SafetyWing Nomad Insurance For Digital Nomads
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Nadia Dardón
Freelance writer
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SafetyWing Nomad Insurance For Digital Nomads
Living as a digital nomad is an exciting adventure. You can work from anywhere and experience everything the world has to offer. However, certain challenges come with this lifestyle, particularly in the area of healthcare. You need a reliable and flexible insurance plan that can travel with you, guaranteeing complete coverage. This is where SafetyWing Nomad Insurance—a travel medical insurance created especially by and for digital nomads—comes into play.
What is SafetyWing?
SafetyWing is a company dedicated to eradicating geographical borders and giving everyone access to freedom and fair opportunity. They provide a wide range of insurance plans designed to meet the needs of travelers, remote workers, and nomads. With SafetyWing, you’ll feel secure knowing that you have access to healthcare no matter where you are. Their coverage includes COVID-19, hospital bills, and unexpected medical emergencies. It is an adaptable, safety net of healthcare worldwide for anyone that lives on the road.
SafetyWing Nomad Insurance Overview
SafetyWing’s nomad insurance is intended exclusively for people who live and work on the road. Unlike other standard travel insurances, this one offers complete coverage that’s tailored to the specific needs of digital nomads and remote workers.
Here are some of the key benefits that might make it an excellent choice for you:
1. Flexible and Easy to Use
Much like a subscription service, SafetyWing has automatic monthly payments. You can purchase it while you are already abroad, and it automatically renews every 28 days. This flexibility is very convenient because you’ll stay insured no matter how long you’re traveling for. The plan also covers visits to your home country, allowing you to get medical care for up to 30 days every 90 days (15 days if your home country is the United States).
2. Affordable and Competitive
At $45.08 every four weeks (for ages 18-39), SafetyWing’s Nomad Insurance is one-third the cost of main competitors for comparable coverage. Even if you fly to the United States, the additional cost is merely $38.36 for four weeks. This makes it one of the most cost-effective travel medical insurance choices for nomads on the market.
3. Comprehensive Coverage
SafetyWing’s Nomad Insurance covers a variety of medical and travel-related incidents:
Medical Coverage: This gives you access to a global network of certified hospitals and doctors in the event of an unforeseen medical emergency or accident. It will cover doctor visits, hospital stays, and emergency medical evacuation.
Travel Coverage: This protects you against travel delays, lost checked luggage, emergency response, natural disasters, and personal liability.
Add-Ons: SafetyWing also offers plenty of add-ons for adventure sports, electronics theft, and US coverage.
We will go into detail about everything this insurance covers, so just keep scrolling to find out!
4. COVID-19 and Quarantine Coverage
Life is unpredictable, and after the pandemic that we just lived through, having the right coverage is one of the most important things when living abroad. Which is why it is comforting to know that SafetyWing covers COVID-19. If
If you get COVID-19 while traveling, you are covered exactly like any other illness, as long as it was not contracted before the start date of your insurance. SafetyWing also covers up to $50 per day for up to 10 days of quarantine outside your home country once every 364 days.
5. Reliable and Trusted
SafetyWing is a Y-Combinator company, and the coverage is administered by Tokio Marine, one of the world's largest insurance companies. The policy is underwritten by Lloyds underwriters. With over 55,000 members, a Net Promoter Score (NPS) of 60, and strong ratings on TrustPilot (4.4/5) and Facebook, SafetyWing is a popular choice for global nomads.
6. Designed for Nomads, by Nomads
SafetyWing is the first insurance product specifically built for nomads. They understand the specific requirements of a nomadic lifestyle because they are themselves nomads. Their long-term goal is to create the first internet-based country that provides worldwide health insurance, pensions, and disability benefits as an alternative to national welfare systems.
What Does SafetyWing Cover?
Here’s a closer look at what’s included with SafetyWing Nomad Insurance:
If you get sick or injured while abroad:
Hospital stays
Nursing care
Ambulance for hospitalization
Diagnostics like MRIs
Extended care after hospital
Prescriptions
Emergency dental (up to $1000)
US$250,000 max limit
And more!
Evacuation to a better-equipped hospital when you need it.
US$100,000 lifetime max.
Lost checked luggage.
US$500 per item.
US$3,000 max per policy.
Injuries from leisure sports & activities.
Some of the sports covered include: badminton, baseball, biking, fishing, jet skiing, soccer, volleyball and more!
US$250,000 max limit.
Motor accidents.
If properly licensed, wearing all safety equipment, and not intoxicated.
US$250,000 max limit.
Flights home if something bad happens.
Up to US$5,000.
Meals & accommodations if you have a travel delay over 12 hours.
US$100 per day for 2 days.
Continued coverage for visits back home.
30 days (15 for US residents) for every 90 days of travel abroad.
US$250,000 max limit.
Transporting your body home or a local burial if you die.
US$20,000 for transport.
US$10,000 for local burial.
You can read the full policy to see what they cover in detail (and what they don’t cover!)
What Isn’t Covered?
While SafetyWing Nomad Insurance offers extensive coverage, there are some exclusions:
High-risk sports activities like base jumping, motorized dirt biking, and mountaineering above 4,500 meters.
