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| Boilerpipe Text | Budget travelers love saving money — myself included. But one of the expenses that we shouldn’t be cheap with is
travel insurance
.
After over 17 years of traveling the world, I still never leave home without it.
Why?
Because I’ve seen firsthand how useful it can be — and how much money it can save.
I’ve lost baggage, had my camera broken, and even needed emergency medical help over the years.
Travel insurance has been there for me each time. Not only has it saved me money but it’s provided me with peace of mind as I explore.
I’ve written extensively over the years about
why you need insurance
,
how to pick the right company
, and
listed my preferred providers
.
Today, I want to talk about my
favorite
travel insurance company:
SafetyWing
.
Table of Contents
Who is SafetyWing?
What Does SafetyWing Cover?
What’s Not Covered?
Nomad Complete: Coverage for Digital Nomads and Long-Term Travelers
Making a Claim
A Note About COVID
Who is SafetyWing?
SafetyWing
is an insurance company that focuses on affordable coverage for budget travelers and digital nomads (though you don’t have to be either to get coverage). It is run by nomads and expats who know exactly what such travelers need.
SafetyWing offers basic insurance plans (called “Nomad Essential”) for a fraction of what other companies charge, although they are also less comprehensive. To me, they are the best overall travel insurance company out there.
Their standard Nomad Insurance coverage costs just $62.72 USD for 4 weeks (for travelers aged 10-39). That’s one of the lowest prices out there for reliable travel insurance. They are super competitive when it comes to price.
Their coverage extends all the way to age 69. However, travelers aged 60–69 should expect to pay upwards of $218 USD per month for coverage, which when compared to their competitors, is still very competitive.
But is the coverage
actually
good? And what about the customer service (a question I always get asked)?
Today I want to review Safety Wing and talk about when it is — and isn’t — worth using so you can better prepare for your next trip and ensure you have the coverage you need.
Â
What Does SafetyWing Cover?
SafetyWing’s standard Nomad Insurance plan is the Essential plan. For travelers under age 69, that plan includes the following:
$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 pre-existing condition)
$10,000 USD for an evacuation due to political upheaval
$5,000 USD for a trip interruption
Up to $150 a day (for three days) for travel delays ($60 USD for delays of three hours)
$12,500–25,000 USD for death or dismemberment
$20,000 USD for repatriation of remains
Be sure to check the description of coverage for any conditions that apply.
Its $100,000 USD for medical evacuation is on the low end, but unless you’re heading out into the remote wilderness, that should be fine. (If you want higher coverage, get
MedJet
.)
Its travel-delay payout is pretty low, but airlines and most
travel credit cards
provide travel delay assistance too so you might not even need the coverage offered by SafetyWing.
Additionally, the base plan doesn’t really cover expensive electronics, which sucks if you have a pricey camera or video gear. (You can add on coverage for electronics for around $10 USD per four weeks, which covers $1,000 per stolen item and has an annual limit of $3,000 per plan. While that’s not really enough to cover a laptop, it’s better than nothing and will pretty much cover your phone should it get lost, stolen, or damaged.
As with most standard travel insurance plans, this one doesn’t include pre-existing conditions or certain adventure sports. However, you can easily add more coverage for adventure activities for just $10 USD per four weeks. This will cover things like scuba diving, skydiving, paragliding, and more.
They also offer an add-on for visiting the USA, which almost doubles the monthly price. Fortunately, if you’re not visiting the USA you won’t need this, which is how they keep costs low. Overall, I really like how they handle their add-ons. I appreciate that, as someone who always needs electronic coverage but who never needs adventure activity coverage (I’m not a big adrenaline junkie), I can easily pick and choose what I add on.
Â
What’s Not Covered?
The Essential plan is primarily geared towards covering medical emergencies and basic travel mishaps (like delays and lost luggage). Here are some things that
aren’t
covered:
Alcohol- or drug-related incidents.
