SafetyWing Review: The Best Travel Insurance for Digital Nomads
Are you looking for the best travel insurance for digital nomads? The SafetyWing Nomad Insurance is an international travel medical insurance that is the perfect choice for digital nomads. SafetyWing Nomad Insurance is the best way to avoid extra expenses due to unexpected accidents and emergencies.
Why travel insurance is important? These are some examples of common problems that can happen to anyone when traveling, such as losing your luggage or passport, a flight cancellation, emergency dental treatment, prescription medication, or hospitalization after an accident.
In this post, you can find out how much SafetyWing Nomad Insurance costs, what it covers, what it doesn’t cover, and why we recommend it.
About SafetyWing
SafetyWing is a global travel medical insurance company created by nomads for remote workers, traveling freelancers, digital nomads, and long-term travelers. They are backed by Tokio Marine HCC, one of the largest insurance providers in the world.
Currently, SafetyWing offers 3 insurance coverages:
- Nomad Insurance: Global travel medical insurance for nomads.
- Nomad Health: Global health insurance for remote workers and nomads.
- Remote Health: Global health insurance for remote companies.
SafetyWing covers people from all over the world while outside their home country. The Nomad Insurance is available to almost anyone, anywhere in the world. Unless you are 70 years or older and born less than 14 days ago.
What is Nomad Insurance?
Nomad Insurance is a travel medical insurance for digital nomads to cover accidents and emergencies during your travel. However, it is not a replacement for conventional health insurance! It does not cover routine checks, preventive care, elective treatment, or continuing treatment of chronic conditions.
Why Travel Insurance is a Must
One of the most frequently asked questions is: Should I buy travel insurance? In fact, anywhere in the world, an accident, illness, or theft of your luggage or electronic equipment can happen. Therefore, insurance is the best way to avoid unexpected problems, accidents, and emergencies. Avoid extra costs such as ambulance and emergency transportation, dental treatment, and medically necessary treatment. Take out travel insurance and never know what would have happened if you hadn’t.
We always choose SafetyWing Nomad Insurance for our travels.
What Does SafetyWing Offer?
- hospital room and board & including nursing services
- intensive care unit
- local ambulance
- urgent care
- physical therapy and chiropractic care
- emergency dental
- all other eligible medical expenses
- prescription drugs
- medically necessary treatment of unexpected illness or injury (inpatient or outpatient)
- ambulance and emergency transportation
In addition, you’ll also get travel cover for:
- trip interruption
- travel delay
- unplanned overnight stay
- lost checked luggage
- lost or stolen passport/travel visa
- political evucation
- emergency medical evacuation
- pet return
- accidental death and dismemberment
- personal liability
- limited natural disaster coverage
These are just a few examples of the most relevant ones. You can find the full list of up-to-date coverage options HERE.
Which Countries does SafetyWing Cover?
If you choose SafetyWing, you have coverage in over 175 countries, including full coverage in your home country.
Countries that have been sanctioned, such as Cuba, Iran, Syria, and North Korea, are not covered by SafetyWing.
What does SafetyWing Insurance Cover?
SafetyWing Nomad Insurance provides coverage for unexpected illness or injury, including eligible hospital, medical, or prescription drug expenses. This cover is provided by SafetyWing for people traveling outside their home country. It also covers, for example, evacuations due to local unrest, unplanned overnight stays, and lost checked luggage.
If you do not currently have an active policy with SafetyWing, the COVID-19 coverage will automatically be a part of your plan.
Am I Covered for Scooter Accidents?
Yes! You will be covered for your own eligible medical expenses in the case of an accident while riding a motorcycle, moped, or scooter. However, wear a helmet, have a valid driving license (international license if required), and do not drink alcohol when driving!
As we rent scooters in most Asian countries and motorbike accidents are common, SafetyWing Insurance is the best choice if you plan to rent a motorbike, such as in Bali, Vietnam, or Thailand.
Which Sports and Activities are Covered and Not Covered?
Check the list below to see which sports and activities are covered and which are not. These are just a few examples of the most relevant ones.
Covered Sports and Activities:
- safari tours
- zip line
- sailing
- skiing
- canoeing/kayaking
- snorkeling/swimming/surfing
- biking (including touring and organized tours)
- via ferrate/camping/trekking under 4500 meters altitude
Sports and Activities are Not covered:
- kitesurfing
- base jumping
- cliff diving
- quad biking
- parachuting
- racing
- whitewater rafting
- skiing/snowboarding off-piste
If you are a professional athlete or instructor, you are not covered while practicing your sport!
Benefits of SafetyWing Nomad Insurance
- You can sign up for Nomad Insurance before departure or at any time during your trip abroad.
- Cheap and high-value travel medical insurance.
- Simple 4-week payment plan or a set travel date.
- Travel to multiple countries and get continuous coverage with a single policy.
- Visits to your home country are covered. For every 90 days after that, you will be covered for up to 30 days in your home country (15 days if your home country is the U.S.).
- You can easily buy insurance for a friend, family or group member when you register.
- 2 children under 10 years per family per policy at no extra charge.
Downsides of SafetyWing Nomad Insurance
- Does not cover expensive electronic items.
- There is an age limit! If you are aged 70 or older, you are not eligible.
- The older you get, the more you pay.
- Exclusion of pre-existing conditions.
- Low maximum payout.
- Some adventure sports are not covered.
What does SafetyWing Not Cover?
Nomad Insurance is not primary health insurance and is therefore not included:
- Cancer treatment
- Pre-existing disease or injury
- Routine check-ups
- High-risk sports activity
How Much Does SafetyWing Nomad Insurance Cost?
SafetyWing is the cheapest nomad insurance where you can get the best prices. The price depends on your age and whether you are traveling to the United States or other countries outside the U.S.
The default length of Nomad Insurance Coverage is 4 weeks (28 days).
| Age Range | Excluding U.S. coverage | Including U.S. coverage |
| 15 days – 9 years old | 45.08 USD * | 83.44 USD * |
| 10-39 years old | 45.08 USD | 83.44 USD |
| 40-49 years old | 73.92 USD | 137.48 USD |
| 50-59 years old | 115.92 USD | 226.24 USD |
| 60-69 years old | 157.36 USD | 308.84 USD |
* One child older than 14 days but younger than 10 years old per adult is included in the insurance at no additional cost.
The deductible is 250 USD.
If you choose the set travel dates instead of the 4-week subscription, you pay for the whole trip upfront. An active insurance period lasts for a minimum of 5 days and a maximum of 364 days.
Optional add-ons
You can take out an optional add-on as coverage for electronic devices like cameras, smartphones, drones, tablets, and laptops up to 1000 USD per stolen item, with a total yearly limit of 3000 USD per policy. However, this option is only available for policies of 28 days or longer.
Coverage for additional adventure sports such as cave diving, hang gliding, kitesurfing, martial arts, and skydiving will cost extra.
How do I File a Claim?
Log in to your profile on the SafetyWing website, fill in the claim form, and submit the documents (medical report, proof of payment, or receipt) with your photos.
You must report electronic theft to the police within 24 hours!
You need to claim within 60 days of the end of your insurance! But if you are hospitalized, you must notify SafetyWing as soon as possible, but no later than before you are discharged. If the claim is approved, payment will be received by bank transfer to your bank account in less than 45 days.
Important note
In a medical emergency, call your local emergency number (dial 911) or go to the nearest hospital.
We hope you found our detailed post about SafetyWing Nomad Insurance useful. If you have any questions or thoughts, let us know in the comments below.
Disclosure: This post contains a few affiliate links, which means we may receive a small commission, at no cost to you, if you make a purchase through our link.