SafetyWing Insurance Review 2021: Top 5 Features & Pricing (Pros & Cons) Is SafetyWing Nomad Insurance Legit?

Affiliate disclosure: In full transparency – some of the links on our website are affiliate links, if you use them to make a purchase we will earn a commission at no additional cost for you (none whatsoever!).

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Reliable

Pros

  • Coverage for incidental home visits
  • One $250 deductible covers the whole year
  • Don’t have to know where and when you’re traveling to get coverage
  • Can buy pro-rated policies less than the 28 days/four-week plans
  • Policies are administered by Tokio Marine
  • Death Benefits
  • Political evaluation
  • Travel delays
  • Lost Checked Baggage
  • Border entry Protection

Cons

  • New company still adding features
  • No coverage for people 70 and older
  • Plan cost doubles and triples as you get older

straightforward policy designed for digital nomads, SafetyWing was made with you in mind. One of the greatest things about it is you don’t have to know where you’re heading in advance or how long you’re going to be gone. This pay-as-you-go policy is simple and straightforward.

Rating
Price:$ 40

Looking for an unbiased SafetyWing review, i’ve got you covered.

In this post, I have featured my trustworthy and honest SafetyWing Review 2021 that includes detailed insights of its pricing, features, terms cover, and more. Let’s get started here.

Bottom line Upfront:

SafetyWing is one of the recent players in the travel insurance industry. If you are looking for reliable adventure travel insurance this is the right choice. It not only provides the best travel insurance policy but also offers covid -19 coverage.

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You may have questions with SafetyWing Insurance Review like this: I will explain everything in detailed

– Is SafetyWing Nomad insurance legit?

– Is SafetyWing any good?

– What does SafetyWing cover?

– What is considered trip interruption?

– What are the pros and cons of SafetyWing?

– How much does SafetyWing cost?

Features: SafetyWing has integrated with all of your travel insurance to provide protection while you are on the road.

Advantages: SafetyWing insurance covers technical incidents that may happen while traveling, such as airline cancellations. It also gives you peace of mind knowing your policy is in place if you ever need it.

Benefits: Your policy includes medical cover including hospitalization and repatriation to a safe country if a medical emergency occurs. And a one-off payment will get you covered for the cost of the trip even if an issue does occur.

Summary

SafetyWing Insurance Review 2021: Is It Worth Your Try?? (HONEST REVIEW)

Who Are SafetyWing?

SafetyWing Review

It’s likely that you’ve never heard of SafetyWing because they’re still a relatively young company. SafetyWing is one of the newest travel insurance providers in the industry, having been launched in 2018 by Norwegians and situated in the United States.

If you’re worried about handing your health to a babysitter, don’t be. Tokio Marine, one of Japan’s largest and most established insurance companies, is SafetyWing’s insurance partner, and the insurance is underwritten by Lloyds. Furthermore, insurers must undergo extensive vetting and have, erm, insurance in place before they are permitted to trade.

Because SafetyWing is still a young firm, it’s likely that you’ve never heard of them. SafetyWing is one of the industry’s newest travel insurance carriers, having been founded by Norwegians in 2018 and based in the United States.

Don’t be concerned about entrusting your health to a babysitter. SafetyWing’s insurance is underwritten by Lloyds and is provided by Tokio Marine, one of Japan’s largest and most established insurance companies. Furthermore, before being allowed to trade, insurers must undergo intensive vetting and have, umm, insurance in place.

What Destinations Are Covered?

With SafetyWing you can travel to anywhere in the world outside of your home country. Iran, North Korea, and Cuba except for US citizens who have been granted permission by the US government to visit Cuba.

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What’s Covered?

SafetyWing offers a single policy that provides the same benefits to everyone who signs up, including:

1. Medical expenses

This policy covers hospital charges for daily room and board and nursing care in a semi-private room or intensive care unit as well as common inpatient supplies and services. Emergency treatments of injuries and illnesses are also covered as are necessary surgical procedures and diagnostic testing. Local ambulance transportation is covered as well.

Some dental procedures are covered as well if it treats teeth damaged in a covered accident or to resolve pain. Eye exams are covered, too, if lenses or contacts are damaged due to a covered incident and you need a replacement.

2. Emergency Medical Evacuation

This covers air transportation to the nearest hospital or ground transportation as well as ground transportation to the aircraft and then from the aircraft to the facility if necessary.

3. Trip Interruption

One-way economy plane tickets or ground transportation is covered for you to get home or return to your trip after being treated for an illness or injury. Each minor child covered under the policy is entitled to this transportation as well and maybe returned home if the supervising adult is unable to care for the child.

4. Death Benefits

Bodily remains or ashes will be returned to your residence via air or ground transportation as well as the costs to prepare the remains for travel. You may also be buried or cremated in the country of death in lieu of repatriation of remains.

5. Political Evacuation

In the event that you need to be evacuated for your safety, this policy covers transportation to your home or the nearest safe country. Safety Wing makes this determination.

6. Travel Delays

For delays longer than 12 hours due to covered reasons, this coverage reimburses you for meals and accommodations during an unplanned overnight stay.

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7. Lost Checked Baggage

Checked luggage on an airline or cruise line that is lost is covered but is not to exceed $500 for any one item. This amount will be reduced accordingly for anything you recover from the carrier.

8. Lost or Stolen Visa or Passport

This policy covers reasonable costs to replace passports or travel visas with proper police reports and other documentation.

9. Natural Disasters

In the event that a natural disaster occurs and you are forced to evacuate, this policy covers alternate accommodations.

10. Border Entry Protection

Those traveling to the US on a Visitor Visa B-2 for vacation, visiting family and friends are covered if they are denied entry to the US. Reimbursement for one-way tickets back to the country of origin or carrier change fees.

