SafetyWing Travel Insurance: What is Nomad Insurance?

Are you curious as to whether SafetyWing travel insurance lives up to the hype? Here’s what we think…

The world of healthcare, both locally or abroad, can be tricky. Like many others, I also don’t really understand insurance jargon or the small print T&Cs. 

Luckily with SafetyWing, this isn’t a problem.

SafetyWing’s website clearly outlines what is included in their digital nomad insurance, and offers a 24-hour chatbot to answer any questions you might have. You can also quickly provide them with your age to see the cost and coverage. No gimmicks, and no games.

When you’ve got the info you need, becoming insured by SafetyWing is as simple as 1-2-3. You can sign up and complete the payment process entirely online, either before you go or even if you’ve already begun your trip!

Coverage starts on the day you choose. 

And the best part is, you don’t need proof of a return ticket.

SafetyWing allows you to purchase coverage having booked a one-way flight. This is ideal for nomads like us who may not yet have a clear idea as to where the next destination will be. 

With all these perks, you’d be forgiven for thinking SafetyWing must be expensive or lock you into a long-term contract. But this isn’t the case!

Let’s get into the details, below.

What is SafetyWing?

SafetyWing is one of the most popular travel insurance companies on the market, especially for those that need or value flexible plans. 

At it’s core, travel insurance often covers unexpected events – from medical emergencies to trip delays. If it’s related to your trip, there’s a chance it’s covered.

Traditionally, travel insurance is usually offered on a short-term, trip-specific basis. However SafetyWing broke the mold when it created its affordable (and flexible) monthly travel insurance

Based on a flexible pay-as-you-go, monthly subscription model, you don’t need a return flight to sign up and you don’t need to know where you’re headed, as you’re covered in over 180 countries (with the USA costing a little extra).

You don’t even have to tell them when you’re changing countries!

We like to joke that SafetyWing is the ‘ideal’ digital nomad insurance, as it’s affordable for most, flexible, and has no long term contract requirements, aligning with most (if not all) digital nomads lifestyles. 

What Makes SafetyWing Nomad Insurance Stand Out?

Why do digital nomads and remote workers often turn to SafetyWing?

It’s simple: SafetyWing strikes an impressive balance between affordability and thorough coverage.

For those of us still building our careers while we travel, budget is always a consideration, and SafetyWing seems to understand this. Their pricing is accessible, making comprehensive travel insurance less of a financial burden.

But that’s not all – SafetyWing goes a step further with its Nomad Health and Remote Health programs, offering comprehensive medical insurance for longterm nomads.

While these are separate plans from the regular monthly travel insurance, the Nomad Health and Remote Health programs are game-changers, offering full-fledged health insurance that moves with you. For digital nomads concerned about consistent health coverage, this option at SafetyWing is a significant draw.

This review will primarily cover SafetyWing’s signature Nomad Insurance (travel insurance), but we’ve also included a brief review of the Nomad Health and Remote Health programs so you can decide which is best for you.

SafetyWing Travel Insurance- infographic about insurance types
Explore the different insurance options that SafetyWing has to offer

Image credit: SafetyWing

Why Choose SafetyWing Nomad Insurance?

What’s Covered?

What’s Not Covered?

SafetyWing Travel Insurance- infographic about coverage
A brief overview of SafetyWing coverage

Image credit: SafetyWing

SafetyWing Travel Insurance: Coverage Details

Medical and Health

Emergencies and Evacuation

Travel and Delays

Additional Coverage Options

SafetyWing Travel Insurance- detailed infographic about coverage
Detailed overview of SafetyWing coverage

Image credit: SafetyWing

SafetyWing Travel Insurance: Pricing and Plans

SafetyWing offers affordable and flexible pricing for digital nomads and remote workers, with a subscription model, charging every 28 days, making it the ideal digital nomad insurance.

This model allows for easy cancellation without penalties, perfect for those with unpredictable travel schedules.

Rates vary based on age and whether the plan includes coverage in the United States. SafetyWing’s Nomad Insurance has a standard $250 deductible.

Current Rates (June 2024):

Ages 10-39:

  • Excluding the US: $45.08 per 4 weeks.
  • Including the US: $87.44 per 4 weeks.

Ages 40-49:

  • Excluding the US: $89.68 per 4 weeks.
  • Including the US: $173.60 per 4 weeks.

