We previously wrote about the importance of travel insurance while traveling abroad and if you checked out that article, you know just how important choosing the right travel insurance provider can be. In this article, we’ll try to help you make that choice by providing a SafetyWing review that takes a detailed look at the features of SafetyWing and see how it ranks compared to other travel insurance providers on the market.
Let’s start from the beginning…
What Is SafetyWing?
SafetyWing is a travel insurance company that caters mostly to digital nomads and other remote workers. It is a great option for those who travel frequently or work remotely from different countries as it offers excellent coverage for medical expenses and emergency medical evacuation. SafetyWing was created in 2018 by entrepreneurs, Sondre Rasch, Sarah Sandnes, and Sondre Rasch with the mission to make healthcare accessible to everyone, regardless of where they are in the world. Since its inception, SafetyWing has gained a lot of popularity among digital nomads, remote workers, and travelers.
Let’s start this SafetyWing review with some information about the coverage of their plans. SafetyWing offers comprehensive medical coverage for individuals who travel frequently or work remotely from different countries. The insurance covers all medical expenses related to illness or injury that occur while traveling, including doctor visits, hospital stays, and prescription medications. It also covers emergency medical evacuation to the nearest medical facility in case of a serious medical emergency. SafetyWing provides coverage for up to $250,000 per injury or illness, which is more than enough for most medical emergencies.
In addition to medical coverage, SafetyWing also offers coverage for travel-related incidents such as trip interruption or cancellation, lost checked luggage, and delayed flights. SafetyWing’s travel insurance coverage is provided by Tokio Marine, one of the largest insurance companies in the world.
Here is a detailed overview of the coverage provided by SafetyWing.
- Hospitalization and medical treatment expenses;
- Outpatient medical expenses such as visits to a doctor or specialist, diagnostic tests, and prescription drugs;
- Emergency medical evacuation to the nearest medical facility;
- Repatriation in case of death;
- Mental health coverage;
- Trip cancellation or interruption due to unforeseen circumstances;
- Baggage loss or delay.
- Flight delay or cancellation;
- Personal liability coverage;
- Political evacuation coverage (not available for all countries).
Remote Health Coverage
- Non-travel related medical expenses in your home country;
- Coverage for chronic conditions and preventive care;
- Coverage for pre-existing conditions after 12 months of continuous coverage.
It is important to note that some exclusions and limitations may apply to the coverage provided by SafetyWing. For example, coverage may not be available for high-risk activities such as extreme sports and pre-existing conditions may be excluded from coverage. It is important to read the policy documents carefully and contact SafetyWing’s customer support team if you have any questions about the coverage provided.
What About Pricing?
Of course, this SafetyWing review wouldn’t be complete without discussing their prices. The basic coverage plan starts at $45 per month and can be purchased on a month-to-month basis. There is no limit on the number of months you can purchase the insurance, and you can cancel anytime without any penalty.
For an additional $30 per month, you can add coverage for one travel companion, which is a great option for couples or families who travel together.
SafetyWing also offers a “remote health” option, which provides coverage for non-travel-related medical expenses in your home country. The remote health option costs an additional $15 per month.
It is important to note that the pricing may vary depending on your age, destination, and other factors. SafetyWing’s pricing calculator on their website provides a personalized quote based on your specific needs and circumstances.
Ease of Use
One of the best things about SafetyWing is how easy it is to use. The sign-up process is straightforward and can be completed in just a few minutes. All you need to do is provide some basic personal information and select the start date for your coverage. You can purchase the insurance online using a credit card, and your policy will be emailed to you immediately.
SafetyWing also has a user-friendly mobile app that makes it easy to manage your insurance coverage on the go. You can use the app to access your policy documents, file a claim, or find a healthcare provider in your area. The app also provides helpful travel-related information such as visa requirements and embassy locations.
If you need to make a claim, the process is also straightforward. You can submit a claim online through the SafetyWing website or mobile app, and the company’s customer support team is available 24/7 to assist you with the claims process.
Customer support is available through email or live chat, and they usually respond within a few hours. SafetyWing also has a comprehensive FAQ section on its website that provides answers to common questions about insurance coverage and claims.
SafetyWing has excellent customer support, and their team is available 24/7 to assist customers with any questions or issues they may have.
In addition to its customer support team, SafetyWing also has a community forum where customers can connect with each other, ask questions, and share tips and advice about travel and remote work.
Overall, SafetyWing’s customer support is top-notch, and their team is dedicated to providing excellent service to their customers.
How Does The Claims Process Work?
SafetyWing’s claims process is designed to be simple and straightforward, and the company’s customer support team is available to assist customers every step of the way.
If you need to make a claim, you can do so online through the SafetyWing website or mobile app. All you need to do is provide some basic information about the medical expense, upload any relevant documents such as receipts or medical records, and submit the claim.
SafetyWing’s claims team will review the claim and process it within 10 business days, but the timeframe may vary depending on the complexity of the claim.
If your claim is approved, SafetyWing will provide payment for the covered expenses. The payment will be made directly to the healthcare provider or service provider, or to you if you paid for the expenses out of pocket.
It is important to note that some exclusions and limitations may apply to the coverage provided by SafetyWing. For example, coverage may not be available for high-risk activities such as extreme sports, and pre-existing conditions may be excluded from coverage. It is important to read the policy documents carefully and contact SafetyWing’s customer support team if you have any questions about the claims process or coverage provided.
SafetyWing vs Its Main Competitors
This SafetyWing Review couldn’t be complete without comparing it to some of its main competitors. In this section, we’ll briefly compare SafetyWing with WorldNomads, IMG Global, and Cigna Global.
