2024’s ultimate review of SafetyWing Travel Insurance. The innovative travel medical insurance called SafetyWing is made specifically for nomads. It gives you great benefits when you are outside of your home country and covers you everywhere. Think about using SafetyWing if you travel internationally often and don’t want to worry about getting sick or hurt while you’re away from home.
You will learn everything there is to know about SafetyWing long-term travel insurance in this review and decide if it is right for you. They concentrate on “Nomad Insurance,” the company’s most popular plan, but we’ve also included a section where you can look at the other offerings. But let’s begin by defining what SafetyWing is.
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Why Travel Insurance?
Travelers love saving money. However, one cost that we shouldn’t save on is travel insurance.
I’ve been traveling for more than 15 years, and I’ve never left home without it.
Why?
I know how helpful it can be and how much money it can save since I’ve experienced it firsthand.
Each time, travel insurance has come through for me. It has not only allowed me to save money, but it has also given me confidence as I travel.
If you want to learn more about SafetyWing Travel Insurance this review is for you, if you need to weigh your options you should check out our comprehensive article breaking down the Top 5 Travel Insurance Companies In 2024.
What is SafetyWing?
SafetyWing is a Norwegian startup company based in California. Long-term travel and coverage for digital nomads are its specialties. The SafetyWing’s creators are nomads themselves, so they have a thorough understanding of what customers want. Although they offer less coverage than the majority of travel insurance providers, their pricing is much more affordable, which makes them quite alluring.
Note: Tokio Marine HCC, a worldwide specialized insurance firm, provides SafetyWing’s policies.
What is SafetyWing Nomad Insurance?
SafetyWing Nomad Insurance offers global medical travel insurance. This is also its most popular insurance plan. It can be bought on the go, covers trips made from home, and works just like a monthly subscription. It is specifically made to provide travel and medical advantages.
Instead of offering comprehensive insurance packages, SafetyWing Nomad Insurance concentrates on emergency medical care.
The Benefits of Safety Nomad Wing Insurance
It is possible to get SafetyWing Nomad Insurance after you have left your home country, which is only one of its many advantages.
Every four weeks, you will be billed. You are not required to get coverage for the entire year.
Even without a return ticket, you are still able to register.
It includes outdoor activities (be sure to check with SafetyWing’s activity guidelines, there are some activities and sports not covered under their policies).
The use of a scooter or motorcycle is also covered.
Its coverage is global; therefore, you are not required to pick a specific area.
The pricing structure is open and clear.
Your children under the age of 10 may qualify for free coverage.
The Importance of SafetyWing Nomad Insurance
If you plan to go abroad, it’s very important that your health insurance cover any unexpected medical costs. It is important to take care of yourself in case something goes wrong on vacation, like getting sick or hurt.
This is why we recommend SafetyWing Nomad Healthcare Services to anyone who wants to keep their travel costs from getting too high. Nomad insurance is thought to be applicable for costs like ambulances, prescription drugs, and doctor and hospital expenses.
Costs of SafetyWing Nomad Insurance
A 4-week SafetyWing Nomad Insurance plan costs $42 (as of December 2022). The price increases to $76.72 if the US is included in the plan.
SafetyWing provides an easy-to-understand price structure. There are only two factors to consider: your age, which affects the price, and whether you want travel insurance coverage while in the US (which adds an extra $34 every four weeks)
SafetyWing provides an easy-to-understand price structure. There are only two factors to consider: your age, which affects the price, and whether you want travel insurance coverage while in the US (which adds an extra $34 every four weeks).
Everyone aged 10 to 39 is covered by the regular coverage, which is $42 per month (4 weeks) and is automatically paid until canceled. Until you cancel or after 364 days have elapsed when they need to be renewed, you will be charged a monthly fee every 28 days.
Check out how much your policy will cost
The price increases significantly as you age.
If you’re going to travel for less than 28 days or would prefer to pay in advance for a longer trip, you may also choose your travel dates (from 5 days to 364 days) and pay a one-time cost.
The SafetyWing calculator shows the price based on your location, age, and trip dates, among other things.
