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Remote workers, digital nomads or individuals who work remotely while traveling the world, require a special kind of insurance something unique, to protect themselves against unforeseen events. Unlike traditional travel insurance, which is designed primarily for short-term trips, digital nomad insurance provides long-term coverage for medical emergencies, travel disruptions, and other risks associated with a nomadic lifestyle. This digital nomad insurance ensures that nomads can focus on their nomadic lifestyle without worrying about potential medical or travel emergencies.
Enter SafetyWing , a fully remote Norwegian company that specializes in providing health and travel insurance for digital nomads, remote workers, and frequent travelers. SafetyWing aims to simplify the insurance process for those with a location-independent lifestyle, ensuring they have access to necessary healthcare and travel-related support wherever they are.
In this article, we will be discussing one of the most popular and trusted digital nomad insurance, SafetyWing, I picked this Palo Alto-based company because of their deep experience and expertise in providing timely solutions. Forget Heymondo or World Nomads, we’re not going to discuss them here. Its all about a truly digital nomad insurance, SafetyWing.
What is SafetyWing?
SafetyWing was founded in 2018 by a group of digital nomads: Sondre Rasch, Hans Kjellby, and Sarah Sandnes. The three are working to address the complexities of travel insurance for digital nomads and remote workers. Their mission is to build a global social safety net for remote workers and digital nomads, providing flexible and affordable insurance solutions tailored to the needs of this growing digital nomad community.
SafetyWing is a powerhouse, I called it the Microsoft of the travel insurance. It was built by the digital nomad, designed for the digital nomad, a truly digital nomad company.
Of course, for some important things like travel insurance, its is important that we didn’t just rely on some personal review or impression, like this article. My advise is to visit premier online review sites, such as TrustPilot and ProductHunt, check them and explore. I visited those sites and I was stunned by the great feedbacks from the fast-growing digital nomad community.
The digital nomad community loves it, in fact, on TrustPilot site, SafetyWing scored 4 out of 5 from 1203 reviews (at the time of writing, visit TrustPilot’s official website for the latest updates). On ProductHunt, SafetyWing received similar feedback, scoring 3.8 out of 5 from a batch of 244 reviews (at the time of writing, visit ProductHunt’s official website for the latets updates).
Lots of digital nomads and travelers appreaciate the tons of features, affordability, ease of use and the site’s impressive tool. The flexible subscription model is a huge addition, the community love its. Is clearly shows how it simple to start, pause and extend coverage from anywhere in the world.
SafetyWing’s Main Products
SafetyWing currently offers three distinct insurance products: Nomad Insurance, Nomad Health and Remote Health. SafetyWing’s Nomad Insurance is a comprehensive travel medical insurance designed specifically for digital nomads, remote workers, and long-term travelers. It provides travel medical insurance with a range of benefits, ensuring coverage while living and working abroad.
Nomad Health is a fully-equipped health insurance for digital nomads and their families. Then, there’s Remote Health, which is designed for remote teams and companies requiring comprehensive health insurance solutions.
All three insurance products are designed to support the unique needs of remote work and travel, providing freedom and security for individuals and businesses alike. But we’re not going to discuss Nomad Health and Remote Health, instead we’re focusing specifically on SafetyWing’s Nomad Insurance.
Key Benefits of Using SafetyWing’s Nomad Insurance:
Nomad Insurance is one of the most popular digital nomad insurance in the market. It offers worldwide coverage and provides a range of benefits tailored to the needs of people who live and work remotely while traveling.
Nomad Insurance was created with digital nomads in mind. The goal is to address some of the challenges faced by today’s digital nomads and remote workers, particularly in terms of healthcare, medical emergencies and travel-related risks, making it a valuable resource for those pursuing this digital nomad lifestyle.
Using SafetyWing’s Nomad Insurance offers several benefits. Here are the key benefits:
Global Coverage: Nomad Insurance got you covered whenever you travel(excluding your ome country). Coverage is available in almost every country (up to 180 countries according to SafetyWing’s official site), making it suitable for frequent travelers and digital nomads worldwide.
Comprehensive Medical Coverage: Covers medical expenses related to accidents and illnesses, including hospitalization, emergency medical evacuation, outpatient care, perscription medication, and repatriation.
Travel-Related Benefits: Includes benefits such as trip interruption, lost checked luggage, travel delays, and natural disaster coverage.
Flexible Service: Nomad Insurance operates on a subscription basis, offering the flexibility to cancel or renew monthly. Policies are billed monthly, making it affordable and easy to manage monthy travel insurance.Policies can be purchased for as little as 4 weeks and extended monthly or cancel anytime, offering flexibility for varying travel durations.
Affordable Rates: Pricing is competitive and much cheaper compared to competing products. Nomad Insuracnce is designed to be affordable for long-term travelers.
Renewable Plans: Plans are automatically renewed every 28 days until canceled, ensuring continuous coverage without the need for manual renewal.
Excellent Customer Support: Access to dedicated customer support via chat and email.SafetyWing’s official website and online community offer resources and advice for digital nomads, including health tips, travel guides, and networking opportunities.
Peace of Mind: Protects against unexpected medical and travel-related expenses, ensuring financial protection. This allows digital nomads to focus on their work and nomadic lifestyle without worrying about potential medical or travel emergencies.
