Security Wing Overview (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 may 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, easy methods to choose the precise firm, and listed my most popular suppliers.

At present, I wish to discuss my favourite journey insurance coverage firm: SafetyWing.

Who’s SafetyWing?

SafetyWing is an insurance coverage firm that focuses on inexpensive protection for price range 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 affords 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 the most effective total journey insurance coverage firm on the market.

Their normal 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 relating to value.

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

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

At present I wish to evaluation Security Wing and discuss when it’s — and isn’t — value utilizing so you may higher put together on your subsequent journey and guarantee you may have the protection you want.
 

What Does SafetyWing Cowl?

SafetyWing’s normal 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 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 dying or dismemberment
• $20,000 USD for repatriation of stays

Make sure to examine 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 needs to be positive. (If you’d like increased 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 if in case you have a dear digicam or video gear.

As with most traditional journey insurance coverage, this one doesn’t embrace pre-existing circumstances or sure journey sports activities, so it’s not an excellent coverage if you happen to’re going to do a variety of journey actions on the street.

They do provide a pair useful add-ons that I feel a variety of vacationers will respect, together with protection for journey actions and electronics theft. That signifies that if you happen to want the protection, you may pay additional for it. Nonetheless, if you happen to don’t want it then you definately don’t should pay for it, retaining 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 Lined?

The Important plan is primarily geared in 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 offered for non-US residents)
• Pre-existing circumstances or normal 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 staff, and long-term vacationers. This new plan affords a mixture of the usual emergency protection that we’ve been discussing above together with “common” well being care protection, resembling routine visits and preventive care.

The Full plan additionally affords 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 feel is a good concept).

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

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

For those who’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 price range vacationers. It’s the plan I take advantage of once I journey as of late.

Nonetheless, if you happen to’re going to be working overseas or touring for months (or years), then their new Full plan is the higher choice. It affords far more protection whereas nonetheless being inexpensive. The truth is, it’s the plan I want I had once I began touring long-term!

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

Making a Declare

SafetyWing makes it straightforward to file a declare by means of their on-line portal. You simply add all of the required paperwork, screenshots, and photographs, 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).

For those who 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 quicker than most corporations!
 

A Observe About COVID

SafetyWing does embrace 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 obligatory).

SafetyWing additionally covers quarantine prices (outdoors your house nation) for as much as $50 USD/day for 10 days (supplied that you just’ve had your plan for not less than 28 days).
 

Professionals 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 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 can assist you determine 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 subject to examine and analysis, however it may 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 street, think about SafetyWing. To me, they’re the most effective journey insurance coverage firm on the market for price range vacationers.

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