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Safetywing Review: Is The Best Travel Insurance?

SafetyWing is the world’s first travel medical insurance designed particularly for and by digital nomads. They provide coverage for individuals from all over the world when they are traveling outside of their native country.

Whenever I purchase anything, I prefer to get my money’s worth out of it and use it as often as possible. Consider the Levi jeans I wore every day for a year until the knees gave up. Take, for example, my faithful MacBook Pro, which I use to churn out at least 10,000 words every day.

Travel insurance, on the other hand, is one of those rare things in life that you pay for but hope you never need to use. However, once you hit the road and go on an adventure, it is essential to have travel insurance. Whether you’re going to Prague for a rowdy weekend or Southeast Asia to spend 6 months discovering yourself, calamity might strike at any time.

So let’s have a look at what SafetyWing insurance has to offer and how it compares to the competition. So, without further ado, here is our SafetyWing insurance review!

Table of Contents

Do SafetyWing Cover COVID-19?

Safewing

When COVID-19 first made headlines in 2020, most travel insurers were eager to trigger their cancellation provisions and withdraw any coverage due to sickness, cancellation, or interruption caused by the bothersome epidemic.

Most insurance companies now include some sort of COVID coverage in their policy, although some are more valuable than others. While many insurers now cover hospitalization due to COVID infections, fewer give any form of coverage for interruption or cancellation, such as being denied boarding on a flight for showing symptoms or having to cancel your vacation due to a positive test.

While the epidemic has mostly diminished, COVID may still cause major disruptions in travel arrangements. As a result, consider paying special attention to the finer points of any insurer’s COVID-19 coverage.

SafetyWing plans may include COVID-19 coverage, as well as coverage for sickness, evacuation cancellation, and interruption.

What Makes SafetyWing Travel Insurance Unique?

Quick Answer

These characteristics distinguish SafetyWing Nomad Insurance from standard travel insurance products.

    • Nomads designed for nomads – They understand our requirements and are constantly refining the product to better fulfill them.
    • Model of subscription –You are not need to pay for the whole year in advance. Instead, you are automatically charged every four weeks. This is particularly helpful if, like us, you don’t know how long you’ll be away from home.  You may cancel at any moment.
    • You can buy while traveling – This is unusual since most travel insurance firms need you to be in your home country when you make your purchase. It’s perfect if you forget to get insurance or if your policy has expired and you need to renew it. When already overseas, SafetyWing is one of the greatest solutions for travel insurance, particularly since coverage is rapid (some only start 2-3 days after purchase).
    • No time restriction on travel – If you’re traveling for more than a decade, like us, there’s no issue. After a year, you’ll need to renew your coverage, which is simple.
    • Travel with a one-way ticket — Unlike other insurance firms, SafetyWing protects you if you don’t know when you’ll be returning to your home country and don’t have a return ticket.  Some coverage in your home country — Unlike most insurance companies, SafetyWing offers limited coverage when you return home. If you are abroad for 90 days, you retain your medical coverage in your home country for 30 days (15 days in the US) if anything occurs while you are there.
    • Covers adventure activities — You don’t have to pay a premium for high-risk activities like horseback riding, scuba diving, skiing, and bungee jumping since many are covered as standard.
    • Covers riding a motorcycle or scooter — Many digital nomads, particularly in Southeast Asia, travel by scooter. However, most businesses do not give coverage, therefore it is excellent that SafetyWing does.
    • No need to specify a location – We never know where we’ll travel in the next year, so it’s convenient that SafetyWing offers global coverage. You only have to decide whether or not to include the United States. There is no need for lengthy quotations or picking between numerous grades, and there are no hidden expenses. Pricing is determined solely by your age and whether or not you include the United States.
    • Children are entitled to free coverage. Up to two children under the age of ten may be included for free per family (one per adult). Focus on medical coverage – SafetyWing keeps expenses low by concentrating on the fundamentals for nomads, namely emergency medical coverage, rather than offering cancellation and other benefits we’re less likely to use.

Who is SafetyWing?

SafetyWing is a relatively new insurance business, having been created in 2017, but with their cheap costs and a wide variety of services, they might be a nice and inexpensive alternative for travelers.

SafetyWing is a travel insurance company founded by nomads for nomads, so they understand what nomads want and expect from their insurance. They want to meet the medical and travel demands of digital nomads and tourists who are traveling outside of their native country.

The digital nomad lifestyle is becoming more popular, thanks to the recent surge in remote working. SafetyWing promises to be a digital nomad’s “home nation on the internet,” to provide everyone with freedom and fair opportunity.