11. Pet Return

This policy includes coverage for returning pets via economy air or ground transportation.

12. Accident, Accidental Death, and Dismemberment

In the event that you die overseas, SafetyWing pays the amount defined in the Schedule of Benefits to your beneficiary. You are also covered for loss of limbs or eyes.

13. Crisis Response

SafetyWingSafety Wing Insurance Review - Cricis Responce

Ransom, fees and expenses, and loss of personal belongings are covered. See exceptions below to find out what’s not covered.

14. Terrorism

Coverage includes any medical expenses you incur as a direct result of an act of terrorism.

Please note that there is a lot of fine print and details associated with this policy. This is a very quick and limited rundown of all the things SafetyWing has to offer. A detailed policy description of the policy coverage and limits is easily available on their website. You can read the entire policy before you commit to signing up, which is transparency that not a lot of companies offer.

What Activities Are Covered with SafetyWing?

Some sports activities are covered as long as they are being played recreationally. This policy does exclude a lot of activities (see below) but here are some that are covered:

  • Angling
  • Archery
  • Badminton
  • Ballooning
  • Baseball
  • Biking
  • Bowling
  • Bungee jumping
  • Bushwalking up to 4,500 meters
  • Camel riding
  • Camping under 4,500 meters
  • Canoeing
  • Canyoning
  • Clay pigeon shooting
  • Cricket
  • Cycling under 4,500 meters
  • Deep-sea fishing
  • Elephant riding
  • Golf
  • Hiking up to 4,500 meters
  • Horse riding
  • Hot air ballooning as a passenger
  • Hunting (excluding big game)
  • Ice skating (indoor or outdoor)
  • Kayaking
  • Mountain biking up to 4,500 meters
  • Paintballing
  • Rifle range shooting
  • Roller skating
  • Rowing
  • Safari tours
  • Sailing
  • Skateboarding
  • Skiing
  • Sleigh rides
  • Sledding
  • Stand up paddle surfing
  • Stilt walking
  • Swimming
  • Table tennis
  • Tennis
  • Tubing
  • Volleyball
  • Wakeboarding
  • Walking
  • Water skiing
  • Zip Lining

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What’s Not Covered In SafetyWing?

Here are some of the activities excluded from coverage:

  • American Football
  • Base Jumping
  • Big Game Hunting
  • Bobsleigh
  • Boxing
  • Cave Diving
  • Hang-Gliding
  • Hot Air Ballooning as a Pilot
  • Ice Hockey
  • Jousting
  • Kite-Surfing
  • Luge
  • Martial Arts
  • Motorized Dirt Bikes
  • Mountaineering at elevations of 4,500 meters or higher
  • Parachuting
  • Paragliding
  • Parasailing
  • Quad Biking
  • Racing
  • Rugby
  • Running with the Bulls
  • Sky Surfing
  • Snow Mobiles
  • Spelunking
  • Tractors
  • Whitewater Rafting
  • Wrestling

Kidnappings that begin in Pakistan, Afghanistan, Iraq, Somalia, Venezuela, Nigeria, or any other country sanctioned by the U.S. or Foreign Assets Control are not covered under this policy. Express kidnappings are also not covered.

Travel to Iran, North Korea, and Cuba is not covered, with the exception of US citizens who have government permission to travel to Cuba.

There are a lot of general exclusions as well. Some of these include:

  1. Pre-existing conditions
  2. Mental health disorders
  3. Sexually transmitted diseases
  4. HIV/AIDS
  5. Cancer
  6. Substance abuse
  7. Sleep disorders
  8. Suicide
  9. Self-inflicted injury
  10. Injury as a result of intoxication
  11. Injury as a result of driving while impaired
  12. Organ transplantation
  13. Exercise programs
  14. Unusual, excessive, or unreasonable charges

How Does SafetyWing Work?

This policy is pretty simple because there aren’t a lot of options. The same coverage applies to everyone but the biggest thing that affects the cost is age.

For travelers aged 10 to 39, a Safety Wing insurance policy costs $36.96 for four weeks/28 days of coverage. Travelers 40 to 49 pay $59.92 for this same period of time, those 50 to 59 pay $94.08, and those between ages 60 and 69 pay $127.68. If you’re over 70, there is no coverage available through the website but you may be able to get coverage for a premium.

How Much Does SafetyWing Travel Insurance Cost?

Now for the ones and zeros. In fact, how did we make it this far into our review without mentioning the price? SafetyWing Travel Insurance is available for as little as $37 for a period of 28 days. This is a terrific deal when compared to other private medical insurance coverage, which can cost hundreds of dollars.

The monthly premium for SafetyWing varies depending on a number of factors, including the applicant’s age. If you want to go backpacking in the United States, you’ll have to pay a greater price (because of the expensive American healthcare system).

Age Cost For 4 Weeks Cost For 4 Weeks (Inc USA)
18 – 39 $37 $68
40 – 49 $60 $111
50 – 59 $94 $184
60 – 69 $128 $251

These rates are really affordable and among the most competitive we’ve encountered – and we’ve looked at a lot of travel insurance companies. Quotes are given on an individual basis. If you’re interested, we recommend that you go to the official SafetyWing website and create your own.

SafetyWing Remote Health Policy

SafetyWing just introduced a second policy, Remote Health, which is more expensive than the regular policy but may still be a reasonable investment for individuals looking for more comprehensive coverage. Remote Health was a pioneering form of occupational health insurance for the age of the Digi Nomad, originally developed to support remote working teams.

