatriation of remains

Be sure to check the description of coverage for any conditions that apply.

SafetyWing covers the basics. Its $100,000 USD for medical evacuation is on the low end, but unless you’re heading out into the remote wilderness, that should be fine. (If you want higher coverage, get MedJet .)

Moreover, its travel-delay payout is pretty low, but airlines and most travel credit cards provide travel delay assistance too so you might not even need the coverage offered by SafetyWing. Additionally, it doesn’t really cover expensive electronics, which sucks if you have a pricey camera or video gear.

As with most standard travel insurance plans, this one doesn’t include pre-existing conditions or certain adventure sports, so it’s not a good policy if you’re going to do a lot of adventure activities on the road.

You can read their description of coverage here.  

Nomad Insurance is primarily geared towards covering medical emergencies and basic travel mishaps (like delays and lost luggage). Here are some things that aren’t covered:

• Alcohol- or drug-related incidents.
• Extreme sports & adventure activities (including boxing, ruby, parachuting, parasailing, whitewater rafting, bungee jumping, and more)
• Pre-existing conditions or general check-ups
• Trip cancellation
• Lost or stolen cash

In 2023, SafetyWing launched Nomad Health . It’s insurance for digital nomads, remote workers, and long-term travelers. This new plan offers a mix of the standard emergency coverage that we’ve been discussing above along with “regular” health care coverage, such as routine visits and preventive care.

Nomad health also offers coverage in 175 countries, includes wellness benefits, mental health care, and the ability for individuals choose their own doctor while traveling.

It’s like the kind of health insurance you’d find in your home country, ensuring that you’re looked after no matter what happens while you’re abroad.

Nomad Health has three tiers: Standard, Premium, and Premium Plus, with the premium tiers offering a few extra perks. You can learn more and compare the plans here .

If you’re just heading out for a couple weeks or a couple months, SafetyWing’s Nomad Insurance is the option for you. It’s perfect for emergencies, is super affordable, and is designed for budget travelers.

However, if you’re going to be working abroad or traveling for months (or years), then their new Nomad Health plan is the better option. It offers much more coverage while still being affordable (prices start at just $125 USD per month). In fact, it’s the plan I wish I had when I started traveling!  

SafetyWing makes it easy to file a claim through their online portal. You just upload all the required documents, screenshots, and photos, and wait to hear back. While claims can take up to 45 business days, most are handled in less than a week (as of writing, the average wait time is four days).

If you read the reviews online, most people who had a negative experience either didn’t know about the deductible (SafetyWing has since removed their deductible as of 2024) or hated the length of time it took to get paid. But that’s pretty normal for people to complain about.

On the plus side, as of 2024, SafetyWing’s average time to handle a claim is down to just four days. That’s way faster than most companies!  

SafetyWing does include coverage for COVID-19. As long as the virus was not contracted before your plan starts, then it will be covered (as long as it is medically necessary).

SafetyWing also covers quarantine costs (outside your home country) for up to $50 USD/day for 10 days (provided that you’ve had your plan for at least 28 days).  

Here’s a look that he pros and cons of SafetyWing at a glance to help you decide if it’s the best insurance provider for you and your trip:

SafetyWing is designed as mainly medical coverage. Since SafetyWing is designed for the budget-conscious digital nomad, it doesn’t cover some areas that might be more of a priority for a shorter-term traveler. Here’s a quick chart to help you decide if SafetyWing is right for you:

Travel insurance is something I never leave home without. I know it’s a boring topic to read about and research, but it can literally save you hundreds or thousands of dollars in bills! I never, ever leave home without it. You shouldn’t either.

So, the next time, you’re on the road, consider SafetyWing . To me, they are the best travel insurance company out there for budget travelers.

You can use the booking widget below to get a quote (it’s free):

For a comparison with other travel insurance companies, check out this post that lists my five favorite travel insurance companies , along with their pros and cons.

Book Your Trip: Logistical Tips and Tricks

Book Your Flight Find a cheap flight by using Skyscanner . It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.