In terms of goods, they provide Nomad insurance (their primary product) and remote health insurance, with the chance of a ‘Remote Doctor’ appearing on their website shortly.

What's the Best Thing About SafetyWing?

Travel Insurance Safetywing Review

Why do people choose SafetyWing over other travel insurance providers? What makes SafetyWing unique, and what does it provide that other travel insurance companies do not? Here are the key qualities that distinguish SafetyWing.

Price

When choosing which insurance coverage to purchase, the cost is sometimes a major consideration. SafetyWing is a subscription-based service, as opposed to other suppliers, which sometimes need a year’s payment in advance. This is ideal if you are a freelance digital nomad who does not have the finances to pay for a year membership in advance.

Adaptable

SafetyWing is also quite adaptable. Along with the subscription service, you may cancel at any moment if you no longer need insurance. They also allow you to get insurance while you are currently overseas. They don’t need to know where you’ll be going during your time abroad; they only need to know whether you’ll be visiting the United States.

This is useful if you neglected to get insurance, if your policy has expired, or if you decide to buy one after you’ve already gone for the trip. Most insurance start within 2-3 days of purchase.

Furthermore, if you are unclear of your return date, SafetyWing will cover you even if you do not know when you will return home.

Coverage

SafetyWing contains some coverage for activities as well, albeit there are several exclusions. According to its regulations, you are only insured if you participate in “amateur/non-professional sports and activities” for “recreational reasons.”

Unlike other providers, your insurance includes sports like canoeing, bungee jumping, and jet-skiing, as well as riding a motorcycle or scooter. It’s crucial to read the terms of your policy carefully so you know precisely what you are and aren’t covered for, but SafetyWing’s insurance already covers a broad variety of activities.

What kind of travel insurance does SafetyWing offer?

Whereas most travel insurance companies provide a variety of options, SafetyWing insurance keeps things simple by offering just one.

One Easy SafetyWing Plan

The headline is that a SafetyWing plan with direct invoicing may be able to cover you up to a maximum value of $250,000 every cover term. The excess is $250, which means you must pay the first $250 of any claim. For example, if you wind up in the hospital for sutures and the cost is $197, you must pay the whole amount out of your pocket and cannot make a claim. That is, however, rather normal throughout the insurance industry. If you’re in a hurry, the main points are listed here.

-Up to $250,000 in medical expenses may be reimbursed. This also offers emergency dental care up to $1,000, which is ideal if you want to go gutter boxing at 2 a.m.

Medical evacuation coverage of up to $100,000 may be offered. It is vital to understand that emergency medical evacuation refers to being transported to a hospital in your own country rather than being rescued from a mountain after breaking your leg while trekking.

-In the event of civil disturbance or other calamities, an emergency evacuation may be covered up to $10,000.00. So, if London devolves into rioting, murderous mayhem as a consequence of Brexit, you can book a flight home or just to safety in Paris!

-In the case of a natural catastrophe, coverage for hotel expenses might be $100 per day for five days.

-While trip cancellation is not covered, trip disruption is covered up to $5,000.00. This means that if you are forced to cut your vacation short, you may be eligible for up to $5,000 in compensation to assist you to travel home.

Luggage lost or stolen may be reimbursed up to $3,000. It should be noted, however, that the maximum value per item is $500. As a result, if you want to check in that diamond necklace, you may want to get a separate cover.

Please keep in mind that travel insurance coverage might change at any moment. You must read the policy and ensure that you understand it. If you are unsure about anything, it is best to contact the provider for clarification, particularly when it comes to trip interruption and specialized medical coverage.

Remote Health Care

Remote Health is a new policy introduced by SafetyWing. Remote Health was a pioneering kind of occupational health insurance for the era of the Digital Nomad, primarily developed to cover remote working teams.

However, SafetyWing has refined the idea and it is now accessible to people. Remote Health varies from typical policies in several respects, providing more comprehensive coverage.

Importantly, it may be able to cover pandemics like the COVID-19 epidemic in 2020, and as a result, it appeals to an increasing number of travelers. Because not all insurance policies cover Covid 19, this is an excellent supplement.

Remote Health is more costly than regular insurance, but it may be a wise investment for consumers looking for more comprehensive coverage.

What does SafetyWing Travel Insurance cover?

Safetywing Review

Medical Expenses for an Emergency Accident or Sickness

Have you been ill as a result of food poisoning in Delhi? Have you been struck by a moped in Bangkok? Or maybe you stumbled in the shower and fractured your wrist at a Madrid hostel?

