SafetyWing Nomad Insurance Review: Is it Worth It?

Karen Roldan

05 Jan 2024 — 9 min read

SafetyWing Nomad Insurance Review Featured Image

When it comes to managing expenses, especially as a traveler, the instinct is often to cut costs whenever possible. While it's tempting to opt for the cheapest option or even skip it altogether, thinking you might never need it, quality travel insurance is an indispensable investment.

With SafetyWing Nomad Insurance, you're not just paying for a service you might use; you're securing peace of mind. It ensures that should the unexpected happen, you're not just covered, but comprehensively protected.

As a frequent traveler, I've experienced missing my connecting flight, flight cancellation, delayed flights, and even delayed baggage. Each of these incidents wasn't just inconvenient; they were among my worst travel experiences, particularly when trying to follow a tight schedule.

One thing I don't want to be unprepared for is medical emergencies and unexpected health issues while abroad, which is precisely what SafetyWing insurance covers, ensuring I have the necessary support and coverage no matter where I am.

In this SafetyWing Travel Insurance review, I'll share how it stands apart in providing the essential safety net for travelers, offering more than just savings in the long run.

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SafetyWing Nomad Insurance Overview

Overall, SafetyWing stands out as a highly recommended travel insurance for digital nomads and travelers. Offering continuous coverage in multiple countries under one policy, it's best for those living a nomadic lifestyle.

It provides travel insurance plans that you can sign up for before departure or during your trip. Also, it extends to global health insurance for remote workers and nomads, covering medical needs worldwide, including in your country of residence.

What is SafetyWing?

SafetyWing is a travel insurance company that offers various plans, including travel and health insurance, designed with the modern traveler in mind. It simplifies the complexities typically associated with travel insurance.

Whether you're a digital nomad, a remote worker, or a regular traveler, SafetyWing provides the flexibility and coverage necessary for international trips and lifestyles.

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SafetyWing Nomad Insurance Features

Continuous Coverage

This unique aspect of their insurance plan means that no matter how many countries you travel, you're protected, eliminating the hassle of purchasing separate insurance for each destination and paying multiple deductibles.

This continuous protection is particularly valuable for those with a nomadic lifestyle, ensuring peace of mind and coverage consistency no matter where their travels lead. For remote workers, it means global medical coverage, including in their home country, allowing them to travel and work without the worry of travel-related risks.

Nomad Insurance

The Nomad Insurance is made for the unique needs of travelers and digital nomads. As a comprehensive travel medical insurance, it ensures coverage for medical emergencies like accidents or illnesses that may occur outside your home country. Additionally, it covers common travel inconveniences such as travel delays, lost checked luggage, and emergency responses.

This insurance also offers optional add-ons to customize the coverage further. These include insurance for trips to the US, coverage for participating in adventure sports, and even protection against electronics theft.

Customizable Coverage Options

SafetyWing Insurance understands that every traveler's needs are unique, which is why they offer a variety of optional add-ons to tailor your coverage. Whether you're planning a trip to the US, engaging in adventure sports, or carrying valuable electronics, SafetyWing allows you to customize your insurance to suit your specific travel plans and activities. These flexible options ensure that you're not just covered but covered in a way that aligns perfectly with your lifestyle and travel itinerary.

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Pros of SafetyWing Nomad Insurance

Nomad Insurance offers a range of benefits ideal for travelers and digital nomads:

Global Sign-Up Flexibility: Insure yourself anywhere in the world, even while traveling.
Affordability: One of the most budget-friendly travel insurance options available.
COVID-19 Coverage Included: Comprehensive coverage for the pandemic.
24/7 Customer Service Hotline: Always available for help.
Continuous Coverage: Auto-renews every 4 weeks, with an optional end date setting.
Easy Cancellation Policy: Cancel your auto-extension anytime via your account.
Broad Medical Emergency Coverage: Extensive coverage for various medical situations.

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Cons of SafetyWing Nomad Insurance

While SafetyWing insurance offers many benefits, it's important to consider its limitations so there are no surprises when you cannot file a claim:

No Coverage for Pre-Existing Conditions: Important for those with existing health issues.
Excludes Routine Check-Ups and Preventive Care: Focused on emergency and unexpected medical needs.
Limited Adventure Sports Coverage: Not suitable for professional athletes or certain high-risk activities.
Electronics Coverage Limitation: Only for policies of 28 days or longer.
Higher Deductible ($250): More out-of-pocket expense before coverage starts.

What Does SafetyWing Nomad Insurance Cover?

