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/\* \* external links open in new window \*/ [](https://www.travellikeanna.com/) - [Start Here](https://www.travellikeanna.com/start-here/) - [Blog](https://www.travellikeanna.com/photo-blog/) - [Destinations](https://www.travellikeanna.com/location-guides-2/) - [Southeast Asia](https://www.travellikeanna.com/tag/southeast-asia/) - [Antarctica](https://www.travellikeanna.com/tag/antarctica/) - [Africa](https://www.travellikeanna.com/tag/africa/) - [Asia](https://www.travellikeanna.com/tag/asia/) - [Australia](https://www.travellikeanna.com/tag/australia/) - [Europe](https://www.travellikeanna.com/tag/europe/) - [U.S. & Canada](https://www.travellikeanna.com/tag/north-america/) - [South America](https://www.travellikeanna.com/tag/south-america/) - [Travel Advice](https://www.travellikeanna.com/category/travel-advice/) - [eSIM Cards](https://www.travellikeanna.com/tag/esim-cards/) - [Budget Travel Tips](https://www.travellikeanna.com/budget-travel-tips/) - [Saving for Travel](https://www.travellikeanna.com/how-to-save-for-travel/) - [Location Guides](https://www.travellikeanna.com/location-guides-2/) - [Expert Interviews](https://www.travellikeanna.com/interviews/) - [Travel Tales](https://www.travellikeanna.com/travel-tales/) - [Travel Book](https://www.travellikeanna.com/good-with-money/) - [Resources](https://www.travellikeanna.com/resources/) - [About](https://www.travellikeanna.com/contact/) Select Page - [Start Here](https://www.travellikeanna.com/start-here/) - [Blog](https://www.travellikeanna.com/photo-blog/) - [Destinations](https://www.travellikeanna.com/location-guides-2/) - [Southeast Asia](https://www.travellikeanna.com/tag/southeast-asia/) - [Antarctica](https://www.travellikeanna.com/tag/antarctica/) - [Africa](https://www.travellikeanna.com/tag/africa/) - [Asia](https://www.travellikeanna.com/tag/asia/) - [Australia](https://www.travellikeanna.com/tag/australia/) - [Europe](https://www.travellikeanna.com/tag/europe/) - [U.S. & Canada](https://www.travellikeanna.com/tag/north-america/) - [South America](https://www.travellikeanna.com/tag/south-america/) - [Travel Advice](https://www.travellikeanna.com/category/travel-advice/) - [eSIM Cards](https://www.travellikeanna.com/tag/esim-cards/) - [Budget Travel Tips](https://www.travellikeanna.com/budget-travel-tips/) - [Saving for Travel](https://www.travellikeanna.com/how-to-save-for-travel/) - [Location Guides](https://www.travellikeanna.com/location-guides-2/) - [Expert Interviews](https://www.travellikeanna.com/interviews/) - [Travel Tales](https://www.travellikeanna.com/travel-tales/) - [Travel Book](https://www.travellikeanna.com/good-with-money/) - [Resources](https://www.travellikeanna.com/resources/) - [About](https://www.travellikeanna.com/contact/) # I Used SafetyWing Travel Insurance in Southeast Asia—Here’s How It Went Jan 6, 2026  From a ski trip in the French Alps to backpacking South America, **travel insurance is one of the most important things to purchase for any trip**. When it comes to insurance, you insure what you can’t afford to pay yourself. Unlike health insurance in the United States, travel insurance is very affordable. [SafetyWing](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador) is currently my go-to company for flexible travel medical insurance, and I currently use their [Essential plan](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador). In this post, I share their insurance and coverage options along with **[my personal review of SafetyWing](https://www.travellikeanna.com/safetywing-travel-insurance-review/#my-review).** *Affiliate links are used in this post. If you make a purchase, I earn a small commission at no cost to yo**u, which goes toward blog maintenance costs. This post was originally published in February 2025 and has been updated with my most recent experience.