Extreme sports & adventure activities (unless you purchase the adventure sports add-on, which is available for non-US residents)
Pre-existing conditions or general check-ups
Trip cancellation
Lost or stolen cash
Nomad Complete: Coverage for Digital Nomads and Long-Term Travelers
SafetyWing also has
Nomad Complete
. It’s insurance for digital nomads, remote workers, and long-term travelers. This new plan offers a mix of the standard emergency coverage that we’ve been discussing above along with “regular” health care coverage, such as preventive care, vaccine coverage, and wellness treatments.
The Complete plan also offers coverage in over 175 countries, includes wellness benefits, mental health care, and the ability for individuals to choose their own doctor while traveling. They also offer an add-on for “electronics theft” (which, as someone who has been robbed while traveling, I think is a great idea) and dental coverage.
It’s like the kind of health insurance you’d find in your home country, ensuring that you’re looked after no matter what happens while you’re abroad.
You can learn more and compare the plans
here
.
If you’re just heading out for a couple weeks or a couple months, SafetyWing’s Essential plan is the option for you. It’s perfect for emergencies, is super affordable, and is designed for budget travelers. It’s the plan I use when I travel these days.
However, if you’re going to be working abroad or traveling for months (or years), then their
Complete plan
is the better option. It offers much more coverage while still being affordable. If you’re traveling for a long time and want the ability to have preventive care, this plan is for you.
You can learn more about the Complete plan in my dedicated review.
Making a Claim
SafetyWing makes it easy to file a claim through their online portal. You just upload all the required documents, screenshots, and photos, and wait to hear back. While claims can take up to 45 business days, most are handled in less than a week (as of writing, the average wait time is four days).
If you read the reviews online, most people who had a negative experience either didn’t know about the deductible (SafetyWing removed their deductible for non-US residents in 2024) or hated the length of time it took to get paid. But that’s pretty normal for people to complain about.
SafetyWing’s average time to handle a claim is down to just four days. That’s
way
faster than most companies!
Â
A Note About COVID
SafetyWing
does include coverage for COVID-19. As long as the virus was not contracted before your plan starts, then it will be covered (as long as it is medically necessary).
SafetyWing also covers quarantine costs (outside your home country) for up to $50 USD/day for 10 days (provided that you’ve had your plan for at least 28 days).
Â
***
Travel insurance is something I never leave home without. I know it’s a boring topic to read about and research, but it can literally save you hundreds or thousands of dollars in bills! I never, ever leave home without it. You shouldn’t either.
So, the next time you’re on the road, consider
SafetyWing
.
To me, they are the best travel insurance company out there for budget travelers.
You can use the booking widget below to get a quote (it’s free):
Book Your Trip: Logistical Tips and Tricks
Book Your Flight
Find a cheap flight by using
Skyscanner
. It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.
Book Your Accommodation
You can book your hostel with
Hostelworld
. If you want to stay somewhere other than a hostel, use
Booking.com
as it consistently returns the cheapest rates for guesthouses and hotels.
Don’t Forget Travel Insurance
Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:
SafetyWing
(best for budget travelers)
World Nomads
(best for mid-range travelers)
InsureMyTrip
(for those 70 and over)
Medjet
(for additional evacuation coverage)
Want to Travel for Free?
Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out
my guide to picking the right card and my current favorites
to get started and see the latest best deals.
Need a Rental Car?
Discover Cars
is a budget-friendly international car rental website. No matter where you’re headed, they’ll be able to find the best — and cheapest — rental for your trip!
Need Help Finding Activities for Your Trip?
Get Your Guide
is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.
Ready to Book Your Trip?
Check out my
resource page
for the best companies to use when you travel. I list all the ones I use when I travel. They are the best in class and you can’t go wrong using them on your trip. |
| Markdown | [Skip to content](https://www.nomadicmatt.com/travel-blogs/safety-wing-review/#main)
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# SafetyWing Travel Insurance Review
Updated:
March 13, 2026

Budget travelers love saving money — myself included. But one of the expenses that we shouldn’t be cheap with is [travel insurance](https://www.nomadicmatt.com/travel-blogs/travel-insurance/).
After over 17 years of traveling the world, I still never leave home without it.
Why?
Because I’ve seen firsthand how useful it can be — and how much money it can save.
I’ve lost baggage, had my camera broken, and even needed emergency medical help over the years.
Travel insurance has been there for me each time. Not only has it saved me money but it’s provided me with peace of mind as I explore.
