SafetyWing: A great travel insurance for digital nomads and long term travelers

All you need to know about SafetyWing: Is it legit? What is covered? How much does it cost? Why is it cheap? Why Nomad Insurance is considered the best travel insurance for digital nomads?

Being a digital nomad is great, but finding the ideal travel insurance can be challenging. After testing Nomad Insurance (a travel insurance by SafetyWing), analyzing their policy and comparing it to similar companies, we can now share with you our overall review with pros & cons of their coverage, help you understand why they are cheaper than competitors and why they should be considered next time you need to purchase a travel insurance policy.

Calling attention to all digital nomads, expats and long term travelers: This post is dedicated to you!

🦊 Honest fox disclaimer:
* This article was sponsored by SafetyWing, and they offered us a temporary travel insurance so that I, Elaine, could test it and share my experience with you.
** This post contains affiliate links, which means that when you buy a product/service after clicking on our links, LMTM earns a commission that helps us keep posting free content for all traveling foxes around the world ✌🏽🦊.

About SafetyWing

SafetyWing is an insurance company created by digital nomads, for digital nomads and regular travelers. They observed the essential needs that nomads like us have and saw the opportunity to create a customized travel insurance with great coverage at a reasonable cost.

The main issue that nomads have to deal with is the lack of support that a regular corporate full-time employee has. Today, if you want to be location independent and work as a blogger, freelancer or a musician, for example, you don’t have easy access to health and life insurance, a retirement plan, sick leave, etc.

Knowing that, three friends: Sondre Rasch, Sarah Beyahte Sandnes and Hans Kjellby, had the idea to create what they call a global social safety nest.

The name SafetyWing represents the freedom they want people to have, by living, working and traveling wherever they want.

At the moment, SafetyWing offers three different types of insurance:

Nomad Insurance	Nomad Health	Remote Health
Global medical and travel insurance for digital nomads	Global health insurance for remote workers and nomads	Remote health insurance for remote workers

Besides their current available products, they are working on global retirement and pension plans, disability insurance, parental leave, extended health and life insurance, income stabilization for freelancers, and more.

Note that in this article we will be focusing on their Nomad Insurance.

SafetyWing Coverage – Nomad Insurance

Are you wondering what SafetyWing covers? Here is a summary:

*⚠️ Important! All the information provided here were collected on July 15th, 2023 and are subject to change at any time. Make sure you always read the full policy before making any purchase.

Medical Insurance Coverage

When it comes to medical incidents, find below what is covered by the Nomad Insurance policy:

Medical Insurance	Coverage USD*
Max Limit	$250,000 from 15 days to 64 years $100,000 from 65 years to 69 years old
Deductible	$250
Hospital	Room and nursing services
Intensive care	Up to the overall maximum limit
Ambulance	Usual, reasonable and customary charges when covered illness or injury results in hospitalization
Urgent charges	$50 co-payment, not subject to deductible.
Physical therapy and chiropractic care	Up to $50 per day. Must be ordered in advance by a physician.
Emergency dental	Up to $1,000. Not subject to deductible.
All Other Eligible Medical Expenses (Including COVID-19)	Up to the overall maximum limit.

What is not covered?

Just like most travel insurance, SafetyWing Nomad Insurance does not cover:

❌ Pre-existing conditions: It does not cover pre-existing conditions (diseases, injuries, etc). Except as provided for under the “Acute Onset of Pre-existing Conditions” benefit*.

❌ General exclusions: All forms of cancer or neoplasm, pregnancy after the 26th week, mental illness, sexually transmitted diseases, substance abuse and others*.

❌ High Risk Sports: High risk sports such as cave diving, hang-gliding, cliff jumping, kite-surfing, parachuting, paragliding, parasailing, quad biking, snow mobiles, whitewater rafting, etc.*

Travel Insurance Coverage

Below, you can see what is covered by the Nomad Insurance policy when something goes wrong during your trip:

Travel Insurance	Coverage USD*
Trip interruption	Up to $5,000. No deductible
Travel delay	Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days. No deductible
Lost checked luggage*	Up to $3,000 per certificate period; $500 per item. Up to $6,000 lifetime limit. No deductible.
Lost or Stolen Passport/Travel Visa	Up to $100 – not subject to deductible
Border Entry Protection	Up to $500 if traveling on a valid B -2 visa and denied entrance at the U.S. border. – not subject to deductible
Personal Liability	Up to: $25,000 lifetime maximum $25,000 third person injury $25,000 third person property $2,500 related third person property not subject to deductible or overall maximum limit
Accidental death & dismemberment (AD&D)	Up to: $25,000
Natural disaster — a new place to stay	Up to $100 a day for 5 days. No deductible
Political evacuation	Up to $10,000 lifetime maximum. Not subject to deductible
Emergency medical evacuation	Up to $100,000 lifetime maximum. Not subject to deductible or overall maximum limit.

What is not covered?

❌ Gear and Equipment: Unfortunately, they don’t cover these items in case they get stolen or break accidentally.

How much is SafetyWing insurance

Find below how much the Nomad Insurance policy by SafetyWing costs:

Age Range	Without U.S. Coverage / 4 weeks *	With U.S. Coverage / 4 weeks *
15 days – 9 years old	One child older than 14 days, but less than 10 years old, per adult, is included in the insurance without added cost.	One child older than 14 days, but less than 10 years old, per adult, is included in the insurance without added cost.
10 – 39 years old	USD 45.08	USD 83.44
40 – 49 years old	USD 73.92	USD 137.48
50 – 59 years old	USD 115.92	USD 226.24
60 – 69 years old	USD 157.36	USD 308.84

Get a Nomad Insurance quote now:

Why is SafetyWing cheaper than other travel insurance?

To keep prices competitive enough, they have a US$250 deductible fee for most medical expenses (paid only once) and exclude the electronic devices insurance in their policy.

Why is SafetyWing considered the best travel insurance for digital nomads?

Even though digital nomads and long term travelers need flexibility to purchase and renew their travel insurance from anywhere at any time, most insurance companies only allow you to purchase it before you leave home and don’t let you extend it while traveling. The Nomad Insurance by SafetyWing allows all of that, with only a few exceptions due to local regulations and requirements**.

These location independent travelers and workers also face high costs when purchasing travel insurance for long periods, and SafetyWing can beat their competitor’s price.

** The exceptions due to local regulations and requirements are: Australia, Canada and the U.S. states of Maryland, New York and Washington. This means that you can’t purchase or renew your Nomad Insurance while physically there, no matter if you are a resident or a traveler in one of these places. The solution would be purchasing it from a nearby country or city.

SafetyWing Travel Insurance Reviews

You are probably asking yourself “Is SafetyWing insurance good?“. A great way to have an idea of how good or bad an insurance is, is by looking at their customer reviews on reliable websites.

Being realistic, every single insurance company is going to have complaints, so what I do is compare a couple of them. This way I can see which one has a better overall review.

As you can see below, SafetyWing has good travel insurance reviews at Trustpilot.com.

Besides that, I have a couple of friends who have used them and liked it. This is what interested me in testing Nomad Insurance and brought me to work with SafetyWing as an affiliate.

My personal SafetyWing review

Elaine Villatoro traveling in the U.S. while insured by SafetyWing

Pros & Cons of SafetyWing Nomad Insurance policy

Pros	Cons
✅ Competitive price: When compared to other travel insurances, especially in long term travels, SafetyWing is usually cheaper.	❌ Deductible: You need to pay $250 for most medical expenses (only once per policy period).
✅ Flexibility: You can buy it at any time (before or after you started traveling) and extend it while you are traveling for up to 364 days**.	❌ Age limitations: They only cover people between 15 days and 69 years old, which doesn’t make them very inclusive to senior people.
✅ Multiple countries: The same policy is valid for multiple countries.	❌ Gear and electronics: Electronics and gear aren’t covered in case they get stolen.
✅ Countries coverage: The Nomad Insurance covers any country, with the exception of: – Any country or area that is sanctioned by the U.S. such as Cuba, Iran, North Korea, Syria, Russia, Belarus and selected regions of Ukraine: Luhansk, Donetsk, Crimea. – USA, unless you have the US add-on.	❌ Trip cancellation: is not covered.
✅ Monthly payments: You can either pay for an established travel period or sign-up for automatic monthly renewal (every 28 days) for up to 364 days.	❌ Language limitations: Website and support available in English only.
✅ Covers visits to home: For every 90 days of coverage while traveling abroad, you are covered for up to 30 days in your home country (15 days if your home country is the US), for unforeseen eligible medical conditions.	❌ Minimum of days: A minimum of 5-day coverage is required.
✅ Children free of charge: 2 children under 10 per family (1 per adult) can be included on your insurance free of charge.	🟡 Purchases in USD only: Since the purchase is available only in USD, foreigners may have additional tax (which can be avoided when you pay with an International Bank account).
✅ Sports: It covers most amateur/non-professional sports and activities such as bungee jumping, scuba diving, ski, snowboarding, and others. With the exception of high risk activities*.	🟡 Promo codes: At the moment, they are not offering promo and discount codes.
✅ Easy to cancel: In case you have a recurring plan, you can cancel it directly on their website.

As you can see, there are more pros than cons. I would say that the biggest cons for me are the deductible and the lack of coverage for electronics and trip cancelation. I would definitely expect electronics coverage from a travel insurance focused on digital nomads.

The other cons are quite common among travel insurance policies, so I don’t really consider them a big deal. Although, bear in mind that each traveler may have different needs and priorities.

Why you should consider SafetyWing travel Insurance?

After all, considering the cost and that we usually don’t need to make claims (I hope it stays this way for both you and I 🙏🏻😂), this the most flexible and affordable travel insurance.

Note that it is not only great for digital nomads, but for general travelers on a sabbatical or long trips as well. Also, I find it incredible that you can add kids to the policy for free!

Fox Tips 🦊:

• Get an electronic device insurance in parallel. This way you can travel the world with peace of mind.
• Understand your own scenario. Read the full policy carefully and consider the SafetyWing travel insurance reviews that are more aligned to your own needs.
• No matter the company, make sure you purchase a travel insurance policy whenever you travel abroad. The cost of medical care can be extremely expensive in some countries.

Now that you know that SafetyWing is legit, that they have good overall travel insurance reviews and are aware of their pros and cons, let us know: do you feel this is the right option for you?

In case your answer is yes, I would like to kindly ask you to purchase your travel insurance with our affiliate link. This way you help Live More, Travel More keep creating new content for you for free.

SafetyWing FAQs

Read more:

• Travel Medicine: How to avoid getting sick while traveling
• Going abroad? Take care of yourself with these travel health tips
• Worldpackers: What it is, how it works and tips that will change the way you travel
• What is a work exchange program?