These things may and will happen, and they will all need emergency medical attention. Being sick, infirm, and unable to jerk yourself off is awful enough; the last thing you want is a large medical bill that you must pay out of your cash.

Emergency accident, illness, and medical coverage is almost definitely the most crucial part of any travel insurance package — I know it is for me. If you get sick, are injured, or need medical assistance in any other way, you may have medical coverage up to $250,000, and direct billing is also an option.

You may be covered for up to $1000 in emergency dental treatment.

Aside from the medical coverage mentioned above, SafetyWing also provides the following additional benefits:

    • Acute Onset of Pre-Existing Ailment — If you have a pre-existing condition that unexpectedly flares up, you may be entitled to claim up to the maximum amount of $250,000 or $25,000 for medical emergency evacuation. If you have a pre-existing condition, please discuss it with your insurance to ensure you are covered.
    • Outpatient Physical Therapy – If you need to visit a physio or a chiropractor during your vacation, you may be eligible to claim up to $50 each day. This will come in handy when the dreaded Digital Nomad bad-back attacks!

Evacuation and repatriation in an emergency

Medical evacuation occurs when you need transportation to your home country or another nation for further or continuing medical care and are unable to fly home as a regular passenger. For example, if you are still confined to a hospital bed and have tubes inserted into you.

Repatriation is the expense of returning your deceased corpse to your native country. Many tourists overlook this, although it is critical. The cost of flying bodies home is exorbitant, and I would hate to burden my family with this expenditure at such a trying time.

Accidental Death and Dismemberment

This applies in the very unusual case that you are involved in an accident and lose an arm or afoot. Or if you reach tragically at your ultimate goal and then die.

This insurance covers the loss of life or limb as a result of an accident while on the road. The loss must occur within 365 days of the occurrence of the accident that resulted in the loss. This implies that if you are in an accident and die, your family may be insured.

The same is true if anything happens that causes your arm to be amputated as a consequence of the accident.

We recognize that this is some serious, down-and-dirty material. But please continue; these insurance plans exist for a reason, and that reason is that it has occurred to someone else.

Kidnapping

Kidnapping is uncommon, but it does occur; luckily, SafetyWing’s Crisis Response coverage protects against it. If this occurs, you may be compensated for either your ransom or the loss of personal possessions during the abduction.

It should be noted that in certain “hazardous nations,” crisis response does not apply. Iraq, Afghanistan, Pakistan, Nigeria, Somalia, and Venezuela are a few examples. I believe placing Pakistan on the list is a little harsh, but there you have it. Many respectable travel insurance carriers do not cover abduction at all.

Accidental Death and Dismemberment

Kidnapping is uncommon, but it does occur; luckily, SafetyWing’s Crisis Response coverage protects against it. If this occurs, you may be compensated for either your ransom or the loss of personal possessions during the abduction.

It should be noted that in certain “hazardous nations,” crisis response does not apply. Iraq, Afghanistan, Pakistan, Nigeria, Somalia, and Venezuela are a few examples. I believe placing Pakistan on the list is a little harsh, but there you have it. Many respectable travel insurance carriers do not cover abduction at all.

Passport Misplaced or Stolen

Did you know that claims for lost or stolen passports are among the most often filed by travelers? If your passport is lost or stolen, you may be able to get a new one for up to $100, which should cover you pretty much everywhere in the globe.

Of course, to reduce the likelihood of this occurring, keep your passport securely kept in your hotel room or hostel locker. Even in nations where foreigners are required to carry their passports, a photocopy will generally be sufficient.

Keep it close to you at all times while in transportation and don’t let it go away.

Personal Liability

Personal Liability protects you if your acts cause another person to be injured, harmed, or suffer financial loss as a result of your conduct. This includes car accidents in which you were deemed to be at fault. Legal expenses, which may be exorbitantly costly, are also covered.

Coverage of the Home Country

Surprisingly, SafetyWing even provides coverage in your native country. This is because SafetyWing knows that long-term travelers and Digital Nomads will return home now and again, but “the journey” is not ended. It’s ideal for visiting family for Christmas or attending your obnoxious cousin’s wedding.

Every 90 days, the coverage period is 30 days (15 days in the US).

We are not aware of any other travel insurance company that does anything similar.

SafetyWing Review

There are several travel insurance carriers available these days, and choosing which one to use might be difficult. Furthermore, some of these providers have better reputations than others, and there have been some extremely regrettable cases of insurers failing to pay up on claims.