I’ve written extensively over the years about [why you need insurance](https://www.nomadicmatt.com/travel-blogs/why-buy-travel-insurance/), [how to pick the right company](https://www.nomadicmatt.com/travel-blogs/travel-insurance/), and [listed my preferred providers](https://www.nomadicmatt.com/travel-blogs/best-travel-insurance-companies/).
Today, I want to talk about my **favorite** travel insurance company: [SafetyWing](https://safetywing.com/?referenceID=24768462&utm_source=24768462&utm_medium=Ambassador).
Table of Contents
- [Who is SafetyWing?](https://www.nomadicmatt.com/travel-blogs/safety-wing-review/#who-is-safetywing)
- [What Does SafetyWing Cover?](https://www.nomadicmatt.com/travel-blogs/safety-wing-review/#what-does-safetywing-cover)
- [What’s Not Covered?](https://www.nomadicmatt.com/travel-blogs/safety-wing-review/#what8217s-not-covered)
- [Nomad Complete: Coverage for Digital Nomads and Long-Term Travelers](https://www.nomadicmatt.com/travel-blogs/safety-wing-review/#nomad-complete-coverage-for-digital-nomads-and-long-term-travelers)
- [Making a Claim](https://www.nomadicmatt.com/travel-blogs/safety-wing-review/#making-a-claim)
- [A Note About COVID](https://www.nomadicmatt.com/travel-blogs/safety-wing-review/#a-note-about-covid)
### Who is SafetyWing?
[SafetyWing](https://safetywing.com/?referenceID=24768462&utm_source=24768462&utm_medium=Ambassador) is an insurance company that focuses on affordable coverage for budget travelers and digital nomads (though you don’t have to be either to get coverage). It is run by nomads and expats who know exactly what such travelers need.
SafetyWing offers basic insurance plans (called “Nomad Essential”) for a fraction of what other companies charge, although they are also less comprehensive. To me, they are the best overall travel insurance company out there.
Their standard Nomad Insurance coverage costs just \$62.72 USD for 4 weeks (for travelers aged 10-39). That’s one of the lowest prices out there for reliable travel insurance. They are super competitive when it comes to price.

Their coverage extends all the way to age 69. However, travelers aged 60–69 should expect to pay upwards of \$218 USD per month for coverage, which when compared to their competitors, is still very competitive.
But is the coverage *actually* good? And what about the customer service (a question I always get asked)?
Today I want to review Safety Wing and talk about when it is — and isn’t — worth using so you can better prepare for your next trip and ensure you have the coverage you need.
### What Does SafetyWing Cover?
SafetyWing’s standard Nomad Insurance plan is the Essential plan. For travelers under age 69, that plan includes the following:
- \$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 pre-existing condition)
- \$10,000 USD for an evacuation due to political upheaval
- \$5,000 USD for a trip interruption
- Up to \$150 a day (for three days) for travel delays (\$60 USD for delays of three hours)
- \$12,500–25,000 USD for death or dismemberment
- \$20,000 USD for repatriation of remains
Be sure to check the description of coverage for any conditions that apply.

Its \$100,000 USD for medical evacuation is on the low end, but unless you’re heading out into the remote wilderness, that should be fine. (If you want higher coverage, get [MedJet](https://medjetassist.com/nomadicmatt).)
Its travel-delay payout is pretty low, but airlines and most [travel credit cards](https://www.nomadicmatt.com/travel-blogs/best-travel-credit-cards/) provide travel delay assistance too so you might not even need the coverage offered by SafetyWing.
Additionally, the base plan doesn’t really cover expensive electronics, which sucks if you have a pricey camera or video gear. (You can add on coverage for electronics for around \$10 USD per four weeks, which covers \$1,000 per stolen item and has an annual limit of \$3,000 per plan. While that’s not really enough to cover a laptop, it’s better than nothing and will pretty much cover your phone should it get lost, stolen, or damaged.
As with most standard travel insurance plans, this one doesn’t include pre-existing conditions or certain adventure sports. However, you can easily add more coverage for adventure activities for just \$10 USD per four weeks. This will cover things like scuba diving, skydiving, paragliding, and more.