* ## ## ## **In This Post** [Why do you need travel medical insurance?](https://www.travellikeanna.com/safetywing-travel-insurance-review/#why-insurance) [SafetyWing Travel Insurance Options](https://www.travellikeanna.com/safetywing-travel-insurance-review/#insurance-options) [What does SafetyWing Travel Medical Insurance cover?](https://www.travellikeanna.com/safetywing-travel-insurance-review/#what-is-covered) [Does SafetyWing cover adventure sports?](https://www.travellikeanna.com/safetywing-travel-insurance-review/#adventure-sports) [Does SafetyWing cover electronics theft?](https://www.travellikeanna.com/safetywing-travel-insurance-review/#electronic-theft) [What’s not covered by SafetyWing travel medical insurance?](https://www.travellikeanna.com/safetywing-travel-insurance-review/#what-is-not-covered) [How much does SafetyWing cost?](https://www.travellikeanna.com/safetywing-travel-insurance-review/#cost) [Purchasing Process with SafetyWing](https://www.travellikeanna.com/safetywing-travel-insurance-review/#purchasing-process) [My Review of SafetyWing Travel Medical Insurance](https://www.travellikeanna.com/safetywing-travel-insurance-review/#my-review) ## **Why do you need travel medical insurance?** Travel insurance covers all the things that go wrong – the flight delay that left you stranded in Istanbul for the night or the bout of food poisoning that hits a few hours before your flight home from Mongolia. Both are true stories from my travel adventures and not fun memories. Both of these I claimed on travel insurance and were covered by my plan. **I ALWAYS buy travel medical insurance for every trip**, which usually runs roughly \$56-100/month depending on your age. ## **Who is SafetyWing?** Founded in 2018, [SafetyWing](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador) was a fully remote Norwegian startup based in California run by nomads and expats providing insurance for budget travelers and nomads. (You don’t have to be a nomad or a budget traveler to use their insurance. It’s available to everyone.) ## **SafetyWing Travel Insurance Options** **[SafteyWing Nomad Insurance](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador)** has two options: **[Essential](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador)** and **[Complete](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador)**. Neither plan covers pre-existing conditions. (I’m currently on an Essential plan.) In late 2025, SafetyWing launched **Nomad Citizen**—a beta **membership offering global coverage for entrepreneurs, freelancers, and nomads** who join Plumia’s Nomad Citizen or a sponsoring organization. ### ### **SafetyWing Nomad Essential** **Best for short-term travel** **[Nomad Insurance Essential](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador)** provides **short-term coverage** for unexpected medical issues and emergencies while traveling outside your home country. Additional add-ons include adventure sports, electronic theft and U.S. coverage for non-residents. You can pay monthly or in full for policies. Longer policies can be set to auto-renew. When you cancel a policy anytime and get a pro-rated refund. There’s no minimum time limit for policies, so you can buy coverage for the exact dates you need. This policy is very affordable because it’s less comprehensive than other companies, but provides optional add-ons so you only pay for what you need and don’t overpay for what you don’t. Prices start at \$56.28 for people aged 18-39. ### ### **SafetyWing Nomad Complete** **Best for longterm travel** **[The Nomad Insurance Complete](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador)** is **long-term comprehensive coverage** (12-month commitment) for unexpected and ongoing health concerns worldwide. These plans can be paid monthly or annually for a 10% discount. While adventure sports are included, additional add-ons include electronic theft and coverage in Hong Kong, Singapore and the U.S. (This policy is **not available to U.S. residents.**) Plans start at \$150.50/month. One of the best benefits of SafetyWing is that you can buy while you are abroad and get 24/7 customer support with a REAL human! (I can vouch that they are excellent at assisting and will follow up with you afterward!) Prices start at \$161.50 for people aged 18-39 ### **SafetyWing Nomad Citizen** **Global coverage for entrepreneurs, freelancers, and nomads** SafetyWing’s **newest insurance program**, Nomad Citizen, (beta version) is for **people under age 50 who live abroad six months a year** and earn \$4,000 USD per month for the last year. It provides premium worldwide healthcare, including emergency and preventative care along with coverage for maternity, mental health and massage, **plus travel and income protection.** Plans start at \$400/month for ages 18-39 for members of Plumia or another association focused on borderless living. [Join the waitlist](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador) for details. ## **What does SafetyWing Travel Medical Insurance cover?