Like SafetyWing, World Nomads offers flexible travel insurance policies that can be customized to fit your specific needs. However, World Nomads tends to be more expensive than SafetyWing, with coverage starting at around $70 per month. World Nomads also offers a wider range of coverage options, including coverage for adventure activities and high-risk sports.
IMG Global is another popular insurance provider for travelers and expatriates. IMG Global offers a wide range of coverage options, including travel medical insurance, trip cancellation insurance, and expatriate insurance. However, IMG Global tends to be more expensive than SafetyWing, with coverage starting at around $100 per month.
Cigna Global is a well-known international health insurance provider. Like SafetyWing, Cigna Global offers comprehensive medical insurance coverage for travelers and expatriates. However, Cigna Global tends to be more expensive than SafetyWing, with coverage starting at around $150 per month.
Remote Health by SafetyWing
Remote Health by SafetyWing is a separate insurance product that provides coverage for non-travel-related medical expenses in your home country. Remote Health is a unique product that is designed specifically for remote workers who do not have access to traditional employer-sponsored health insurance. This product is not offered by most of SafetyWing’s competitors and that’s why it deserves a special mention in this part of our SafetyWing Review.
SafetyWing has a generally positive reputation in the travel insurance industry. SafetyWing is a relatively new player in the travel insurance industry, having been founded in 2017. Despite its young age, the company has quickly gained a strong reputation for transparency, simplicity, and proactive customer support.
SafetyWing is also known for its commitment to social responsibility. The company donates 10% of its profits to fund global health initiatives through its partner organization, Watsi. This commitment to social responsibility has helped SafetyWing stand out from its competitors in the travel insurance industry.
In addition to its core travel insurance coverage, SafetyWing offers several additional benefits that can be helpful for travelers. Some of these benefits include:
- 24/7 Customer Support: SafetyWing provides 24/7 customer support to help travelers with any questions or issues that arise during their travels. Customers can contact the support team through phone, email, or live chat.
- Travel Assistance Services: SafetyWing offers travel assistance services, including emergency travel arrangements and assistance with lost or stolen passports and credit cards.
- Online Medical Consultations: SafetyWing’s travel insurance policies include online medical consultations with licensed doctors, which can be particularly useful for travelers in remote or unfamiliar locations.
- Trip Delay Coverage: SafetyWing offers coverage for trip delays, including reimbursement for additional expenses incurred due to a delay, such as lodging and meals.
- Personal Liability Coverage: SafetyWing provides coverage for personal liability, including accidental injury or property damage caused by the insured.
- Concierge Services: SafetyWing offers concierge services to help travelers with a variety of tasks, including booking transportation and accommodations, arranging tours and activities, and making restaurant reservations.
Who Is It For, Who Is It Not For?
We’re nearing the end of this SafetyWing review and it’s about time to summarize who are their packages perfect for and who are they not for.
Overall, SafetyWing is a good choice for:
- Digital Nomads: SafetyWing offers comprehensive health insurance coverage to digital nomads who travel extensively and work remotely.
- Remote Workers: Remote workers who work for companies based outside their home country can benefit from SafetyWing’s policies, which provide coverage for medical expenses and emergency medical evacuation.
- Expats: SafetyWing’s policies can be a good option for expats living abroad who are looking for a simple, affordable health insurance plan.
- Freelancers: Freelancers who don’t have access to employer-sponsored health insurance can benefit from SafetyWing’s coverage.
On the other hand, SafetyWing may not be the best choice for:
- Individuals who require coverage for pre-existing medical conditions– SafetyWing does not cover pre-existing medical conditions.
- Individuals seeking coverage for specific procedures– SafetyWing’s policies do not cover elective procedures, such as cosmetic surgery, and may not cover certain medical procedures or treatments that are not considered medically necessary.
- Individuals looking for coverage in their home country– SafetyWing’s policies are designed to provide coverage for individuals traveling outside their home country and may not provide coverage for medical expenses incurred within their home country.
Pros And Cons
And last but certainly not least, we round up this SafetyWing review with a list of pros and cons of using their services.
- Affordable– SafetyWing offers some of the most affordable health insurance policies for digital nomads and remote workers. Their monthly premiums are often much lower than traditional health insurance plans.
- Worldwide Coverage– SafetyWing provides coverage worldwide, so you can travel and work from anywhere without worrying about finding a new health insurance plan in every country you visit.
- Easy to Sign Up– Signing up for SafetyWing’s policies is quick and easy. You can purchase coverage online in just a few minutes, and the policy is activated immediately.
- Flexible Plans– SafetyWing offers flexible coverage options, so you can choose the length of coverage that you need. You can also choose to add or remove coverage options based on your needs.
- Emergency Medical Evacuation– SafetyWing provides emergency medical evacuation coverage, which can be essential if you are traveling to remote locations where medical facilities are limited.
- Limited Coverage– SafetyWing’s policies are designed to provide basic coverage, so they may not offer the same level of coverage as other more comprehensive health insurance plans.
- No Coverage for Pre-Existing Conditions– SafetyWing does not cover pre-existing medical conditions, which can be a disadvantage for individuals with chronic health issues.
- No Dental or Vision Coverage– SafetyWing’s policies do not cover dental care or vision care, which can be important for some individuals.
- Very limited Coverage in Home Country– SafetyWing’s policies are designed to provide coverage for individuals traveling outside their home country and may not provide coverage for medical expenses incurred within their home country.
Well, that sums it up. How did you like our SafetyWing review? Did you ever use their services? How do you compare it to other travel insurance providers? Feel free to share your questions and experiences in the comments below!
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