As a risk-averse traveller, I always think ahead and try to be prepared for anything that can happen. Especially as a solo female traveller, I feel like there are always a few extra steps we need to take to ensure we have an easy trip. One of the most important things I do, before I embark on my next trip, is to ensure I have the best travel insurance.
Historically, travel insurance was set up for travellers who would be out of their home countries for a short amount of time. Now, with the emergence of digital nomads, an innovative company has emerged to help offer strong travel insurance that is flexible for when you need it! SafetyWing is perfect for digital nomads.
What is SafetyWing?
SafetyWing started in 2018, just at the start of the digital nomad boom! Based in California, their teams are remote and nomadic, so they know their target audience well.
SafetyWing offers two types of insurance for individuals:
Nomad Insurance: Emergency Medical Travel Insurance
Nomad Health: Health Insurance for remote workers and nomads
You might be thinking… what’s the difference?
Nomad Insurance is focused on standard emergency travel coverage.
Nomad Health is a new plan that offers a mix of standard emergency coverage along with regular health care coverage, such as routine visits and preventive care. There is a basic option and a premium option that includes dental and vision and more extensive coverage.
Both offer coverage in over 175 countries
What Does SafetyWing Cover?
SafetyWing’s standard Nomad Insurance plan is the “Nomad” plan. It’s just $45.08 USD for four weeks of travel (outside the US). That works out to just $1.50 USD per day.
Are you under 64 years old? The plan includes:
- $250,000 USD in emergency medical coverage
- $1,000 USD for emergency dental care
- $100,000 USD for medical evacuation ($25,000 USD if the cause of medical evacuation is acute onset of the pre-existing condition)
- $10,000 USD for an evacuation due to political upheaval
- $5,000 USD for a trip interruption
- Up to $200 USD for a travel delay
- $12,500–25,000 USD for death or dismemberment
- $20,000 USD for repatriation of remains
Always check the description of coverage for any conditions that apply.
What Is Not Covered with SafetyWing Nomad Insurance?
Here are some things that aren’t covered:
- Alcohol- or drug-related incidents.
- Extreme sports & adventure activities (including boxing, ruby, parachuting, parasailing, whitewater rafting, bungee jumping, and more)
- Pre-existing conditions or general check-ups
- Trip cancellation
- Lost or stolen cash
Typically, if you are using your credit card to make your travel purchases, it has better trip cancellation and delay insurance that you can use on top of what SafetyWing offers you.
SafetyWing’s Deductible
SafetyWing can keep its prices lower per month because they have a deductible. Most travel insurance companies do not have a deductible (which is why they cost more per month).
There is a $250 USD deductible for most expenses, which means that you need to pay the first $250 USD out of pocket before you are reimbursed for the remaining amount of covered expenses. So, for example, say you get injured and your hospital visit costs $1,000. You have to pay $250 and SafetyWing pays the rest.
Once you pay the $250 USD, you don’t have to pay it again. SafetyWing’s insurance will ensure you are covered for serious emergencies, so if you want to be covered for that and don’t mind the deductable, it makes for a good choice for only $45 USD per month.
Other Benefits of SafetyWing Insurance for Digital Nomads
We all know how important a great coworking space can make you feel when working as a digital nomad. SafetyWing has partnered with co-working and co-living spaces all over the world to provide discounts to their clients. Here are the Portugal options for co-working space that they’ve partnered with:
Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission if you make a purchase. I recommend only products and companies I use and the income goes to keeping the site community supported and ad free.