Ages 50-59:

  • Excluding the US: $128.00 per 4 weeks.
  • Including the US: $249.28 per 4 weeks.

Ages 60-69:

  • Excluding the US: $183.68 per 4 weeks.
  • Including the US: $356.72 per 4 weeks.

How to Sign Up for SafetyWing Nomad Insurance?

Signing up for SafetyWing insurance is straightforward and can be completed entirely online.

Here’s a step-by-step guide:

  1. Visit the SafetyWing Website: Start by going to the SafetyWing website.
  2. Select Your Plan: Choose between the Nomad Insurance or Remote Health plans, based on what you need.
  3. Enter Personal Details: You’ll be prompted to enter basic information such as your name, date of birth, and email address.
  4. Specify Coverage Details: Select your desired coverage start date and, if applicable, the countries you plan to visit. For those including the U.S. in their travels, be sure to indicate this, as it affects pricing.
  5. Payment Information: Enter your payment details. SafetyWing accepts various forms of payment, including credit and debit cards.
  6. Review and Confirm: Double-check all the information for accuracy, review the policy details, and confirm your purchase.
  7. Receive Confirmation: Once your payment is processed, you’ll receive a confirmation email with your insurance documents and a digital insurance card.
  8. Access to Online Account: You’ll gain access to an online account where you can manage your policy, view coverage details, and file claims if necessary.
SafetyWing Travel Insurance- Features
SafetyWing plan features

Image credit: SafetyWing

SafetyWing Travel Insurance: Claims Process

Having recently shared on Instagram about our experience at a local hospital in Vietnam, we received so many questions about our insurance (and the claims process) that it prompted us to write an article sharing our experience with SafetyWing over the years.

It includes everything to do with claims, from flu-like systems and near-surgeries to stolen property, as well as everything we wish we knew when first starting out.

All in all, the claims process with SafetyWing is designed to be user-friendly and efficient.

Here’s what you need to know:

Steps to File a Claim

  1. Log into Your Account: Access your SafetyWing account on their website.
  2. Locate the Claims Section: Navigate to the claims section within your account dashboard.
  3. Complete the Claims Form: Fill out the claims form accurately. Include all necessary details about the incident or medical service you are claiming for.
  4. Attach Supporting Documents: Upload any relevant documents such as medical reports, bills, receipts, or police reports, depending on the nature of your claim.
  5. Submit the Claim: Review your claim for completeness and accuracy, then submit it.
  6. Claim Review Process: Once submitted, SafetyWing’s insurance partner, Tokio Marine, will review your claim.
  7. Follow-up Communications: You may receive requests for additional information or clarification during the review process.
  8. Claim Decision: SafetyWing aims to process claims within 45 days of submission, however this time may vary from 6-12 weeks.
  9. Reimbursement: If approved, the claim will be reimbursed as per the policy terms, minus any applicable deductible.

Tips for a Smooth Claims Process

Our best tip for a smooth claims process is to fully understand your insurance, coverage, and what’s expected of you as the customer before needing to submit the claim.

This means, knowing which paperwork to keep, which processes to document, and more. Check out all our tips here.

Below are a few of our favorites: 

Our Personal SafetyWing Claims Experience

Our personal experience with SafetyWing’s claims process has been mostly positive, but as with any insurance process, slightly mixed.

Shaped by over a decade of traveling, we’ve learned the importance of diligently saving receipts and filing claims promptly. While the process itself is straightforward, the response time can be lengthy, often taking over two months to receive updates on claim status.

However, this is communicated upfront and standard across the board with insurance companies, so nothing to fault SafetyWing over. 

Additionally, the $250 deductible sometimes adds a layer of frustration, as it may feel like you’re going through the motions of submitting receipts for a claim that may not result in an actual payout, but rather just contribute towards meeting the deductible minimum.

In one instance, this was the situation for us regarding a dislocated finger and unmet deductible. The key here is understanding what a deductible is and the importance of submitting claims over the course of the year.

On the flip side, it’s worth noting that when I broke my foot while abroad, SafetyWing’s coverage proved to be invaluable.

They covered the emergency room visit and subsequent months of medical appointments. They were even prepared to cover surgery and necessary items like crutches and a walking boot.

