During your search for the best travel insurance, you may have come across SafetyWing, a global travel medical insurance that covers people from all around the world.
The company offers comprehensive coverage for digital nomads, travelers, and remote teams, and has two main products: Nomad Insurance, and Remote Health Insurance.
In this SafetyWing Nomad Insurance review, we’re going to look at the different features and policies of this company, including how it works, who it’s for, and more so you can determine whether or not it’s the right travel insurance for you.
Is SafetyWing Nomad Insurance Worth it?
The simple answer to that question is, yes. It’s worth getting this insurance if you’re a remote worker, digital nomad, long-term traveler, or ex-pat. It’s flexible and affordable, sign-up is easy, and it provides reliable coverage in case anything goes wrong.
This solution is an excellent option for anyone who’s budget-conscious but wants comprehensive coverage. The insurance can be purchased even after you’ve already embarked on your trip, and it also covers home trip visits.
Compared to other insurance providers, SafetyWing offers a fair price and an easy contracting process. The platform also has fantastic support and a great app that’s easy to use, even for first-timers to travel insurance.
One thing that’s worth mentioning, because I know plenty of digital nomads who are affiliate marketers, is the program has a very lucrative ambassador program you may like.
Who is SafetyWing Nomad Insurance Good For?
SafetyWing offers nomad and remote health insurance that’s ideal for a range of users, including the following:
Digital Nomads: Nomad insurance covers you whenever you’re outside your home country. It includes COVID-19 coverage, and you can buy it while already abroad.
Remote Workers: SafetyWing has fully-equipped health insurance designed specifically for global workforces. Companies can cover remote teams. All employees and contractors can be covered under one plan, regardless of where they are in the world.
Students: If you’re a student planning a semester or gap year abroad, you can protect yourself from life’s many unforeseen stresses with travel and health insurance from SafetyWing.
Vacationers: SafetyWing removes geographical borders that serve as a barrier to equal opportunities and freedom for all vacationers.
Budget-Conscious Companies: With SafetyWing, you get lower prices and extra benefits as your number of employees grows.
SafetyWing Nomad Insurance Functionality
1. Ease of Use
SafetyWing’s website is easy to use. You can manage everything from a user-friendly dashboard. You can see a simple overview of your insurance details and all covered members. There’s optional cover for things like dental, vaccinations, maternity, and screenings. You can manage all of these customizable add-ons from your dashboard.
Signup is easy.
First, decide on the product you want: Are you looking for personal medical or travel insurance, or maybe you want to insure your startup team?
Once you’ve made your choice, simply click the “Sign Up” button on the website and add your email address and password.
The example below is the signup form for Nomad Insurance which provides you with medical and travel insurance:
Once you enter your email and password, you’ll then be prompted to fill out more details on the next page:
Note that there are some restrictions on age and location, so you’ll know whether or not the company can offer you insurance after you’ve filled out this form.
Once you’re done adding your information, you’ll be presented with a quote for 4 weeks of insurance.
You can add an end date for shorter trips, and optional add-ons for coverage in different areas.
On the next page, you’ll have the option to add family members, destinations, and beneficiaries.
When you’ve entered all the relevant information, you can make payment, and you’ll be covered for any emergencies during that period.
Over 175 countries are covered except for Hong Kong, Singapore, and the US for more than 30 days unless you get the add-on.
2. Nomad Insurance
This is travel and medical insurance that’s built specifically for digital nomads. You can purchase it even if you’re already abroad. This insurance operates like a monthly subscription and covers home trip visits.
- Buy Abroad: You can sign up for SafetyWing insurance even if your journey has already started.
- Home Country Visits Covered: After being abroad for 90 days, you keep your medical coverage for 30 days in your home country if something happens while there. (15 days if your home country is the U.S.)
- Young Children Included: Up to 2 children under 10 per family (1 per adult) can be included on your insurance free of charge.
- Automatic Monthly Payments: From your chosen start date, your insurance automatically extends every 28 days until you pick an end date. Just like a subscription.
