SafetyWing: A Review of an Upstart Travel Insurance Company
When you’re planning a trip, the last thing you want to worry about is what could go wrong. That’s where travel insurance comes in—offering peace of mind and financial protection if your journey takes an unexpected turn. Over the past few years, SafetyWing has emerged as a go-to option, especially for digital nomads and long-term travelers who seek flexible, affordable coverage that fits their lifestyle.
In this review, we’ll take a deep dive into what makes SafetyWing stand out, its unique features, and why it’s become one of the most talked-about travel insurance companies in the market.
What Is SafetyWing?
Founded in 2018, SafetyWing positions itself as the ultimate insurance solution for digital nomads, long-term travelers, and remote workers. The company's flagship product, Nomad Insurance, is specifically designed to offer health and travel insurance to travelers who are constantly on the move.
Unlike traditional travel insurance, which typically covers short trips and has strict requirements about coverage locations, SafetyWing caters to the growing number of people living a location-independent lifestyle. It’s a monthly subscription service, so travelers can purchase it before or even after they’ve started their trip, with coverage available in almost every country around the globe.
Why SafetyWing Stands Out
What sets SafetyWing apart from other travel insurance providers is its focus on flexibility and affordability. With many digital nomads and long-term travelers living a lifestyle that doesn’t fit traditional models of insurance, SafetyWing created an offering that’s as mobile as its customers.
Here’s a breakdown of some of the key reasons why SafetyWing is gaining attention:
1. Flexible, Affordable Coverage
Unlike conventional travel insurance companies that require you to pay for your entire trip in one go, SafetyWing offers monthly subscription-based payments. This makes it perfect for long-term travelers who don’t know how long they’ll be on the road or for those who prefer not to make an upfront payment for long-term insurance.
Cost:
For travelers aged 18-39, the monthly premium is an affordable $45.08.
Coverage is available up to age 69, though rates increase for older travelers.
Even better, SafetyWing covers children under 10 for free, which is a huge plus for families traveling together.
2. Global Coverage (Including Limited Home Country Coverage)
SafetyWing offers global coverage, meaning that it works in almost every country worldwide, with just a few exceptions (such as countries under U.S. sanctions like Iran, Cuba, and North Korea).
An additional unique benefit is that SafetyWing offers home country coverage for up to 30 days every 90 days (15 days if you’re from the U.S.). This is especially helpful for long-term travelers who return home briefly but don’t want to interrupt their insurance coverage.
3. Medical and Emergency Coverage
SafetyWing’s Nomad Insurance covers medical emergencies and hospital expenses, which include:
Emergency medical treatment
Hospital visits
Intensive care
Prescription drugs
In addition, they provide emergency evacuation services, so if something serious happens and you need to be transported to another country for better medical treatment, SafetyWing covers the costs. They also cover COVID-19-related medical expenses, which is a big relief for travelers navigating the pandemic landscape.
It’s important to note that SafetyWing offers up to $250,000 in medical coverage per policy period. While this is usually more than enough for most situations, travelers looking for higher coverage limits might want to explore additional options.
4. Trip Delay, Interruption, and Lost Luggage
Beyond medical coverage, SafetyWing also offers coverage for the more typical travel issues such as:
Trip interruptions and delays: If your trip is delayed or cut short due to unforeseen circumstances, you’ll receive compensation.
Lost or delayed luggage: Compensation for lost, stolen, or delayed luggage is included in their standard coverage.
For many travelers, these extra perks provide the peace of mind they need to focus on their journey, knowing they’re covered in a variety of unexpected situations.
5. Easy Signup and Hassle-Free Claims Process
SafetyWing’s platform is simple and easy to use. Signing up takes just a few minutes, and you can start coverage even if you’re already abroad. You don’t need to worry about registering before your trip starts, which is a huge convenience for spontaneous travelers.
Their claims process is also quite straightforward. All you need to do is submit your claims online through their portal, and SafetyWing’s customer support team will guide you through the process. While all insurance companies deal with the inevitable paperwork, SafetyWing strives to make the process as hassle-free as possible for its users.
6. Who Should Choose SafetyWing?
SafetyWing is ideal for:
Digital nomads: Those who work remotely and travel the world without a permanent base will find the flexibility and affordability of SafetyWing’s plans to be a perfect match.
Long-term travelers: If you’re traveling for extended periods and unsure of your return date, SafetyWing’s monthly plan allows you to adjust your coverage as needed without a huge upfront cost.
Families: Since two children under 10 are covered for free under a parent’s policy, SafetyWing is an excellent option for families traveling together.
Frequent travelers: If you hop between countries frequently, SafetyWing provides ongoing global coverage, allowing you to stay protected no matter where you go.
SafetyWing: What’s Not Covered?
While SafetyWing’s coverage is comprehensive, there are a few things it does not cover:
Routine checkups and preventive care: If you’re looking for regular health insurance, SafetyWing is not designed to cover routine doctor visits or checkups. It’s more suited for emergency situations.
Pre-existing conditions: Like most travel insurance policies, SafetyWing does not cover pre-existing medical conditions.
Extreme sports or high-risk activities: SafetyWing covers a lot, but certain extreme sports or high-risk activities may not be included. If you plan on engaging in such activities, it’s important to check the fine print or look for add-ons to your policy.
Final Thoughts: Why Choose SafetyWing?
SafetyWing is a game-changer in the world of travel insurance. It offers an affordable, flexible, and comprehensive solution for digital nomads, long-term travelers, and families on the go. With a simple monthly subscription model, robust global coverage, and an easy claims process, it’s clear why SafetyWing is quickly becoming the preferred choice for modern travelers.
Whether you’re a remote worker traveling the world or someone embarking on an extended trip, SafetyWing gives you the protection and peace of mind to focus on the journey ahead.
Get covered today and start your adventure with
Safe travels!
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