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 travel insurance.

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

Why?

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

I’ve misplaced baggage, had my digicam damaged, and even wanted emergency medical assist over time.

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

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

Immediately, 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 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 affords fundamental insurance policy (known as “Nomad Important”) for a fraction of what different corporations cost, though they’re additionally much less complete. To me, they’re one of the best general journey insurance coverage firm on the market.

Their commonplace 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 worth.

Their protection extends all the best way 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 truly good? What concerning the customer support?

Immediately 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 could have the protection you want.
 

What Does SafetyWing Cowl?

SafetyWing’s commonplace 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 simply $1.87 USD per day!

For vacationers beneath 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 because 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

Be sure you test the outline of protection for any circumstances that apply.

Its $100,000 USD for medical evacuation is on the low finish, however until you’re heading out into the distant wilderness, that must be wonderful. (If you’d like increased protection, get MedJet.)

Its travel-delay payout is fairly low, however airways and most travel credit cards present journey delay help too so that you may not even want the protection provided by SafetyWing. Moreover, it doesn’t actually cowl costly electronics, which sucks in case you have a dear digicam or video gear.

As with most traditional journey insurance policy, this one doesn’t embrace pre-existing circumstances or sure journey sports activities, so it’s not coverage when you’re going to do a variety of journey actions on the highway.

They do provide a pair useful add-ons that I believe a variety of vacationers will admire, together with protection for journey actions and electronics theft. That signifies that when you want the protection, you’ll be able to pay additional for it. Nevertheless, when you don’t want it then you definately don’t need to pay for it, protecting your prices low. I admire that, as somebody who at all times wants digital protection however who by no means wants journey exercise protection (I’m not a giant adrenaline junkie).
 

What’s Not Lined?

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

• Alcohol- or drug-related incidents.
• Excessive sports activities & journey actions (until you buy the journey sports activities add-on, which is accessible 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 Health (now known as their “Full” plan). It’s insurance coverage for digital nomads, distant employees, and long-term vacationers. This new plan affords 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 affords protection in 175 international locations, contains wellness advantages, psychological well being care, and the flexibility 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 good concept).

It’s just like the form 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 be taught extra and examine the plans here.

When you’re simply heading out for a pair weeks or a pair months, SafetyWing’s Important plan is the choice for you. It’s good for emergencies, is tremendous inexpensive, and is designed for finances vacationers. It’s the plan I exploit after I journey nowadays.

Nevertheless, when you’re going to be working overseas or touring for months (or years), then their new Complete plan is the higher choice. It affords rather more protection whereas nonetheless being inexpensive. Actually, it’s the plan I want I had after I began touring long-term!

You can learn more about the Complete plan in my dedicated review.

Making a Declare

SafetyWing makes it simple to file a declare via 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 typical wait time is 4 days).

When you learn the opinions 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 simply 4 days. That’s means sooner than most corporations!
 

A Be aware About COVID

SafetyWing does embrace 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 crucial).

SafetyWing additionally covers quarantine prices (exterior your property nation) for as much as $50 USD/day for 10 days (offered 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 will help you resolve if it’s one of the 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 could be extra of a precedence for a shorter-term traveler. Right here’s a fast chart that will help you resolve if SafetyWing is best for you:

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

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

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