SafetyWing, on the other hand, has refined the concept and made it available to individuals. Remote Health differs from traditional health insurance in a number of ways, providing more comprehensive coverage. Importantly, it may be able to cover pandemics such as the COVID-19 epidemic in 2020, which is attracting an increasing number of travellers.

How to make a claim?

It’s unlikely that you’ll ever need to make a claim on your travel insurance. If you do, you’ll be relieved to learn that if you’re working with a trustworthy company, the process is usually pretty simple and user-friendly. If you aren’t, may the gods assist you.

To start a claim, simply contact (phone) SafetyWing and speak with their multilingual team 24 hours a day, 7 days a week. You can also file a claim by logging into your account on their website.

You’ll need to write a formal sworn statement of events in the case of lost or stolen things, stating what transpired and what was lost. You will also require an official police record; it is critical that you obtain one, even if it involves paying a fee or bothering the police department.

You may be contacted by the insurer to discuss your claim further, and you may even be subjected to an interview. If your claim is valid, you have nothing to be concerned about. It’s a good idea to gather all of your receipts and invoices first and submit all of your expenses for your claim at the same time. Keep copies of any expenses, bills, invoices, and reports since you’ll need to send them to the claims team in order for them to evaluate your claim.

Answer all additional questions and list each expense for the amount stated on your receipt/invoice. You’ll receive an email with instructions on how to submit the evidence you’ll need to back up your claim.

After that is completed, you must upload all of your documents and information, evaluate the claim, and then click submit. The SafetyWing team will get to work and keep you informed throughout the process. It’s worth noting that the time it takes to resolve a case differs from one to the next.

SafetyWing Review: Alternatives

Are you unsure if SafetyWing Travel Insurance is right for you? Perhaps you believe you require a higher level of protection? Or perhaps you’re interested in SafetyWing but want to see what else is available before making a decision?

There are plenty of additional travel insurance companies to choose from. In fact, there may be too many! In this area, we’ll take a quick look at a few additional well-known, specialised travel insurance providers with whom we’ve had good experiences.

1. World Nomads

World Nomads is without a doubt one of our favourite travel insurance companies. They, like SafetyWing, provide backpacker insurance.

In general, the levels of coverage for medical emergencies and evacuations are quite similar to SafetyWing. World Nomads, on the other hand, offers two different programmes, depending on how much coverage you want and what you plan to do. Trip cancellation, electronic device, and theft coverage are also included in World Nomads’ insurance.

Over 140 nations are covered by Word Nomads. They can also cover a variety of adventure sports not covered by SafetyWing. They do not, however, provide Home Country coverage or open-ended coverage.

World Nomads’ coverage appears to be a little more extensive than SafetyWing’s, but it is also somewhat more expensive. It may be better suited to adventure tourists and more traditional backpackers than Nomads.

2. Alpha Travel Insurance

Alpha Travel Insurance is another suggested travel insurance provider for backpackers and long-term travellers. Alpha provides coverage for trips of up to 24 months. This is perfect for a two-year working vacation in Australia! Most providers only cover up to 12 months, so you’ll get twice as much coverage.

You can choose from the following insurance products with Alpha: Single Trip, Multi-Trip, Long-Stay, and Winter Sports. With plans starting at just $0.50 per day, Alpha is a good deal for backpackers looking to travel long-term.

SafetyWing vs. World Nomads

So, before we get into my personal experience with SafetyWing, let’s see how it stacks up against the other most popular long-term travel insurance options. (See my best insurance for digital nomads guide for a full comparison of the top five travel insurance companies, as well as images of all my travel injuries.)

So, when compared to all of these other travel insurance firms, SafetyWing is unquestionably the best value for money (unless you need a specific type of coverage). Some insurance providers, such as World Nomads, provide more comprehensive coverage than SafetyWing.

But it’s also a fraction of the cost. Prices differ depending on your age, country of origin, and other criteria. The key coverage differences between Safetywing and World Nomads are shown below. Because World Nomads coverage differs by home nation, if you don’t live in the United States, double-check these details:

SafetyWing

  • Does not cover stolen or lost belongings.
  • Covers some adventure activities—see exclusions here (page 25).
  • Coverage limits in home country
  • $250 deductible per POLICY
  • Coverage excludes North Korea, Cuba, and Iran

World Nomads

  • Covers lost and stolen belongings (limits depend on plan).
  • Covers a wider range of adventure activities.
  • U.S. coverage for U.S. citizens (>100 miles from home).
  • $100 deductible per CLAIM (varies by country of residence)
  • Coverage worldwide

If SafetyWing doesn’t cover activities you want to do or has equipment you need covered (like a digital nomad laptop), it’s clear that you need to locate another provider. If not, you may find that World Nomad’s additional coverage isn’t necessary for your needs—especially given that it might cost THREE to FIVE TIMES MORE each month.

Another thing to keep in mind when choosing between World Nomads and SafetyWing is this:

Both companies have affiliate programs, but World Nomads pays better commissions.

That means that if you search for “best long-term travel insurance,” every site you see will receive a commission if you buy through their links (including me). Because websites receive a bigger fee if you buy World Nomads, that’s usually what they promote.

Now, I’m not implying that World Nomads are inherently flawed. It’s a fantastic business (before SafetyWing, I used and loved their services). But keep that commission tidbit in the back of your mind when you conduct your research—most evaluations are skewed in some way.

SafetyWing Pros and Cons:

Pros

  • Coverage for incidental home visits
  • One $250 deductible covers the whole year
  • Don’t have to know where and when you’re traveling to get coverage
  • Can buy pro-rated policies less than the 28 days/four-week plans
  • Policies are administered by Tokio Marine

Cons

  • New company still adding features
  • No coverage for people 70 and older
  • Plan cost doubles and triples as you get older

Who Is SafetyWing Travel Insurance Suitable For?