They also offer an add-on for visiting the USA, which almost doubles the monthly price. Fortunately, if you’re not visiting the USA you won’t need this, which is how they keep costs low. Overall, I really like how they handle their add-ons. I appreciate that, as someone who always needs electronic coverage but who never needs adventure activity coverage (I’m not a big adrenaline junkie), I can easily pick and choose what I add on.
### What’s Not Covered?
The Essential plan is primarily geared towards covering medical emergencies and basic travel mishaps (like delays and lost luggage). Here are some things that *aren’t* covered:
- Alcohol- or drug-related incidents.
- Extreme sports & adventure activities (unless you purchase the adventure sports add-on, which is available for non-US residents)
- Pre-existing conditions or general check-ups
- Trip cancellation
- Lost or stolen cash
### Nomad Complete: Coverage for Digital Nomads and Long-Term Travelers
SafetyWing also has [Nomad Complete](http://www.safetywing.com/nomad-health?referenceID=24768462). It’s insurance for digital nomads, remote workers, and long-term travelers. This new plan offers a mix of the standard emergency coverage that we’ve been discussing above along with “regular” health care coverage, such as preventive care, vaccine coverage, and wellness treatments.
The Complete plan also offers coverage in over 175 countries, includes wellness benefits, mental health care, and the ability for individuals to choose their own doctor while traveling. They also offer an add-on for “electronics theft” (which, as someone who has been robbed while traveling, I think is a great idea) and dental coverage.
It’s like the kind of health insurance you’d find in your home country, ensuring that you’re looked after no matter what happens while you’re abroad.
You can learn more and compare the plans [here](http://www.safetywing.com/nomad-health?referenceID=24768462).

If you’re just heading out for a couple weeks or a couple months, SafetyWing’s Essential plan is the option for you. It’s perfect for emergencies, is super affordable, and is designed for budget travelers. It’s the plan I use when I travel these days.
However, if you’re going to be working abroad or traveling for months (or years), then their [Complete plan](http://www.safetywing.com/nomad-health?referenceID=24768462) is the better option. It offers much more coverage while still being affordable. If you’re traveling for a long time and want the ability to have preventive care, this plan is for you.
[You can learn more about the Complete plan in my dedicated review.](https://www.nomadicmatt.com/travel-blogs/safetywing-nomad-health-review/)
### Making a Claim
SafetyWing makes it easy to file a claim through their online portal. You just upload all the required documents, screenshots, and photos, and wait to hear back. While claims can take up to 45 business days, most are handled in less than a week (as of writing, the average wait time is four days).
If you read the reviews online, most people who had a negative experience either didn’t know about the deductible (SafetyWing removed their deductible for non-US residents in 2024) or hated the length of time it took to get paid. But that’s pretty normal for people to complain about.
SafetyWing’s average time to handle a claim is down to just four days. That’s *way* faster than most companies\!
### A Note About COVID
[SafetyWing](https://safetywing.com/nomad-insurance/?referenceID=24768462&campaign=nomadic-matt---safetywing-a-review-of-an-upstart-travel-insurance-company---nomad-30-update---dec-2024&utm_campaign=nomadic-matt---safetywing-a-review-of-an-upstart-travel-insurance-company---nomad-30-update---dec-2024&utm_source=24768462&utm_medium=Ambassador) does include coverage for COVID-19. As long as the virus was not contracted before your plan starts, then it will be covered (as long as it is medically necessary).
SafetyWing also covers quarantine costs (outside your home country) for up to \$50 USD/day for 10 days (provided that you’ve had your plan for at least 28 days).
\*\*\*
Travel insurance is something I never leave home without. I know it’s a boring topic to read about and research, but it can literally save you hundreds or thousands of dollars in bills! I never, ever leave home without it. You shouldn’t either.