SafetyWing Insurance provides coverage for medical expenses incurred due to sickness or injury while traveling outside your home country. For most medical coverage, you are responsible for the first $250 (deductible). This coverage includes:

Hospital stays
Prescription drugs
Ambulance and emergency transportation
Outpatient care
A daily allowance of $100 per night during hospitalization
Coverage for one family member's economy round-trip ticket and reasonable housing and food expenses for up to 15 days, should they need to visit you while you're hospitalized

Additionally, SafetyWing offers coverage for various travel mishaps. There's no deductible for these travel coverages, which include but are not limited to:

Up to $100 per day for unplanned overnight stays, for a maximum of 2 days
Up to $3,000 per insurance period for lost checked luggage, with a limit of $500 per item
Reimbursement of up to $100 for passport or visa replacement if stolen
Up to $5,000 for a one-way economy ticket home in case of unforeseen events in your home country

While coverage for travel delays is relatively low, you might not need to rely solely on SafetyWing for this. Travel credit cards or disrupted flight compensation companies can offer additional assistance and compensation from airlines.

For full details of what's covered in Nomad Insurance, you can read more here.

Who is SafetyWing Travel Insurance for?

This insurance is an ideal choice for different types of travelers, catering to their specific needs:

International Travelers: For those who seek insurance that is both comprehensive and flexible, SafetyWing offers the perfect blend of wide-ranging coverage and adaptability to different travel needs.
Digital Nomads: With its continuous coverage feature, SafetyWing is tailor-made for digital nomads who frequently move between countries, ensuring they remain insured no matter where their work takes them.
Budget-Conscious Individuals: SafetyWing is a great fit for those who want affordable yet extensive travel insurance. It's especially beneficial for those who appreciate the flexibility to customize their coverage with various add-ons.

SafetyWing Insurance Pricing

This insurance provides coverage for individuals up to 69 years old. The price depends on the length of coverage and the selected add-ons. Generally, for those aged 10-39 years, the cost is $45.08 for 4 weeks (28 days) of coverage, which includes a $250 deductible and a maximum limit of $250,000.

</center>  <h2 class="kt-adv-heading13589_25011a-c3 wp-block-kadence-advancedheading" data-kb-block="kb-adv-heading13589_25011a-c3">What's not covered in SafetyWing Nomad Insurance</h2>  <p>Since Nomad Insurance is not a primary health insurance, it does not cover cancer treatments, routine check-ups, and pre-existing conditions.</p>   <p>Additionally, SafetyWing does not assist in claiming compensation from airlines for missed connection flights, canceled flights, delayed flights, delayed baggage, or lost luggage. For these specific issues, you'll need to seek coverage from <a href="/airhelp-review/" data-type="post" data-id="11554">disrupted flight compensation companies</a>.</p>   <h2 class="wp-block-heading"><strong>FAQs About SafetyWing Travel Insurance</strong></h2>  <div class="wp-block-rank-math-faq-block"><div class="rank-math-faq-item"><h3 class="rank-math-question">Is SafetyWing Legit?</h3><div class="rank-math-answer">SafetyWing is a well-known travel insurance company, recognized for its comprehensive coverage options for travelers.</div></div><div class="rank-math-faq-item"><h3 class="rank-math-question">Can regular travelers use SafetyWing?</h3><div class="rank-math-answer">Yes, SafetyWing is suitable for all travelers, not just those visiting multiple countries throughout the year. You can opt for Nomad Insurance either by paying upfront for a specific trip with a set end date or by subscribing for continuous coverage if you are traveling for at least 28 days.</div></div><div class="rank-math-faq-item"><h3 class="rank-math-question">Can I purchase SafetyWing insurance while already abroad?</h3><div class="rank-math-answer">One of the benefits of SafetyWing is the flexibility to purchase Nomad Insurance from anywhere in the world, even if your trip has already begun.</div></div><div class="rank-math-faq-item"><h3 class="rank-math-question">Does SafetyWing cover COVID?</h3><div class="rank-math-answer">Nomad Insurance includes coverage for medically necessary treatments and tests related to COVID. It's important to note that you're eligible for a daily allowance of up to $50 for quarantine expenses for a maximum of 10 days, provided you have had active insurance for at least 90 days.</div></div><div class="rank-math-faq-item"><h3 class="rank-math-question">Does SafetyWing cover preexisting conditions?</h3><div class="rank-math-answer">No, Nomad Insurance generally does not cover any pre-existing diseases or injuries. However, emergency treatment for a pre-existing condition is covered.</div></div></div>  <div class="wp-block-affiliate-plugin-lasso">[lasso id="10618" link_id="9176" ref="safetywing-nomad-insurance"]</div>   <h2 class="wp-block-heading">Final Thoughts: Is SafetyWing Nomad Insurance Worth It?</h2>   <p>SafetyWing Nomad Insurance stands out as a practical and reliable option for travelers, particularly for digital nomads and those exploring the world on a budget. </p>   <p>Its combination of comprehensive coverage, affordable pricing, and flexible features, such as continuous coverage and customizable add-ons, makes it a standout choice in the travel insurance market. </p>   <p>Although it has certain limitations, the overall value that SafetyWing offers, especially for digital nomads, is hard to beat.</p>  </body>