So what makes SafetyWing unique amongst other travel insurance providers, and who is their cover the perfect cover for? SafetyWing understands that there is a lot more to travel than a 2-week vacation. They appreciate that many of us set off with a one-way ticket, no itinerary, and have no idea when we will be coming back. Therefore SafetyWing may be suitable for;

  • Long Term Travellers

SafetyWing is unique in that it provides unlimited travel insurance. You can travel the world for years and still be insured as long as your premiums are paid.

  • One Way Travellers

As previously stated, your vacation does not need to end on a specific date in order for the insurance to be effective!

  • Digital Nomads

As a digital nomad, you travel from one location to the next, working and hustling along the way. With this policy, you can travel the world for years at a time. If you’re a long-term digital nomad, there’s a good chance you’ll need to see a doctor about something.

  • Travellers With Kids

This is yet another interesting feature. The coverage covers one small kid per adult, with a maximum of two children per family, aged 14 days to ten years old. So, if both you and your partner buy the policy, you get two free children as long as they are under the age of ten! If your child is older than ten, you should inquire about separate or supplementary coverage.

Who isn’t SafetyWing Travel Insurance Suitable For?

SafetyWing specialises in long-term backpacker and digital nomad travel insurance. This is a huge and rapidly expanding market. This type of cover, on the other hand, isn’t appropriate for everyone. SafetyWing may not be the best travel insurance available.

  • Conventional Holidaymakers

If you’re going on a traditional two-week vacation in the sun, there are likely to be a number of travel insurance carriers more suited to your needs who can cover you for less money than SafetyWing.

  • Travellers Who Need Comprehensive Cover

SafetyWing is a specialised cover, not a comprehensive one. Trip cancellation coverage, for example, is not included.

  • Adrenaline Junkies

Extreme sports like white water rafting, running with the bulls, and being shot out of cannons are not covered by SafetyWing. If you require this level of protection, you should look for another service.

Why Should You Use Safety Wing Insurance?

  • Coverage for incidental home visits is great for someone constantly traveling for work who is only home for short periods of time.
  • Policies are administered by Tokio Marine, one of the largest insurance companies in the world.
  • This is the best option for people who travel a lot but don’t always know when they’re heading to the next location or where they’re going.
  • Affordable rates cover periods of 28 days or four weeks.
  • If you no longer carry insurance in your home country because you travel constantly and are never home, this is a great option that even covers you for 30 days (15 days in the US) within every 90 days if you return home for an incidental visit.
  • Customer service is available 24 hours a day and very responsive.

SafetyWing in Action: Enelin’s Case Study

Imagine walking through the streets of Rio De Janeiro, being happy and carefree, traveling, working abroad, and living your life.

Now imagine that, without warning, things suddenly take a turn for the worse. You trip and fall, and get seriously injured.

What do you do with SafetyWing?

Thankfully, when this happened to SafetyWing team member Enelin Paas, she was insured.

While on her way home, she smashed her toe after falling through a rocky hole in the street. She thought little of it and decided to continue on with life, expecting the pain and swelling to fade away within a few days.

But the pain got worse, and the swelling got larger.

Five days after the incident, due to an abnormal amount of pain and inflammation, she decided it was time to go to the doctor.

The doctor told her that the toe had become infected, and immediately started her on a course of antibiotics.

Enelin, being the smart digital nomad that she is, was fully insured through SafetyWing’s digital nomad insurance plan.

After receiving the antibiotics from the pharmacy, she signed onto the online claim portal and downloaded a PDF of the medical claim form from the insurance provider. After filling it out, she sent to it to the designated claim email address along with receipts from the hospital and pharmacy.

Within 24hrs, they sent her back an email saying that they received the claim”

The email noted that they would evaluate the claim and send out a letter with the results of the review which would also detail any potential next steps.

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They also made note of how Enelin could track each step of the claim process via their online portal, Client Zone.

Then, one month later, on June 19th, Enelin got a letter with the results of the insurance review.

They agreed with the claim and sent her a letter explaining her policy, her benefits, and information on how to appeal the claim if she felt the decision was inappropriate.

Because her SafetyWing insurance plan had a $250 deductible, the money she paid to the doctor and pharmacy was subtracted from that deductible. Now, if anything else happens in the next 11 months, her deductible drops to $141.20 (the medical bills cost $108.80).

That deductible resets to $250 after one year.

Overall, Enelin felt comfortable with the process and with the coverage that SafetyWing provides. She found that making a claim was super simple as she only had to send out one email and could continually check on the status of the claim as it was being processed.

So next time she trips and falls — anywhere in the world — she knows she’s covered.

Stories like Enelin’s are not uncommon.

Every day, digital nomads around the world live and work abroad, and they need to be protected from the potential hazards that exist in each travel destination.

Because whether you’re relaxing on the beach in Bali or back at home during the holidays or walking along a rocky road in Rio De Janeiro, you need to have insurance.

SafetyWing is currently the only insurance provider with insurance plans specifically designed to meet the growing needs of digital nomads. 

Check out SafetyWing.com for a complete explanation of how each comprehensive insurance policy strives to fully cover the insurance demands of all the digital nomads in the world.

Why do we recommend SafetyWing Insurance?

There are a number of reasons why SafetyWing Insurance makes a compelling case as the best insurance for long term travel and digital nomads around the world.

SafetyWing is very affordable

SafetyWing Insurance is unquestionably one of the most affordable alternatives on the market, making them an excellent choice for budget backpackers or digital nomads who are just getting started and don’t want to spend a lot on insurance.

