Safety Wing Review (Updated 2025)

Price range 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 go away 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 could actually save.

I’ve misplaced baggage, had my digital camera 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 supplied 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.

Immediately, I need 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 need to be both to get protection). It’s run by nomads and expats who know precisely what such vacationers want.

SafetyWing gives primary insurance coverage (referred to as “Nomad Important”) for a fraction of what different corporations cost, though they’re additionally much less complete. To me, they’re the very best general 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 with regards to worth.

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 affordable, to be sincere.

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

Immediately I need to evaluate Security Wing and speak about 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 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 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 resulting from 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 demise or dismemberment
• $20,000 USD for repatriation of stays

Make sure you verify the outline of protection for any situations 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. (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 provided by SafetyWing. Moreover, it doesn’t actually cowl costly electronics, which sucks in case you have a dear digital camera or video gear.

As with most traditional journey insurance coverage, this one doesn’t embrace pre-existing situations or sure journey sports activities, so it’s not a superb coverage when you’re going to do loads of journey actions on the street.

They do supply a pair useful add-ons that I feel loads of vacationers will admire, together with protection for journey actions and electronics theft. That implies that when you want the protection, you’ll be able to pay additional for it. Nonetheless, when you don’t want it you then don’t need to pay for it, protecting your prices low. I admire that, as somebody who at all times 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 protecting medical emergencies and primary 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 (except you buy the journey sports activities add-on, which is on the market for non-US residents)
• Pre-existing situations 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 staff, 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, akin to routine visits and preventive care.

The Full plan additionally gives protection in 175 international locations, 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 feel is a good concept).

It’s just like the type of medical health 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 possibly can be taught extra and evaluate the plans here.

If you happen to’re simply heading out for a pair weeks or a pair months, SafetyWing’s Important plan is the choice for you. It’s good for emergencies, is tremendous inexpensive, and is designed for price range vacationers. It’s the plan I take advantage of once I journey nowadays.

Nonetheless, when you’re going to be working overseas or touring for months (or years), then their new Complete plan is the higher possibility. It gives far more protection whereas nonetheless being inexpensive. In actual fact, it’s the plan I want I had once I began touring long-term!

You can learn more about the Complete plan in my dedicated review.

Making a Declare

SafetyWing makes it straightforward to file a declare by their on-line portal. You simply add all of the required paperwork, screenshots, and images, 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).

If you happen to learn the opinions on-line, most individuals who had a adverse 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 aspect, SafetyWing’s common time to deal with a declare is down to simply 4 days. That’s manner quicker than most corporations!
 

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 obligatory).

SafetyWing additionally covers quarantine prices (outdoors your private home nation) for as much as $50 USD/day for 10 days (supplied that you just’ve had your plan for not less than 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 very 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 could 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 go away dwelling with out. I do know it’s a boring subject to examine and analysis, however it could actually actually prevent a whole lot or hundreds of {dollars} in payments! I by no means, ever go away dwelling with out it. You shouldn’t both.

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

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