So, the next time you’re on the road, consider [SafetyWing](https://safetywing.com/nomad-insurance/?referenceID=24768462&campaign=nomadic-matt---safetywing-a-review-of-an-upstart-travel-insurance-company---nomad-30-update---dec-2024&utm_campaign=nomadic-matt---safetywing-a-review-of-an-upstart-travel-insurance-company---nomad-30-update---dec-2024&utm_source=24768462&utm_medium=Ambassador). **To me, they are the best travel insurance company out there for budget travelers.**
You can use the booking widget below to get a quote (it’s free):
#### Book Your Trip: Logistical Tips and Tricks
**Book Your Flight**
Find a cheap flight by using [Skyscanner](https://skyscanner.pxf.io/c/214481/1027991/13416?subId1=%26currency%3DUSD&associateid=AFF_TRA_19354_00001&u=https%3A%2F%2Fwww.skyscanner.com%2F). It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.
**Book Your Accommodation**
You can book your hostel with [Hostelworld](https://prf.hn/click/camref:1101lHtj). If you want to stay somewhere other than a hostel, use [Booking.com](https://www.booking.com/index.html?aid=362916) as it consistently returns the cheapest rates for guesthouses and hotels.
**Don’t Forget Travel Insurance**
Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:
- [SafetyWing](https://safetywing.com/nomad-insurance/?referenceID=24768462&campaign=footer-blue-box&utm_source=24768462&utm_medium=Ambassador) (best for budget travelers)
- [World Nomads](https://www.tkqlhce.com/click-3032045-15403748) (best for mid-range travelers)
- [InsureMyTrip](https://insuremytripus.pxf.io/q4vRWg) (for those 70 and over)
- [Medjet](https://medjetassist.com/nomadicmatt) (for additional evacuation coverage)
**Want to Travel for Free?**
Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out [my guide to picking the right card and my current favorites](https://www.nomadicmatt.com/travel-tips/picking-a-travel-credit-card/) to get started and see the latest best deals.
**Need a Rental Car?**
[Discover Cars](https://www.discovercars.com/canada?a_aid=nomadicmatt) is a budget-friendly international car rental website. No matter where you’re headed, they’ll be able to find the best — and cheapest — rental for your trip\!
**Need Help Finding Activities for Your Trip?**
[Get Your Guide](https://www.getyourguide.com/?partner_id=LLKQJ38&utm_medium=online_publisher&placement=content-top) is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.
**Ready to Book Your Trip?**
Check out my [resource page](https://www.nomadicmatt.com/travel-resources/) for the best companies to use when you travel. I list all the ones I use when I travel. They are the best in class and you can’t go wrong using them on your trip.
#### Related Posts
1. [](https://www.nomadicmatt.com/travel-blogs/medical-evacuation-insurance/ "Do You Need Medical Evacuation Insurance?")
[Do You Need Medical Evacuation Insurance?](https://www.nomadicmatt.com/travel-blogs/medical-evacuation-insurance/ "Do You Need Medical Evacuation Insurance?")
2. [](https://www.nomadicmatt.com/travel-blogs/medjet-review/ "Medjet Review: Why Travelers Need Better Evacuation Coverage")
[Medjet Review: Why Travelers Need Better Evacuation Coverage](https://www.nomadicmatt.com/travel-blogs/medjet-review/ "Medjet Review: Why Travelers Need Better Evacuation Coverage")
3. [](https://www.nomadicmatt.com/travel-blogs/best-travel-insurance-companies/ "The 4 Best Travel Insurance Companies")
[The 4 Best Travel Insurance Companies](https://www.nomadicmatt.com/travel-blogs/best-travel-insurance-companies/ "The 4 Best Travel Insurance Companies")
## **GET YOUR FREE TRAVEL STARTER KIT**
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## Resources
[](https://www.nomadicmatt.com/how-to-travel-the-world/)
[](https://www.nomadicmatt.com/ten-years-a-nomad/)
[](https://www.nomadicmatt.com/product/guide-to-points-and-miles/)
[](https://superstarblogging.nomadicmatt.com/)
[](https://www.nomadicmatt.com/travel-resources/)
Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I may earn a commission if you make a purchase. I only recommend products and companies I use. Opinions, reviews, analyses & recommendations are mine alone and have not been reviewed, endorsed, or approved by any of these entities. This page does not include all card companies or all available card offers.
#### Related Posts
1. [](https://www.nomadicmatt.com/travel-blogs/medical-evacuation-insurance/ "Do You Need Medical Evacuation Insurance?")
