I’ve been using SafetyWing for years now and it has provided me with a lot more than just peace of mind!
Why do you need travel insurance?
There are many reasons why you need travel insurance, whether it is for a week long holiday or you are a full time digital nomad (like me!). Here is a summary of these reasons:
- Medical emergencies
- Trip cancellations or interruptions
- Lost or stolen belongings
- Travel delays
- Emergency evacuation
- Adventure activities
- Requirement for visa applications
- Overall peace of mind
Travel insurance is your safety net against unexpected mishaps while on the road. It shields you from exorbitant hospital bills in case of accidents, a scenario more common than you might imagine. Additionally, it steps in to alleviate inconveniences like lost luggage and travel delays.
For instance, during a trip to Vietnam, my partner fell ill, and his travel insurance enabled him to consult a private doctor without worrying about hefty medical expenses. Similarly, when my sister faced a severe kidney infection in Korea, her travel insurance allowed her to receive the necessary hospital care without making her broke.
What is SafetyWing?
SafetyWing is a global travel medical insurance designed by and for nomads and travellers. Their core policy offers coverage for unforeseen medical emergencies and travel-related expenses while abroad. Additionally, they have expanded their offerings to include comprehensive global medical insurance and global health insurance for remote businesses.
What are the benefits of using SafetyWing?
In addition to the fundamental advantages of having travel insurance, SafetyWing offers a range of benefits that make it an appealing choice for travellers and nomads alike:
- Affordable policies: SafetyWing provides cost-effective travel insurance options, making it accessible for travellers on various budgets.
- Medical centre freedom: With SafetyWing, you have the flexibility to choose any medical centre or healthcare provider worldwide, ensuring you receive the care you need when and where you need it.
- 24/7 support: SafetyWing offers round-the-clock customer support, so you can get assistance and guidance at any time, no matter where you are in the world.
- Global coverage: SafetyWing’s policies provide coverage across the globe, allowing you to travel with confidence, knowing you’re protected in various destinations. Moreover, for every 90 days you spend abroad, you get 30 days of cover at home (15 days if you are from the US).
- Nomad-friendly: SafetyWing is designed with the needs of nomads and frequent travellers in mind, offering policies that cater to their unique lifestyles.
- Extensions and flexibility: SafetyWing policies can often be extended while you’re already traveling, providing added flexibility for your trip’s duration.
- Remote work coverage: SafetyWing also offers insurance options for remote businesses, ensuring that you and your team are protected while working from different parts of the world.
Who can use SafetyWing?
Pretty much anyone from anywhere in the world can make the most out of SafetyWing. There are however a few exceptions to this based on age and your home country:
- If you were born less than 14 days ago (if this is the case I’m amazed you are reading this), or you are over 70 years old.
- If you are from a sanctioned country (North Korea, Cuba, Iran, and Syria).
For those of you that can use SafetyWing, you don’t need a permanent home residence and you can even add your kids to your policy (1 free child per adult). Children can even take out their own policy if they are somehow travelling solo.
Fun fact: You can take out insurance with SafetyWing even if you are already travelling. This is something that most of their competitors don’t yet offer.
How much does SafetyWing cost?
Prices start from $45.08 per month for their standard Nomad Insurance policy.
This actually makes SafetyWing one of the most reasonably priced and affordable options out there. Some of their competitors are nearly double the price.
Their affordability comes down to the fact that there an no middle insurers involved in the process and their nomad insurance covers just the necessary basics.
If you want a more comprehensive health coverage (for things like maternity coverage and dental) then you can purchase their Nomad Health policy.
As with any insurance policy, the exact price you pay will depend on your age. And when it comes to SafetyWing’s more comprehensive Nomad Health insurance, the price will also depend on the level of coverage you are after. Discover their exact pricing here:
What is covered with Safety Wing?