** While it’s important to always read the full insurance policy, the items below are covered by [SafetyWing](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador) for the Essential and Complete plans: ### **SafetyWing Nomad Insurance Essential Plan** Each Essential policy has a \$250,000 USD max limit and a \$100,000 USD max limit for U.S. residents over 65. - **Emergency Accident & Sickness Expenses.** - **Emergency Evacuation & Repatriation.** (Evacuation to a better-equipped hospital when needed is included with a \$100,000 USD lifetime max.) - **Trip Cancelation, Delay or Interruption**. (Benefits kick in usually for delays after 12 hours. \$100/day for two days) - **Baggage Delay & Damage.** (\$500/item with a \$3,000 policy maximum) - **Injuries from leisure sports and activities.** - **Motor Accidents.** You must be properly licensed, not intoxicated and wearing safety equipment to be covered. **(\$250,000 US max limit)** - **Continued coverage in your home country after 90 days abroad.** (30 days for non-U.S. residents and 15 for U.S. residents.) **For more details, read the [full policy](https://safetywing.com/nomad-insurance/?referenceID=24747560&utm_source=24747560&utm_medium=Ambassador) on their website.** ### **SafetyWing Nomad Insurance Complete Plan** This is an **annual comprehensive plan** with \$1,500,000 overall limit for people aged 18-65. - **Emergency medical treatment and hospitalization** (Including evacuation to better-equipped hospital and transport of remains) - **Routine check-ups and preventative care plus doctor and specialist visits** - **Psychologist and psychiatrist visits along with wellness therapies** (chiropractor, dietician, etc.) - **Trip Cancelation, delay or interruption**. (Benefits kick in after three hours.) - **Lost checked luggage and** **stolen belongings** - **Injuries from leisure sports and motor accidents** - **Maternity Care** (10-month waiting period) - **Cancer Tests and treatment** **For more details, read the [compete policy](https://safetywing.com/nomad-insurance/complete/standard_nomad_insurance_complete_vumi+carrier_2024-12.pdf/?referenceID=24747560&utm_source=24747560&utm_medium=Ambassador).** ## ## **Does SafetyWing cover adventure sports?** SafetyWing now covers adventure sports with a policy add-on for the Essential plan. It is included in the Complete plan. From paragliding to scuba diving, check out the [full list of covered sports here](https://safetywing.com/nomad-insurance/policy?search=adventure+sports/?referenceID=24747560&utm_source=24747560&utm_medium=Ambassador). Organized and professional sports are not covered. ## **Does SafetyWing cover electronics theft?** Yes, you can add electronics theft coverage to a SafetyWing Essential and Complete policy for an additional fee. It covers cameras, laptops and phones with a \$1,000 USD limit per item and a yearly limit of \$3,000 per policy. This benefit is only available as an add-on for policies over 28 days. Proof of ownership like a receipt is needed for claims. To read the fine print, [check out this page with all the details.](https://safetywing.com/nomad-insurance/policy?search=electronics+theft/?referenceID=24747560&utm_source=24747560&utm_medium=Ambassador) ## **What’s not covered by SafetyWing travel medical insurance?** SafetyWing doesn’t cover pre-existing conditions for either plan. The Essential plan does not cover cancer treatment, lost or stolen personal belongings (except for electronics if you purchase that policy add-on), or trips that were canceled before you left. ## **Where can you travel with SafetyWing Nomad Insurance?** You can travel anywhere in the world except for your home country and countries with U.S., U.K., EU or UN sanctions including Belarus, Cuba, Iran North Korea, Russia, Syria and Ukraine. After being abroad for 90 days, you can get 30 days of home country coverage. (For U.S. residents, it’s 15 days.) This is only for the Essential plan. ## **Who is eligible?