With the rising popularity of a nomadic lifestyle, there is also an increasing number of digital nomad health insurance options to choose from. Picking the right travel health insurance is crucial, and while it is a boring task, ensuring you have the correct coverage could make or break your time on the road.
SafetyWing is a relatively new travel health insurance company and they are quickly making their way to the top of the charts with some of the best value for money coverage on the market.
At a set price of just $37 for a four week period, SafetyWing is by far one of the most affordable digital nomad health insurance options available. While it may seem suspect at first, this company has proven time and again to stand up to their word and deliver great service to all remote workers.
Here are a few of the incredible benefits provided by SafetyWing:
- Recurring billing: like a Netflix subscription, you can pay for this travel health insurance as you go.
- Home country coverage: most digital nomad health insurance companies will cancel all coverage if you return home for a visit, thankfully SafetyWing is the exception. Their policy won’t become void and will even cover you in your home country for 30 days in a 90 day insurance period.
- Yearly deductible: at a maximum cost of $250 per subscription period (which can last for a total of 365 days).
- No deductible on many claims: including emergency dental, emergency medical evacuation, repatriation of remains, crisis response, emergency reunion, bedside visit, trip interruption, accidental death and dismemberment, lost checked luggage, travel delays, personal liability, and more.
What does SafetyWing cover?
With SafetyWing, you’ll be covered for any unexpected injury or illness including any hospital, doctor, or prescription medication expenses. In other words, you’ll receive full coverage for medical expenses. Like any travel health insurance, there are exclusions and limitations to the policy which can be referred to in the Description of Coverage.
Not only will you be covered for medical, but SafetyWing also provides travel-related benefits in case of an emergency. This extends to emergency medical evacuation, bedside visit, travel delay, and lost checked luggage.
What is excluded from SafetyWing?
The only major exclusions from your SafetyWing insurance cover are:
- Cancer treatment
- Preexisting conditions (with the exception of acute onset of preexisting conditions)
- Routine check-ups
SafetyWing is not a primary health insurance company and therefore can’t be used as such.
Get Your Personal Rate
SafetyWing will quote you a price using the widget below. As you can see, their rates are very reasonable and cover a flexible 4-week billing schedule.
Why Remote Workers Need Insurance
Sometimes choosing travel health insurance can seem daunting and confusing, but if you’re a remote worker you must persevere. 60% of travelers give up the fight when it comes to finding a travel insurance policy due to reasons below, however, they often come to regret it.
Investing in the best travel health insurance for your circumstances will be essential if you ever have a more serious accident or are caught in a dangerous event, such as a natural disaster or political emergency. It’s an aspect of remote working that shouldn’t be overlooked, even if you’re traveling to a country where the medical costs are ridiculously cheap.
Without insurance, you could find yourself in a very sticky situation and if you can get coverage for just $2 to $4 a day, it will save you a lot of hassle later on.
SafetyWing Insurance Reviews
Well-known digital nomads, such as Digital Nomad Soul and How I Travel, highly recommend SafetyWing travel health insurance.
Digital Nomad Soul’s review commends SafetyWing for allowing travelers to sign up to their policy even after beginning their trip. They also comment on the fact that this digital nomad health insurance is “the cheapest international health and travel insurance [they have] seen.”
You can also see how SafetyWing faces up to World Nomads in How I Travel’s review, where their policy wins the majority of comparisons.
Digital nomad health insurance Reddit reviews are also a great place to gather knowledge from real people and learn from their experiences.
SafetyWing vs. World Nomads
While SafetyWing and World Nomads have many similar advantages, there are a few key features that set the two apart.
Firstly, SafetyWing costs less than half the price of World Nomads. The cover offered by the two companies are identical in most aspects, so it’s puzzling why World Nomads is charging their customers significantly more. World Nomads does have better coverage on adventure sports and expensive items, such as laptops and camera gear, but the difference is too minimal to justify such a large increase in the price.
SafetyWing is also cheaper when it comes to policy extensions and won’t void your policy if you visit your home country like World Nomads. With SafetyWing, customers often receive better service and, according to reviews, their claims are processed faster.
On TrustPilot, SafetyWing received an impressive score of 4/5 stars when World Nomads only scored 3/5. While SafetyWing has significantly fewer reviews on the site compared to World Nomads, each review raves about the affordability of their travel health insurance and the peace of mind it provided to customers. On the flip side, World Nomads has many negative reviews complaining about the lack of good customer service, the company’s cooperation, and the slow processing or refusal of claims.
If you’re a remote worker on the hunt for a quality digital nomad health insurance, SafetyWing is the way to go. Their affordable policy will provide you with the needed cover to protect you when abroad. You will also reap the benefits of some unique features like home visit coverage, a yearly deductible, and coverage for private health facilities.
Check out the many SafetyWing insurance reviews online and you’ll see just how satisfied their customers are with the service they provide.