Everyone has access to safety and security through SafetyWing, except those over the age of 70.
What Does SafetyWing Nomad Insurance Cover?
You have the necessary protection with the SafetyWing for any journey. There won’t be any surprises because we’ll go over the coverage in detail below.
Who’s eligible for SafetyWing Nomad Insurance?
To meet every demand, SafetyWing provides a comprehensive selection of travel insurance packages. They will provide insurance to everyone worldwide, with the exception of people whose home countries are Iran, Syria, and North Korea, as well as Cuban citizens.
Countries Covered
Almost every country on the planet is covered by SafetyWing travel insurance, making it simple and affordable. They only refuse to provide their services to Iran, Syria, Cuba, and North Korea. Cuba is accessible to US citizens who have permission from the US government, nonetheless.
As with other travel insurance policies, you are not required to identify the nations you plan to visit in advance. The only decision to be made is whether or not to include the United States, which significantly raises the price. Also, it doesn’t cover kidnappings or explicit kidnappings that happen in Iraq, Syria, Venezuela, Afghanistan, Nigeria, Pakistan, Somalia, or any other country where doing business is illegal because of sanctions put in place by the US Treasury Department’s Office of Foreign Assets Control (OFAC).
Activities Covered
Before participating in any sports or activities, it’s crucial to review SafetyWing’s Nomad Insurance coverage, because it covers a wide range of common activities, but does not cover many “higher-risk” activities.
It’s also important to note that they cover activities like skiing and snowboarding, which are well-liked winter sports and typically cost more with other travel insurance companies.
Note: Please be aware that SafetyWing travel insurance does not cover organized or professional sports.
Deductible and Maximum Payout
SafetyWing offers a maximum payout of $250,000 ($100,000 for people 65 years of age and older). You must pay a $250 deductible or excess if you file a claim; this is the cost you’ll be responsible for.
You have an accident and your medical expenses total $500, for example, you are responsible for the first $250 and SafetyWing will pay the remaining $250.
If you have another accident or get sick within a year of starting your policy, SafetyWing will cover you completely because you’ve already been covered by them.
If there is no deductible associated with it, they will pay the full sum as long as it has been paid in advance. There are several exceptions; for example, there are no deductibles for emergency dental care and medical evacuation.
Medical
If you want to feel sure about your medical care, SafetyWing Nomad Insurance is exactly what you need. This insurance will pay for all emergency medical costs, like ambulances, drugs, and doctor and hospital bills, without breaking the bank.
With SafetyWing travel insurance, you can be ready for almost any emergency that could happen on your trip. They cover medical evacuation and dental care costs up to $1,000 without a deductible. They also have a maximum payout of $100,000 that is not taxed when the insured person gets it.
Routine exams, preventative care, and cancer treatment may not be covered. But you do have some coverage for pre-existing conditions that show up suddenly, as long as they don’t meet the criteria for being long-term or born with.
Luggage
The SafetyWing coverage does not cover electronics or lost or stolen luggage. However, they will pay you $500 for any products that are damaged or destroyed, and they will cover any lost checked bags up to a maximum of $3,000 each certificate period.
Additional coverage offered by SafetyWing;
- Travel delay: In the event of an unplanned overnight stay, you may be entitled to reimbursement of up to $100 per day (up to a maximum of two days) if your flight is delayed for more than 12 hours.
- Maximum personal responsibility of $25,000.
- Up to $5,000 for a trip interruption. This covers a flight home if you have to end your trip due to the passing of a close relative, the destruction of your primary residence, or the need for an emergency medical evacuation.
- Disaster: covers $100 per day for five nights in a new location
- Death & dismemberment by accident: $12,500 to $25,000
- After an emergency medical evacuation, up to $50,000 will be provided for one close relative’s travel, housing, and meals to visit you (maximum 15 days)
- Political evacuation: If the U.S. Department of State issues a level 3 or level 4 travel warning after you arrive in the country, you may be able to get up to $10,000 in transportation help for the rest of your life.