** [**Essential Plan:**](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador) Anyone aged 69 and under. Their policies cover people from across the world while they are outside their home country. Plans can be purchased abroad. Over 180 countries are covered. One child under 10 can be added at no extra cost per adult. [**Complete Plan:**](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador) Ages 18-65 **except for residents** (people who live in the following places 6 months per year) of Belarus, Canada, Democratic Republic of the Congo, Ireland, Palau, Saudi Arabia, United Arab Emirates and the U.S. Please note that this policy **doesn’t cover you in your primary residence.** **Nomad Citizen (beta):** Ages 18-50 who **live abroad six months a year,** earn \$4,000 USD per month and members of Plumia or another association focused on borderless living. ## **How much does SafetyWing cost?** Plans cost just a few dollars a day and vary by age making [SafetyWing](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador) one of the most affordable brands of travel medical insurance. Policy add-ons such as U.S. coverage, adventure sports and electronics theft are extra for the Essential plan. Insurance that covers you wherever you go. See how much Nomad Insurance Essential costs: Age range Including travel in the US ? Coverage that includes travel to the US and US territories. Not applicable to US citizens. Specific travel dates ? When you choose set travel dates instead of a subscription, you pay for the whole trip upfront. Minimum 5 days, maximum 364 days. Start date End date \$ 62\.72 / 4 weeks (28 days) [Buy now](https://safetywing.com/a/24747560) ## **Purchasing Process with SafetyWing** It just takes minutes to fill out the form online including your age, home address and countries you’ll be visiting. The chat box makes it easy to ask questions and talk to a real human 24/7. Customer service can easily answer any questions quickly. They are also great about following up when needed. ## **My Review of SafetyWing Travel Medical Insurance** ***This includes my experience with three claims in late 2025 and 2024.*** I spend every winter in [Southeast Asia](https://www.travellikeanna.com/where-to-go-in-southeast-asia/) and always buy a Nomad Insurance policy for my time abroad. In late December 2025, I went to Bangkok Hospital in [Chiang Mai](https://www.travellikeanna.com/expats-guide-to-chiang-mai/) to see a doctor for a UTI, who ordered a urine test, gave me some meds and asked me to come back in three days for another visit and urine test. Thankfully, it was all cured by then. The total cost for both visits and the medicine was \$113.70 USD. (I’ve also written about my experience with [Thailand’s affordable private healthcare](https://www.travellikeanna.com/why-you-should-go-abroad-for-medical-care/).) The **process of filing a claim with SafetyWing took only five minutes** and was very simple. (It took probably 15 minutes total, including the time to organize and PDF the documents.) I had to include the medical report with the diagnosis and an itemized bill and proof of payment. (Make sure to ask for these before leaving the doctor’s office.) The best part of about the filing process is that you can upload all the documents together as a single file and don’t have to upload each in a separate category, which I’ve had to do with my regular health insurance. The next step was to add my banking details and done\! A quick note: I waited to upload the documents from both appointments at the same time because it just seemed easier. You can upload things separately because there’s an option to select if it’s related to an existing claim. The normal turnaround time for processing claims is five business days. Since I submitted the claim late on the Friday before Christmas week, I expected a delay due to the holiday, but it was approved exactly on the fifth business day (December 29th). Since there’s no policy deductible, **the direct deposit for the full amount was in my account the same day** via a wire transfer that showed up from EXPATPA\! In February 2025, I filed a small claim for a bout of food poisoning I got in Cambodia. The doctor’s visit and medicine were less than \$20 USD. T**he claim was approved the next day and deposited the following day.** Perhaps the small amount of the claim helped expedite the process. Either way, I’ve had nothing but smooth experiences since they launched the new streamlined claims process. In early 2024, SafetyWing paid a claim related to some knee pain I had that required an MRI (\$331). In general, they’ve covered a wide range of injuries and illnesses for me over the years. Overall, the process was smooth. It’s very important to have all your documentation together including the doctor’s report, payment receipts for the visit and any prescriptions. I’ve always had great experience using their plans. Safe Travels\!  