Travel insurance coverage: It’s not probably the most thrilling subject, is it?
I imply, who desires to consider hospitals and missed flights whenever you’re dreaming of sipping a mojito on a white sand seashore or mountain climbing by lush, inexperienced mountains? But right here’s the factor: it’s additionally the one factor we all the time pack, proper alongside our passports and toothbrushes.
That’s why we love plans like SafetyWing’s new Nomad Insurance Essential and Complete. They’re constructed for vacationers like us – reasonably priced, versatile, and prepared for these “oh no” moments you hope by no means occur however by some means all the time do.
Get a quote for Nomad Essential or Complete now.
We realized the worth of journey insurance coverage the onerous manner. There was that point in Thailand after I (Micki) needed to spend three days within the hospital with a nasty an infection. Nothing says “romantic getaway” fairly like IV antibiotics and a hospital mattress.
Or the time in Greece when our son determined to show a serene playground cease right into a DIY episode of ER and ended up needing stitches in his ear.
And let’s not overlook our journey in Quito, Ecuador, when having the addresses of the closest hospitals actually saved us hours of panicked Googling. Spoiler alert: public Wi-Fi isn’t all the time your pal in a medical emergency.
SafetyWing presents two tailor-made insurance coverage for vacationers and digital nomads: the Nomad Insurance Essential and Nomad Insurance Complete.
The Essential plan supplies basic protection for short- to mid-term vacationers, specializing in emergency medical conditions and particular travel-related incidents.
In distinction, the Complete plan is designed for long-term vacationers and distant employees, providing complete medical insurance that features routine medical care, psychological well being assist, and prolonged journey protection. Both plans goal to supply peace of thoughts, guaranteeing you’re protected in opposition to sudden occasions throughout your journeys.
So, why can we all the time shell out for journey insurance coverage? Let’s break it down.
Medical Mishaps Happen (A Lot)
If you journey sufficient, odds are you’re going to run right into a state of affairs the place you’ll want greater than only a Band-Aid. From meals poisoning to scooter accidents, life on the street isn’t all Instagram worthy sunsets and ideal gelato. And whenever you’re navigating an unfamiliar healthcare system in one other language, having insurance coverage plan is like having a cheat sheet in your worst journey moments.
When I landed within the Thai hospital, I didn’t must stress in regards to the invoice. It was all coated. And belief me, I’ve by no means been extra grateful to not fear a couple of four-figure cost on my bank card. If you’ve ever been sick or damage whereas touring, you understand how a lot of a lifesaver this may be, each financially and emotionally.
About SafetyWing’s Nomad Insurance
SafetyWing’s Nomad Insurance presents two distinct plans tailor-made to satisfy the various wants of vacationers and digital nomads: the Essential Plan and the Complete Plan.
Who Are These Plans Designed For?
- Essential Plan: Ideal for vacationers embarking on quick to medium-term journeys who search important protection for unexpected medical emergencies and particular travel-related incidents.
- Complete Plan: Suited for long-term vacationers, digital nomads, and distant employees needing complete medical insurance that features each emergency and routine medical care, in addition to intensive journey protection.
Nomad Insurance Essential Plan
The Essential Plan is designed for vacationers searching for basic protection throughout their journeys. It’s very best for short- to mid-term journeys and supplies safety in opposition to sudden medical emergencies and sure travel-related incidents. Key options embrace:
- Medical Treatment and Hospitalization: Coverage as much as $250,000 for hospital stays, nursing care, diagnostics like MRIs, emergency dental remedies (as much as $1,000), and prolonged care post-hospitalization.
- Emergency Evacuation: If you require switch to a better-equipped medical facility, the plan covers as much as $100,000 (lifetime) for evacuation.
- Lost Checked Luggage: Reimbursement of as much as $500 per merchandise, with a most of $3,000 per coverage, for misplaced checked baggage.
- Injuries from Leisure Sports and Motor Accidents: Coverage as much as $250,000 for accidents sustained throughout leisure actions and motor accidents, offered security protocols are adopted.
