SafetyWing Review
I have reviewed SafetyWing health insurance and would like to share my opinion about it with you. So, if you’re looking for a comprehensive review of SafetyWing, your search ends here.
For digital nomads or long-term travelers, finding an insurance provider that covers their unconventional lifestyle and doesn’t cost a lot can be challenging. However, SafetyWing claims to offer this type of coverage. It’s worth considering if you fit this lifestyle, but you should shop around if it doesn’t meet your needs.
It that you may need health insurance as a digital nomad. I previously wrote a detailed post on why it is important, but to summarize, having health coverage is crucial no matter where you are in the world to ensure your well-being.
There are various situations that could arise such as getting the flu and requiring medication, experiencing an unforeseen allergic reaction, injuring your toe and suffering a severe infection, or being involved in an accident and needing emergency medical attention at a hospital.
Having an accident on the road can lead to expensive medical treatments that most people can’t afford out of pocket. To avoid such situations, it’s important to have an insurance policy no matter where you are.
If you work remotely, freelance, run your own business, or live in a foreign country, SafetyWing offers travel medical insurance designed for people like you. It is a great option if you identify as a digital nomad.
SafetyWing was founded by three Norwegian friends who are digital nomads themselves. They noticed that there was a lack of insurance coverage for their community. Recognizing that the digital nomad lifestyle is becoming more popular, they decided to create SafetyWing.
So you are probably asking yourself now: Can you provide more information about the coverage provided by your SafetyWing insurance policy?
SafetyWing policy includes coverage for the following incidents:
I just want to point out that our coverage is better than what many other travel and health insurance providers offer.
I’ve listed some of the most important benefits for you and their coverage limits in detail:
| Benefit | Limit |
| Acute onset of a pre-existing condition | Up to $250,000 |
| Local ambulance | Usual, reasonable, and customary charges, when covered injury or illness results in a hospitalization as an inpatient |
| Emergency dental | Up to $1,000 |
| Intense care unit | Up to $250,000 |
| Hospital room and board | This is the average semiprivate room including nursing service |
| Outpatient physical therapy and chiropractic care | Up to $50 per day |
| Terrorism | Up to $50,000 |
| Other eligible medical expenses | Up to $250,000 |
| Emergency medical evacuation | Up to $100,000 |
| Political evacuation | Up to $10,000 |
| Replacement accommodation after a natural disaster | Up to $100 a day |
| Trip interruption | Up to $5,000 |
| Lost checked luggage | Up to $3,000 |
| Travel delay | Up to $100 daily after a 12-hour delay period – requiring an unplanned overnight stay |
| Personal liability | Up to $10,000 |
| Repatriation of remains | Up to $20,000 |
| Accidental death & dismemberment | Up to $50,000 |
*There is a deductible of $250.
It is important to discuss what is not covered by SafetyWing. Like most travel and international health insurance providers, they do not cover certain things such as cancer treatment, routine check-ups, or pre-existing conditions. It may be expensive to include coverage for these and in many cases not practical.
Two things not covered by them are:
If’re a digital nomad who tends to travel spontaneously, you probably won’t have a lot of expenses related to trip cancellations. However, if you’re someone who enjoys adventure sports and plans to participate in a lot of them, this could be a major drawback. In that case, you could seek out additional coverage specifically for those activities.
So far, I have found SafetyWing to be the least expensive option for international health and travel insurance. Their rates are only one-third of what their biggest competitor charges. Here are the main prices:
| Age Range | Price per Month |
| 18-39 | $36.96 |
| 40-49 | $59.92 |
| 50-59 | $94.08 |
| 60-69 | $127.68 |
You be curious why SafetyWing health insurance is more affordable compared to other options. Here are the explanations.:
SafetyWing offers subscription-based coverage, which is convenient for digital nomads. You pay for the first 4 weeks of your trip, and the coverage automatically extends for another 4 weeks until you decide to cancel. There are no cancellation fees, and you can cancel at any time. If your policy is about to end after 364 days of coverage, SafetyWing will notify you. You can easily renew your policy if you are still traveling.
This is a great way to prevent accidentally running out of coverage because we often don’t know how long we will be traveling.
At SafetyWing, you can begin your travel and health insurance coverage at any time, including during your travels, which sets us apart from other policies. You don’t need to be in your home country to sign up.
SafetyWing provides coverage in over 180 countries around the world, making it possible to travel to almost anywhere. However, it’s important to note that if you plan on traveling to the USA, the monthly rate for your digital nomad health insurance will go up because medical expenses in the USA are higher.
If you travel to your home country, you can still get coverage from SafetyWing as long as you don’t spend more than 30 days there for every 90 days of coverage. However, if you are a US citizen, the coverage for your home country is limited to 15 days for every 90 days of coverage. This is a more generous offer than what other insurance providers usually provide.
One of the benefits of SafetyWing is that you don’t require a registered residence in your home country or anywhere else. Some insurance companies require you to maintain residency in order to provide coverage. This can be difficult for digital nomads who don’t have strong ties to a single location and frequently travel.
When I started my nomadic life, finding insurance was difficult because most companies required a permanent address. However, SafetyWing doesn’t have this requirement. You only need a postal address for receiving your final bill, which can be a friend’s or parent’s address.
Important Note: It’s important to obtain a receipt or bill for any payments you make, whether for medical bills or pharmacy purchases. Be sure to take photos of these documents right away because they can be lost easily. Without proof of payment, it won’t be possible to file a claim.
The process for making a claim is similar to that of other insurance companies. Here are the basics:
Make sure to always have an emergency fund in case you need to cover your expenses until you receive your money back.
Because SafetyWing is new and has a website that looks different from typical insurance websites, some individuals may be uncertain about trusting them.
You can trust SafetyWing as they are a legitimate and excellent health insurance option for digital nomads. They have collaborated with Tokio Marine, one of the largest insurance companies globally, which ensures that all claims are handled by a reliable and experienced company. There is no possibility of fraud with SafetyWing.
If you meet any of the following criteria, SafetyWing is the appropriate insurance for you:
SafetyWing might not be the best option for you if you frequently participate in adventure sports or carry valuable equipment, such as camera equipment worth $4,000.
I highly recommend SafetyWing as their policy covers everything a typical traveler needs, including personal liability and travel delays. The procedures are easy to understand and follow. Moreover, the subscription model is perfect for digital nomads as it allows them to begin coverage while traveling without having a permanent address, and they can cancel it whenever they want.
To purchase international health insurance, consider SafetyWing as a great option. You can register for your upcoming trip on their website.
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