Travel Insurance Highlights:
- Trip interruption: Up to $5,000. No deductible.
- Lost checked luggage: Up to $3,000 per certificate period; $500 per item. Up to $6,000-lifetime limit. No deductible.
- Travel delay: Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days. No deductible.
- Natural disaster: a new place to stay Up to $100 a day for 5 days. No deductible.
- Emergency medical evacuation: Up to $ 100,000-lifetime maximum. Not subject to deductible or overall maximum limit.
- Political evacuation: Up to $ 10,000-lifetime maximum. Not subject to a deductible.
3. Remote Health Insurance
This review is mainly focused on the SafetyWing Nomad Insurance offering. However, it’s worth discussing the company’s other offering, Remote Health Insurance, which is more comprehensive global health insurance.
Offering healthcare to remote teams is one of the biggest challenges companies face. SafetyWing solves that problem with a fully-fledged health plan designed for remote entrepreneurs and teams.
It offers global companies a flexible solution that you won’t get from other insurance companies. For example, you’ll be able to cover all employees worldwide (those traveling while working remotely, and those who work from home) under one plan.
You’ll also be able to add or remove members quickly and easily through the user-friendly dashboard.
Each of these two policies has its own advantages and disadvantages, and the one you choose will depend on what you want to be covered.
The Nomad Insurance policy is a lot cheaper than the Remote Health policy, making it perfect for budget-conscious users. This policy covers medical emergencies, and many different travel benefits to give you a broader variety of coverage, as opposed to just health insurance.
However, the policy’s medical coverage isn’t as extensive as the Remote Health Policy, so that’s something to consider.
The Remote Health Insurance policy is a good option for you if you need comprehensive health insurance to cover more than just emergencies. For instance, some pre-existing conditions are covered by this policy, and you can get regular health checks. However, it’s a huge commitment as it’s an annual policy.
Keep in mind also that it doesn’t include any travel benefits. So, if you’re looking for cover for travel delays, trip interruption, or lost checked luggage, you will be better served by the Nomad Insurance policy.
Medical Insurance Benefits include:
- Hospital treatment and accommodation (standard private room)
- Cancer treatment (inpatient and outpatient, includes tests and medication)
- Reconstructive surgery after an accident or illness
- Adult companion accommodation
- Evacuation and repatriation
- Accident and Emergency non-elective treatment outside area of coverage
- Outpatient visits
- Renal failure and dialysis
- Prescription Medication
- Surgery (day patient or outpatient surgery)
- Rehabilitation and specialized treatments
- Organ transplants
- Emergency Ground ambulance
- Hospital cash
- Newborn coverage and Maternity Complications
- Intensive care unit
- Emergency Room Care
- Surgeon and anesthesiologist Fees
- Diagnostic study services
- Congenital Disorders
- Nurse care at home
- Durable medical equipment
- External prosthesis
- Palliative care
- Second medical opinion (access to a second medical opinion of renowned experts from around the world)
4. Premium Add-Ons
SafetyWing provides optional coverage for things like dental, maternity, screenings, and vaccinations to ensure that you have the perfect insurance for your company.
Here are your options for add-ons:
- Dental: You can get $1,000 in dental coverage for when you need to see a dentist for checkups, fillings, and other routine care, as well as more complex care like receiving dentures, repairing crowns, etc.
- $0 Deductible: Your deductible determines the amount you must pay out-of-pocket prior to receiving reimbursement for your claims within a year. The default is $250.
- Outpatient: Outpatient care refers to when you need medical services outside of being admitted to a hospital. Examples include seeing a family doctor or receiving physiotherapy. You can get coverage for $1,000 or $5,000.
- Screenings and Vaccines: This premium add-on gives you $500 for health screenings, vaccinations, and optical. The benefit also includes COVID-19 vaccinations.