Their costs start at $40.04 for four weeks, which covers persons under the age of 39 who are not travelling in the United States. If you fly to the United States, the price rises to $73.08 for four weeks (this option is only available to non-US citizens). With their cheapest plan costing only roughly $1.43 per day, you can practically get protected for the price of your daily coffee in many cities across the world!

Prices for 40 to 49-year-olds climb to $64.68 for four weeks, $101.64 for four weeks for 50 to 59-year-olds, and $137.76 for four weeks for 60 to 69-year-olds. All of these costs are for insurance that does not cover travel to the United States. Click here to get a Safetywing estimate, or fill out your information in the box below to get an estimate tailored to your unique circumstances and travel dates.

Flexible Policies

One of the best things about SafetyWing is how flexible they are when it comes to acquiring a policy. Many long-term travellers and digital nomads don’t know how long they’ll be on the road, thus SafetyWing makes sure you don’t overpay for coverage you don’t require.

You’ll be charged every four weeks for their normal policy, and you can cancel at any moment during that time if you don’t need coverage for the next four weeks. You will be requested to renew when a 364-day term has passed.

SafetyWing also allows you to purchase a fixed-length policy, similar to a regular travel insurance policy, and unlike many other firms, you can purchase coverage while on the road. If you need proof of health insurance for any visa applications, the former is extremely useful.

Worldwide Coverage

Your SafetyWing Insurance policy covers you as long as you do not travel to North Korea, Cuba, or Iran. Benefits for things like kidnapping in high-risk nations are also subject to some restrictions. However, for the most part, you can travel anywhere in the world and be confident that you are protected.

Lots of Activities Covered

SafetyWing’s rules cover a wide range of sporting activities, allowing you to completely enjoy the places you’re visiting! SafetyWing covers you for activities such as scuba diving, joining a local gym, taking yoga courses, and climbing popular hiking paths. When purchasing an insurance, make sure to read the full list of activities covered in the Terms & Conditions to avoid any unpleasant surprises if you need to file a claim.

Some Home Coverage Included

One of the drawbacks of traditional travel insurance policies is that they frequently exclude coverage for trips to your own country. By giving some coverage in the policyholder’s home country, SafetyWing once again establishes itself as one of the top insurance solutions for long-term travel.

If your home nation is the United States, you are protected for up to 15 days every 90 days, or up to 30 days if your home nation is anywhere else. Keep in mind that you are only insured for occurrences that occur while you are in your home country, so you can’t go back home for treatment and expect to be covered under their coverage. Nonetheless, this function is a significant advance above what other insurance companies provide.

24/7 Support Provided

If something goes wrong while you’re on the road, you can be assured that SafetyWing provides 24/7 help to its policyholders. They feature an online directory of hospitals and medical providers, as well as a hotline you may contact 24 hours a day, 7 days a week to speak with a staff member.

It Covers COVID-19 & Quarantine

COVID-19 is now covered by SafetyWing’s nomad insurance as of August 2020. This means that if you get the virus while travelling overseas after the start of your coverage, you will be covered! Because the coverage functions similarly to that for other conditions, it will be subject to the same policy limitations and exclusions. This covers coverage for testing if a medical professional orders it, but not for antibody testing. More information on this can be found here.

Safetywing also enhanced their coverage to include COVID-19 quarantine fees in May 2021. They will pay up to $50 per day for up to ten days if you are required to quarantine by the government or a doctor as a result of testing positive or if you are experiencing symptoms while waiting for your test results.

This policy only covers quarantine outside of your own country and excludes any scheduled quarantine in a hotel.

Family Friendly

If you’re travelling with your family, SafetyWing allows you to include up to two children under the age of ten in your policy for free. There is a restriction of one child per adult, but if you’re travelling with your partner, you can cover two children for free!

Why don’t we have SafetyWing Insurance?

As one of the most cost-effective plans now available, it’s critical to understand the product’s restrictions so you can make an informed decision about whether it’s good for you.

It’s not a travel insurance policy

SafetyWing bills itself as a travel medical insurance policy, which implies it doesn’t cover a lot of things that a standard travel insurance policy would.

While there is some coverage for trip interruption, lost luggage, and travel delays with SafetyWing, there are a few major exceptions. For example, you are not covered for any theft of devices (even if it is part of your lost luggage), which is a major concern for many nomads who rely on their electronics to make a living! Trip cancellations are also not covered, which may be a worry for long-term travellers who book flights in advance.

Despite the policy’s travel exclusions, SafetyWing’s inexpensive pricing suggest you might be better off protecting them individually through other third parties (e.g., acquiring separate electronics insurance) and still spend significantly less than traditional travel insurance. SafetyWing has informed us that they want to introduce electrical cover in the future.

It’s not a replacement for traditional health insurance

SafetyWing’s nomad insurance isn’t meant to be a replacement for traditional health insurance, just as it isn’t meant to be a replacement for traditional travel insurance. This implies that while you will be covered if you get sick or have an accident while travelling, you will not be covered for most pre-existing conditions or routine checks.

If you’re seeking an alternative to standard health insurance, check out their recently announced remote health policy. It is aimed towards nomads and expatriates who do not have health insurance in their home country and who spend the majority of their time in one country rather than travelling frequently. It also covers additional items such as pre-existing conditions.

Certain sports aren’t covered

While the majority of the activities not covered by SafetyWing are unlikely to be of concern to the average traveller, there are a few things to keep in mind when choosing whether SafetyWing is the right long-term travel insurance for them.

Some types of football, such as American and Australian Rules, aren’t covered by their coverage, which means that if you get hurt playing a friendly game, you could not be protected. Other water sports, such as paragliding and white water rafting, are also not covered, so read the policy exclusions list carefully before buying an insurance.