Hi, I’m Anna — a vagabond writer and photographer with bylines in [National Geographic, The Washington Post](https://www.nationalgeographic.com/travel/article/alternatives-to-angkor-wat) and [AFAR.](https://www.afar.com/authors/anna-mazurek) I’ve been traveling solo full-time for more than a decade and built this blog to help you (and your wallet) make the most of your adventures. ## Let's Swap TRAVEL Stories\! #### Sign up for my adventure updates, tips, location guides & expert interviews\! ## You have Successfully Subscribed\! [](https://amzn.to/2L7bsXG) #### Recent Posts - [Is GigSky the Best eSIM for Southeast Asia? Honest 2026 Review](https://www.travellikeanna.com/gigsky-esim-review/) - [An Easy Guide to Getting American Airlines Elite Status—And How to Optimize it Once You Do](https://www.travellikeanna.com/guide-to-american-airlines-elite-status/) - [15 Things to do in Ho Chi Minh City (Saigon) that are Actually Worth Your Time](https://www.travellikeanna.com/ho-chi-minh/) #### Categories [Africa Travel Guides](https://www.travellikeanna.com/tag/africa/) [Antarctica Travel Guide](https://www.travellikeanna.com/tag/antarctica/) [Argentina](https://www.travellikeanna.com/tag/argentina/) [Asia Travel Guides](https://www.travellikeanna.com/tag/asia/) [Australia Travel Guides](https://www.travellikeanna.com/tag/australia/) [budget](https://www.travellikeanna.com/tag/budget/) [Budget travel](https://www.travellikeanna.com/tag/budget-travel/) [Canada](https://www.travellikeanna.com/tag/canada/) [Cuba](https://www.travellikeanna.com/tag/cuba/) [Eco-Friendly Travel](https://www.travellikeanna.com/tag/eco-friendly-travel/) [eSIM card](https://www.travellikeanna.com/tag/esim-card/) [eSIM Card Reviews & Tips](https://www.travellikeanna.com/tag/esim-cards/) [Europe Travel Guides](https://www.travellikeanna.com/tag/europe/) [Expert Interviews](https://www.travellikeanna.com/tag/expert-interviews/) [Gnome](https://www.travellikeanna.com/tag/gnome/) [Good With Money Book](https://www.travellikeanna.com/tag/good-with-money-book/) [Hiking](https://www.travellikeanna.com/tag/hiking/) [Iceland](https://www.travellikeanna.com/tag/iceland/) [India](https://www.travellikeanna.com/tag/india/) [Japan](https://www.travellikeanna.com/tag/japan/) [Kilimanjaro](https://www.travellikeanna.com/tag/kilimanjaro/) [Location Guides](https://www.travellikeanna.com/tag/location-guides/) [Mongolia](https://www.travellikeanna.com/tag/mongolia/) [North America Travel Guides](https://www.travellikeanna.com/tag/north-america/) [Packing Lists](https://www.travellikeanna.com/tag/packing-lists/) [Road Trips](https://www.travellikeanna.com/tag/road-trips/) [Saving for travel](https://www.travellikeanna.com/tag/saving-for-travel/) [Solo Travel](https://www.travellikeanna.com/tag/solo-travel/) [South America Travel Guides](https://www.travellikeanna.com/tag/south-america/) [Southeast Asia Travel Guides](https://www.travellikeanna.com/tag/southeast-asia/) [Thailand](https://www.travellikeanna.com/tag/thailand/) [Travel Advice](https://www.travellikeanna.com/tag/travel-advice/) [Travel gear](https://www.travellikeanna.com/tag/travel-gear/) [Travel Insurance](https://www.travellikeanna.com/tag/travel-insurance/) [Travel Photography](https://www.travellikeanna.com/tag/travel-photography/) [Travel Tales & Humor](https://www.travellikeanna.com/tag/travel-tales/) [Travel Tuesday Interviews](https://www.travellikeanna.com/tag/travel-tuesday-interviews/) [U.S. Travel](https://www.travellikeanna.com/tag/u-s-travel/) [Vietnam](https://www.travellikeanna.com/tag/vietnam/) [Working Abroad](https://www.travellikeanna.com/tag/working-abroad/)  Anna Mazurek is a freelance writer and photographer with bylines in [National Geographic, The Washington Post](https://www.nationalgeographic.com/travel/article/alternatives-to-angkor-wat) and [AFAR.](https://www.afar.com/authors/anna-mazurek) She’s has traveled solo full-time for more than a decade and built this blog to help you (and your wallet) make the most of your adventures. # **Related Posts** **Travel Guides, Budget Tips & Expert Interviews** [](https://www.travellikeanna.com/gigsky-esim-review/) ## [Is GigSky the Best eSIM for Southeast