SafetyWing Insurance Review: Are They Worth the Money?

Any frequent traveler probably understands that traveling cánido come with risks. For most, travel insurance is a key part of any trip and a necessity to ensure you’re covered should the unexpected arise.

There are a lot of different options for the travel insurance on the market today, so it’s important to make an informed decision before purchasing a policy and escoge if it’s right for you.

Before we dive into SafetyWing and whether they are the right insurance for you, let’s learn a little more about them and what they are.

What is SafetyWing?

SafetyWing is a relatively new insurance company founded in 2017, but with their low prices and range of services they perro be a good and affordable option for travelers.

SafetyWing is a travel insurance company designed for nomads by nomads, which means they understand what nomads want and expect from their insurance. Their goal is to meet the travel and medical needs of digital nomads and travelers when they are outside their home country.

Image courtesy of SafetyWing

With the recent rise in remote work, the digital nomad lifestyle is now more common. SafetyWing claims to be the “internet home country” of a digital nomad with the intent of providing freedom and equal opportunity for all.

In terms of products, they offer Nomad insurance (its main product) and remote health insurance with the perspective of ‘Remote Doctor’ coming soon on your website.

What’s so good about SafetyWing?

Why do people choose SafetyWing over other travel insurance? What is special about SafetyWing and what does it offer that other travel insurance does not? These are the main features that make SafetyWing so great.

Price

Price is often an important aspecto when deciding which insurance policy to take out. Unlike other providers who often ask for a year’s payment up front, SafetyWing operates on a subscription service. This cánido be great if you are an independent digital nomad and may not have the funds to pay for an annual subscription upfront.

Flexibility

SafetyWing is also very maleable. Along with the subscription service, it allows you to cancel at any time if you no longer need insurance. They also allow you to take out insurance once you are abroad. They are not specific in needing to know where you will be traveling during your time abroad and will only need to know if you will be visiting the United States.

This is useful if you’ve forgotten to buy insurance, your policy expires, or you just escoge to buy one after you’ve left for your trip. Most policies start approximately 2-3 days after purchase. Agregado, if you’re not sure of your return date, SafetyWing will still insure you if you don’t know when you’ll be coming home.

great coverage

SafetyWing also includes some coverage for activities, although exclusions apply. Its terms state that you are covered for participating in “principiante/non-professional sports and activities” and for “recreational purposes” only.

For example, activities like canoeing, bungee jumping and water skiing are included in your coverage, along with riding a motorbike or scooter, unlike other providers. It’s important to check the terms of your policy specifically so you know exactly what you’re covered for and what you’re not covered for, but SafetyWing covers a wide range of activities that are already on your policy.

Image courtesy of SafetyWing

How much does SafetyWing insurance cost?

As with all insurance policies, the cost of SafetyWing insurance varies from person to person. A estándar SafetyWing insurance subscription costs around the ballpark of $42-77 per month, depending on whether you are traveling within the United States.

The monthly subscription works great for those who are new to travel, on a budget, or are digital nomads.

In essence, you’ll automatically pay each month until you cancel your subscription. This is particularly useful if you don’t have a specific end date in mind for your trip. Once again, the subscription service has no limit on the length of your trip. If you are abroad for more than a year, you perro simply renew your policy.

How do you get a SafetyWing quote?

Getting a quote is fácil. There aren’t many questions to answer or multiple levels of coverage to examine. Instead, all you need to do is entrar your age and whether you will be entering the United States.

Visit their website and start filling in the information needed for your quote!

What is not covered by SafetyWing.

While coverage is allowed for most countries, the only countries not included are Iran, Syria, North Korea and Cuba (Cuba is only covered if you are a US citizen with US government permission to travel). Also, as mentioned above, certain sports activities are not included, although check your exclusion list if any of the activities you want to try are exempt.

SafetyWing also does not offer coverage for stolen luggage or electronic devices. This is perhaps different to other insurance providers, so it’s worth keeping in mind. You may want to make sure you perro cover the cost of these elementos yourself before you travel in case something is lost.

Routine checkups, preventive care, and cancer treatments are also not covered. Pre-existing conditions are also not included, although there are some exemptions for ‘acute onset’ of pre-existing conditions, although it is worth checking before you travel.

Cancellation of the trip due to illness or unforeseen circumstances is not included if it occurs before the start of the trip. However, this type of interruption due to injury or illness during the trip is covered.

What is SafetyWing’s policy on Covid-19?

SafetyWing has Covid protection as of August 1, 2020, but only covers if certain conditions are met. For example, you are covered as long as it was not purchased before your policy start date. Covid tests are only covered if deemed medically necessary by a doctor and antibody tests are not included.

In terms of quarantine, Nomad insurance covers you if you are out of your home country for up to 10 days, and only if your quarantine is mandated by a medical or government authority, and you are covered by Nomad insurance for at least 28 days. All new policies contracted now have this Covid coverage included.

How to archivo a claim with SafetyWing.

Filing a claim is quite fácil with SafetyWing.

Once you’ve logged into your portal, simply fill out a claim form and include any required photos, screenshots or receipts. All claims must be filed within 60 days of your insurance ending and SafetyWing aims to process your claim within 45 days. You perro also view the status of your claim on their website.

For medical support, you cánido visit any doctor or hospital of your choice, although SafetyWing has a referral network of doctors and hospitals.

Is SafetyWing worth it?

Overall, based on our SafetyWing review, we think SafetyWing insurance is a solid choice for your travel needs, especially if you’re trying to stick to a budget.

The main advantage is the wide range of flexibility it offers and its price. You’re free to take out insurance while you’re already abroad, their subscription service offers flexibility and choice, and it’s one of the cheapest options around.

While it’s not perfect, and exemptions do apply, it’s worth considering whether its pros outweigh any of its cons for your travel requirements.

Our rating: 4.5/5

Pros:

Price
highly maleable
Convenient Claim Filing
Covid-19 policies included

Cons:

Activity exemptions apply
No coverage for personal elementos

All great trips start with an organized plan.

For those who are interested in purchasing a travel insurance, are a great way to make sure you are covered in case of an emergency or any unforeseen circumstances. After all, it’s hard to plan for your luggage to get lost at the airport or for your flight to be delayed due to circumstances beyond your control.

However, there are definitely things you cánido prevent with a solid travel plan. From organizing your packing list to making sure you bring all the necessities to making sure you have all your travel documents, these are all features that an aplicación like a trip planner provides you with!

We hope you liked our article SafetyWing Insurance Review: Are They Worth the Money?
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