COVID-19 Coverage with SafetyWing Travel Insurance
You must be asking if COVID-19 is covered by SafetyWing. So let us put your uncertainty to rest: coronavirus coverage is provided (COVID 19).
According to SafetyWing, “Coverage is the same as for any other illness, as long as you didn’t get it before your coverage started and it didn’t violate any other policy exclusions or restrictions.” Testing for COVID-19 is not covered unless a doctor deems it urgently essential. Since a doctor does not deem the antibody test to be vital, it is not covered.
SafetyWing will pay for up to 10 days of quarantine for $50 per day if you get sick while traveling and need to be isolated from other people. However, you must be outside of your home country; an authority must order your quarantine; and your Nomad Insurance coverage must last at least 28 days.
Signing Up For SafetyWing Nomad Insurance
You can sign up for SafetyWing travel insurance in three easy steps:
One → Create an account with SafetyWing. Select an email address and password (you can use Facebook’s login as well) and create a SafetyWing account on their website. Next, enter your birthdate, home country, and address information. You can choose when your coverage will start and if you will be traveling to the US to activate your policy. You could also include friends or relatives in your plan.
Two → Select a policy. Unless you specifically select your travel dates and pay in advance, you can use your debit or credit card and be charged every four weeks.
Three → You can cancel at any time. You can easily cancel at any moment with just one click, and you’ll be covered up until the day you make your final payment.
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Submitting a Claim with SafetyWing
You can follow the instructions by selecting “Make a Claim” from the dropdown menu under “My Profile” on the SafetyWing website. Fill out the claims form (which can be done electronically) and upload it, along with pictures of the receipts, to the Tokio Marine web portal.
Drawbacks of SafetyWing Travel Insurance
Some potential improvements to SafetyWing include the following:
- No coverage for lost luggage (unless checked)
- low maximum payouts
- Activities and sports are limited (check their website for specific activities)
- Pre-existing conditions are not included
- Individuals age 70 and over are not eligible
- The premium increase with your age
- It doesn’t include North Korea, Cuba, Iran, or Syria
- They do not insure electronics
SafetyWing Travel Insurance Reviews
As of December 2022, SafetyWing’s TrustPilot rating is 4.4/5, which is an excellent rating. Customers enjoy the service’s efficiency and customer service the most.
“After 6 years of traveling all over the world and visiting over 136 countries in 7 continents, we eventually found ourselves in a situation where we really needed our travel insurance! Throughout the whole process, I was always able to speak to someone in the emergency team and they dealt directly with the hospital to send the Guarantees of Payment so that treatment would not be delayed. We know that it would easily have been over £10,000.” – Kach & Jonathan, Two Monkeys Travel Group
“My recent dengue fever adventure resulted in a $4000 hospital bill, thankfully taken care of by SafetyWing ← highly recommended.” – Niall, eBiz Facts
“I got severely sick in Bali when I got the Measles in combination with Pneumonia. My health situation got so serious that I had to get hospitalized. Luckily Nelly signed us up for SafetyWing, the Travel Medical Insurance, before our trip. This was definitely a life saver considering the circumstances.” – Nelly & Mike, The Making It Happen Vlog
SafetyWing’s Other Product Offers
Remote Health for Remote Teams: This package is suitable for entrepreneurs and remote teams. It gives businesses in remote places a simple, flexible solution that no insurance company has ever offered before. What’s best? No matter where you go in the world, you can still purchase it.
Remote Health for Individuals: If you’re looking for comprehensive health insurance that also covers you in your home country, check out the Remote Health for Individuals plan. The first month’s payment is $206.
Is SafetyWing Travel Insurance a Good Investment?
SafetyWing loves to utilize the word “innovation” when describing its goods. The company utilizes an easy to use software system and is very accessible. A completely remote crew of nomads develops and produces the company’s products. We consider it quite important because they are aware of what a digital nomad requires.
Therefore, the answer to that query is undoubtedly yes. SafetyWing travel medical insurance is best suited for long-term and digital nomad travelers. It’s adaptable, inexpensive to start, and simple to sign up for.
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