Asia? Honest 2026 Review](https://www.travellikeanna.com/gigsky-esim-review/) I tested GigSky’s eSIM across Southeast Asia—but how well does it actually work on the road? In this post, I share my experience in Thailand, Cambodia, Vietnam and Singapore, including setup, coverage, speeds, costs, and customer service. [](https://www.travellikeanna.com/guide-to-american-airlines-elite-status/) ## [An Easy Guide to Getting American Airlines Elite Status—And How to Optimize it Once You Do](https://www.travellikeanna.com/guide-to-american-airlines-elite-status/) [](https://www.travellikeanna.com/ho-chi-minh/) ## [15 Things to do in Ho Chi Minh City (Saigon) that are Actually Worth Your Time](https://www.travellikeanna.com/ho-chi-minh/) Ho Chi Minh City (Saigon) is the sleek modern paradox to Hanoi’s ancient streets. With a population of eight million, the city is flooded with motorbike traffic—crossing the street isn’t for the faint of heart—and towering skyscrapers. While most of the main sights in District 1 are war-related, the city has an unmistakable vibe that will make it hard to leave and some of the best craft beer in Asia. # Want to **TRAVEL** the world? Sign up for new posts from my adventures along with travel advice & tips\! Let's Be Friends [](https://www.instagram.com/annamazurekphoto) [](https://www.pinterest.com/TravelLikeAnnaBlog/) [](mailto:Anna@TravelLikeAnna.com%20) [](https://www.annamazurekphoto.com/) ALL CONTENT © 2026 ANNA MAZUREK \| [TERMS OF SERVICE](https://www.travellikeanna.com/terms-of-service/) \| [PRIVACY POLICY](https://www.travellikeanna.com/privacy-policy) *This site includes affilate links. We may earn a commision on any purchases made.* ## Let's Swap TRAVEL Stories\! Sign up for travel tips, location guides, expert interviews and updates from my adventures\! ## You have Successfully Subscribed\! 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 From a ski trip in the French Alps to backpacking South America, **travel insurance is one of the most important things to purchase for any trip**. When it comes to insurance, you insure what you can’t afford to pay yourself. Unlike health insurance in the United States, travel insurance is very affordable. [SafetyWing](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador) is currently my go-to company for flexible travel medical insurance, and I currently use their [Essential plan](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador). In this post, I share their insurance and coverage options along with **[my personal review of SafetyWing](https://www.travellikeanna.com/safetywing-travel-insurance-review/#my-review).** *Affiliate links are used in this post. If you make a purchase, I earn a small commission at no cost to yo**u, which goes toward blog maintenance costs. This post was originally published in February 2025 and has been updated with my most recent experience.* ## ## ## **In This Post** [Why do you need travel medical insurance?](https://www.travellikeanna.com/safetywing-travel-insurance-review/#why-insurance) [SafetyWing Travel Insurance Options](https://www.travellikeanna.com/safetywing-travel-insurance-review/#insurance-options) [What does SafetyWing Travel Medical Insurance cover?](https://www.travellikeanna.com/safetywing-travel-insurance-review/#what-is-covered) [Does SafetyWing cover adventure sports?](https://www.travellikeanna.com/safetywing-travel-insurance-review/#adventure-sports) [Does SafetyWing cover electronics theft?](https://www.travellikeanna.com/safetywing-travel-insurance-review/#electronic-theft) [What’s not covered by SafetyWing travel medical insurance?](https://www.travellikeanna.com/safetywing-travel-insurance-review/#what-is-not-covered) [How much does SafetyWing cost?](https://www.travellikeanna.com/safetywing-travel-insurance-review/#cost) [Purchasing Process with SafetyWing](https://www.travellikeanna.com/safetywing-travel-insurance-review/#purchasing-process) [My Review of SafetyWing Travel Medical Insurance](https://www.travellikeanna.com/safetywing-travel-insurance-review/#my-review) ## **Why do you need travel medical insurance?** Travel insurance covers all the things that go wrong – the flight delay that left you stranded in Istanbul for the night or the bout of food poisoning that hits a few hours before your flight home from Mongolia. Both are true stories from my travel adventures and not fun memories. Both of these I claimed on travel insurance and were covered by my plan. **I ALWAYS buy travel medical insurance for every trip**, which usually runs roughly \$56-100/month depending on your age. ## **Who is SafetyWing?