Security Wing Assessment (Up to date 2025)

Funds vacationers love saving cash — myself included. However one of many bills that we shouldn’t be low cost with is journey insurance coverage.

After over 17 years of touring the world, I nonetheless by no means depart residence with out it.

Why?

As a result of I’ve seen firsthand how helpful it may be — and the way a lot cash it will possibly save.

I’ve misplaced baggage, had my digital camera damaged, and even wanted emergency medical assist through the years.

Journey insurance coverage has been there for me every time. Not solely has it saved me cash but it surely’s offered me with peace of thoughts as I discover.

I’ve written extensively through the years about why you want insurance coverage, tips on how to choose the correct firm, and listed my most popular suppliers.

Right now, I wish to discuss my favourite journey insurance coverage firm: SafetyWing.

 

Who’s SafetyWing?

SafetyWing is an insurance coverage firm that focuses on reasonably priced protection for funds vacationers and digital nomads (although you don’t must be both to get protection). It’s run by nomads and expats who know precisely what such vacationers want.

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

Their customary Nomad Insurance coverage protection prices simply $56.28 USD for 4 weeks (for vacationers aged 10-39). That’s one of many lowest costs on the market for dependable journey insurance coverage. They’re tremendous aggressive on the subject of worth.

Their protection extends all the way in which to age 69, nevertheless, vacationers aged 60-69 ought to count on to pay upwards of $196 USD per thirty days for protection. Nonetheless very affordable, to be sincere.

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

Right now I wish to evaluate Security Wing and discuss when it’s — and isn’t — price utilizing so you’ll be able to higher put together in your subsequent journey and guarantee you could have the protection you want.
 

What Does SafetyWing Cowl?

SafetyWing’s customary Nomad Insurance coverage plan is the Important plan. It’s simply $56.28 USD for 4 weeks of journey (outdoors the US). That works out to simply $1.87 USD per day!

For vacationers below age 64, that plan consists of the next:

• $250,000 USD in emergency medical protection
• $1,000 USD for emergency dental care
• $100,000 USD for medical evacuation ($25,000 USD if the reason for medical evacuation is acute onset of pre-existing situation)
• $10,000 USD for an evacuation as a consequence of political upheaval
• $5,000 USD for a visit interruption
• As much as $100 a day after a 12-hour delay interval requiring an unplanned in a single day keep. Topic to a most of two days.
• $12,500–25,000 USD for loss of life or dismemberment
• $20,000 USD for repatriation of stays

You should definitely verify the outline of protection for any situations that apply.

Its $100,000 USD for medical evacuation is on the low finish, however except you’re heading out into the distant wilderness, that needs to be advantageous. (If you would like larger protection, get MedJet.)

Its travel-delay payout is fairly low, however airways and most journey bank cards present journey delay help too so that you won’t even want the protection supplied by SafetyWing. Moreover, it doesn’t actually cowl costly electronics, which sucks when you’ve got an expensive digital camera or video gear.

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

They do supply a pair useful add-ons that I believe a variety of vacationers will respect, together with protection for journey actions and electronics theft. That signifies that if you happen to want the protection, you’ll be able to pay additional for it. Nonetheless, if you happen to don’t want it then you definately don’t must pay for it, maintaining your prices low. I respect that, as somebody who all the time wants digital protection however who by no means wants journey exercise protection (I’m not a giant adrenaline junkie).
 

What’s Not Lined?

The Important plan is primarily geared in the direction of masking medical emergencies and primary journey mishaps (like delays and misplaced baggage). Listed below are some issues that aren’t lined:

• Alcohol- or drug-related incidents.
• Excessive sports activities & journey actions (except you buy the journey sports activities add-on, which is on the market for non-US residents)
• Pre-existing situations or common check-ups
• Journey cancellation
• Misplaced or stolen money

 

Nomad Full: Protection for Digital Nomads and Lengthy-Time period Vacationers

In 2023, SafetyWing launched Nomad Well being (now referred to as their “Full” plan). It’s insurance coverage for digital nomads, distant staff, and long-term vacationers. This new plan provides a mixture of the usual emergency protection that we’ve been discussing above together with “common” well being care protection, comparable to routine visits and preventive care.

The Full plan additionally provides protection in 175 international locations, consists of wellness advantages, psychological well being care, and the flexibility for people to decide on their very own physician whereas touring. They are going to be increasing protection too, together with an add-on for “electronics theft” (which, as somebody who has been robbed whereas touring, I believe is a superb thought).

It’s just like the sort of medical health insurance you’d discover in your house nation, making certain that you just’re taken care of it doesn’t matter what occurs when you’re overseas.

You’ll be able to study extra and examine the plans right here.

In case you’re simply heading out for a pair weeks or a pair months, SafetyWing’s Important plan is the choice for you. It’s excellent for emergencies, is tremendous reasonably priced, and is designed for funds vacationers. It’s the plan I take advantage of after I journey nowadays.

Nonetheless, if you happen to’re going to be working overseas or touring for months (or years), then their new Full plan is the higher choice. It provides rather more protection whereas nonetheless being reasonably priced. In reality, it’s the plan I want I had after I began touring long-term!

You’ll be able to study extra concerning the Full plan in my devoted evaluate.

 

Making a Declare

SafetyWing makes it straightforward to file a declare by their on-line portal. You simply add all of the required paperwork, screenshots, and photographs, and wait to listen to again. Whereas claims can take as much as 45 enterprise days, most are dealt with in lower than every week (as of writing, the common wait time is 4 days).

In case you learn the evaluations on-line, most individuals who had a unfavorable expertise both didn’t know concerning the deductible (SafetyWing eliminated their deductible for non-US residents as of 2024) or hated the size of time it took to receives a commission. However that’s fairly regular for folks to complain about.

On the plus aspect, SafetyWing’s common time to deal with a declare is down to simply 4 days. That’s method sooner than most corporations!
 

A Notice About COVID

SafetyWing does embody protection for COVID-19. So long as the virus was not contracted earlier than your plan begins, then it will likely be lined (so long as it’s medically obligatory).

SafetyWing additionally covers quarantine prices (outdoors your house nation) for as much as $50 USD/day for 10 days (offered that you just’ve had your plan for a minimum of 28 days).
 

Professionals and Cons of SafetyWing

Right here’s a glance that the professionals and cons of SafetyWing at a look that can assist you determine if it’s the very best insurance coverage supplier for you and your journey:

 

Who’s SafetyWing Good — and Not Good For?

SafetyWing is designed as primarily medical protection. Since SafetyWing is designed for the budget-conscious digital nomad, it doesn’t cowl some areas that could be extra of a precedence for a shorter-term traveler. Right here’s a fast chart that can assist you determine if SafetyWing is best for you:

 

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Journey insurance coverage is one thing I by no means depart residence with out. I do know it’s a boring subject to examine and analysis, however it will possibly actually prevent tons of or hundreds of {dollars} in payments! I by no means, ever depart residence with out it. You shouldn’t both.

So, the following time you’re on the street, think about SafetyWing. To me, they’re the very best journey insurance coverage firm on the market for funds vacationers.

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