Professional or rewarded athletic activities.
Pre-existing conditions and some specific conditions such as cancer treatments.
Incidents involving intoxication, racing, or participating in high-risk sports.
How Much Does SafetyWing Cost?
When choosing your insurance coverage, cost is a crucial factor. SafetyWing is meant to be both affordable and comprehensive providing good value to digital nomads. Here is a summary of SafetyWing’s Nomad Insurance pricing:
Pricing Breakdown
For ages under 10:
US$0.00
Children must be accompanied by an adult on a group policy.
You can add a child under 10 per adult (max. 2) for no extra cost. Regular pricing (ages 10-39) will apply to any additional children.
For ages 10-39:
US$56.28
Paid every 4 weeks, cancel anytime.
For ages 40-49:
US$92.40
Paid every 4 weeks, cancel anytime.
For ages 50-59:
US$145.04
Paid every 4 weeks, cancel anytime.
For ages 60-69
US$196.84
Paid every 4 weeks, cancel anytime.
Value for Money
SafetyWing’s pricing is competitive when compared to other travel medical insurance companies. At roughly one-third the cost of the major competitors for comparable coverage, it provides an excellent balance of affordability and comprehensive protection. This cost-effectiveness is especially beneficial for young workers and regular travelers who want dependable coverage without breaking the budget.
By selecting SafetyWing’s Nomad Insurance, you are investing not just in peace of mind, but also in a service that understands and caters to the unique needs of digital nomads. Whether you're traveling to new places or working remotely from all over the world, SafetyWing protects you against unexpected medical difficulties and travel disruptions.
Where will your next adventure lead you?
Complete a short quiz to know all your options!
How to Maximize Your SafetyWing Insurance
To get the most out of your SafetyWing Nomad Insurance, you should understand how to properly utilize its features and ensure that you are always protected, no matter where your travels take you. Here are some recommendations for maximizing the benefits of your SafetyWing insurance policy:
1. Understand Your Coverage
Learn more about the coverage provided by SafetyWing Nomad Insurance. This includes:
Medical Coverage: Understand the details of hospital stays, emergency medical evacuation, and coverage limits.
Travel Coverage: Get to know what is covered in terms of travel delays, missing luggage, and trip disruptions.
COVID-19 Coverage: Understand how your coverage covers COVID-19-related charges, such as testing and quarantine.
2. Keep Track of Your Travel Dates
SafetyWing provides coverage for up to 30 days in your native country every 90 days (15 days if your home country is the United States). Plan your travels home carefully to maximize this value. This is especially beneficial for handling unanticipated medical requirements or meeting up with relatives while remaining protected.
3. Use the 24/7 Support
SafetyWing offers 24/7 support from actual people who understand the digital nomad lifestyle. Do not hesitate to contact them if you have any concerns regarding your coverage, require assistance with claims, or face any problems while traveling. Their support team can provide guidance and quickly fix any issues.
And the best part is that they’re always quick to answer. SafetyWing’s support team usually replies in under one minute. Plus, you’re not required to enter any personal information.
4. Document Everything
In the case of a claim, proper documentation is crucial. Keep records of:
Medical Treatment: Receipts, invoices, and detailed records from healthcare providers.
Travel Issues: Proof of travel delays, lost luggage reports, and any other relevant documentation.
Emergency Situations: Documentation of emergency medical evacuations or political evacuations if applicable.
5. Stay Informed About Policy Updates
SafetyWing is committed to constantly developing its insurance products based on consumer feedback. Stay up to date on any changes or adjustments to your policy by visiting SafetyWing's website or subscribing to their updates. This will help you stay up to date on any new benefits or changes in coverage.
6. Use the Policy’s Benefits Wisely
Use your insurance benefits to cover things like travel delays, lost luggage, and emergency medical expenses. These benefits are intended to reduce the stress of unexpected events. Knowing how to use these benefits can make your travels easier and more pleasurable.
By following these tips, you can ensure that you’re making the most of your SafetyWing Nomad Insurance and travel with the confidence that you are well-protected.
Final Thoughts
SafetyWing Nomad Insurance is a comprehensive, flexible, and reasonably priced solution for digital nomads, travelers, and remote workers. It provides peace of mind for those who live a location-independent lifestyle by offering specialized coverage, low prices, and reliable service. Whether you’re an experienced digital nomad or new to this exciting lifestyle, SafetyWing protects you from medical emergencies, travel setbacks, and unexpected incidents.
As you start your next adventure, consider using SafetyWing as your travel companion. With its global coverage, flexibility, and dedication to the digital nomad community, it is more than a simple insurance company; they’re a partner in your journey.
For more information or to sign up, visit SafetyWing's website and start your adventure with confidence.
Author
Nadia Dardón is a freelance writer from Guatemala. In early 2022 she embarked as a digital nomad, traveling through Europe, focusing mostly on the literary history of each country. She has worked fully remotely for the past four years as a reader, writer, and content creator with experience creating pieces for different industries. She also has a personal blog where she writes about her cultural and literary travels.
