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 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 however it’s offered me with peace of thoughts as I discover.

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

In the present day, 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 funds 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 presents primary insurance policy (known as “Nomad Important”) for a fraction of what different firms 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, nevertheless, vacationers aged 60-69 ought to anticipate to pay upwards of $196 USD monthly for protection. Nonetheless very cheap, to be trustworthy.

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

In the present day I need to overview Security Wing and discuss when it’s — and isn’t — price utilizing so you may higher put together to your subsequent journey and guarantee you’ve got 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 (exterior the US). That works out to only $1.87 USD per day!

For vacationers beneath 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

Be sure you test the outline of protection for any circumstances that apply.

Its $100,000 USD for medical evacuation is on the low finish, however until you’re heading out into the distant wilderness, that needs to be effective. (If you would like 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 won’t 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 policy, 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 loads of journey actions on the street.

They do supply a pair useful add-ons that I feel loads of vacationers will respect, together with protection for journey actions and electronics theft. That implies that if you happen to want the protection, you may pay further for it. Nonetheless, if you happen to don’t want it then you definately don’t must 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 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 below are some issues that aren’t lined:

• Alcohol- or drug-related incidents.
• Excessive sports activities & journey actions (until you buy the journey sports activities add-on, which is obtainable 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 known as their “Full” plan). It’s insurance coverage for digital nomads, distant employees, and long-term vacationers. This new plan presents 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 presents 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 thought).

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

You possibly can be taught extra and examine the plans right here.

In case 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 funds vacationers. It’s the plan I exploit once I journey today.

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 possibility. It presents way more protection whereas nonetheless being inexpensive. In reality, it’s the plan I want I had once I began touring long-term!

You possibly can be taught extra in regards to the Full plan in my devoted overview.

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).

In case you learn the critiques 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 facet, SafetyWing’s common time to deal with a declare is down to only 4 days. That’s means quicker than most firms!
 

A Notice About COVID

SafetyWing does embrace 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 (exterior your property nation) for as much as $50 USD/day for 10 days (offered that you simply’ve had your plan for a minimum of 28 days).
 

Professionals 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 could 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:

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 a whole lot 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, contemplate SafetyWing. To me, they’re one of the best journey insurance coverage firm on the market for funds vacationers.

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