Safety Wing Review (Updated 2025)

Finances 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 residence with out it.

Why?

As a result of I’ve seen firsthand how helpful it may be — and the way a lot cash it will probably 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 but it surely’s supplied me with peace of thoughts as I discover.

I’ve written extensively through the years about why you want insurance coverage, the best way to choose the proper 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 reasonably priced protection for finances 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 provides primary insurance coverage (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 very best general 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 the case of value.

Their protection extends all the way in which to age 69, nevertheless, vacationers aged 60-69 ought to anticipate to pay upwards of $196 USD per 30 days for protection. Nonetheless very affordable, to be trustworthy.

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

At the moment I wish to assessment Security Wing and discuss when it’s — and isn’t — price utilizing so you’ll be able to higher put together on your subsequent journey and guarantee you might 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 (exterior the US). That works out to only $1.87 USD per day!

For vacationers below 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 demise or dismemberment
• $20,000 USD for repatriation of stays

Make sure you verify the outline of protection for any circumstances 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 advantageous. (In order for you increased 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 supplied by SafetyWing. Moreover, it doesn’t actually cowl costly electronics, which sucks when you’ve got a dear digicam or video gear.

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

They do supply a pair useful add-ons that I feel a number of vacationers will respect, together with protection for journey actions and electronics theft. That implies that should you want the protection, you’ll be able to pay additional for it. Nonetheless, should you don’t want it you then don’t need to pay for it, preserving 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 Coated?

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

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

 

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

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

The Full plan additionally provides protection in 175 nations, 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 feel is a good thought).

It’s just like the form of medical health insurance you’d discover in your house nation, making certain that you just’re sorted it doesn’t matter what occurs when you’re overseas.

You possibly can study extra and evaluate the plans right 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 reasonably priced, and is designed for finances vacationers. It’s the plan I exploit after I journey today.

Nonetheless, should you’re going to be working overseas or touring for months (or years), then their new Full plan is the higher choice. It provides rather more protection whereas nonetheless being reasonably priced. In actual fact, it’s the plan I want I had after I began touring long-term!

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

 

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 photographs, and wait to listen to again. Whereas claims can take as much as 45 enterprise days, most are dealt with in lower than per week (as of writing, the common wait time is 4 days).

In case you learn the evaluations on-line, most individuals who had a damaging 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 manner 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 coated (so long as it’s medically vital).

SafetyWing additionally covers quarantine prices (exterior your house nation) for as much as $50 USD/day for 10 days (supplied that you just’ve had your plan for no less than 28 days).
 

Professionals and Cons of SafetyWing

Right here’s a glance that the professionals and cons of SafetyWing at a look that can assist you resolve if it’s the very best 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 perhaps extra of a precedence for a shorter-term traveler. Right here’s a fast chart that can assist you resolve if SafetyWing is best for you:

 

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

So, the subsequent time you’re on the street, contemplate SafetyWing. To me, they’re the very best journey insurance coverage firm on the market for finances vacationers.

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