- Trip Interruption and Travel Delay: Up to $5,000 for journey interruption attributable to household demise and $100 per day for as much as two days for unplanned in a single day stays attributable to journey delays.
It’s essential to notice that the Essential Plan doesn’t cowl pre-existing circumstances, maternity care, or most cancers remedies. Additionally, protection for visits to your property nation is restricted.
Get a quote for Nomad Essential or Complete now.
It’s Not Just About Health
Travel insurance coverage isn’t only for medical emergencies. Missed flights, stolen backpacks, and even journey cancellations, plan can cowl all of it. Imagine this: You’re on the airport, able to board your dream flight to Bali, and immediately you’re advised there’s a mechanical difficulty. Your flight’s delayed by 12 hours, and also you’re caught. With the proper insurance coverage, you’re not paying for that last-minute airport resort out of pocket.
Or what about that point in Ecuador? We weren’t simply relieved to have hospital addresses, we additionally had assist to information us on the place to go, what to do, and the way to deal with all of it. That type of assistance is priceless whenever you’re removed from house.
Nomad Insurance Complete Plan
The Complete Plan is tailor-made for long-term vacationers, digital nomads, and distant employees who want complete medical insurance mixed with prolonged journey protection. This plan presents extra intensive advantages, together with:
- Medical Treatment and Hospitalization: Enhanced protection as much as $1,500,000, encompassing hospital stays, nursing care, diagnostics, emergency dental remedies (as much as $1,000), and prolonged post-hospital care.
- Emergency Evacuation: Similar to the Essential Plan, it supplies as much as $100,000 (lifetime most) for evacuation to better-equipped amenities.
- Lost Checked Luggage and Stolen Belongings: Reimbursement of as much as $500 per merchandise for misplaced baggage and as much as $5,000 for stolen private belongings.
- Injuries from Motor Accidents: Coverage as much as $1,500,000, with adherence to security tips.
- Injuries from Leisure Sports: Coverage as much as $250,000.
- Trip Interruption, Travel Delay, and Cancellation: Benefits embrace as much as $5,000 for journey interruption, $150 per day for as much as three days for journey delays, and $300 per journey (as much as $600 per yr) for journey cancellations attributable to unexpected circumstances.
- Routine and Preventative Care: Coverage of as much as $5,000 for physician and specialist visits, $300 for routine check-ups and preventative care, and wellness therapies similar to chiropractic classes and acupuncture.
- Cancer Treatments and Maternity Care: Comprehensive protection for most cancers remedies as much as $1,500,000 and maternity care with a $2,500 restrict after a 10-month ready interval.
The Complete Plan additionally excludes pre-existing circumstances and requires candidates to be between the ages of 18 and 74.
Get a quote for Nomad Essential or Complete now.
How Can These Plans Help?
Both plans provide monetary safety and peace of thoughts throughout your travels. The Essential Plan ensures you’re coated for sudden medical emergencies and sure journey mishaps, stopping potential monetary burdens. The Complete Plan supplies an all-encompassing security internet, protecting each emergency conditions and routine healthcare wants, making it an appropriate substitute for conventional medical insurance whilst you’re overseas.
By selecting the plan that aligns along with your journey type and healthcare wants, you possibly can focus in your adventures, figuring out that SafetyWing has you coated.
Peace of Mind is Priceless
Let’s be actual: Travel is unpredictable. That’s a part of what makes it wonderful, however it’s additionally why insurance coverage issues. We love figuring out that irrespective of the place we’re or what goes mistaken, we have now a security internet. And with plans like SafetyWing’s Nomad Insurance Essential or Complete, it’s simpler (and cheaper) than ever to guard your self.
So, do you actually need journey insurance coverage? Well, ask your self this: Can you afford to not have it? After our adventures, I can inform you, it’s one funding we’ll by no means skip. And actually, having that peace of thoughts makes our mojitos style even higher.