Security Wing Evaluation (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 go away 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 will probably save.

I’ve misplaced baggage, had my digital camera 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 nevertheless it’s supplied me with peace of thoughts as I discover.

I’ve written extensively over time about why you want insurance coverage, decide the fitting firm, and listed my most well-liked suppliers.

Immediately, I wish to speak about 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 must be both to get protection). It’s run by nomads and expats who know precisely what such vacationers want.

SafetyWing provides primary insurance coverage (referred to as “Nomad Important”) for a fraction of what different corporations cost, though they’re additionally much less complete. To me, they’re one of the best 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 in relation to worth.

Their protection extends all the way in which to age 69, nonetheless, vacationers aged 60-69 ought to count on to pay upwards of $196 USD per 30 days for protection. Nonetheless very cheap, to be sincere.

However is the protection truly good? What in regards to the customer support?

Immediately I wish to evaluate Security Wing and speak about when it’s — and isn’t — value utilizing so you may higher put together on your subsequent journey and guarantee you might have 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 only $1.87 USD per day!

For vacationers underneath 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 attributable to 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 dying or dismemberment
• $20,000 USD for repatriation of stays

You should definitely test 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 high-quality. (If you’d like larger 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 in case you have a dear digital camera 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 an excellent coverage for those who’re going to do a variety of journey actions on the street.

They do supply a pair useful add-ons that I believe a variety of vacationers will respect, together with protection for journey actions and electronics theft. That signifies that for those who want the protection, you may pay additional for it. Nevertheless, for those who don’t want it then you definately don’t must pay for it, conserving your prices low. I respect that, as somebody who all the time wants digital protection however who by no means wants journey exercise protection (I’m not a giant adrenaline junkie).
 

What’s Not Coated?

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 coated:

• Alcohol- or drug-related incidents.
• Excessive sports activities & journey actions (except you buy the journey sports activities add-on, which is out there 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 referred to 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, akin 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 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 believe is a superb thought).

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

You’ll be able to be taught extra and examine 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 excellent for emergencies, is tremendous inexpensive, and is designed for finances vacationers. It’s the plan I exploit after I journey as of late.

Nevertheless, for those who’re going to be working overseas or touring for months (or years), then their new Full plan is the higher choice. 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 be taught extra in regards to the Full plan in my devoted evaluate.

 

Making a Declare

SafetyWing makes it straightforward to file a declare via 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 typical wait time is 4 days).

Should you learn the opinions on-line, most individuals who had a detrimental 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 aspect, SafetyWing’s common time to deal with a declare is down to only 4 days. That’s means sooner than most corporations!
 

A Be aware 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 coated (so long as it’s medically needed).

SafetyWing additionally covers quarantine prices (outdoors your own home nation) for as much as $50 USD/day for 10 days (supplied that you simply’ve had your plan for not 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 will help you determine if it’s one of the best 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 likely to be extra of a precedence for a shorter-term traveler. Right here’s a fast chart that will help you determine if SafetyWing is best for you:

 

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

So, the subsequent time you’re on the street, think about SafetyWing. To me, they’re one of the best journey insurance coverage firm on the market for finances vacationers.

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