Book Your Accommodation You can book your hostel with Hostelworld . If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and hotels.

Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:

• SafetyWing (best for everyone)
• Insure My Trip (for those 70 and over)
• Medjet (for additional evacuation coverage)

Want to Travel for Free? Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out my guide to picking the right card and my current favorites to get started and see the latest best deals.

Need Help Finding Activities for Your Trip? Get Your Guide is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.

Ready to Book Your Trip? Check out my resource page for the best companies to use when you travel. I list all the ones I use when I travel. They are the best in class and you can’t go wrong using them on your trip.

Got a comment on this article? Join the conversation on Facebook , Instagram , or Twitter and share your thoughts!

Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission if you make a purchase. I recommend only products and companies I use and the income goes to keeping the site community supported and ad free.

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Travelsure Protection Plan

Multiple coverage protection to safeguard your trip.

Special notice about Hang Seng Bank’s bancassurance partnership A new insurance partnership between Hang Seng Bank Limited and Chubb Insurance Hong Kong Limited came into effect on 10 July 2023 and the insurance partnership with QBE General Insurance (Hong Kong) Limited (“QBE”) has ended on 9 July 2023. Any policies issued by QBE expiring on or after 9 July 2023 will not be renewed. You can review your insurance coverage before the expiration of policy to make sure you have a timely replacement. View arrangement details

Flash trip to China? Travelsure Protection Plan (Single Trip Cover) provides the medical expenses coverage during your trip. Premium from HKD41/day.

Plan overview

Travelsure Protection Plan (“Travel Insurance”) offers Single Trip Cover, Annual Global Cover and Annual China Cover to meet your different travel insurance needs. It also offers various protection, including trip cancellation or delay, participating in winter or water sports and more.

This Travel Insurance is underwritten by Chubb Insurance Hong Kong Limited ("Chubb"). 

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Key features

Up to hkd1,000,000 medical and personal accident coverage.

This Travel Insurance covers the medical expenses and emergency assistance arising from sickness or accident during the trip, include:

• Overseas Hospital Admission Deposit up to HKD20,000 (under Chubb Assistance – 24 Hour Worldwide Assistance Services)
• Hospital Cash benefit for hospitalisation due to Bodily Injury or Sickness (not applicable to Annual China Cover Basic Plan)
• Follow-up Medical Expenses up to 90 days after return to Hong Kong, for the treatment of the same Bodily Injury or Sickness arose during the trip
• Expenses for Trauma Counselling within 90 days from the occurrence of a traumatic event, when the Insured is the victim and sustains Bodily Injury due to that traumatic event
• Expenses for Mobility Extension for the equipment and installation/modification if the Insured sustains Permanent Total Disability arising from Bodily Injury during the trip
• Hotel accommodation and transport expenses provided that the Insured Person is recommended by Physician to convalesce immediately before continuing with the Journey after hospital confinement overseas and the original scheduled ticket is forfeited
• Transport and escort services expenses for the escorting the child back to Hong Kong, and Compassionate Visit expenses covering the transport and accommodation expenses for visiting the Insured Person who is unfit to travel, endangered or suffers from death due to Bodily Injury or Sickness (under Chubb Assistance – 24 Hour Worldwide Assistance Services)
• Accidental death, loss of limb(s), eyesight, hearing, speech or Permanent Total Disability and
• Compassionate Death Cash for sustaining Bodily Injury on the Journey leading to Accidental death or Sickness leading to death within 12 months

Up to HKD3,000 loss of Personal Cash & HKD10,000 Travel Documents coverage

This Travel Insurance covers (not applicable to Annual China Cover Basic Plan):

• Loss of cash, banknotes or cheques (excluding digital currency); and
• Replacement cost of travel documents and/or travel tickets; and
• Additional transport and/or accommodation expenses for arranging the replacement travel documents and/or travel tickets

Up to HKD50,000 Credit Card Protection (Hang Seng Credit Card exclusive)

Within the 12 months following Bodily Injury during the Journey causing Accidental death or Permanent Total Disability, this policy will reimburse the Hang Seng Credit Card bill of the Insured Person spent at the date of the accident, including credit card interest and charges at the date of the accident. The premium of this policy must be paid with the Hang Seng Credit Card of the Insured Person.

