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 house with out it.

Why?

As a result of 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 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 nevertheless it’s offered me with peace of thoughts as I discover.

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

In the present day, I wish to speak about my favourite journey insurance coverage firm: SafetyWing.

Who’s SafetyWing?

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

SafetyWing gives fundamental 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 perfect total journey insurance coverage firm on the market.

Their customary 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 relation to value.

Their protection extends all the best way to age 69, nevertheless, vacationers aged 60-69 ought to count on to pay upwards of $196 USD per 30 days for protection. Nonetheless very cheap, to be trustworthy.

However is the protection really good? What in regards to the customer support?

In the present day I wish to overview Security Wing and speak about when it’s — and isn’t — price utilizing so you possibly can higher put together on your subsequent journey and guarantee you could have the protection you want.
 

What Does SafetyWing Cowl?

SafetyWing’s customary Nomad Insurance coverage plan is the Important 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 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 attributable to 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

Make 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 need larger 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 won’t 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 coverage, this one doesn’t embrace pre-existing circumstances or sure journey sports activities, so it’s not coverage should you’re going to do a variety of journey actions on the street.

They do provide a pair useful add-ons that I believe a variety of vacationers will recognize, together with protection for journey actions and electronics theft. That implies that should you want the protection, you possibly can pay further for it. Nonetheless, should you don’t want it then you definately don’t must pay for it, holding your prices low. I recognize that, as somebody who all the time wants digital protection however who by no means wants journey exercise protection (I’m not a giant adrenaline junkie).
 

What’s Not Coated?

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

• Alcohol- or drug-related incidents.
• Excessive sports activities & journey actions (until you buy the journey sports activities add-on, which is out there for non-US residents)
• Pre-existing circumstances or common 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 referred to as their “Full” plan). It’s insurance coverage for digital nomads, distant employees, and long-term vacationers. This new plan gives a mixture of the usual emergency protection that we’ve been discussing above together with “common” well being care protection, reminiscent of routine visits and preventive care.

The Full plan additionally gives protection in 175 nations, 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 superb thought).

It’s just like the sort of medical health insurance you’d discover in your house nation, making certain that you simply’re taken care of it doesn’t matter what occurs whilst you’re overseas.

You may be taught extra and examine the plans here.

Should 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 inexpensive, and is designed for price range vacationers. It’s the plan I take advantage of after I journey lately.

Nonetheless, should you’re going to be working overseas or touring for months (or years), then their new Complete plan is the higher choice. It gives far more protection whereas nonetheless being inexpensive. In actual fact, 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 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 typical wait time is 4 days).

Should you learn the opinions on-line, most individuals who had a destructive expertise both didn’t know in regards to 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 sooner than most firms!
 

A Notice About COVID

SafetyWing does embrace protection for COVID-19. So long as the virus was not contracted earlier than your plan begins, then will probably be lined (so long as it’s medically mandatory).

SafetyWing additionally covers quarantine prices (outdoors your private home nation) for as much as $50 USD/day for 10 days (offered that you simply’ve had your plan for at the very least 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 the perfect 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 will help you resolve if SafetyWing is best for you:

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

So, the following time you’re on the street, take into account SafetyWing. To me, they’re the perfect journey insurance coverage firm on the market for price range vacationers.

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