The coverage depends on which policy you take out. If you are looking for an affordable travel insurance that covers emergency expenses related to both health and travel, then take a look below at what is covered in their ‘Nomad Insurance‘ policy. But if you are more interested in a comprehensive global health insurance that covers routine appointments then take a look below at what is covered in their ‘Nomad Health‘ policy.
Nomad Insurance offers protection against unforeseen illnesses or injuries, including coverage for hospital, physician, and prescription drug expenses. In the event of illness or injury, SafetyWing will reimburse eligible medical costs.
This coverage is extended to individuals traveling outside their home country. Furthermore, Nomad Insurance provides emergency travel-related benefits such as evacuation due to local unrest, unexpected overnight accommodations, and compensation for lost checked luggage.
Get more detailed information on what is and isn’t covered on Nomad Insurance here:
SafetyWing’s Nomad Health Insurance is a comprehensive and versatile health coverage plan designed to meet the needs of modern travelers and digital nomads. This policy goes beyond typical travel insurance, providing extensive medical coverage worldwide, including in your country of residence.
Therefore, it covers a lot more medical expenses than SafetyWing’s Nomad Insurance. This means you can access healthcare for cancer treatments, general health check ups and a lot more. Plus direct payment from SafetyWing to the medical provider can be arranged.
Get more detailed information on what is covered on Nomad Health here:
How do you use SafetyWing?
One of the reasons that I really enjoy using SafetyWing is because of how simple it is to set up a policy and manage it. Let me take you through some easy steps on how to use SafetyWing:
You will want to start by signing up to a policy on their website. This process is really simple and requires a few details from you about where you’ll be travelling and who your beneficiary is. Use these links to get started:
- Sign up for Nomad Insurance here (from $45.08 per month)
- Sign up for Nomad Health here (from $123 per month)
Submitting a claim
In the unfortunate event of something happening to you whilst you are on your travels you can submit a claim through your SafetyWing account. Simply sign in and click on the ‘Claims’ tab at the top. Here you will be led through an interactive form where you can submit your evidence. You will need to have your medical report, medical invoices, receipts, and bank account information to hand.
Please note: If you are signed up to the Nomad Health policy, SafetyWing can arrange direct payment to your chosen medical provider. Therefore, there will be no need to submit any claims.
Cancelling your policy
Should you need to cancel your policy for whatever reason, you can do this really easily from the ‘Insurance’ tab in your SafetyWing account. The policy will be cancelled before your next billing date, unless you cancel a few days before it is set to renew.
If I am spending a long time (more than 1 month) back at home in the UK I will cancel my insurance during this time. And it is really easy to set up a new policy before I leave the UK again.
My verdict: SafetyWing is great for travellers
There was a time when I used to travel without any kind of insurance. Eek. And now I don’t travel without it. I’ve used local insurance companies when I’ve stayed in a specific country for a longer period of time and I’ve also used a few of SafetyWing’s competitors, but my favourite option has always been SafetyWing.
As someone who prioritises flexibility and affordability, it has truly been the best option for me. I like the ongoing monthly subscription which is really easy to cancel.
I know the excess is double that of some competitors, but the ongoing monthly cost is a lot cheaper. And if you are one of the lucky ones not to have something bad happen to you, like me (fingers crossed it stays that way), then you end up saving a lot more money. Moreover, the excess is only required on your first claim and a one-off payment of $250 is hardly going to break the bank.
I have read concerns from people on the internet that SafetyWing is a scam, but in my own experience they have been anything but. When my partner got ill the process of making a claim was smooth and simple. I have read many other SafetyWing reviews from verified customers that backs this up.
For what it is worth, I have been a SafetyWing customer for years before I even decided to write this review!
Overall, I find their insurance gives me much needed peace of mind. Whenever my suitcase comes at last from baggage reclaim and I’ve been stood there tensely expecting it to have been lost or stolen, I relax the moment I remember that I have my SafetyWing insurance.
Where can you sign up to SafetyWing?
In order to set up your travel insurance with SafetyWing you will need to go to their website – safetywing.com. From here you can choose your policy and set up your account.