Finally, it might be tedious to interpret different regulations and study their tiny print. But don’t worry, we’re here to assist.

In this SafetyWing Review, we’ll look into SafetyWing and their travel insurance coverage in depth. We’ll go through the different kinds of coverage they provide, look at what is and isn’t covered in their policy, and evaluate their value for money. We’ll also take a short look at some of their main rivals (including World Nomads insurance).

Do You Need Travel Insurance?

Is travel insurance really necessary? It’s a reasonable question. After all, the great majority of journeys finish joyfully and securely.

We at Nonstop Asia have probably spent a total of around ten years on the road and have visited well over a hundred countries. We’ve had a few disasters along the road, ranging from inflected legs that nearly required amputation to the unavoidable bike wrecks to gun-point robberies. All of these instances were terrible enough to leave physical or emotional scars.

But, thankfully, we were all covered at the time, so we were spared the additional anguish of paying $10,000 in medical bills and emergency medical evacuation, or having to come up with $700 for a new iPhone.

Nobody ever expects it to happen to them, but it has to happen to someone. Aside from that, the rule of averages states that if you travel enough, something will go wrong someplace.

Furthermore, some nations need you to get insurance before allowing you to enter.

What Does Travel Insurance Cover?

To assist you to determine if you truly need travel insurance, let’s look at some of the things it can help with and where you would be without it.

Lost Luggage

According to the airline industry watchdog, 5.73 pieces of luggage are lost for every 1000 travelers. This is not an awful figure, but it implies that if you take ten trips, there is a 5% risk that your baggage may be lost for good. Also, keep in mind that certain airlines and airports (the Charles De Gaulle black hole, anyone?) are much worse than others in this regard.

Lost luggage may easily spoil your holiday, forcing you to traipse about Ibiza for a week sweating your a$$ off in the same uncomfortable trousers and sweater combination you left home in.

Replacing everything you possess, on the other hand, may need spending $1000 to renew your clothing, restock your toiletries cabinet, and get a new travel camera. As a result, any reputable travel insurance policy will cover missing baggage, generally up to $1000.

Medical Expenses

Medical bills might be too costly. Will David, a member of Nonstop Asia, was previously hospitalized while volunteering in Costa Rica and racked up medical expenditures over $10,000. He was recently admitted to a Thai hospital for one night, was charged $1,000, and his passport was used as a ransom. I don’t have $10,000 to pay Costa Rican doctors, but I could spend $50 for complete health insurance.

Coming from the United Kingdom, where we (almost) have the NHS, the expense of medical treatment in various areas of the globe is pretty shocking. If you are reading this in the United States, you are already aware of health extortion, but keep in mind that your domestic health insurance will not cover your medical bills outside of the United States.

Accidents happen without notice, and illness may strike at any moment and from any location.

If you’ve ever encountered Indian driving or hygiene standards, you’ll undoubtedly agree that you’re at considerably larger danger of being hurt on the road than you are at home!

Travel Interruption

Travel disruption and trip interruption happen in a variety of forms and sizes, but let’s look at a classic, current example. Every year, several airlines and travel agencies fail, leaving travelers stranded.

Booking tickets home on short notice is costly, yet failing to return home as soon as possible may result in termination from your employment. Staying an additional few nights in a hotel might sometimes put unnecessary pressure on an already stretched vacation budget.

Having travel insurance might therefore be the difference between hurriedly draining your overdraft to pay for a hotel and your travel insurance provider paying for a few more nights at your destination for free! The disruption of a trip is distressing enough without it costing a lot!

Robbery

Tourists are a common target for robbers in many places of the world. My phone was taken by knife-wielding robbers in Colombia, and I know folks whose rooms were invaded, leaving them without gold jewelry and laptop computers.

Getting jacked is terrifying, but having to come up with $700 for a new iPhone is truly awful.

Many travel insurance companies, thankfully, cover it.

Who Can Benefit From SafetyWing Travel Insurance?

So, what distinguishes SafetyWing from other travel insurance companies, and who is their policy ideal for?

SafetyWing recognizes that there is much more to travel than a two-week journey. They understand that many of us leave with a one-way ticket, no schedule, and no clue when we’ll return.