In the future, SafetyWing intends to expand its extreme sports and activities coverage.

A Quick Overview of SafetyWing

  • Amounts up to $250,000 may be covered in the event of a medical emergency. This also includes $1,000 in emergency dental care, which is ideal if you want to go gutter boxing at 2 a.m.
  • Up to $100,000 in medical evacuation coverage may be available. It’s important to note that medical evacuation refers to being taken to a hospital in your own country, not being rescued from a mountain after breaking your leg while hiking.\
  • Up to $10,000.00 in emergency evacuation coverage in the event of civil disturbance or something similar. So, if London devolves into riotous, deadly chaos as a result of Brexit, you may book a journey home, or simply to safety in Paris!
  • In the event of a natural disaster, hotel costs could be covered for up to $100 a day for up to five days.
  • While trip cancellation is not covered, trip interruption is covered up to $5,000.00. This means that if you have to cut your trip short, you could be eligible for up to $5,000 in reimbursement to assist you get home.
  • Luggage can be replaced for up to $3,000 if it is lost. However, keep in mind that each item’s maximum value is $500. As a result, if you intend to check that diamond necklace, you might want to get a different cover.

SafetyWing Review: Frequently Asked Questions

💥Do SafetyWing Insure Electronic Devices?

Electronic devices are not covered by SafetyWing. This is due to the fact that most Digital Nomads have specialist gadget insurance. I recommend acquiring adequate protection for your expensive electrical items.

👍What Countries Are Covered by SafetyWing?

Over 100 nations are covered by SafetyWing. They are unable to provide any coverage for visits to North Korea, Iran, or Cuba. Kidnap and crisis coverage is not available in Iraq, Afghanistan, Somalia, Nigeria, Pakistan, or Venezuela, or in any other country where US financial sanctions prevent them from doing so.

✔ Is SafetyWing the Best Travel Insurance for Digital Nomads?

It's impossible to declare which provider or insurance plan is the finest. SafetyWing's mission, on the other hand, is to offer cover for nomads, by nomads. At a great price, they provide specialised, powerful coverage for Digital Nomads.

✔ Is SafetyWing the Cheapest Travel Insurance on the Market?

SafetyWing is without a doubt one of the most affordable dedicated travel insurance providers we've come across.

✔Does SafetyWing have fixed terms & conditions?

Please keep in mind that insurance terms and conditions vary and might change at any time. The material presented here is solely for educational purposes. Before embarking on your vacation, we recommend that you check with your insurance provider to confirm that you are properly protected. Please read the terms and conditions of your policy very carefully.

Conclusion: SafetyWing Review 2021 | Should You Go For It??

If you want a simple, straightforward policy designed for digital nomads, SafetyWing was made with you in mind. One of the greatest things about it is you don’t have to know where you’re heading in advance or how long you’re going to be gone. This pay-as-you-go policy is simple and straightforward.

This policy is also unique in that it offers some coverage when your return home for incidental reasons. For those digital nomads who travel endlessly and aren’t home enough to bother carrying an insurance policy in their native country, a policy from SafetyWing provides the right amount of coverage

SafetyWing was designed for digital nomads by digital nomads which is why it offers things that no other travel insurance company does. This is a policy that is meant to cover you as you travel the world, unlike other policies that are designed to cover a single trip or a few vacations a year.

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Jitendra Vaswani

Jitendra Vaswani is a Digital Marketing Practitioner & international keynote speaker currently living digital nomad lifestyle and founder of  internet marketing blog BloggersIdeas.com & Digital Marketing Agency DigiExe. During his more than 8 years long expertise in Digital Marketing, Jitendra has been a marketing consultant, trainer, speaker and author of “Inside A Hustler’s Brain : In Pursuit of Financial Freedom” which has sold over 20,000 copies, worldwide & contributor of “International Best Selling Author of Growth Hacking Book 2”. He had trained 10000+ digital marketing professionals till date and has been conducting Digital marketing workshops across the globe. His ultimate goal is to help people build businesses through digitization make them realize that dreams do come true if you stay driven.  Check out his portfolio( jitendra.co). Find him on Linkedin, Twitter, & Facebook.

33 thoughts on “SafetyWing Insurance Review 2021: Top 5 Features & Pricing (Pros & Cons) Is SafetyWing Nomad Insurance Legit?”

  1. If you’ve ever traveled outside the USA for any length of time, you know how much nerve-wracking fun it can be trying to figure out if your insurance will cover anything. Guess what? It won’t! And once you find that out, tickets are already bought and plane is waiting at the airport. Needless to say, I looked into getting one before I left.

    I found this great company called SafetyWing Insurance who offers travel medical insurance developed specifically for nomads by nomads (literally) so they understand our demographic – people living all over the world but traveling long term with no fixed address. SafetyWing covers people from anywhere in the world while they are abroad which was perfect for me.

  2. SafetyWing is one of those “Why didn’t I think of that?” products. Started by a dude who took time off from being a lawyer to backpack around the world, now he offers his insurance policy exclusively to people like you and me: the nomadic human beings. Once we complete our big plans and purchase this plan, we no longer have to worry about travelling with inadequate coverage; we can explore life without boundaries!

  3. I’ve used SafetyWing now on about a dozen trips since I first learned about it and I continue to be impressed. (This) product is well-designed, easy to use, and affordable — not to mention insanely comprehensive — all of which make me feel confident when I’m exploring the world with my nomadic lifestyle

  4. Seriously guys, it’s like every traveler’s dream. I hate surprises while abroad and this plan eliminates that worry because if something happens to me while travelling, SafetyWing will take care of the expenses until my medical evacuation is complete. The one time they haven’t saved my life yet but they’re still cool as hell.”

