This blog post contains all you need to know about SafetyWing Insurance, SafetyWing Nomad Insurance, and SafetyWing Remote Health Insurance.
SafetyWing offers insurance plans that offer excellent coverage to fit any traveler’s and digital nomad’s needs – no matter what destination they are headed for!
Keep on reading this SafetyWing review to learn more about what they offer, and to see if it’s the right insurance for you.
In a hurry and need travel insurance fast? Visit SafetyWing.com to get instant coverage for your trip!
QUICK ANSWERS: SAFETYWING INSURANCE REVIEW
IS SAFETYWING WORTH IT?
Yes, SafetyWing Insurance is worth it.
SafetyWing travel insurance is what you need to have in your back pocket when you’re planning a trip abroad or in your own country.
With comprehensive coverage that includes protection for medical emergencies, cancellations, and more, it’s one of the best travel insurances on the market.
Not only does SafetyWing provide peace of mind and financial security if something happens while traveling, but also unbelievably affordable compared to other plans.
On top of that, they make it hassle-free to get insurance – no paperwork or complicated procedures are required.
WHAT IS SAFETYWING INSURANCE?
SafetyWing Insurance is a comprehensive medical and travel insurance designed specifically for digital nomads and long-term travelers.
It provides coverage for people from all over the world while they are outside their home country, and can be purchased even when you’re already abroad, which is very convenient.
SafetyWing covers medical expenses up to $250,000, trip interruption lost checked baggage, and more.
Additionally, it offers broad COVID-19 coverage in its policies to help you from unexpected costs associated with doctor and hospital visits.
WHAT DOES SAFETYWING COVER?
SafetyWing covers a wide range of incidents including medical expenses, trip interruption or cancellation, emergency medical evacuation, and more.
As mentioned previously, SafetyWing also offers COVID-19 coverage in their policies so you can be sure you’re covered if something unexpected happens.
Also, they cover physical therapy and chiropractic care for up to $50 a day, as well as emergency dental work for up to $1,000.
I’ll go through the complete coverage list in the following section.
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SAFETYWING PLANS AND POLICIES
SafetyWing has different plans with different policies – with SafetyWing Nomad Insurance being the most popular option.
The plans are;
- SafetyWing Nomad Insurance
- SafetyWing Remote Health Insurance
- Remote Health for Startups
Nomad Insurance starts at $45.08 for travelers aged 10 to 39 years old, $73.92 for those aged 40 to 49, and $115.92 for users aged between 50 and 59 years old.
These prices do not include coverage in the United States.
When adding the U.S. coverage, the starting price will increase to $83.44 for travelers between 10 and 39 years old, $137.48 for those aged 40 to 49, and $226.24 for 50 to 59 years old.
The Remote Health plan costs $206 and offers even more coverage. It covers home country expenses for long-term visits and cancer but isn’t available for short-term travels.
The Remote Health for Startups is an excellent plan for remote teams and starts at $80 per member. If you manage or are part of a remote team, this is the best plan you can get.
With three different SafetyWing Insurance plans, you’ll need to find the right one for you as policies are different.
Here are the main elements you should know.
|Nomad Insurance||Remote Health||Remote Health for Startups|
|Hospitalization||Max. $250,000||Full Refund||Full Refund|
|Emergency Dental||Max. $1000||Max. $1000||Full Refund|
|Physical Therapy||Up to $50/day||Up to $5,000||Up to $5,000|
|Medical Evacuation||Max. $100,000||Max. $100,000||Max. $100,000|
|Inpatient Surgery||X||Full Refund||Max. $500,000|
|Trip Interruption||Up to $5,000||X||X|
|Lost Luggage||Up to $3,000||X||X|
|Cancer Treatment||X||Full Refund||Full Refund|
Of course, I cannot cover all the individual policies in this guide but you can find them here below:
Let’s go more in-depth about the SafetyWing Nomad Insurance and SafetyWing Remote Health for individuals.
NOMAD INSURANCE VS REMOTE HEALTH
As you could see above, the policies for Nomad Insurance and Remote Health change quite a lot, and the price as well, so here are the main differences between each.
|Nomad Insurance||Remote Health|
|Price||From $45.08/month||From $206/month|
|User Target||Best for Digital Nomads||Best for Expats|
|Contract||Month||Annual (payment per month)|
|Max Limit Per Year||$250,000||$1,500,000|
Both Nomad Insurance and Remote Health policies target different users and offer different advantages that could be beneficial to you or not.
As a general rule of thumb, I say SafetyWing Nomad Insurance is for Digital Nomads while Safety Wing Remote Health Insurance is for ex-pats staying in a place for 6 months or more each year.
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SAFETYWING NOMAD INSURANCE INCLUSIONS
With its hospitalization coverage, you can rest assured that medical bills will be taken care of without draining your wallet.
Apart from hospitalization, it covers hospital rooms, doctor visits, ambulances, and even intensive care if needed.
Enjoy peace of mind wherever your travels take you and experience new cultures without worrying about being left with a hefty bill.
A word of caution – all the above is covered but you’ll have to pay a deductible of $250 first, and a maximum limit of $250,000 per year is set.