** Founded in 2018, [SafetyWing](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador) was a fully remote Norwegian startup based in California run by nomads and expats providing insurance for budget travelers and nomads. (You don’t have to be a nomad or a budget traveler to use their insurance. It’s available to everyone.) **[SafteyWing Nomad Insurance](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador)** has two options: **[Essential](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador)** and **[Complete](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador)**. Neither plan covers pre-existing conditions. (I’m currently on an Essential plan.) In late 2025, SafetyWing launched **Nomad Citizen**—a beta **membership offering global coverage for entrepreneurs, freelancers, and nomads** who join Plumia’s Nomad Citizen or a sponsoring organization. ### ### **SafetyWing Nomad Essential** **Best for short-term travel** **[Nomad Insurance Essential](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador)** provides **short-term coverage** for unexpected medical issues and emergencies while traveling outside your home country. Additional add-ons include adventure sports, electronic theft and U.S. coverage for non-residents. You can pay monthly or in full for policies. Longer policies can be set to auto-renew. When you cancel a policy anytime and get a pro-rated refund. There’s no minimum time limit for policies, so you can buy coverage for the exact dates you need. This policy is very affordable because it’s less comprehensive than other companies, but provides optional add-ons so you only pay for what you need and don’t overpay for what you don’t. Prices start at \$56.28 for people aged 18-39. ### ### **SafetyWing Nomad Complete** **Best for longterm travel** **[The Nomad Insurance Complete](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador)** is **long-term comprehensive coverage** (12-month commitment) for unexpected and ongoing health concerns worldwide. These plans can be paid monthly or annually for a 10% discount. While adventure sports are included, additional add-ons include electronic theft and coverage in Hong Kong, Singapore and the U.S. (This policy is **not available to U.S. residents.**) Plans start at \$150.50/month. One of the best benefits of SafetyWing is that you can buy while you are abroad and get 24/7 customer support with a REAL human! (I can vouch that they are excellent at assisting and will follow up with you afterward!) Prices start at \$161.50 for people aged 18-39 ### **SafetyWing Nomad Citizen** **Global coverage for entrepreneurs, freelancers, and nomads** SafetyWing’s **newest insurance program**, Nomad Citizen, (beta version) is for **people under age 50 who live abroad six months a year** and earn \$4,000 USD per month for the last year. It provides premium worldwide healthcare, including emergency and preventative care along with coverage for maternity, mental health and massage, **plus travel and income protection.** Plans start at \$400/month for ages 18-39 for members of Plumia or another association focused on borderless living. [Join the waitlist](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador) for details. ## **What does SafetyWing Travel Medical Insurance cover?** While it’s important to always read the full insurance policy, the items below are covered by [SafetyWing](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador) for the Essential and Complete plans: ### **SafetyWing Nomad Insurance Essential Plan** Each Essential policy has a \$250,000 USD max limit and a \$100,000 USD max limit for U.S. residents over 65. - **Emergency Accident & Sickness Expenses.** - **Emergency Evacuation & Repatriation.** (Evacuation to a better-equipped hospital when needed is included with a \$100,000 USD lifetime max.) - **Trip Cancelation, Delay or Interruption**. (Benefits kick in usually for delays after 12 hours. \$100/day for two days) - **Baggage Delay & Damage.** (\$500/item with a \$3,000 policy maximum) - **Injuries from leisure sports and activities.** - **Motor Accidents.