  5. I have been traveling the world for more than two years and I’ve seen firsthand how scary, expensive and uncertain it can be to be an expat. As one of the first nomads to develop a travel medical insurance plan specifically for nomads like me, SafetyWing is built with many insights and considerations taken from my own journey as well as the feedback we’ve received from thousands of people who already use our product. The entire team at SafetyWing believes that health care should not depend on retirement plans or employment status; everyone deserves international coverage regardless of their location – whether they’re born abroad or born in U.S., Europe, Asia, Africa, South America etc.

  6. I was skeptical at first, but the $75 per year is well worth peace of mind. My friends with house insurance agree that it’s not just for nomads! I’m never coming back to an old-fashioned home insurer again.

  7. “I just got back from 18 months traveling around the world, and SafetyWing was great! It gave me peace of mind that I would be taken care of if there was ever an emergency. The cost is low considering what it covers you for – your health expenses outside your home country will be covered no matter where or why. I’d recommend it to any traveler, whether they are staying abroad for 1 month or 5 years.”

  8. I’ve been wearing my SafetyWing for three months now and I feel better about it every day. It’s like wearing a suit of armor around your face. You still get to be as adventurous as you want to, but any disaster will only shatter the coating instead of ripping little pieces off to injure you inside. I haven’t traveled without it since!
    A must-have travel accessory for those who enjoy getting lost in foreign cities just a little too much. Trust me, I know what you’re going through – last year during Lost & Found Fest NYC, I almost made an attempt on the catwalk! Doesn’t everyone have that one friend that likes take risks? Well don’t let them go backpacking alone.

  9. I always buy travel insurance, but I never used it until now. Just as soon as I’d started my home-free journey across the US, disaster struck. Not only did my car break down and strand me in a small town for days with no job prospects, but then just before getting on my way again, I fell and broke my ankle. With SafetyWing insurance protecting me from unforeseen circumstances like these – can you imagine what adventure would have been stopping me if not for $200 worth of this?

  10. Traveling abroad is a relaxing yet frightening time for many people. Health insurance safety nets are not only expensive, but put an unnecessary burden on the traveler while they’re trying to have a good time exploring their new world. SafetyWing was devised by travelers for travelers, so you can take a trip without having to worry about your health and safety while away from home.

  11. I’ve never met anyone who enjoys the process of trying to understand travel insurance. It’s not that it is hard; it just makes no sense at all. Why should I pay for something if I’m unlikely to be using it? And if I am using it, then what happens when one of my friends (who didn’t purchase the same expensive nonsense) needs help with coverage while somewhere else in the world?
    Sounds like something only an inept bureaucrat could love, so this mattered once or twice until my cousin got waylaid by bad luck on his side-jaunt through Zambia. Safewing had him covered so well he might as well have been sitting next to me at home drinking beer and taking care of business.

  12. The best product I’ve found for safety on the road. Bravo! Can’t recommend this enough, especially for anyone freelancing or unable to get work sponsored health care while they’re abroad. SafetyWing has made it so that no matter how long you are traveling or where your next destination you can feel safe. Do yourself a favour and make sure you have peace of mind when away from home with this one.

  13. I was looking into getting travel insurance for a year or so before going abroad. I found SafetyWing and researched it a bit. It seemed fine to me, but I wanted other people’s opinions too, so I did a google search for reviews on the topic of “long-term travel medical insurance.” The overwhelming amount of good reviews from nomads made the choice clear, and there were enough comments about their policies being super helpful if they needed visits home while traveling to seal the deal. So far everything has been great – I don’t think there’s any way anyone can not recommend SafetyWing!

  14. “I can never tell how long I’ll be traveling for, and any extended time out of my home country really makes me nervous. SafetyWing provides coverage no matter where you are in the world–even if you’re just visiting a second-hand car!–and it’s affordable too. It only costs about $12 USD per day to purchase. I think they’ve thought of everything: emergency medical care abroad, evacuation, repatriation*, lost luggage*, travel delays* – all included! Check them out.”

  15. I’m a nomad and joined SafetyWing two days after I arrived! My travel medical insurance is now my favorite item in my bag.

  16. SafetyWing was the big game changer. Basically, you pay a small monthly fee for this travel insurance and it takes care of everything so you don’t have to worry about having coverage in another country or anything because they have doctors everywhere. It’s really worth it if you’re only traveling around one city for a couple months, but if you’re not sure how long your six-month Eurotrip is gonna be, then I would recommend getting an annual policy with them too!”

  17. I was looking for international health insurance and Safety Wing Insurance caught my eye. It provides coverage globally at a very reasonable price! Bonus: they can be tailored to suit your needs and lifestyle – boating enthusiasts, bikers, trekkers, beach lovers! Keep reading for more reasons why you should choose SafetyWing Insurance.

    International travel is an exciting adventure that everyone deserves to experience in their life time. However like any extraordinary travel plan, there will likely come times when you’ll need some help from professionals not affiliated with your usual doctors or hospitals; this is where SafetyWing has got you covered. They offer affordable worldwide medical insurance helps people to prepare ASAP if the unexpected occurs anywhere outside of home country

  18. What if I’m visiting a country and need emergency medical help, and they don’t take my insurance? This the question that SafetyWing fiercely aimed to answer. Co-founders Chris Baldwin and Zee Vardas met while traveling in India and became friends while sharing life stories on their backpacking trips together. They both ran into problems with using their North American health coverage when they RETURNED to India, but it didn’t cover them for issues that arose outside of India; basically, every good thing about world travel is cut short by the fact there’s “no such thing as international healthcare.”