5. What’s Not Covered
SafetyWing offers travel medical insurance that’s built specifically for digital nomads. However, like most insurance policies, there are some things that aren’t covered under either of SafetyWing’s policies. These include the following:
- Trip Cancellation: This is usually a huge priority for travelers, so it’s a big put-off for many people.
- Stolen Luggage: The company only covers luggage that’s been lost after it’s been checked in with your transport provider.
- Pre-Existing Health Conditions: SafetyWing does have limited coverage for the acute onset of pre-existing conditions.
- Certain Adventure Sports: Although the policy covers a variety of sports and activities, some big adventure sports aren’t covered.
- Travel to Cuba, North Korea, and Iran: These countries are not covered by SafetyWing (Cuba is covered if you are a US citizen with permission from the US government).
SafetyWing Nomad Insurance Pros and Cons
All travel insurance providers have their own pros and cons, and SafetyWing is no different.
Here are some of the more prominent benefits and drawbacks of the company.
- Flexible Policies: SafetyWing allows you to buy insurance even while you’re already abroad.
- Affordable Pricing: Compared to other insurance providers, SafetyWing’s plans are very affordable.
- Include Family Members: You can add up to two children under the age of 10 to your plan, which makes it incredibly cost-effective for a family of four.
- Global Coverage: The insurance plan covers over 175 countries worldwide.
- Home-Country Coverage: You get up to 30 days of coverage in your home country after your trip has ended.
- Coverage Age Limit: There’s no coverage for people over the age of 69.
- Limited Medical Coverage: Medical coverage for Nomad Insurance isn’t as comprehensive as many other providers in the same category.
- Low Maximum Payout: SafetyWing’s $250,000 max payout is significantly lower than the coverage offered by other travel insurance companies, which often goes into the millions.
SafetyWing Nomad Insurance Competitors
A lot of things set SafetyWing apart from other insurance providers. It’s affordable, particularly for long-term travelers, and it covers a wide range of countries. In addition to its many other features, the company is continually working to improve its service.
In the near future, there’ll be remote health and doctor coverage that allows users to see a doctor from anywhere in the world. Regardless of where you are, you’ll be able to receive premium medical care from the comfort and privacy of your home – and all of this at a much lower rate.
However, even with all these great features, this insurance may not be ideal for you. In such a case, you might consider one of its top competitors, instead.
With that in mind, here’s a look at the top three alternatives for SafetyWing.
SafetyWing vs True Traveller Insurance
TrueTraveller is travel insurance designed by travelers for vacationers, backpackers, and adventure travelers.
The company has excellent ratings on review websites like TrustPilot, and the service is available to you even if you are already abroad. You can get single or multi-trip cover, each policy is custom-designed for you so you know exactly what you’re covered for if things go wrong.
SafetyWing vs WorldNomads
Considered by many to be one of the leading insurance providers in the world, WorldNomads is a great travel insurance option with a range of features such as trip cancellation, political evacuations, and a wide range of medical emergency treatments.
WorldNomads also has excellent coverage for adventure sports, including paragliding, parasailing, and scuba diving.
However, with regard to pricing, this insurance provider costs more than twice what you’ll pay for SafetyWing, which makes it unlikely to be the first choice for budget-conscious travelers.
SafetyWing vs IMG Global
IMG Global has 11 different coverage options. You can choose short-term or long-term plans. Choose whether you want to be covered in the US or not, and even specify if you’ll be taking multiple trips.
This range of travel insurance options is something you don’t normally see, which makes this a great solution for a lot of people seeking affordable travel medical, international health, and travel insurance.
SafetyWing has a very clear pricing structure that depends on your age and whether or not you’ll be traveling in the United States.
