Safety Wing Review (Updated 2025)

Funds 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 will possibly 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 supplied 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.

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 funds 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 gives fundamental insurance coverage (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 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 way in which to age 69, nonetheless, vacationers aged 60-69 ought to count on to pay upwards of $196 USD monthly for protection. Nonetheless very cheap, to be sincere.

However is the protection really good? What concerning the customer support?

In the present day I wish to overview Security Wing and speak about when it’s — and isn’t — value utilizing so you possibly can higher put together to your subsequent journey and guarantee you might 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 simply $1.87 USD per day!

For vacationers below age 64, that plan consists of 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

You should definitely 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 ought to be wonderful. (In order for you greater 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 supplied by SafetyWing. Moreover, it doesn’t actually cowl costly electronics, which sucks if in case you have a dear digicam or video gear.

As with most traditional journey insurance coverage, this one doesn’t embody pre-existing circumstances or sure journey sports activities, so it’s not an excellent coverage if you happen to’re going to do a number of journey actions on the highway.

They do supply a pair useful add-ons that I feel a number of vacationers will admire, together with protection for journey actions and electronics theft. That signifies that if you happen to want the protection, you possibly can pay additional for it. Nonetheless, if you happen to don’t want it then you definitely don’t need to pay for it, retaining 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 Coated?

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

• Alcohol- or drug-related incidents.
• Excessive sports activities & journey actions (except you buy the journey sports activities add-on, which is accessible for non-US residents)
• Pre-existing circumstances or basic 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 gives a mixture of the usual emergency protection that we’ve been discussing above together with “common” well being care protection, equivalent to routine visits and preventive care.

The Full plan additionally gives protection in 175 nations, consists of 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 feel 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 may study extra and examine the plans here.

In the event 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 funds vacationers. It’s the plan I take advantage of after I journey lately.

Nonetheless, if you happen to’re going to be working overseas or touring for months (or years), then their new Complete plan is the higher choice. It gives way 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 via their on-line portal. You simply add all of the required paperwork, screenshots, and pictures, 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 common wait time is 4 days).

In the event you learn the opinions on-line, most individuals who had a detrimental 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 folks to complain about.

On the plus facet, SafetyWing’s common time to deal with a declare is down to simply 4 days. That’s method sooner than most corporations!
 

A Word About COVID

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

SafetyWing additionally covers quarantine prices (outdoors your own home nation) for as much as $50 USD/day for 10 days (supplied 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 may 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 subject to examine and analysis, however it will possibly actually prevent a whole bunch 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, think about SafetyWing. To me, they’re one of the best journey insurance coverage firm on the market for funds vacationers.

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