Safety Wing Review (Updated 2025)

Budget vacationers love saving cash — myself included. But 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 dwelling with out it.

Why?

Because I’ve seen firsthand how helpful it may be — and the way a lot cash it could possibly save.

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

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

I’ve written extensively over time about why you want insurance coverage, the way to decide the best firm, and listed my most well-liked suppliers.

Today, I need to speak about my favourite journey insurance coverage firm: SafetyWing.

Who is SafetyWing?

SafetyWing is an insurance coverage firm that focuses on inexpensive protection for funds vacationers and digital nomads (although you don’t should be both to get protection). It is run by nomads and expats who know precisely what such vacationers want.

SafetyWing gives fundamental insurance policy (known as “Nomad Essential”) for a fraction of what different firms cost, though they’re additionally much less complete. To me, they’re one of the best total journey insurance coverage firm on the market.

Their commonplace Nomad Insurance 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 are tremendous aggressive in the case of worth.

Their protection extends all the way in which to age 69, nevertheless, vacationers aged 60-69 ought to count on to pay upwards of $196 USD per thirty days for protection. Still very cheap, to be sincere.

But is the protection truly good? What concerning the customer support?

Today I need to evaluation Safety Wing and speak about when it’s — and isn’t — value utilizing so you’ll be able to higher put together in your subsequent journey and guarantee you’ve gotten the protection you want.
 

What Does SafetyWing Cover?

SafetyWing’s commonplace Nomad Insurance plan is the Essential plan. It’s simply $56.28 USD for 4 weeks of journey (outdoors the US). That works out to only $1.87 USD per day!

For vacationers underneath 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 attributable to political upheaval
• $5,000 USD for a visit interruption
• Up to $100 a day after a 12-hour delay interval requiring an unplanned in a single day keep. Subject to a most of two days.
• $12,500–25,000 USD for demise or dismemberment
• $20,000 USD for repatriation of stays

Be positive to examine 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 must be advantageous. (If you need greater 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 may not even want the protection supplied by SafetyWing. Additionally, it doesn’t actually cowl costly electronics, which sucks if in case you have a dear digital camera 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 a very good coverage for those who’re going to do numerous journey actions on the highway.

They do provide a pair useful add-ons that I feel numerous vacationers will admire, together with protection for journey actions and electronics theft. That implies that for those who want the protection, you’ll be able to pay additional for it. However, for those who don’t want it then you definitely don’t should pay for it, holding your prices low. I admire 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 Covered?

The Essential plan is primarily geared in the direction of protecting medical emergencies and fundamental journey mishaps (like delays and misplaced baggage). Here are some issues that aren’t lined:

• Alcohol- or drug-related incidents.
• Extreme sports activities & journey actions (except you buy the journey sports activities add-on, which is offered for non-US residents)
• Pre-existing circumstances or common check-ups
• Trip cancellation
• Lost or stolen money

Nomad Complete: Coverage for Digital Nomads and Long-Term Travelers

In 2023, SafetyWing launched Nomad Health (now known as their “Complete” plan). It’s insurance coverage for digital nomads, distant staff, and long-term vacationers. This new plan gives a mixture of the usual emergency protection that we’ve been discussing above together with “regular” well being care protection, akin to routine visits and preventive care.

The Complete plan additionally gives 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 might 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 superb thought).

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

You can study extra and examine the plans right here.

If you’re simply heading out for a pair weeks or a pair months, SafetyWing’s Essential plan is the choice for you. It’s excellent for emergencies, is tremendous inexpensive, and is designed for funds vacationers. It’s the plan I take advantage of after I journey nowadays.

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

You can study extra concerning the Complete plan in my devoted evaluation.

Making a Claim

SafetyWing makes it simple to file a declare by their on-line portal. You simply add all of the required paperwork, screenshots, and pictures, and wait to listen to again. While claims can take as much as 45 enterprise days, most are dealt with in lower than every week (as of writing, the common wait time is 4 days).

If you learn the critiques on-line, most individuals who had a unfavorable 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. But that’s fairly regular for folks to complain about.

On the plus aspect, SafetyWing’s common time to deal with a declare is down to only 4 days. That’s approach quicker than most firms!
 

A Note About COVID

SafetyWing does embrace protection for COVID-19. As lengthy because the virus was not contracted earlier than your plan begins, then it is going to be lined (so long as it’s medically essential).

SafetyWing additionally covers quarantine prices (outdoors your own home nation) for as much as $50 USD/day for 10 days (offered that you just’ve had your plan for at the least 28 days).
 

Pros and Cons of SafetyWing

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 is 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. Here’s a fast chart that will help you resolve if SafetyWing is best for you:

Travel insurance coverage is one thing I by no means depart dwelling with out. I do know it’s a boring subject to examine and analysis, however it could possibly 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 following time you’re on the highway, contemplate SafetyWing. To me, they’re one of the best journey insurance coverage firm on the market for funds vacationers.

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