Security Wing Evaluate (Up to date 2025)

Finances 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 depart 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 might probably save.

I’ve misplaced baggage, had my digicam damaged, and even wanted emergency medical assist over time.

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 over time about why you want insurance coverage, find out how to decide the proper firm, and listed my most popular suppliers.

As we speak, 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 provides fundamental insurance coverage (known as “Nomad Important”) for a fraction of what different firms cost, though they’re additionally much less complete. To me, they’re the perfect general 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 on the subject of worth.

Their protection extends all the way in which to age 69, nevertheless, vacationers aged 60-69 ought to anticipate 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?

As we speak I need to evaluation Security Wing and discuss when it’s — and isn’t — price utilizing so you’ll be able to higher put together in your subsequent journey and guarantee you’ve gotten 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 (outdoors the US). That works out to simply $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 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

Remember to verify the outline of protection for any circumstances 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 must be wonderful. (If you need 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 may not even want the protection supplied by SafetyWing. Moreover, it doesn’t actually cowl costly electronics, which sucks if in case you have an expensive digicam or video gear.

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

They do supply a pair useful add-ons that I believe loads of vacationers will respect, together with protection for journey actions and electronics theft. That implies that when you want the protection, you’ll be able to pay further for it. Nevertheless, when you don’t want it you then don’t should pay for it, conserving 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 fundamental 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 offered for non-US residents)
• Pre-existing circumstances 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 employees, and long-term vacationers. This new plan provides 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 provides protection in 175 international locations, consists of wellness advantages, psychological well being care, and the flexibility 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 believe is a good thought).

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

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

Should you’re simply heading out for a pair weeks or a pair months, SafetyWing’s Important plan is the choice for you. It’s good for emergencies, is tremendous inexpensive, and is designed for finances vacationers. It’s the plan I take advantage of after I journey as of late.

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 provides way more protection whereas nonetheless being inexpensive. In actual fact, it’s the plan I want I had after I began touring long-term!

You’ll be able to study extra in regards to the Full plan in my devoted evaluation.

Making a Declare

SafetyWing makes it straightforward to file a declare by way of 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 per week (as of writing, the typical wait time is 4 days).

Should you learn the evaluations on-line, most individuals who had a damaging 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 means sooner than most firms!

A Notice About COVID

SafetyWing does embody 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 obligatory).

SafetyWing additionally covers quarantine prices (outdoors your property nation) for as much as $50 USD/day for 10 days (supplied that you just’ve had your plan for no less than 28 days).

Execs and Cons of SafetyWing

Right here’s a glance that the professionals and cons of SafetyWing at a look that can assist you determine if it’s the perfect 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 could be extra of a precedence for a shorter-term traveler. Right here’s a fast chart that can assist you determine if SafetyWing is best for you:

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

So, the following time you’re on the highway, think about SafetyWing. To me, they’re the perfect journey insurance coverage firm on the market for finances vacationers.

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