Security Wing Overview (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 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 may 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 offered me with peace of thoughts as I discover.

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

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

 

Who’s SafetyWing?

SafetyWing is an insurance coverage firm that focuses on reasonably priced protection for price range vacationers and digital nomads (although you don’t need to be both to get protection). It’s run by nomads and expats who know precisely what such vacationers want.

SafetyWing gives 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 total 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 in terms of value.

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 thirty days for protection. Nonetheless very cheap, to be trustworthy.

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

Immediately I need to evaluation Security Wing and discuss when it’s — and isn’t — value utilizing so you’ll be able to higher put together to your subsequent journey and guarantee you’ve gotten 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 (outdoors the US). That works out to simply $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 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 demise or dismemberment
• $20,000 USD for repatriation of stays

Make sure to examine the outline of protection for any situations 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 needs to 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 won’t even want the protection supplied by SafetyWing. Moreover, it doesn’t actually cowl costly electronics, which sucks when you have 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 very good coverage in case you’re going to do lots of journey actions on the street.

They do provide a pair useful add-ons that I feel lots of vacationers will recognize, together with protection for journey actions and electronics theft. That signifies that in case you want the protection, you’ll be able to pay further for it. Nonetheless, in case you don’t want it then you definately don’t need to pay for it, retaining your prices low. I recognize 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 Coated?

The Important plan is primarily geared in the direction of masking medical emergencies and primary journey mishaps (like delays and misplaced baggage). Listed below 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 on the market for non-US residents)
• Pre-existing situations 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 gives 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 gives protection in 175 nations, 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 type 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 may be taught extra and evaluate the plans right here.

When 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 reasonably priced, and is designed for price range vacationers. It’s the plan I take advantage of once I journey nowadays.

Nonetheless, in case you’re going to be working overseas or touring for months (or years), then their new Full plan is the higher possibility. It gives rather more protection whereas nonetheless being reasonably priced. The truth is, it’s the plan I want I had once I began touring long-term!

You may be taught extra concerning the Full plan in my devoted evaluation.

 

Making a Declare

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

When you learn the opinions on-line, most individuals who had a unfavorable 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 individuals to complain about.

On the plus aspect, SafetyWing’s common time to deal with a declare is down to simply 4 days. That’s manner 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 obligatory).

SafetyWing additionally covers quarantine prices (outdoors your property nation) for as much as $50 USD/day for 10 days (offered that you just’ve had your plan for a minimum of 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 resolve 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 could be extra of a precedence for a shorter-term traveler. Right here’s a fast chart that can assist you resolve if SafetyWing is best for you:

 

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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 may actually prevent lots of or hundreds 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 street, take into account SafetyWing. To me, they’re one of the best journey insurance coverage firm on the market for price range vacationers.

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