SafetyWing Review: The Best Digital Nomad Travel Insurance? – Road Affair

Travel insurance coverage is a should, particularly when you stay a life on the highway. While it could seem to be a big expense that cuts into your funds, think about the lower into your funds if in case you have an accident or mishap with out protection. Having journey insurance coverage just like the one supplied by SafetyWing provides you peace of thoughts whilst you’re out exploring the world. And now, with the addition of their Complete plan, SafetyWing affords an much more complete answer for lengthy-time period vacationers.

What is SafetyWing?

SafetyWing is the reply for nomads in want of protection. It’s a journey medical insurance coverage firm created by nomads, for nomads. The insurance policies availabel through SafetyWing are underwritten by their trusted accomplice, Tokio Marine HCC. What makes SafetyWing stand out isn’t solely the pliability and affordability of their plans, but in addition the truth that you should purchase protection even when you’re already overseas. This makes it particularly engaging for digital nomads, backpackers, and expats.

Originally, SafetyWing supplied a single product: the Essential plan. But since then, they’ve launched the Complete plan—designed for full-time nomads and expats who need greater than emergency protection. It consists of all the advantages of the Essential plan, plus a broader vary of well being and journey safety, together with protection in your house nation and entry to routine care.

How Much Does SafetyWing Cost?

Any insurance coverage plan is certainly an expense, so it’s necessary to grasp how a lot of an expense it’s. SafetyWing’s Essential plan operates on a versatile, recurring foundation and is paid each 4 weeks (28 days). The value is set by the subscriber’s age: vacationers between the ages of 10 and 39 pay $56.28 each 4 weeks. Those aged 40 to 49 pay $92.40, vacationers between 50 and 59 pay $145.04, and people aged 60 to 69 pay $196.84 per cycle. One baby underneath the age of 10 might be added without cost per grownup, or two per household, so long as they’re over two weeks outdated.

For these not touring full-time, SafetyWing additionally affords brief-time period protection. Prices begin as little as $10.05 for a 5-day journey, making it accessible for holidaymakers in addition to nomads. It’s value noting that journey inside the United States will increase the price of the plan. However, U.S. protection doesn’t should be included for the total size of your journey and might be added at any level.

The Complete plan, then again, is designed as a protracted-time period answer. It comes with a minimal 12-month contract and might be paid month-to-month or yearly. Unlike the Essential plan, the Complete plan has no protection limitations in your house nation and consists of many extra healthcare providers. Pricing for the Complete plan varies extra considerably based mostly on age, protection space, and the inclusion of particular nations just like the U.S., Hong Kong, or Singapore. While it’s a better funding, it displays the broader and extra everlasting nature of its protection.

What Does SafetyWing Cover?

As with most journey insurance coverage, SafetyWing covers each medical and journey-associated mishaps, however the degree of protection depends upon which plan you select.

The Essential plan is targeted on offering emergency medical protection whilst you’re overseas. This consists of therapy for sudden sicknesses and accidents, medical evacuation, and journey interruptions corresponding to delays, misplaced baggage, or journey interruptions. Injuries sustained whereas driving a scooter or bike are additionally coated, supplied alcohol or racing weren’t concerned. While commonest sports activities are coated, excessive-threat actions like excessive sports activities require an add-on. Optional add-ons are additionally obtainable for U.S. protection and electronics theft.

With the launch of the Complete plan, SafetyWing now additionally affords rather more complete protection. This consists of the whole lot within the Essential plan, plus routine healthcare visits, psychological well being providers, maternity care, and most cancers screening and therapy. It additionally affords further journey advantages, corresponding to protection for housebreaking, journey cancellation, and delayed baggage. The Complete plan even consists of protection for journey sports activities by default and extends full protection in your house nation with out the 30-day restrict imposed by the Essential plan.

What Does SafetyWing NOT Cover?

While there may be loads that each plans cowl, there are some exclusions value noting. For each the Essential and Complete plans, pre-present circumstances are usually not coated. This consists of any sickness or situation that was current earlier than the beginning of your coverage.

The Essential plan additionally doesn’t cowl routine checkups, maternity care, psychological well being providers, imaginative and prescient or dental therapies, or prolonged dwelling nation protection. These limitations are addressed within the Complete plan, however sure elective procedures and beauty therapies nonetheless stay exterior the scope of protection.

Coverage for electronics corresponding to telephones, laptops, and cameras can also be not included by default however might be added as an non-obligatory profit.

What Countries Does SafetyWing Cover?

SafetyWing offers worldwide protection, aside from Cuba, Iran, and North Korea. These exclusions are widespread in worldwide insurance coverage as a consequence of sanctions or diplomatic restrictions.

For vacationers on the Essential plan, protection can also be obtainable throughout brief visits to your property nation—as much as 30 days for each 90 days of protection. This is right for individuals who journey ceaselessly however often return dwelling. However, when you’re planning to remain in your house nation for prolonged intervals or need uninterrupted protection whereas based mostly there, the Complete plan removes this restriction and offers full protection regardless of the place you might be.

Comparing SafetyWing Plans: Essential vs. Complete

Feature	Essential Plan	Complete Plan
Target Audience	Short- to mid-time period vacationers prioritizing emergency medical protection	Long-term digital nomads searching for complete well being and journey protection
Subscription Model	28-day cycle, auto-renews as much as 364 days, then new coverage begins routinely	12-month minimal contract, paid month-to-month or yearly, renewable indefinitely
Home Country Coverage	Short visits dwelling coated	No restrictions on protection at dwelling
Core Medical Coverage	Emergency accidents & sicknesses, medical evacuation	Includes all Essential advantages + routine healthcare, psychological well being, maternity
Preventive & Ongoing Care	Not coated	Covered: routine care, psychological well being, most cancers screening/therapy, maternity
Trip Protection	Trip delays, interruptions, and misplaced baggage	Adds journey/lodging cancellation, housebreaking, and delayed baggage
Add-Ons Available	Adventure sports activities, electronics theft, U.S. protection	Adventure sports activities included, electronics theft, protection in Hong Kong, Singapore, US
Pre-existing Conditions	Not coated	Not coated

How Do I File a Claim With SafetyWing?

Ideally you’d by no means must make a declare however when you do, know that the declare course of is tremendous simple and environment friendly. Here are the fundamentals:

1. Collect the cost receipts of your entire bills (physician’s therapy, pharmacy invoice, and so forth.) and make a duplicate of them.
2. Log into your SafetyWing dashboard and click on “Make a claim.”
3. Fill out a brief type and add your paperwork, receipts, and medical notes stating the therapy you had and why.
4. You will obtain a affirmation electronic mail and might monitor the standing of your declare in your on-line profile.

If you might be uncertain about any of the steps, ship them an electronic mail to [email protected] or use their chat.

SafetyWing vs. World Nomads

World Nomads has been round for some time and is sort of well-known and common. But SafetyWing has some benefits over World Nomads, with the most important being its value. At lower than half the worth of World Nomads, SafetyWing is a much more affordable option. Additionally, SafetyWing has obtained very excessive scores on TrustPilot simply outscoring World Nomads.

SafetyWing continues to be one of the crucial versatile and traveler-pleasant insurance coverage choices obtainable. Whether you’re a brief-time period traveler in search of emergency protection with the Essential plan, or a full-time nomad searching for a extra everlasting well being and journey security web by the Complete plan, SafetyWing has you coated.

If you’re prepared to guard your adventures and discover the world with peace of thoughts, you will get a quote and join under: