Security Wing Evaluate (Up to date 2025)

Funds 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 house with out it.

Why?

As a result of I’ve seen firsthand how helpful it may be — and the way a lot cash it will possibly save.

I’ve misplaced baggage, had my digicam 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 however it’s supplied me with peace of thoughts as I discover.

I’ve written extensively through the years about why you want insurance coverage, learn how to choose the appropriate firm, and listed my most well-liked suppliers.

Immediately, I need to speak about my favourite journey insurance coverage firm: SafetyWing.

Who’s SafetyWing?

SafetyWing is an insurance coverage firm that focuses on reasonably priced 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 coverage (known as “Nomad Important”) for a fraction of what different corporations cost, though they’re additionally much less complete. To me, they’re the most effective general journey insurance coverage firm on the market.

Their customary 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 on the subject of worth.

Their protection extends all the way in which to age 69, nonetheless, vacationers aged 60-69 ought to anticipate to pay upwards of $196 USD monthly for protection. Nonetheless very affordable, to be sincere.

However is the protection truly good? What concerning the customer support?

Immediately I need to evaluation Security Wing and speak about when it’s — and isn’t — value utilizing so you may higher put together in your subsequent journey and guarantee you’ve got the protection you want.
 

What Does SafetyWing Cowl?

SafetyWing’s customary 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 only $1.87 USD per day!

For vacationers below age 64, that plan consists of 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 resulting from 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

Make sure you verify the outline of protection for any situations that apply.

Its $100,000 USD for medical evacuation is on the low finish, however until you’re heading out into the distant wilderness, that must be effective. (If you would like greater 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 a dear digicam or video gear.

As with most traditional journey insurance coverage, this one doesn’t embody pre-existing situations or sure journey sports activities, so it’s not a great coverage when you’re going to do lots of journey actions on the highway.

They do provide a pair useful add-ons that I feel lots of vacationers will respect, together with protection for journey actions and electronics theft. That implies that when you want the protection, you may pay further for it. Nevertheless, when you don’t want it then you definitely don’t should pay for it, protecting your prices low. I respect 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 Lined?

The Important plan is primarily geared in the direction of protecting 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 (until you buy the journey sports activities add-on, which is offered for non-US residents)
• Pre-existing situations or common 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 employees, 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, comparable to routine visits and preventive care.

The Full plan additionally gives protection in 175 international locations, consists of 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 superb concept).

It’s just like the form of medical insurance you’d discover in your house nation, guaranteeing that you just’re sorted it doesn’t matter what occurs when you’re overseas.

You’ll be able to be taught extra and evaluate the plans right here.

If you happen to’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 reasonably priced, and is designed for finances vacationers. It’s the plan I exploit after I journey lately.

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

You’ll be able to be taught extra concerning the Full plan in my devoted evaluation.

Making a Declare

SafetyWing makes it straightforward to file a declare by their on-line portal. You simply add all of the required paperwork, screenshots, and images, 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 common wait time is 4 days).

If you happen to learn the evaluations on-line, most individuals who had a unfavourable expertise both didn’t know concerning 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 folks to complain about.

On the plus aspect, SafetyWing’s common time to deal with a declare is down to only 4 days. That’s method quicker than most corporations!
 

A Observe About COVID

SafetyWing does embody protection for COVID-19. So long as the virus was not contracted earlier than your plan begins, then will probably be lined (so long as it’s medically mandatory).

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

Execs and Cons of SafetyWing

Right here’s a glance that the professionals and cons of SafetyWing at a look that will help you resolve if it’s the most effective 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 perhaps extra of a precedence for a shorter-term traveler. Right here’s a fast chart that will help you resolve if SafetyWing is best for you:

Journey insurance coverage is one thing I by no means go away house with out. I do know it’s a boring matter to examine and analysis, however it will possibly actually prevent tons of or 1000’s of {dollars} in payments! I by no means, ever go away house with out it. You shouldn’t both.

So, the following time you’re on the highway, take into account SafetyWing. To me, they’re the most effective journey insurance coverage firm on the market for finances vacationers.

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