Security Wing Assessment (Up to date 2025)

Price range 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 dwelling with out it.

Why?

As a result of I’ve seen firsthand how helpful it may be — and the way a lot cash it might 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 however it’s supplied me with peace of thoughts as I discover.

I’ve written extensively through the years about why you want insurance coverage, methods to decide the precise firm, and listed my most popular suppliers.

In the present day, I need to speak about my favourite journey insurance coverage firm: SafetyWing.

Who’s SafetyWing?

SafetyWing is an insurance coverage firm that focuses on inexpensive protection for finances 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 fundamental insurance coverage (known as “Nomad Important”) for a fraction of what different corporations cost, though they’re additionally much less complete. To me, they’re the most effective 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 in relation to value.

Their protection extends all the way in which to age 69, nevertheless, vacationers aged 60-69 ought to anticipate to pay upwards of $196 USD monthly for protection. Nonetheless very cheap, to be sincere.

However is the protection really good? What in regards to the customer support?

In the present day I need to evaluation Security Wing and speak about when it’s — and isn’t — value utilizing so you possibly can higher put together to your subsequent journey and guarantee you’ve got 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 (exterior the US). That works out to simply $1.87 USD per day!

For vacationers beneath age 64, that plan contains 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 on account 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 demise or dismemberment
• $20,000 USD for repatriation of stays

You’ll want to test the outline of protection for any circumstances 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 must be wonderful. (If you need greater 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 may not even want the protection supplied by SafetyWing. Moreover, it doesn’t actually cowl costly electronics, which sucks when you have a dear digital camera or video gear.

As with most traditional journey insurance coverage, this one doesn’t embody pre-existing circumstances or sure journey sports activities, so it’s not a superb coverage should you’re going to do numerous journey actions on the street.

They do provide a pair useful add-ons that I feel numerous vacationers will respect, together with protection for journey actions and electronics theft. That implies that should you want the protection, you possibly can pay further for it. Nevertheless, should you don’t want it then you definately don’t must pay for it, conserving your prices low. I respect that, as somebody who at all times 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 fundamental journey mishaps (like delays and misplaced baggage). Listed here are some issues that aren’t coated:

• Alcohol- or drug-related incidents.
• Excessive sports activities & journey actions (except you buy the journey sports activities add-on, which is obtainable for non-US residents)
• Pre-existing circumstances or normal 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 known as their “Full” plan). It’s insurance coverage for digital nomads, distant employees, 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, similar to routine visits and preventive care.

The Full plan additionally provides protection in 175 international locations, contains 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 feel is a superb concept).

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

You may study extra and examine the plans right here.

If you happen to’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 inexpensive, and is designed for finances vacationers. It’s the plan I exploit once I journey nowadays.

Nevertheless, should you’re going to be working overseas or touring for months (or years), then their new Full plan is the higher choice. It provides way more protection whereas nonetheless being inexpensive. The truth is, it’s the plan I want I had once I began touring long-term!

You may study extra in regards to the Full plan in my devoted evaluation.

Making a Declare

SafetyWing makes it simple to file a declare by way of their on-line portal. You simply add all of the required paperwork, screenshots, and pictures, 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 typical wait time is 4 days).

If you happen to learn the critiques on-line, most individuals who had a unfavorable expertise both didn’t know in regards to 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 individuals to complain about.

On the plus aspect, SafetyWing’s common time to deal with a declare is down to simply 4 days. That’s means quicker 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 is going to be coated (so long as it’s medically crucial).

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

Execs and Cons of SafetyWing

Right here’s a glance that the professionals and cons of SafetyWing at a look that will help you resolve if it’s the most effective 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 is likely to be extra of a precedence for a shorter-term traveler. Right here’s a fast chart that will help you resolve if SafetyWing is best for you:

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

So, the following time you’re on the street, contemplate SafetyWing. To me, they’re the most effective journey insurance coverage firm on the market for finances vacationers.

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