Looking for an unbiased SafetyWing review, i’ve got you covered.
In this post, I have featured my trustworthy and honest SafetyWing Review 2022 which includes detailed insights into its pricing, features, terms covered, and more. Let’s get started here.
If you’re a digital nomad, you know the importance of insurance. But traditional travel insurance plans can be expensive and don’t always cover all your needs. That’s where SafetyWing comes in.
SafetyWing is a pay-as-you-go insurance policy designed specifically for digital nomads. It’s simple and straightforward, and you don’t have to know where you’re heading in advance or how long you’re going to be gone. Plus, it’s affordable, so you can rest assured that you’re covered no matter what happens.
So if you’re looking for reliable insurance coverage that won’t break the bank, SafetyWing is definitely worth considering.
Table of Contents
SafetyWing Insurance Review 2022: Is It Worth Your Try?? (HONEST REVIEW)
What Is SafetyWing Insurance?
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 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.
What’s Covered In SafetyWing Insurance?
What Activities Are Covered with SafetyWing Insurance?
How Does SafetyWing Insurance 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 Insurance 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:
- Does not cover stolen or lost belongings.
- Covers some adventure activities—see exclusions here (page 25).
- Coverage limits in the home country
- $250 deductible per POLICY
- Coverage excludes North Korea, Cuba, and Iran
- 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 the equipment you need to be 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.
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 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!
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.
Travelers 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.
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.
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.
1. 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.
2. 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.
3. 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.
4. 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 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.
5. 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.
6. 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.
7. 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 traveling 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 order it, but not for antibody testing. More information on this can be found here.
Safetywing also enhanced its 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.
8. Family Friendly
If you’re traveling 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 traveling with your partner, you can cover two children for free!
Why don’t we have SafetyWing Insurance?
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 by up to $100 a day for up to five days.
- While trip cancellation is not covered, trip interruption is covered for 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 to 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.
FAQs SafetyWing Review:
💥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.
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Conclusion: SafetyWing Review 2022 | 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.