** You must be properly licensed, not intoxicated and wearing safety equipment to be covered. **(\$250,000 US max limit)** - **Continued coverage in your home country after 90 days abroad.** (30 days for non-U.S. residents and 15 for U.S. residents.) **For more details, read the [full policy](https://safetywing.com/nomad-insurance/?referenceID=24747560&utm_source=24747560&utm_medium=Ambassador) on their website.** ### **SafetyWing Nomad Insurance Complete Plan** This is an **annual comprehensive plan** with \$1,500,000 overall limit for people aged 18-65. - **Emergency medical treatment and hospitalization** (Including evacuation to better-equipped hospital and transport of remains) - **Routine check-ups and preventative care plus doctor and specialist visits** - **Psychologist and psychiatrist visits along with wellness therapies** (chiropractor, dietician, etc.) - **Trip Cancelation, delay or interruption**. (Benefits kick in after three hours.) - **Lost checked luggage and** **stolen belongings** - **Injuries from leisure sports and motor accidents** - **Maternity Care** (10-month waiting period) - **Cancer Tests and treatment** **For more details, read the [compete policy](https://safetywing.com/nomad-insurance/complete/standard_nomad_insurance_complete_vumi+carrier_2024-12.pdf/?referenceID=24747560&utm_source=24747560&utm_medium=Ambassador).** ## ## **Does SafetyWing cover adventure sports?** SafetyWing now covers adventure sports with a policy add-on for the Essential plan. It is included in the Complete plan. From paragliding to scuba diving, check out the [full list of covered sports here](https://safetywing.com/nomad-insurance/policy?search=adventure+sports/?referenceID=24747560&utm_source=24747560&utm_medium=Ambassador). Organized and professional sports are not covered. ## **Does SafetyWing cover electronics theft?** Yes, you can add electronics theft coverage to a SafetyWing Essential and Complete policy for an additional fee. It covers cameras, laptops and phones with a \$1,000 USD limit per item and a yearly limit of \$3,000 per policy. This benefit is only available as an add-on for policies over 28 days. Proof of ownership like a receipt is needed for claims. To read the fine print, [check out this page with all the details.](https://safetywing.com/nomad-insurance/policy?search=electronics+theft/?referenceID=24747560&utm_source=24747560&utm_medium=Ambassador) ## **What’s not covered by SafetyWing travel medical insurance?** SafetyWing doesn’t cover pre-existing conditions for either plan. The Essential plan does not cover cancer treatment, lost or stolen personal belongings (except for electronics if you purchase that policy add-on), or trips that were canceled before you left. ## **Where can you travel with SafetyWing Nomad Insurance?** You can travel anywhere in the world except for your home country and countries with U.S., U.K., EU or UN sanctions including Belarus, Cuba, Iran North Korea, Russia, Syria and Ukraine. After being abroad for 90 days, you can get 30 days of home country coverage. (For U.S. residents, it’s 15 days.) This is only for the Essential plan. ## **Who is eligible?** [**Essential Plan:**](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador) Anyone aged 69 and under. Their policies cover people from across the world while they are outside their home country. Plans can be purchased abroad. Over 180 countries are covered. One child under 10 can be added at no extra cost per adult. [**Complete Plan:**](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador) Ages 18-65 **except for residents** (people who live in the following places 6 months per year) of Belarus, Canada, Democratic Republic of the Congo, Ireland, Palau, Saudi Arabia, United Arab Emirates and the U.S. Please note that this policy **doesn’t cover you in your primary residence.** **Nomad Citizen (beta):** Ages 18-50 who **live abroad six months a year,** earn \$4,000 USD per month and members of Plumia or another association focused on borderless living. ## **How much does SafetyWing cost?** Plans cost just a few dollars a day and vary by age making [SafetyWing](https://safetywing.com/nomad-insurance/?referenceID=24747560&campaign=safetywing-travel-review-post&utm_campaign=safetywing-travel-review-post&utm_source=24747560&utm_medium=Ambassador) one of the most affordable brands of travel medical insurance. Policy add-ons such as U.S. coverage, adventure sports and electronics theft are extra for the Essential plan.