As a result, SafetyWing may be appropriate for;

    • Long-Term Travelers – SafetyWing is unusual in that it provides open-ended travel insurance.
    • You may travel the globe for years and still be insured as long as you pay your premiums.
    • One-Way Travelers — As previously stated, your journey does not need to have an end date for the insurance to be legitimate!
    • Digital Nomads – As a digital nomad, you travel from one location to another, working and hustling along the way. With this insurance, you may travel throughout the globe for years at a time. If you’re a digital nomad for an extended period, there’s a strong possibility you’ll need to visit a doctor for anything.
    • Travelers with Children – This is another essential feature. The coverage covers one small kid per adult, up to two per household, between the ages of 14 days and ten years. So, if both you and your spouse take out the policy, you get two children for free as long as they are under the age of ten! If your kid is beyond the age of ten, you should look for separate or extra coverage for them.

Who is not eligible for SafetyWing Travel Insurance?

SafetyWing is a travel insurance company that specializes in long-term backpackers and digital nomads. This is a huge and expanding market. This kind of cover, however, is not appropriate for everyone. SafetyWing may not be the finest travel insurance available;

    • Conventional Vacationers — If you are going on a traditional, two-week vacation in the sun, there will be lots of travel insurance carriers better suited to your requirements who can probably insure you less than SafetyWing.
    • Travelers in Need of Comprehensive Coverage — It should be noted that SafetyWing is specialized insurance, but it is not comprehensive. Trip cancellation insurance, for example, is not covered.
    • Adrenaline Junkies – SafetyWing does not cover extreme activities like whitewater rafting, running with the bulls, or being shot from cannons. If you need this level of protection, you should look into another supplier.

How Much Does SafetyWing Travel Insurance Cost?

Safety Wings Review

SafetyWing Travel Insurance may be purchased for as low as $37 for 28 days.

This is a terrific deal when compared to other private medical insurance coverage, which may cost hundreds of dollars. They also provide low-cost monthly payment choices.

The monthly premium for SafetyWing varies based on a variety of criteria, including the applicant’s age. If you want to go hiking in the United States, you’ll have to pay a greater price (because of the expensive American healthcare system).

When Should You Buy Travel Insurance?

If you’re still reading, I’m guessing you’ve decided you need travel insurance. Excellent choice.

The next question is likely to be, when should you get travel insurance?

Ideally, you should get travel insurance before embarking on your vacation, and some providers may even require it. It’s worth noting that if you ever need to claim your travel insurance, they’ll almost certainly ask for proof of when your vacation began, such as an airline reservation or flight ticket.

As a general rule, I purchase my travel insurance on the same day that I book my flight. The only exception is if I have long-term or yearly coverage in place.

Staying Safe on your Adventure

We hope you never need to use your travel insurance and wish you many long, happy, and safe journeys. And, to help you keep safe, we’ve compiled a list of helpful tips.

To begin, to make it significantly more difficult for prospective criminals to steal your money, get a backpacker security belt to keep your cash secure and concealed while on the road.

Check out our Backpacker Safety 101 piece for more information on how to be safe while backpacking.

Check out this post on inventive methods to hide your money while traveling for larger wads of cash.

I highly advise hiking anywhere in the globe with a light (every traveler should have an excellent headtorch!) to avoid slipping into a well on a night. If you don’t already have a light, check out this page for an analysis of the best backpacking headlamps for the money.

SafetyWing Travel Insurance FAQs

These are some of the most frequently asked questions regarding SafetyWing from you folks.

Do SafetyWing Ensure Electronic Devices?

No, electronic gadgets are not covered by SafetyWing. This is because most Digital Nomads have specialist device insurance. If you have pricey electrical gadgets, I urge that you purchase adequate protection for them.

What Countries Are Covered by SafetyWing?

Over 100 countries are covered by SafetyWing. They are unable to cover any excursions to North Korea, Iran, or Cuba. Kidnap and crisis coverage are not accessible in Iraq, Afghanistan, Somalia, Nigeria, Pakistan, or Venezuela, or in any other nation where they are restricted owing to US financial sanctions.

Is SafetyWing the Best Travel Insurance for Digital Nomads?

It’s impossible to determine which provider or coverage is the best. However, the objective of SafetyWing is to offer cover for nomads, by nomads. They unquestionably give focused, powerful coverage for Digital Nomads at an affordable price.

Final Thoughts on SafetyWing Travel Insurance

Whether you’re going to spend a month in Australia or work as a freelancer in Southeast Asia, it’s a good idea to have some insurance. Life is unpredictably unpredictable, and you never know when sickness, an accident, or bad luck may strike. When it occurs, there is no worse feeling than being saddled with large bills that might have been simply avoided.

I hope your future backpacking excursions fulfill all of your travel fantasies and more. Hopefully, the day will never come when you need to claim your insurance.

But, if that dark day comes, SafetyWing travel insurance will come in handy, and you’ll be pleased you did.

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