[Do You Need Medical Evacuation Insurance?](https://www.nomadicmatt.com/travel-blogs/medical-evacuation-insurance/ "Do You Need Medical Evacuation Insurance?")
2. [](https://www.nomadicmatt.com/travel-blogs/medjet-review/ "Medjet Review: Why Travelers Need Better Evacuation Coverage")
[Medjet Review: Why Travelers Need Better Evacuation Coverage](https://www.nomadicmatt.com/travel-blogs/medjet-review/ "Medjet Review: Why Travelers Need Better Evacuation Coverage")
3. [](https://www.nomadicmatt.com/travel-blogs/best-travel-insurance-companies/ "The 4 Best Travel Insurance Companies")
[The 4 Best Travel Insurance Companies](https://www.nomadicmatt.com/travel-blogs/best-travel-insurance-companies/ "The 4 Best Travel Insurance Companies")
Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I may earn a commission if you make a purchase. I only recommend products and companies I use. Opinions, reviews, analyses & recommendations are mine alone and have not been reviewed, endorsed, or approved by any of these entities. This page does not include all card companies or all available card offers.
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| Readable Markdown | 
Budget travelers love saving money — myself included. But one of the expenses that we shouldn’t be cheap with is [travel insurance](https://www.nomadicmatt.com/travel-blogs/travel-insurance/).
After over 17 years of traveling the world, I still never leave home without it.
Why?
Because I’ve seen firsthand how useful it can be — and how much money it can save.
I’ve lost baggage, had my camera broken, and even needed emergency medical help over the years.
Travel insurance has been there for me each time. Not only has it saved me money but it’s provided me with peace of mind as I explore.
I’ve written extensively over the years about [why you need insurance](https://www.nomadicmatt.com/travel-blogs/why-buy-travel-insurance/), [how to pick the right company](https://www.nomadicmatt.com/travel-blogs/travel-insurance/), and [listed my preferred providers](https://www.nomadicmatt.com/travel-blogs/best-travel-insurance-companies/).
Today, I want to talk about my **favorite** travel insurance company: [SafetyWing](https://safetywing.com/?referenceID=24768462&utm_source=24768462&utm_medium=Ambassador).
Table of Contents
- [Who is SafetyWing?](https://www.nomadicmatt.com/travel-blogs/safety-wing-review/#who-is-safetywing)
- [What Does SafetyWing Cover?](https://www.nomadicmatt.com/travel-blogs/safety-wing-review/#what-does-safetywing-cover)
- [What’s Not Covered?](https://www.nomadicmatt.com/travel-blogs/safety-wing-review/#what8217s-not-covered)
- [Nomad Complete: Coverage for Digital Nomads and Long-Term Travelers](https://www.nomadicmatt.com/travel-blogs/safety-wing-review/#nomad-complete-coverage-for-digital-nomads-and-long-term-travelers)
- [Making a Claim](https://www.nomadicmatt.com/travel-blogs/safety-wing-review/#making-a-claim)
- [A Note About COVID](https://www.nomadicmatt.com/travel-blogs/safety-wing-review/#a-note-about-covid)
### Who is SafetyWing?
[SafetyWing](https://safetywing.com/?referenceID=24768462&utm_source=24768462&utm_medium=Ambassador) is an insurance company that focuses on affordable coverage for budget travelers and digital nomads (though you don’t have to be either to get coverage). It is run by nomads and expats who know exactly what such travelers need.
SafetyWing offers basic insurance plans (called “Nomad Essential”) for a fraction of what other companies charge, although they are also less comprehensive. To me, they are the best overall travel insurance company out there.
Their standard Nomad Insurance coverage costs just \$62.72 USD for 4 weeks (for travelers aged 10-39). That’s one of the lowest prices out there for reliable travel insurance. They are super competitive when it comes to price.

Their coverage extends all the way to age 69. However, travelers aged 60–69 should expect to pay upwards of \$218 USD per month for coverage, which when compared to their competitors, is still very competitive.
But is the coverage *actually* good? And what about the customer service (a question I always get asked)?
