Security Wing Evaluate (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 go away 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 could 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 supplied me with peace of thoughts as I discover.

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

At this time, I need to discuss 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 should be both to get protection). It’s run by nomads and expats who know precisely what such vacationers want.

SafetyWing gives primary insurance policy (known as “Nomad Important”) for a fraction of what different corporations cost, though they’re additionally much less complete. To me, they’re one of the best total journey insurance coverage firm on the market.

Their commonplace 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 worth.

Their protection extends all the best way to age 69, nonetheless, vacationers aged 60-69 ought to count on to pay upwards of $196 USD per 30 days for protection. Nonetheless very affordable, to be trustworthy.

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

At this time I need to overview Security Wing and discuss when it’s — and isn’t — price utilizing so you may higher put together on your subsequent journey and guarantee you may have the protection you want.
 

What Does SafetyWing Cowl?

SafetyWing’s commonplace 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 because 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 test 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 ought to be superb. (If you would like increased 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 provided 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 policy, this one doesn’t embrace pre-existing situations or sure journey sports activities, so it’s not an excellent coverage in case you’re going to do a whole lot of journey actions on the highway.

They do provide a pair useful add-ons that I feel a whole lot of vacationers will admire, together with protection for journey actions and electronics theft. That signifies that in case you want the protection, you may pay additional for it. Nevertheless, in case you don’t want it then you definately don’t should pay for it, holding your prices low. I admire that, as somebody who at all times wants digital protection however who by no means wants journey exercise protection (I’m not an enormous adrenaline junkie).
 

What’s Not Coated?

The Important plan is primarily geared in the direction of overlaying medical emergencies and primary journey mishaps (like delays and misplaced baggage). Listed here 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 accessible for non-US residents)
• Pre-existing situations or basic 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 staff, and long-term vacationers. This new plan gives a mixture of the usual emergency protection that we’ve been discussing above together with “common” well being care protection, equivalent to routine visits and preventive care.

The Full plan additionally gives protection in 175 international locations, contains wellness advantages, psychological well being care, and the power 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 good thought).

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

You possibly can study extra and evaluate the plans right here.

When 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 inexpensive, and is designed for finances vacationers. It’s the plan I exploit after I journey today.

Nevertheless, in case you’re going to be working overseas or touring for months (or years), then their new Full plan is the higher choice. It gives far more protection whereas nonetheless being inexpensive. In reality, it’s the plan I want I had after I began touring long-term!

You possibly can study extra in regards to the Full plan in my devoted overview.

 

Making a Declare

SafetyWing makes it simple to file a declare by 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).

When you learn the evaluations on-line, most individuals who had a unfavourable 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 facet, SafetyWing’s common time to deal with a declare is down to simply 4 days. That’s method sooner than most corporations!
 

A Be aware About COVID

SafetyWing does embrace 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 mandatory).

SafetyWing additionally covers quarantine prices (exterior your own home nation) for as much as $50 USD/day for 10 days (supplied that you simply’ve had your plan for at the very least 28 days).
 

Professionals and Cons of SafetyWing

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

 

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

So, the subsequent time you’re on the highway, contemplate SafetyWing. To me, they’re one of the best journey insurance coverage firm on the market for finances vacationers.

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