Despite the tedious paperwork (nobody likes doing this!), SafetyWing saved me hundreds of dollars in medical expenses. This experience proved that the process can indeed work effectively when you need it most.

If you’d like to read other reviews, check out SafetyWing’s Trustpilot

SafetyWing Travel Insurance- claims process
SafetyWing claims process

Image credit: SafetyWing

SafetyWing Travel Insurance: Pros and Cons

Pros

Cons

SafetyWing’s Nomad Health Program: Overview

Starting at around $125 per month, SafetyWing’s Nomad Health offers a comprehensive health insurance plan designed specifically for the needs of digital nomads and remote workers who require medical coverage across various countries.

This plan stands apart from regular travel insurance by offering more extensive health coverage, similar to traditional health insurance, but with the flexibility required by those who frequently travel or live abroad.

Nomad Health typically covers a wide range of medical services, including:

  • Routine check-ups
  • Preventive care
  • Emergency medical treatments
  • Coverage for chronic conditions and mental health services

This makes it a robust option for nomads who need more than just emergency medical coverage.

In terms of pricing, while specific rates depend on various factors such as age, health history, and coverage requirements, Nomad Health plans usually start at a higher price point compared to basic travel insurance due to their comprehensive nature.

The plan is designed to offer peace of mind, knowing that health care needs are covered globally, whether you’re in between countries or staying long-term in a foreign location.

For those interested in the Nomad Health plan, it’s essential to review the specific coverage details, pricing options, and terms directly on SafetyWing’s website to ensure it aligns with your individual health insurance needs and travel lifestyle.

SafetyWing’s Remote Health Program: Overview

SafetyWing has another insurance product to offer – the Remote Health program.

SafetyWing’s Remote Health program is a comprehensive health insurance option tailored for digital nomads and remote workers, offering complete medical coverage in over 175 countries, similar to medial coverage in your home country.

It differs from SafetyWing’s Nomad Health, as this plan is for online companies or teams.

Similar to Nomad Health, Remote Health encompasses a broader scope of medical services, including routine check-ups and preventive care, making it an ideal solution for those seeking consistent health coverage worldwide.

The pricing of Remote Health is higher than SafetyWing’s travel insurance due to its expanded coverage, starting at $80 per person per month, but can vary based on age, coverage area, and additional factors.

The plan typically includes a deductible and offers extensive benefits, potentially covering chronic conditions like cancer and including options for remote medical consultations. This makes it a versatile choice for nomads needing regular medical services in addition to emergency care.

For detailed information on coverage, pricing, and how to sign up for SafetyWing’s Remote Health program, visit SafetyWing’s Remote Health page. The website provides all the necessary details to make an informed decision, offering a comprehensive overview and the option for personalized quotes based on individual needs.

SafetyWing Travel Insurance: Is It Right For You?

Deciding whether SafetyWing is the right choice for your travel insurance needs is a personal decision, however for those in the market for flexible travel insurance and freedom-focused contractless plans, then SafetyWing might be your best option. 

We compared the top three travel insurance brands, but our favorite choice continues to be SafetyWing for the 5th year in a row

For us, nothing on the market can beat it’s low-cost, contract-free plan, especially for digital nomads.

If you value affordability and flexibility in your travel insurance, along with the convenience of being able to sign up or cancel anytime, even while abroad, SafetyWing might be an ideal option.

To gather more information or get a personalized quote, you can visit SafetyWing’s website. Here, you can explore their plans in detail and make an informed decision that best suits your travel needs.

And as always, if you have a question, leave a comment below and we’d be happy to help!

Max quit her corporate job in 2013 to take a chance building businesses online while traveling the world. Armed with an adventurous spirit and a can-do attitude, Max has traveled to more than 50 countries, embracing slow travel as a digital nomad and long-term living in places such as Thailand, India, Nepal, and Indonesia. Max currently resides in Bali where she oversees content creation for DNG as our resident travel aficionado.
Picture of Max Pankow
Max Pankow
Max quit her corporate job in 2013 to take a chance building businesses online while traveling the world. Armed with an adventurous spirit and a can-do attitude, Max has traveled to more than 50 countries, embracing slow travel as a digital nomad and long-term living in places such as Thailand, India, Nepal, and Indonesia. Max currently resides in Bali where she oversees content creation for DNG as our resident travel aficionado.

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