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SafetyWing Travel Insurance: 2024 Review

Curious about SafetyWing Travel Insurance? Find out if it’s the right fit for you…

Navigating the world of travel insurance as a digital nomad or remote worker can be tricky, but finding the right fit is crucial. That’s where SafetyWing comes into the picture. In this review, we’ll explore what makes SafetyWing a compelling choice, especially for its balance of cost-effectiveness and comprehensive coverage. We’ll also shed some light on their comprehensive health insurance programs: Nomad Health and Remote Health.

What is SafetyWing?

SafetyWing emerged as a response to a growing need in the digital nomad community: accessible and reliable travel insurance. Founded by a team of nomads and entrepreneurs, the company was born out of personal experience and a deep understanding of the unique challenges faced by those living and working on the go. With a vision to create a global safety net, SafetyWing has been dedicated to providing insurance products that cater specifically to the lifestyle of remote workers and digital nomads. Today, SafetyWing stands as a popular choice among digital nomads, offering services in more than 180 countries.

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 managing our careers on the go, budget is always a consideration, and SafetyWing understands 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 they are a separate plan from it’s travel medical 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 their signature Nomad Insurance (travel insurance), but we will include 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
Exploring the different SafetyWing offers

Image credit: SafetyWing

Why Choose SafetyWing Nomad Insurance?

What’s Covered?

What’s Not Covered?

SafetyWing Travel Insurance- infographic about coverage
Brief overview of SafetyWing coverage

Image credit: SafetyWing

SatefyWing 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. This model allows for easy cancellation without penalties, ideal 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, applicable for the first claim in a given year.

Current Rates (Early 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, catering to the digital lifestyle of nomads and remote workers. Here’s a step-by-step guide:

  1. Visit the SafetyWing Website: Start by navigating to the SafetyWing website.
  2. Select Your Plan: Choose between the Nomad Insurance or Remote Health plans, depending on your needs.
  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. Choose Your Payment Frequency: Decide whether you want to pay every four weeks or opt for a longer payment interval.
  6. Payment Information: Enter your payment details. SafetyWing accepts various forms of payment, including credit and debit cards.
  7. Review and Confirm: Double-check all the information for accuracy, review the policy details, and confirm your purchase.
  8. Receive Confirmation: Once your payment is processed, you’ll receive a confirmation email with your insurance documents and a digital insurance card.
  9. 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

Navigating the claims process with SafetyWing is designed to be user-friendly and efficient. Understanding this process can ensure a smoother experience if you ever need to file a claim.

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.
  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 Personal SafetyWing Claims Experience

Our personal experience with SafetyWing’s claims process has been 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. 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. In one instance, this was the situation for us regarding a dislocated finger and unmet deductible.

However, it’s worth noting that when I personally broke my foot while abroad, SafetyWing’s coverage proved 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, SafetyWing saved me hundreds of dollars in medical expenses. This experience underscored that, despite some drawbacks, the process can indeed work effectively when you need it most.

SafetyWing Travel Insurance- claims process
SafetyWing claims process

Image credit: SafetyWing

SafetyWing Travel Insurance: Pros and Cons

When considering SafetyWing for your travel insurance needs, it’s important to weigh its advantages and limitations.

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, and potentially even 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. For more information, check out our complete review of Safetywing’s Nomad Health.

SafetyWing’s Remote Health Program: Overview

SafetyWing has an additional 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. For more information, check out our complete review of Safetywing’s Remote Health.

SafetyWing Travel Insurance: Is It Right For You?

Deciding whether SafetyWing is the right choice for your travel insurance needs is a personal decision, one that varies depending on individual circumstances and preferences. Our experience with SafetyWing has highlighted both the advantages and challenges of their service. The straightforward process, flexible subscription model, and comprehensive coverage, especially in emergency situations, are significant benefits. However, aspects like the extended timeframe for claims processing and the $250 deductible can be points of consideration.

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.

Ultimately, the choice to opt for SafetyWing should be made after careful consideration of your specific travel insurance needs and how well their offerings align with them. 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.

 
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.
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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