Up to HKD15,000 Personal Property coverage

This Travel Insurance covers the loss, theft or damage to your personal belongings during the trip, including baggage, laptop, mobile phone (20% excess is applied), etc. Losses must be reported to the police within 24 hours and written police report is required. For losses occurred in transport, the Public transport Carrier must be notified and written report is required.

Up to HKD1,000 Baggage Delay coverage

This coverage (applicable to Single Trip Standard Plan / Annual Global Plan only) includes the cost of purchasing essential toiletries and clothing when checked-in baggage is delayed, misdirected or temporarily misplaced by a Public Transport Carrier for at least 10 consecutive hours from the time of arrival at destination's transport terminal.

Up to HKD30,000 Trip Cancellation and Curtailment coverage

This Travel Insurance (not applicable to Annual China Cover Basic Plan) offers reimbursement of the pre-paid and unused tour or transportation fare, accommodation deposit and / or cost of admission ticket to major sporting event, musical concert, museum or theme park arising from trip cancellation and/or curtailment due to specific events.

Up to HKD2,000 Travel Delay or HKD10,000 Re-routing coverage

This Travel Insurance plan covers (not applicable to Annual China Cover Basic Plan and only one of the compensations is available):

Travel delay

• Cash Benefit for the first 6 hours and every 8 hours of travel delay; or
• Reimbursement for the additional or forfeited accommodation expenses outside Hong Kong if the delay exceeds 24 consecutive hours

Re-routing In the event of delay of a Public Transport for at least 8 consecutive hours or the unexpected issuance of Black Alert at the destination after commencement of the journey, and the journey has to be re-routed, this insurance will cover:

• The lost transport and/or accommodation expenses paid in advance or forfeited by the Insured Person after departing from Hong Kong; or
• Reasonable additional transport and/or accommodation incurred by an Insured Person to enable him or her to arrive at their scheduled destination
• Re-routing due to Black Alert is not covered in Annual China Cover Standard Plan

Up to HKD5,000 Rental Vehicle Excess coverage

This coverage (applicable to Single Trip / Annual Global Plan only) includes reimburse the insurance excess that is legally liable to be paid by the Insured Person, due to the loss or damage to a rental vehicle caused by an accident while under the Insured Person's control during the Journey.

Coverage overview

Mainland China and Macau - Basic Plan

Asia [1] and worldwide - Standard Plan

Not Applicable 

Not Applicable

Global Cover

China Cover - Basic Plan

China Cover - Standard Plan

5,000 (20% excess is applicable for each and every Mobile Phone claim)

Note(s): The information above is for reference only, you can refer to the plan coverage and Policy Wording for details.

Product information

Eligibility, travelsure protection plan - single trip coverage.

Ms. Leung slipped in the lift lobby at the hotel while she was staying in Korea.

Before the trip

She applied for Travelsure Protection Plan  – Single Trip Coverage

Upon hospital admission in Korea

• Her travel companion called the Chubb Assistance hotline to refer and arrange for a translator to communicate with the doctor, as they did not speak Korean
• It was diagnosed that her injury was rather severe
• The doctor advised her to get back to Hong Kong for immediate medical treatment
• The Chubb Assistance team then arranged medical repatriation for her, including the ambulance and flight arrangements back to Hong Kong

When waiting for the flight back to Hong Kong at the airport

Her mobile phone and tablet computer were stolen

When the insurance is claimed

Ms. Leung successfully claimed the following losses:

• Medical expenses in Korea
• Non-refundable prepaid cost of Booked Holidays arising from the trip curtailment
• Extra travelling expenses for medical repatriation
• Follow up medical treatment in Hong Kong
• The loss of her mobile phone and tablet computer

Total compensated amount: HKD 81,000

TravelSure Protection Plan - Annual Global Coverage

Ms. Chau was about to take off for a trip, but had to cancel due to the sudden death of an immediate family member from an acute disease.

