SafetyWing Travel Insurance Review

Company Overview

SafetyWing is a globally-focused insurance provider designed specifically for digital nomads, remote workers, and frequent travelers. Founded on the principle of breaking down geographical barriers, SafetyWing's team operates fully remotely across six continents and specializes in providing flexible health and travel coverage for people who work and live abroad.

Key Highlights

Coverage Areas: 180+ countries globally (175+ for corporate plans)

Pricing Model: Flexible weekly, monthly, and annual plans available

Flexibility: Buy anytime, cancel anytime – no long-term contracts required

Customer Support: 24/7 assistance via live chat with response time under 1 minute

Claim Speed: Straightforward claims process with decisions within days

Insurance Plans

Plan Comparison

Feature	Essential Plan	Complete Plan
Pricing	$56.28 per 4 weeks (ages 18-39)	$161.50 per month (ages 18-39)
Medical Coverage	Medical emergencies & hospitalization	Comprehensive health + travel coverage
Coverage Limit	$250,000 overall	Full health + travel benefits
Home Country Coverage	Limited (up to 30 days per 90 days)	Limited (visits only)
Cancellation	Full refund before start date	Full refund before start date

Essential Plan ($56.28/4 weeks)

Best For: Budget-conscious travelers looking for essential medical and travel protection

What's Covered:

Medical Benefits

• Unexpected illness or injury treatment (inpatient/outpatient)

• Emergency hospital stays and surgeries

• Ambulance and emergency transportation

• Prescription medications (up to 60 days per prescription)

• Medical evacuation up to $100,000 (lifetime max)

• Repatriation to home country after treatment (up to $5,000)

• Post-hospital care and extended care facility

  
  

Travel Benefits

• Lost checked luggage: up to $3,000 per period ($500 per item)

• Trip cancellation: $300 per trip ($600/year)

• Unplanned overnight accommodation: $100/day (up to 2 days)

• Stolen passport/visa replacement: $100

• Robbery under abduction: up to $10,000 (lifetime max)

• Trip interruption (family emergency): up to $5,000

• Evacuation from civil unrest: up to $10,000 (lifetime max)

  
  

Additional Coverage

• COVID-19 quarantine allowance: $50/day (up to 10 days)

• Family member visit during serious illness (travel + accommodation): up to $6,000

• Cash payout for accidental death: up to $25,000

• Burial/body repatriation: up to $20,000 (transport) or $10,000 (local burial)

Important Exclusions:

• Pre-existing conditions

• Cancer treatment

• Maternity care

• Mental health disorders

• Routine preventive care

• Sports-related injuries (unless optional adventure sports add-on purchased)

Complete Plan ($161.50/month)

Best For: Extended travelers and remote workers seeking comprehensive protection with unlimited coverage

Everything in Essential Plan, Plus:

Enhanced Medical Coverage

• Wellness therapies and mental health support

• Cancer treatment (covered)

• Routine and emergency medical care worldwide

• Dental care (add-on available): up to $1,000/year

• No coverage restrictions at home

  
  

Enhanced Travel Protection

• Burglary coverage: up to $3,000 per incident

• Electronics theft: up to $5,000 per period

• Travel delay compensation

• Canceled accommodation protection

• Extended luggage coverage

  
  

Lifetime Features

• Ongoing coverage, renewable indefinitely

• No age restrictions initially

  
  

Additional Add-Ons Available:

• Adventure Sports Coverage: Up to $100,000 (includes mountaineering, cave diving, skiing, rock climbing, etc.)

• Dental Coverage: Up to $1,000/year

• Electronics Theft Protection: Up to $5,000 per period

• USA Coverage Add-on: Full coverage in United States (with $100 ER/$50 urgent care co-pays)

  
  

Corporate Plan: Remote Health

For teams and companies, SafetyWing offers Remote Health, a global health insurance solution:

Feature	Details
Coverage	175+ countries with no provider restrictions
Minimum Enrollment	5 team members required
Flexibility	Covers employees, contractors, and freelancers
Medical History	No medical underwriting required
Choice	Members visit any public or private provider
Home Country	Full coverage in members' home country
Admin	Single dashboard for managing all team members

Coverage Limitations & Important Restrictions

Geographic Restrictions:

• Not available in primary residence (except limited home visits)

• US coverage requires optional add-on

• High-risk countries excluded for robbery coverage (Afghanistan, Syria, Yemen, Pakistan, Somalia, etc.)

  
  

Age Requirements:

• Essential/Complete: Ages 14 days to 69 years old

• Cannot purchase after turning 70

• Corporate plan: No age restrictions

  
  

Excluded Treatments:

• Pre-existing conditions (except emergency treatment after 90+ days of coverage)

• Chronic diseases like cancer (except in Complete plan)

• Pregnancy (complications only)

• Mental health disorders

• Cosmetic surgery

• Treatment for substance abuse

• Any treatment not medically necessary

  
  

Claims Process

Time Limit: 60 days after policy end date to file claims

How to Claim:

1. Pay yourself and submit reimbursement claim on SafetyWing website OR

2. Email: claims@safetywing.com

3. Contact 24/7 assistance for pre-arranged coverage types

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Required Documentation:

• Proof of incident (receipts, medical records, police reports)

• Original booking confirmations

• Proof of payment and expense receipts

  
  

Claim Processing:

• Initial response time: Up to 10 days

• Straightforward reimbursement for covered expenses

• Appeals allowed within 180 days of denial

  
  

Payment & Cancellation

Payment Options:

• Weekly, monthly, or annual billing cycles

• Cancel anytime – no penalties for customers

• Auto-renewal available (extends 28 days at a time up to 364 days)

  
  

Refund Policy:

• Before coverage start: Full refund

• After coverage start (no claim filed): 65% refund (minus $25 fee)

• After claim filed: No refund available

  
  

Why Choose SafetyWing?

✓ No Geographic Restrictions: Covers 180+ countries, perfect for global nomads

✓ Flexibility: Buy for weeks, months, or years; cancel anytime

✓ Built for Remote Workers: Created by fully remote team that understands nomadic lifestyle

✓ Quick Support: Live chat responses in under 1 minute

✓ Easy Claims: Fast reimbursement for straightforward claims

✓ No Medical Underwriting: Remote Health plan requires no prior health screening

✓ Transparent Pricing: No hidden fees, clear coverage limits

Bottom Line

Essential Plan: Ideal for budget-conscious travelers (budget: <$60/month) who want emergency medical + basic travel protection

Complete Plan: Better for frequent travelers and remote workers (budget: ~$160/month+) seeking comprehensive coverage including mental health and cancer treatment

Remote Health: Best for companies with globally distributed teams needing a single, unified health insurance solution

Visit safetywing.com to get quotes, compare plans, and purchase coverage in minutes.