    This company makes sure people like me (the notoriously independent traveler) can get emergency medical treatment anywhere in the world.

  19. When I first moved to Paris for a few months, SafetyWing was such a relief. The plan was easy and affordable (less than $10/mo). Never again will I find myself in that situation where you search for hours trying to find the right medical provider and the best deal, because it’s all taken care of with this app-to-app service. It’s so wallet friendly too: your deductible is only 10% of your total bill but always less than €400 or its equivalent in USD, which is easily covered by most travel insurance plans. If you’re looking for reliable safety features for any length of stay abroad, SafetyWing Insurance could be just what you need!

  20. We all know that traveling can be one of the best adventures in life, but it also comes with a lot of risk exposure. Even if you’re always careful to plan ahead for your time abroad, sometimes accidents happen. Fortunately, there are ways to protect yourself when they do – like SafetyWing Insurance!

    It provides worldwide coverage against major medical expenses – it is designed specifically for nomadic lifestyles and is perfect for anyone who doesn’t know how long they’ll be exploring the world yet. With this insurance coverage in place, anytime an accident happens abroad (and remember accidents can happen anywhere!) you won’t have to worry about paying high prices at hospitals everywhere you go because your money will be covered by SafetyWing

  21. I would like to give SafetyWing a 5 star review because they’re an all-inclusive and trustworthy company. As a nomad with no fixed address, it’s impossible for me to get traditional travel insurance – until I found SafetyWing. The best part about this company is that your coverage starts as soon as you pay for it without any exclusions! They make everything simple by taking care of the documentation and application process on your behalf, so if anything happens before or during your trip, you can rest assured knowing that SafetyWing has got it covered!

  22. When you’re travelling abroad without coverage, you never know if an accident or injury will happen- so why take the chance? That’s where SafetyWing comes in! Must try

  23. A few months ago, I spent a month in Angola with some friends. We all had different travel insurance policies and the more we talked about it on our trip, the more we realized how different they were for each of us personally. After coming back from Africa and getting way more questions than usual around what kind of travel medical insurance we had while there (what did you do!), we realized that SafetyWing is something that would be great for anyone looking to self-insure and not worry about their health when traveling outside their home country.

  24. I got my SafetyWing insurance at the beginning of my 5-month trip, and it made me feel much more confident. The thing about traveling abroad for extended periods is that you never really know when your adventure will end – I found myself finishing up my last country but feeling like there was still so much to explore just around the corner.

    An important part of the experience is trying different foods, exploring new cultures and seeing different landscapes…unfortunately injuries can also come with these adventures! As a student saving every penny to save money on flights, I couldn’t afford travel medical insurance beforehand. So if anything happened while I was away, all my savings would be gone instantly (and let’s not forget expensive hospital bills).

  25. “We had a long layover in Thailand and realized we might need some travel insurance, but not just any old policy. We discovered SafetyWing which covers our whole entire trip no matter where we are! No more stress about getting sick while you’re gone.”

  26. Picking an insurance plan all the way out here in the third world proved difficult, so Happiness Abounds came through with a perfect solution. You can also get help from one of their experts if you are unsure about what needs coverage or not, which is always better than assuming too much.”
    “They offer friendly customer service and customs on top of all that great stuff! Definitely go with SafetyWing Insurance

  27. “I cannot recommend this product enough. I used to think my medical insurance was fine but this has given me peace of mind.”

  28. -I was immediately attracted to SafetyWing. In many places around the world, you never know when a natural disaster or injury will strike, but as an expat living in Bali I also felt worried being far from home for so long – not to mention those who have been injured. Security is important now more than ever and safety is even more so! I was impressed that they expanded their coverage outside of North America into Asia and parts of Europe because there are a lot people traveling internationally this year. I’m going to feel better knowing that should anything happen while abroad, my loved one would automatically be taken care of without having to worry about what insurance company they have at home.”

  29. SafetyWing is genius. I felt so much safer when travelling abroad with my family knowing that they would be covered if anything happened to us while out in the world. Everyone should have this! It’s not too expensive but it’s worth every penny.

    No matter where you go, SafetyWing has got your back…literally! With safety in mind, theirs an app for receiving medical attention anonymously and making sure wherever you are-you’re always protected by their 24/7 emergency response services from dispatching a helicopter or private medical team anywhere on the globe within three hours of request.

  30. I can’t tell you how many times I was stuck in some tiny African hospital with no resources because my health insurance didn’t cover this new country. Thanks to SafetyWing, I know that if something happens, I am covered and will be able to get the help I need without worrying about what it might cost me.

  31. I’ve never felt more covered before.

    Whenever I travel, I use SafetyWing Insurance to make sure my family can always help me out if something happens. It costs a small fee each year but the peace of mind is worth it! You can also tailor what types of coverage you want, which is amazing because not everyone needs every plan. They have good review rates which means that people are happy with their service and it’s easy to get in touch with someone who will actually answer your questions—I know this for myself because I had some pretty complicated issues! Plus, they have competitive pricing so you won’t break the bank.

  32. SafetyWing is perfect for people who love to travel and explore new places. This insurance gives me peace of mind knowing that if something happens while I’m abroad, I’ll always have my health covered! You can pick up SafetyWing anywhere in the world so no matter where you are or how long you’ve been gone, your coverage is waiting. So spread your wings and fly because now you can wander with confidence knowing SafetyWing will be there when things go wrong.”

  33. Nice review on Safetywing, good stuff. I have researched them too and consider them a great insurer overall, though far from perfect still. We’re collecting and have collected a ton of user reviews for them and most are positive.

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