EMERGENCY DENTAL WORK
SafetyWing Nomad Insurance is the perfect solution if you need some dental work done on the road. With coverage for up to $1,000 of emergency-related dental work each year, you can feel confident that you’ll be taken care of should anything happen.
Plus, it’s not subject to deductible, which is definitely a bonus.
PHYSICAL THERAPY AND CHIROPRACTIC CARE
The Nomad Insurance plan also provides physical therapy and chiropractic care should you need it.
This coverage allows you to pre-book a physical therapy or chiropractic session for up to $50 per day.
That being said, it must be ordered in advance by a physician, so keep that in mind.
HOME COUNTRY COVERAGE
That’s right – even if the SafetyWing Nomad Insurance plan is mostly made for nomads and frequent travelers, SafetyWing went the extra mile and offers limited home country coverage.
This point varies whether you’re a U.S. citizen or not, and this is what their full policy says;
U.S. home country: For every three-month period during which you are covered, eligible medical
expenses incurred in the U.S. are covered up to a maximum of 15 days.
Non-U.S. home country: For every three-month period during which you are covered, eligible medical expenses incurred in your home country are covered for up to a maximum of 30 days.
All in all, it’s very beneficial even if the period is limited.
Other than medical expenses, SafetyWing has your back with trip interruption protection too. Offering up to $5,000 of coverage and no deductible required, you can count on them.
However, please note the following conditions;
They cover the cost of an economy one-way flight or ground ticket to the area of your principal residence.
Also, you must provide proof of destruction due to fire or natural disaster of more than 40% of your residence, the death of a parent, spouse, sibling, child, or grandchild.
Alternatively, a letter from a physician stating that you must go back to your home country for medical reasons.
EMERGENCY MEDICAL EVACUATION
In extreme cases, this insurance provides emergency medical evacuation coverage up to $100,000.
Also, this isn’t subject to deductible, which is good for those who can’t afford it.
That’s an exceptional offering and this is the lifetime limit so, after reaching this limit, you won’t be able to get it again.
Get It Now: SafetyWing Nomad Insurance
SAFETYWING INSURANCE EXCLUSIONS
Naturally, as great as SafetyWing Insurance is, not everything is included, so let me walk you through the exclusions.
One crucial exclusion is worth noting: pre-existing conditions.
That includes any injury, sickness, or psychological illness that existed before you obtained the insurance coverage, and will therefore not be covered by your policy.
An honest and accurate risk assessment is key; if you have a pre-existing condition be sure to declare it in order to avoid any problems later on because your insurance policy won’t cover anything related to it.
SafetyWing covers you for a range of accidents and illnesses during your travels, so feel confident that you’re in good hands!
For the Tech Nomad, a mobile device is an essential part of life, so it’s important to be sure that those devices are adequately protected.
However, SafetyWing’s Nomad Insurance doesn’t cover any expensive electronics, which can seem counterintuitive initially, but this makes sense since most digital nomads already have extensive Gadget Insurance plans in place.
THEFT OR LOSS
SafetyWing’s Nomad Insurance has a strict policy against theft and loss.
While they are pretty flexible as a company and they have massive coverage, they do not offer any refund if you lose your phone somewhere or if a pickpocket robs you.
Despite these exclusions, SafetyWing is still a great option for travelers who need reliable medical insurance at an affordable price.
COVERAGE IN SANCTIONED COUNTRIES
That’s right – if you’re traveling or if you’re from specific sanctioned countries, then you will not be covered on your trip there.
The countries that SafetyWing does not cover are North Korea, Syria, Somalia, Cuba, Sudan, South Sudan, and Iran.
SAFETYWING AMBASSADOR PROGRAM
On top of the SafetyWing travel insurance, if you’re a digital nomad, influencer, or blogger looking for ways to make money while traveling, the SafetyWing ambassador program is an excellent option.
With the SafetyWing Ambassador program, you can earn money by promoting SafetyWing Nomad Insurance on your blog, website, social media, or newsletter.
You’ll gain access to their self-service tool and earn a fee by introducing new people to their company.
You can promote their services and you will receive a 10% commission on all sales generated through your referral link. Not bad!
Joining the SafetyWing Ambassador program is straightforward. All you have to do is sign up for the Ambassador Program here, and they will provide you with all the necessary information about how to get started.
Once you become an ambassador, you’ll be able to track your progress and earnings in real-time. It’s a great way to make some extra income while traveling!
DO I NEED TRAVEL INSURANCE?
Yes, absolutely you do.
You see, traveling is generally a cool experience and you’ll definitely have fun wherever you go.
But unfortunately, accidents can happen, and it’s common that you might face unexpected risks and costly surprises.
Having travel insurance is an important part of any traveler’s plans and it helps you pay unforeseen medical bills and even medical evacuation if needed.
When choosing SafetyWing Insurance, you can sleep well at night knowing you’re completely covered.
FINAL THOUGHTS – SAFETYWING REVIEW
There you have it, my complete SafetyWing review with everything you needed to know about SafetyWing Insurance, and I can’t stress enough how important it is to have travel insurance.
If you have any questions, please leave a comment below this post and I’ll get back to you as soon as I can.
For a quicker response, be sure to join Jonny Melon’s Travel Tribe on Facebook and post your questions or recommendations to our awesome community.
THANKS FOR READING
Hey friend, thanks for reading this guide!
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