Safety Wing Review (Updated 2025)

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Safety Wing Review (Updated 2025)


A solo traveler jumping for joy on a large cliff

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 go away residence with out it.

Why?

Because I’ve seen firsthand how helpful it may be — and the way a lot cash it might 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 nevertheless it’s offered me with peace of thoughts as I discover.

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

Today, I wish to discuss my favourite journey insurance coverage firm: SafetyWing.

 

Who is SafetyWing?

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

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

Their normal 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 with regards to value.

Screenshot of SafetyWing insurance coverage

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 per 30 days for protection. Still very affordable, to be sincere.

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

Today I wish to overview Safety Wing and discuss when it’s — and isn’t — value utilizing so you’ll be able to higher put together to your subsequent journey and guarantee you may have the protection you want.
 

What Does SafetyWing Cover?

SafetyWing’s normal Nomad Insurance plan is the Essential plan. It’s simply $56.28 USD for 4 weeks of journey (exterior 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 resulting from 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 verify the outline of protection for any situations that apply.

Screenshot of SafetyWing insurance coverage
Screenshot of SafetyWing insurance coverage

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 superb. (If you need increased 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 won’t even want the protection supplied by SafetyWing. Additionally, it doesn’t actually cowl costly electronics, which sucks when you have a dear digital camera or video gear.

As with most traditional journey insurance policy, this one doesn’t embrace pre-existing situations or sure journey sports activities, so it’s not a great coverage for those who’re going to do plenty of journey actions on the highway.

They do supply a pair useful add-ons that I feel plenty of vacationers will recognize, together with protection for journey actions and electronics theft. That implies that for those who want the protection, you’ll be able to pay further for it. However, for those who don’t want it then you definately don’t need to 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 Covered?

The Essential plan is primarily geared in the direction of masking 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 (until you buy the journey sports activities add-on, which is out there for non-US residents)
  • Pre-existing situations 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 referred to as their “Complete” plan). It’s insurance coverage for digital nomads, distant employees, and long-term vacationers. This new plan presents a mixture of the usual emergency protection that we’ve been discussing above together with “regular” well being care protection, resembling routine visits and preventive care.

The Complete plan additionally presents 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 will probably 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 form of medical health insurance you’d discover in your house nation, making certain that you simply’re sorted it doesn’t matter what occurs when you’re overseas.

You can study extra and examine the plans right here.

The Complete plans and the Essential plan from SafetyWing

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 finances vacationers. It’s the plan I exploit after I journey today.

However, for those who’re going to be working overseas or touring for months (or years), then their new Complete plan is the higher possibility. It presents 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 in regards to the Complete plan in my devoted overview.

 

Making a Claim

SafetyWing makes it simple to file a declare by means of their on-line portal. You simply add all of the required paperwork, screenshots, and images, and wait to listen to again. While 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).

If you learn the opinions on-line, most individuals who had a unfavourable 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. But that’s fairly regular for individuals 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 will likely be lined (so long as it’s medically vital).

SafetyWing additionally covers quarantine prices (exterior your own 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).
 

Pros and Cons of SafetyWing

Here’s a glance that the professionals and cons of SafetyWing at a look that will help you determine if it’s the very best insurance coverage supplier for you and your journey:

Most inexpensive journey insurance coverage on the market

Only covers as much as age 69

Offers protection for COVID-19

Limited protection for gear/electronics

You should purchase plans on-line even for those who’re already
in your journey

Limited protection for journey actions

Easy to submit claims on-line

No journey cancellation protection

After being overseas for 90 days, you retain your
medical protection for 30 days in your house
nation (15 days for those who’re from the U.S.)

Up to 2 kids below 10 per household
(1 per grownup) will be included without spending a dime

No have to set an finish date (subscription
renews each 4 weeks)

Two totally different plans imply you’ll be able to simply discover one which works for you/your finances

 

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 likely to be extra of a precedence for a shorter-term traveler. Here’s a fast chart that will help you determine if SafetyWing is best for you:

Budget vacationers

People touring with a TON of electronics

Someone in search of easy emergency protection

Anyone needing complete journey delay
or cancellation

People with out numerous costly electronics

People doing extreme excessive sports activities/actions

Digital nomads who want medical protection
for long-term journey

 

***

Travel insurance coverage is one thing I by no means go away residence with out. I do know it’s a boring matter to examine and analysis, however it might actually prevent lots of or hundreds of {dollars} in payments! I by no means, ever go away residence with out it. You shouldn’t both.

So, the following time you’re on the highway, take into account SafetyWing. To me, they’re the very best journey insurance coverage firm on the market for finances vacationers.

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

Book Your Trip: Logistical Tips and Tricks

Book Your Flight
Find an inexpensive flight by utilizing Skyscanner. It’s my favourite search engine as a result of it searches web sites and airways across the globe so that you all the time know no stone is being left unturned.

Book Your Accommodation
You can e book your hostel with Hostelworld. If you wish to keep someplace apart from a hostel, use Booking.com because it constantly returns the most affordable charges for guesthouses and accommodations.

Don’t Forget Travel Insurance
Travel insurance coverage will defend you towards sickness, damage, theft, and cancellations. It’s complete safety in case something goes fallacious. I by no means go on a visit with out it as I’ve had to make use of it many occasions previously. My favourite firms that supply the very best service and worth are:

Want to Travel for Free?
Travel bank cards assist you to earn factors that may be redeemed without spending a dime flights and lodging — all with none further spending. Check out my information to selecting the correct card and my present favorites to get began and see the newest finest offers.

Need a Rental Car?
Discover Cars is a budget-friendly worldwide automotive rental web site. No matter the place you’re headed, they’ll be capable of discover the very best — and least expensive — rental to your journey!

Need Help Finding Activities for Your Trip?
Get Your Guide is a big on-line market the place yow will discover cool strolling excursions, enjoyable excursions, skip-the-line tickets, personal guides, and extra.

Ready to Book Your Trip?
Check out my useful resource web page for the very best firms to make use of once you journey. I checklist all those I exploit after I journey. They are the very best at school and you may’t go fallacious utilizing them in your journey.

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