She applied for Travelsure Protection Plan – Annual Global Coverage

Before the take off for the trip

She suffered the loss of a loved one, and her travel plan was disrupted and cancelled

She was fully compensated for the non-refundable prepaid costs of the air tickets and hotel accommodation

Total compensated amount: HKD 21,000

The payment was directly credited through autopay into her designated bank account

• This Policy is only valid for travels originating from Hong Kong
• The insured age of the Single Trip Coverage has no upper limit; the Annual Trip Coverage is only available to those under 75 years old (at the policy effective date)

Popular questions

No, customers must purchase Travelsure Protection Plan prior to your departure from Hong Kong.

Yes, Travelsure Protection Plan provides cover for business travel (limited to administrative, clerical and non-manual works only).

No. Travelsure Protection Plan does not cover injury or death caused by any labour work. So you should approach the insurer who issued your helper's employee insurance for an extension of the protection to overseas work.

Yes, Travel Insurance is designed for people going abroad as a visitor for leisure or on business trips. The scope of coverage is different from a life insurance plan.

Application

Single trip cover: there is no age limit. Annual cover: The Insured Person(s) must be between 18 to 74 years old, while child(ren) must be under 18 years old (at the policy Commencement Date or Renewal Date). Point to note when applying for child(ren) under 18 years old who do(es) not travel with parent:

• Please select "Friends/relatives" to proceed online application.

No. The travel warning issued by the World Health Organisation against a certain country or region shall have no bearing upon the protection provided by this plan. However, it is suggested that an insured should closely observe the development of the relevant situation as any orders promulgated subsequently by the government may affect the insured's journey and the protection under this plan.

Coverage related

Annual Coverage:

The insurance period of annual coverage is 1 year from the policy effective or renewal date.

Maximum coverage period for each journey (there is no limit on the number of journeys during the insurance period) is the earliest of:

• up to 60 days (inclusive of the date of departure); or
• 3 hours after the Insured Person passed through Hong Kong immigration control point on their return to Hong Kong; or
• At the end of the Period of Insurance

The maximum insurance period of single trip coverage is 6 months.

Under Basic Plan of the Annual China Cover, if the Insured Person sustains bodily injury caused by an assault during a robbery while traveling in mainland China (excluding Hong Kong SAR) or Macau SAR, which leads to death or permanent disability, the original Personal Accident benefit of HKD200,000 will be doubled to HKD400,000.

Insured Person can enjoy policy benefits under issuance of "Black Alert" or "Red Alert" in the planned destination:

(Applicable to Single Trip Coverage and Annual Global Coverage only) Before the trip:

• Trip Cancellation benefit up to HKD30,000

During the trip:

• Trip Curtailment benefit up to HKD30,000 ; or
• Re-routing (Black Alert only) up to HKD10,000; and
• Free 10-day policy extension

For "Black Alert", the Insured Person can be reimbursed the relevant loss up to the maximum Sum Insured. For "Red Alert", reimbursement will be up to 50% of the relevant loss and the maximum Sum Insured.

As long as the condition is covered under the policy, you can enjoy the insurance protection when admitted to non-designated hospitals outside the hospital list. But, please note that the guarantee of hospital admittance deposit in the case for admission to non-designated hospitals is up to HKD20,000. You must also obtain the original copy of the hospital or medical receipt with the diagnosis certified by the attending doctor and settle such medical expenses first. And then file a claim when you return to Hong Kong.

The China Emergency Card is applicable to hospital admission only. If you only visit an out-patient clinic, you need to pay the consultation fee, get a receipt and medical certificate, and then file a claim when you return to Hong Kong. Make sure the medical practitioner treating you is licensed by the competent medical authorities.