Nomad Insurance Cost (Excluding Travel In The United States)
- 15 days-9 years old: Included in the price of an adult insurance
- 10-39 years old: $45.05 per 4 weeks
- 40-49 years old: $68.04 per 4 weeks
- 50-59 years old: $106.68 per 4 weeks
- 60-69 years old: $144.76 per 4 weeks
Nomad Insurance Cost (Including Travel In The United States)
- 15 days-9 years old: included in the price of an adult insurance
- 10-39 years old: $76.72 per 4 weeks
- 40-49 years old: $126.56 per 4 weeks
- 50-59 years old: $208.04 per 4 weeks
- 60-69 years old: $284.20 per 4 weeks
From day one, SafetyWing provides 24/7 support you can rely on. Customer support is easy to contact and there’s always someone on standby to get back to you which means you’ll never have to wait on holding your time of need.
For instance, before you head to the doctor, you can reach out to customer service to ask what you would need in each specific instance in order to make a claim. The helpful staff will provide you with all the details you need to ensure that you get everything prior to leaving your appointment. You’ll get clarification from customer service if your treatment doesn’t qualify under the relevant clause.
SafetyWing Nomad Insurance Affiliate Program
One of the most underappreciated parts of SafetyWing Nomad insurance is their Ambassador Program. I’m currently in over 300 affiliate programs myself and I’ve seen many different offers, and I can say with confidence that theirs is one of the better ones out there.
The program itself has quite a few perks that affiliate marketers will like such as:
- Recurring Commissions of 10% on every referred purchase: Needless to say, recurring commission programs are my favorites ones out there so this is a big win as you’ll get a commission with every insurance renewal.
- 365 day Cookie Duration: Most of the cookie durations for affiliate programs fall in the 60-days and under category, and even 60-days can be hard to find. This is where SafetyWing really shines. With a 365-day cookie duration, this means someone can shop today and if they decide to get their insurance within 364 days, you’ll get credit for it.
- Subaffiliate Program: Again, something you don’t see often. SafetyWing offers a subaffilaite program which means that if you invite another ambassador and they make sales, you earn commissions.
- Various bonuses: As an ambassador, you get a $100 bonus when you refer an ambassador and they make their first sale, but the referred ambassador ALSO gets a $100 bonus. In addition, if you refer an ambassador that gets 5 total sales, you both get a $500 bonus as well.
In terms of how to have success with the program, I’d advise affiliates to join the program and post the link in any place you can think of where your own following is. Whether this be social media, your email list, within a course, or even a banner on your website.
While buying insurance can be a long purchase cycle, I really like how the program has the 365-day cookie. That’s the key to this whole program. Realize that if someone clicks through on your referral link, they have some level of interest. So even if they don’t purchase today, they may in a couple of months and you can still get credit.
If you want to amplify your reach and have a blog with decent domain authority, it would also make sense to create content around nomad insurance such as a review (like what you’re currently reading), a versus post when you compare SafetyWing to competitors, and competitor alternatives whereby SafetyWing is rated highly.
Of course, you could also jump into other topics where SafetyWing makes sense as a solution, such as:
- Do digital nomads need insurance?
- Will regular health insurance cover digital nomads?
- What’s the best insurance if I travel while I work?
Any content around that vein of thought would be a great idea as it’ll lead to those interested in digital nomad insurance clicking to learn more about SafetyWing, and with the long-duration cookie, that’ll pay dividends over time.
If this sounds like a good fit for your own blog, using my link to join is a great way to be eligible for the bonuses mentioned above.
Is SafetyWing Nomad Insurance Legit?
SafetyWing is a legitimate travel insurance company and an excellent choice for digital nomads and travelers. Nomad Insurance has an excellent reputation amongst long-term travelers, expats, and digital nomads because of its unique features.
It’s affordable and covers virtually everything regarding your travel and medical insurance needs. If you’re suddenly sick or in an accident while abroad, you’ll have the peace of mind of knowing that your medical bills are paid.
If you lose your checked luggage, experience travel delays, or any personal liability while traveling, you are safe in the knowledge that you’re covered.
The bottom line is that SafetyWing is a game-changer with regard to travel nomad insurance. The affordable monthly payments and extreme flexibility make this a solid choice for all traveling needs.
If you’re ready for truly global travel and health insurance, then book a free call right now to discover if SafetyWing is the right option for you.