Today I want to review Safety Wing and talk about when it is — and isn’t — worth using so you can better prepare for your next trip and ensure you have the coverage you need.
### What Does SafetyWing Cover?
SafetyWing’s standard Nomad Insurance plan is the Essential plan. For travelers under age 69, that plan includes the following:
- \$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 pre-existing condition)
- \$10,000 USD for an evacuation due to political upheaval
- \$5,000 USD for a trip interruption
- Up to \$150 a day (for three days) for travel delays (\$60 USD for delays of three hours)
- \$12,500–25,000 USD for death or dismemberment
- \$20,000 USD for repatriation of remains
Be sure to check the description of coverage for any conditions that apply.

Its \$100,000 USD for medical evacuation is on the low end, but unless you’re heading out into the remote wilderness, that should be fine. (If you want higher coverage, get [MedJet](https://medjetassist.com/nomadicmatt).)
Its travel-delay payout is pretty low, but airlines and most [travel credit cards](https://www.nomadicmatt.com/travel-blogs/best-travel-credit-cards/) provide travel delay assistance too so you might not even need the coverage offered by SafetyWing.
Additionally, the base plan doesn’t really cover expensive electronics, which sucks if you have a pricey camera or video gear. (You can add on coverage for electronics for around \$10 USD per four weeks, which covers \$1,000 per stolen item and has an annual limit of \$3,000 per plan. While that’s not really enough to cover a laptop, it’s better than nothing and will pretty much cover your phone should it get lost, stolen, or damaged.
As with most standard travel insurance plans, this one doesn’t include pre-existing conditions or certain adventure sports. However, you can easily add more coverage for adventure activities for just \$10 USD per four weeks. This will cover things like scuba diving, skydiving, paragliding, and more.
They also offer an add-on for visiting the USA, which almost doubles the monthly price. Fortunately, if you’re not visiting the USA you won’t need this, which is how they keep costs low. Overall, I really like how they handle their add-ons. I appreciate that, as someone who always needs electronic coverage but who never needs adventure activity coverage (I’m not a big adrenaline junkie), I can easily pick and choose what I add on.
### What’s Not Covered?
The Essential plan is primarily geared towards covering medical emergencies and basic travel mishaps (like delays and lost luggage). Here are some things that *aren’t* covered:
- Alcohol- or drug-related incidents.
- Extreme sports & adventure activities (unless you purchase the adventure sports add-on, which is available for non-US residents)
- Pre-existing conditions or general check-ups
- Trip cancellation
- Lost or stolen cash
### Nomad Complete: Coverage for Digital Nomads and Long-Term Travelers
SafetyWing also has [Nomad Complete](http://www.safetywing.com/nomad-health?referenceID=24768462). It’s insurance for digital nomads, remote workers, and long-term travelers. This new plan offers a mix of the standard emergency coverage that we’ve been discussing above along with “regular” health care coverage, such as preventive care, vaccine coverage, and wellness treatments.
The Complete plan also offers coverage in over 175 countries, includes wellness benefits, mental health care, and the ability for individuals to choose their own doctor while traveling. They also offer an add-on for “electronics theft” (which, as someone who has been robbed while traveling, I think is a great idea) and dental coverage.
It’s like the kind of health insurance you’d find in your home country, ensuring that you’re looked after no matter what happens while you’re abroad.
You can learn more and compare the plans [here](http://www.safetywing.com/nomad-health?referenceID=24768462).

If you’re just heading out for a couple weeks or a couple months, SafetyWing’s Essential plan is the option for you. It’s perfect for emergencies, is super affordable, and is designed for budget travelers. It’s the plan I use when I travel these days.
However, if you’re going to be working abroad or traveling for months (or years), then their [Complete plan](http://www.safetywing.com/nomad-health?referenceID=24768462) is the better option. It offers much more coverage while still being affordable. If you’re traveling for a long time and want the ability to have preventive care, this plan is for you.
[You can learn more about the Complete plan in my dedicated review.](https://www.nomadicmatt.com/travel-blogs/safetywing-nomad-health-review/)
### Making a Claim
SafetyWing makes it easy to file a claim through their online portal. You just upload all the required documents, screenshots, and photos, and wait to hear back. While claims can take up to 45 business days, most are handled in less than a week (as of writing, the average wait time is four days).