Emergency assistance and China Emergency Card

If you need any emergency assistance during your trip, please call our Chubb Assistance – 24 Hour Emergency Assistance Hotline at (852) 3723 3030 .

You'll receive an email from Chubb with instructions on how to get your China Emergency Card and how to add the Card to your Apple Wallet or Android PassWallet.

In such event, you should:

• Check the hospital list   and call the Chubb 24-Hour Emergency Hotline at (852) 3723 3030 for assistance.
• Chubb Assistance China Emergency Card
• Travel document, e.g. Re-entry Permit, HKID or Passport
• Keep all hospital receipts and pass them onto Chubb Insurance Hong Kong Limited for claims handling within 30 days after you are discharged

All information provided on the hospital list is subject to change without prior notice. Please contact the 24-hour Chubb Emergency Hotline for assistance.

For cases involving hospitalisation, you must present the China Emergency Card to be eligible for the fast-track admission service. Otherwise you will have to pay the expenses first and then file a claim or contact our 24-hour emergency service for assistance.

Yes, all you need to do is just re-install the China Emergency Card to the original or new mobile device. There is no card replacement cost. 

Managing policy

No, application for the Travelsure Protection Plan for the purpose of emigration will not be accepted and the policy will become invalid when you emigrate to an overseas country or territory.

Prior to the expiry date of the policy, you can call the Customer Services Hotline at  (852) 3191 6668 (Mondays to Fridays, 9 a.m. to 5:30 p.m., closed on Saturdays, Sundays and Public Holidays) to apply for a policy extension. Chubb Team will review and process the policy extension request. The policy will only be effective when such application has been approved and the premium for the extended period has been paid.

To ensure a continuous coverage, your policy will be renewed automatically upon the expiry date for 1 year and the annual premium will be debited from the credit card provided. The renewal insurability is subject to the terms and conditions in the renewal notice and policy wording. If you do not wish to renew the policy, you should notify Chubb after receiving the renewal notice.

No, you should submit your claim to the Travel Industry Compensation Fund for compensation.

No, cancellation of the journey as a result of administration arrangements of the travel agency are not covered by the Travel Insurance.

In the event of trip cancellation due to unexpected outbreak of natural disaster (such as landslide, earthquake, volcanic eruption, tsunami, typhoon or hurricane) at the scheduled destination arising within 7 days before the departure date of the journey, the Travel Insurance will pay the Insured Person the Booked Holidays forfeited.

Such coverage is not applicable to Annual China Cover - Basic Plan.

Make a claim

Claim procedures.

Find details on how to submit your claim and more.

Download form

You can find all forms and documents here for our insurance policies.

Useful information

• Plan Coverage
• Plan premium
• Declaration (Single Trip Cover)
• Declaration (Annual China Cover/Annual Global Cover)
• Policy Wording(Single Trip Cover)
• Policy Wording (Annual China Cover)
• Policy Wording (Annual Global Cover)
• Hospital List & Contact Number [for Annual China cover ONLY]
• Outbound Travel Alert (OTA) currently in force

Need more help?

Call us for enquiry.

(852) 29989888

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Other point(s) to note.

• The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank Limited ("Hang Seng Bank") is registered as an insurance agency by the Insurance Authority (License No.: FA3168) and authorised by Chubb for distribution of this Plan. This Plan is a product of Chubb and not Hang Seng Bank. Upon application to this Plan, insurance premium will be payable to Chubb, and Chubb will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.
• In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the insurance product, underwriting, claims and policy service should be resolved directly between Chubb and the customer.
• The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions and details of the exclusions.
• Including mainland China, Bangladesh, Brunei, Cambodia, Guam, India, Indonesia, Japan, Korea, Laos, Macau SAR, Malaysia, Mongolia, Myanmar, Nepal, Pakistan, Philippines, Saipan, Singapore, Taiwan, Thailand, Tinian and Vietnam.
• Terms and Conditions apply.