Accessibility and Ease of Use: SafetyWing has streamlined the process of obtaining and managing insurance through its user-friendly online platform. This allows digital nomads and travelers to sign up quickly, manage their policies, and file claims effortlessly.
Additional Benefits: Nomad Insurance also includes benefits such as coverage for personal liability, travel delays, and even coverage for certain adventure sports.
Important note: For more specific and up-to-date information about coverage and benefits, it’s best to check SafetyWing’s official website or contact their support team directly.
Who Should Use SafetyWing’s Nomad Insurance?
Digital Nomads: Individuals who work remotely and travel frequently.
Online Freelancers and Remote Workers: Individuals seeking flexible health coverage.
Expatriates: Individuals who live outside their home country for an extended period of time.
Global Citizens: Individuals who love to spend significant time abroad, but looking for reliable travel insurance.
Learn more: SafetyWing Nomad Insurance
Nomad Insurance’s Coverage: What is covered and not covered
Like all insurance providers out there, SafetyWing’s Nomad Insurance comes with specific exclusions and limitations. You’re buying a digital nomad insurance not a primary at-home medical insurance, so you have understand that there are things not covered by the digital nomad insurance.
These are the things that covered by Nomad Insurance plan:
- Emergency medical treatment and hospital stays
- Emergency transportation
- Medical evacuation or emergency transportation to a better equipped hospital.
- Emergency dental treatment
- Prescription drugs
- Travel interruption or unexpected event in your home country for which you to need to go home
- Political Evacuation
- Trip interruption due to death of a family member
- Accidental death and dismemberment
- Burial or repatriation of remains
- Cash payout to beneficiary
- Accommodation in a different place if a natural disaster causes evacuation
- Stolen passport or travel visa
- Lost checked luggage
- Unplanned overnight stay
- $0 deductible option
Below is what’s not covered when purchasing SafetyWing’s Nomad Insurance plan:
- Lack of coverage to certain countries, such as Cuba, Iran and North Korea
- Injuries from war zones, terrorism, high-risk adventure sports (unless you purchased the adventure sport add-on), and certain hazardous activities
- Pre-existing medical conditions are not covered unless they are acute onset
- Elective or non-emergency procedures, such as cosmetic surgery and non-emergency dental works
- Preventive care, routine and annual physicals checkups
- Any medical treatment that is not medically necessary
- Cancer treatment
- Treatment for sexually transmitted diseases (STDs) and related condition
- Medical expenses related to drug addiction or alcohol abuse
- Mental health services, often excluding therapy and counseling sessions
- Self-inflicted injuries or attempted suicide
- Limited maternity coverage, with exclusions for childbirth, prenatal care, and complications from pregnancy unless the 10-month waiting period is met
- Limited coverage of stolen or lost personal items (unless you purchased the electronics theft add-on).
Improtant note: if you’re already purchased the electronic theft add-on, I strongly advise to keep a close eye on your tech gadgets. SafetyWing will only be covering up to $1000 per stolen item with a yearly limit of $3000 per policy, check SafetyWing’s official website and review the full policy details to learn more about their add-on coverage.
Understanding these exclusions is crucial for digital nomads and travelers to ensure they have adequate coverage and to plan for any additional insurance needs. Reviewing the full policy details and considering supplemental coverage for specific needs can help in making informed decisions about healthcare while traveling.
Learn more: SafetyWing Nomad Insurance
Nomad Insurance: Pricing
Like most insurance providers, SafetyWing offers different plans and pricing options for its digital nomad insurance. Here’s a general overview of their Nomad Insurance’s pricing structure:
Pricing Excluding the US :
For travelers aged 10-39: the price is approximately $56.28 per 4 weeks
For travelers aged 40-49: the price is approximately $92.40 per 4 weeks
For travelers aged 50-59: the price is approximately $145.04 per 4 weeks
For travelers aged 60-69: the price is approximately $196.84 per 4 weeks
Pricing Including the US:
For travelers aged 10-39: the price is approximately $104.44 per 4 weeks
For travelers aged 40-49:the price is approximately $171.92 per 4 weeks
For travelers aged 50-59: the price is approximately $282.80 per 4 weeks
For travelers aged 60-69: the price is approximately $386.12 per 4 weeks
For beginner, no worry! SafetyWing provides tool (called it a widget) to help you get the estimate cost of your insurance policy. Below, I provided a screenshot of that tool. Its a simple and super-easy-to-use tool, perfect for beginner.
Important note: For more specific and up-to-date information on pricing, including possible discounts or changes in rates, it’s best to check SafetyWing’s official website or contact their support team directly.
Final thoughts about SafetyWing’s Nomad Insurance
It’s crystal clear! SafetyWing brings the best of both world for the digital nomad community. For me, its the best travel insurance for digital nomad, no doubt about that.
By combining ease of use, affordability, comprehensive coverage and flexibility, SafetyWing has effectively addressed the gaps left by traditional insurance services, ensuring that individuals pursuing nomadic lifestyles can focus on their work and travel adventure.
Ready to get covered for your digital nomad adventure? Get Covered! Get SafetyWing’s Nomad Insurance!
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