If you read the reviews online, most people who had a negative experience either didn’t know about the deductible (SafetyWing removed their deductible for non-US residents in 2024) or hated the length of time it took to get paid. But that’s pretty normal for people to complain about.
SafetyWing’s average time to handle a claim is down to just four days. That’s *way* faster than most companies\!
### A Note About COVID
[SafetyWing](https://safetywing.com/nomad-insurance/?referenceID=24768462&campaign=nomadic-matt---safetywing-a-review-of-an-upstart-travel-insurance-company---nomad-30-update---dec-2024&utm_campaign=nomadic-matt---safetywing-a-review-of-an-upstart-travel-insurance-company---nomad-30-update---dec-2024&utm_source=24768462&utm_medium=Ambassador) does include coverage for COVID-19. As long as the virus was not contracted before your plan starts, then it will be covered (as long as it is medically necessary).
SafetyWing also covers quarantine costs (outside your home country) for up to \$50 USD/day for 10 days (provided that you’ve had your plan for at least 28 days).
\*\*\*
Travel insurance is something I never leave home without. I know it’s a boring topic to read about and research, but it can literally save you hundreds or thousands of dollars in bills! I never, ever leave home without it. You shouldn’t either.
So, the next time you’re on the road, consider [SafetyWing](https://safetywing.com/nomad-insurance/?referenceID=24768462&campaign=nomadic-matt---safetywing-a-review-of-an-upstart-travel-insurance-company---nomad-30-update---dec-2024&utm_campaign=nomadic-matt---safetywing-a-review-of-an-upstart-travel-insurance-company---nomad-30-update---dec-2024&utm_source=24768462&utm_medium=Ambassador). **To me, they are the best travel insurance company out there for budget travelers.**
You can use the booking widget below to get a quote (it’s free):
#### Book Your Trip: Logistical Tips and Tricks
**Book Your Flight**
Find a cheap flight by using [Skyscanner](https://skyscanner.pxf.io/c/214481/1027991/13416?subId1=%26currency%3DUSD&associateid=AFF_TRA_19354_00001&u=https%3A%2F%2Fwww.skyscanner.com%2F). It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.
**Book Your Accommodation**
You can book your hostel with [Hostelworld](https://prf.hn/click/camref:1101lHtj). If you want to stay somewhere other than a hostel, use [Booking.com](https://www.booking.com/index.html?aid=362916) as it consistently returns the cheapest rates for guesthouses and hotels.
**Don’t Forget Travel Insurance**
Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:
- [SafetyWing](https://safetywing.com/nomad-insurance/?referenceID=24768462&campaign=footer-blue-box&utm_source=24768462&utm_medium=Ambassador) (best for budget travelers)
- [World Nomads](https://www.tkqlhce.com/click-3032045-15403748) (best for mid-range travelers)
- [InsureMyTrip](https://insuremytripus.pxf.io/q4vRWg) (for those 70 and over)
- [Medjet](https://medjetassist.com/nomadicmatt) (for additional evacuation coverage)
**Want to Travel for Free?**
Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out [my guide to picking the right card and my current favorites](https://www.nomadicmatt.com/travel-tips/picking-a-travel-credit-card/) to get started and see the latest best deals.
**Need a Rental Car?**
[Discover Cars](https://www.discovercars.com/canada?a_aid=nomadicmatt) is a budget-friendly international car rental website. No matter where you’re headed, they’ll be able to find the best — and cheapest — rental for your trip\!
**Need Help Finding Activities for Your Trip?**
[Get Your Guide](https://www.getyourguide.com/?partner_id=LLKQJ38&utm_medium=online_publisher&placement=content-top) is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.
**Ready to Book Your Trip?**
Check out my [resource page](https://www.nomadicmatt.com/travel-resources/) for the best companies to use when you travel. I list all the ones I use when I travel. They are the best in class and you can’t go wrong using them on your trip. |
| Shard | 188 (laksa) |
| Root Hash | 614905470797919788 |
| Unparsed URL | com,nomadicmatt!www,/travel-blogs/safety-wing-review/ s443 |