Safety Wing Review (Updated 2025)

Funds vacationers love saving cash — myself included. However one of many bills that we shouldn’t be low-cost with is journey insurance coverage.

After over 17 years of touring the world, I nonetheless by no means depart house with out it.

Why?

As a result of I’ve seen firsthand how helpful it may be — and the way a lot cash it could save.

I’ve misplaced baggage, had my digicam damaged, and even wanted emergency medical assist through the years.

Journey insurance coverage has been there for me every time. Not solely has it saved me cash however it’s supplied me with peace of thoughts as I discover.

I’ve written extensively through the years about why you want insurance coverage, the way to decide the fitting firm, and listed my most well-liked suppliers.

At the moment, I wish to discuss my favourite journey insurance coverage firm: SafetyWing.

Who’s SafetyWing?

SafetyWing is an insurance coverage firm that focuses on inexpensive protection for price range vacationers and digital nomads (although you don’t need to be both to get protection). It’s run by nomads and expats who know precisely what such vacationers want.

SafetyWing presents fundamental insurance policy (referred to as “Nomad Important”) for a fraction of what different firms cost, though they’re additionally much less complete. To me, they’re the most effective total journey insurance coverage firm on the market.

Their normal Nomad Insurance coverage protection prices simply $56.28 USD for 4 weeks (for vacationers aged 10-39). That’s one of many lowest costs on the market for dependable journey insurance coverage. They’re tremendous aggressive in terms of value.

Their protection extends all the way in which to age 69, nonetheless, vacationers aged 60-69 ought to count on to pay upwards of $196 USD monthly for protection. Nonetheless very affordable, to be sincere.

However is the protection truly good? What concerning the customer support?

At the moment I wish to evaluation Security Wing and discuss when it’s — and isn’t — value utilizing so you’ll be able to higher put together on your subsequent journey and guarantee you may have the protection you want.
 

What Does SafetyWing Cowl?

SafetyWing’s normal Nomad Insurance coverage plan is the Important plan. It’s simply $56.28 USD for 4 weeks of journey (outdoors the US). That works out to only $1.87 USD per day!

For vacationers underneath age 64, that plan contains the next:

• $250,000 USD in emergency medical protection
• $1,000 USD for emergency dental care
• $100,000 USD for medical evacuation ($25,000 USD if the reason for medical evacuation is acute onset of pre-existing situation)
• $10,000 USD for an evacuation on account of political upheaval
• $5,000 USD for a visit interruption
• As much as $100 a day after a 12-hour delay interval requiring an unplanned in a single day keep. Topic to a most of two days.
• $12,500–25,000 USD for loss of life or dismemberment
• $20,000 USD for repatriation of stays

Make sure to examine the outline of protection for any situations that apply.

Its $100,000 USD for medical evacuation is on the low finish, however except you’re heading out into the distant wilderness, that needs to be tremendous. (If you would like greater protection, get MedJet.)

Its travel-delay payout is fairly low, however airways and most journey bank cards present journey delay help too so that you won’t even want the protection provided by SafetyWing. Moreover, it doesn’t actually cowl costly electronics, which sucks when you’ve got an expensive digicam or video gear.

As with most traditional journey insurance policy, this one doesn’t embody pre-existing situations or sure journey sports activities, so it’s not a very good coverage in case you’re going to do quite a lot of journey actions on the street.

They do supply a pair useful add-ons that I believe quite a lot of vacationers will respect, together with protection for journey actions and electronics theft. That signifies that in case you want the protection, you’ll be able to pay further for it. Nevertheless, in case you don’t want it you then don’t need to pay for it, conserving your prices low. I respect that, as somebody who all the time wants digital protection however who by no means wants journey exercise protection (I’m not an enormous adrenaline junkie).
 

What’s Not Lined?

The Important plan is primarily geared in direction of masking medical emergencies and fundamental journey mishaps (like delays and misplaced baggage). Listed below are some issues that aren’t lined:

• Alcohol- or drug-related incidents.
• Excessive sports activities & journey actions (except you buy the journey sports activities add-on, which is out there for non-US residents)
• Pre-existing situations or common check-ups
• Journey cancellation
• Misplaced or stolen money

Nomad Full: Protection for Digital Nomads and Lengthy-Time period Vacationers

In 2023, SafetyWing launched Nomad Health (now referred to as their “Full” plan). It’s insurance coverage for digital nomads, distant staff, and long-term vacationers. This new plan presents a mixture of the usual emergency protection that we’ve been discussing above together with “common” well being care protection, similar to routine visits and preventive care.

The Full plan additionally presents protection in 175 international locations, contains wellness advantages, psychological well being care, and the power for people to decide on their very own physician whereas touring. They are going to be increasing protection too, together with an add-on for “electronics theft” (which, as somebody who has been robbed whereas touring, I believe is a superb concept).

It’s just like the type of medical health insurance you’d discover in your house nation, guaranteeing that you simply’re sorted it doesn’t matter what occurs whilst you’re overseas.

You possibly can study extra and examine the plans here.

In case you’re simply heading out for a pair weeks or a pair months, SafetyWing’s Important plan is the choice for you. It’s excellent for emergencies, is tremendous inexpensive, and is designed for price range vacationers. It’s the plan I take advantage of once I journey today.

Nevertheless, in case you’re going to be working overseas or touring for months (or years), then their new Complete plan is the higher possibility. It presents rather more protection whereas nonetheless being inexpensive. In actual fact, it’s the plan I want I had once I began touring long-term!

You possibly can study extra concerning the Full plan in my devoted evaluation.

Making a Declare

SafetyWing makes it simple to file a declare by way of their on-line portal. You simply add all of the required paperwork, screenshots, and images, and wait to listen to again. Whereas claims can take as much as 45 enterprise days, most are dealt with in lower than every week (as of writing, the typical wait time is 4 days).

In case you learn the opinions on-line, most individuals who had a unfavorable expertise both didn’t know concerning the deductible (SafetyWing eliminated their deductible for non-US residents as of 2024) or hated the size of time it took to receives a commission. However that’s fairly regular for individuals to complain about.

On the plus facet, SafetyWing’s common time to deal with a declare is down to only 4 days. That’s approach quicker than most firms!
 

A Observe About COVID

SafetyWing does embody protection for COVID-19. So long as the virus was not contracted earlier than your plan begins, then it is going to be lined (so long as it’s medically mandatory).

SafetyWing additionally covers quarantine prices (outdoors your property nation) for as much as $50 USD/day for 10 days (supplied that you simply’ve had your plan for a minimum of 28 days).
 

Execs and Cons of SafetyWing

Right here’s a glance that the professionals and cons of SafetyWing at a look that can assist you determine if it’s the most effective insurance coverage supplier for you and your journey:

Who’s SafetyWing Good — and Not Good For?

SafetyWing is designed as primarily medical protection. Since SafetyWing is designed for the budget-conscious digital nomad, it doesn’t cowl some areas that is likely to be extra of a precedence for a shorter-term traveler. Right here’s a fast chart that can assist you determine if SafetyWing is best for you:

Journey insurance coverage is one thing I by no means depart house with out. I do know it’s a boring matter to examine and analysis, however it could actually prevent tons of or 1000’s of {dollars} in payments! I by no means, ever depart house with out it. You shouldn’t both.

So, the subsequent time you’re on the street, take into account SafetyWing. To me, they’re the most effective journey insurance coverage firm on the market for price range vacationers.

You need to use the reserving widget beneath to get a quote (it’s free):