SafetyWing Insurance Review 2026: An In-Depth Analysis For Nomads

When we first started traveling in 2018 as full-time digital nomads…

There were very few digital nomad travel insurance options available. So when we learned about SafetyWing in 2019, we decided to put it to the test and see if it was any good.

We’ve now been using SafetyWing travel insurance on and off for over 7+ years!

The truth is that SafetyWing offers a convenient travel insurance option for digital nomads, backpackers, remote workers and travelers.

In our SafetyWing insurance review, I will share with you our experience using SafetyWing, what’s included in their policies and what’s not. You’ll also learn about their new claims process launched this year and how it compares to other insurance providers.

Who Is SafetyWing?

SafetyWing is a travel insurance company specifically tailored to the needs of digital nomads, travelers and expats living abroad.

But the big question we get asked all the time…

Is SafetyWing Legit?

Yes, SafetyWing is a legit company that was founded in 2018 in Norway and is now headquartered in California. They have quickly become one of the leading providers of digital nomad insurance with more than 100,000+ customers worldwide traveling in over 150+ countries.

To put it simply: There are a lot of people who use SafetyWing today!

SafetyWing offers two main Insurance plans:

• Nomad Essential: Flexible travel medical insurance.
• Nomad Complete: Full health insurance with extra travel protections.

In this SafetyWing review, I will be focusing on both Nomad Essential and Nomad Complete.

These are the most popular and innovative insurance plans that SafetyWing offers!

Who Is SafetyWing Insurance Good AND Not Good For?

The truth is that SafetyWing isn’t going to suit everyone.

Make sure you read through their full policy description to ensure it’s right for you. The following table is designed to help you decide if SafetyWing is the right choice for you:

✅ SafetyWing Is Good For…	❌ SafetyWing Is NOT Good For…
Long-term travelers on a budget	Travelers who do have lots of expensive items or equipment
Travelers who ONLY need the basics covered	Travelers needing more comprehensive trip delay or trip cancellation
Travelers who don’t have expensive gear or equipment	Travelers doing extreme sports or activities that SafetyWing doesn’t cover
Travelers who need flexible travel insurance and don’t have a fixed return date home
Digital nomads & remote workers who need long-term coverage

© Original table created by Two Tickets Anywhere.

In our opinion, SafetyWing seems to be generally designed for younger people. The prices skyrocket after the age of 49 years of age. And remember that SafetyWing doesn’t cover people over the age of 69 years old.

In saying that, it’s one of the most affordable one way travel insurance plans you’ll find. It’s also extremely flexible and offers good value for money when you consider what’s included.

SafetyWing Essential

SafetyWing Essential is a flexible travel medical insurance plan designed for digital nomads and long-term travelers who need reliable emergency coverage while exploring the world.

What makes it really stand out?

You can buy it after you’ve already started traveling and it automatically renews every 28 days.

That means you don’t need to plan ahead or worry about your coverage expiring while you’re on the road. Think of it almost like a set-and-forget type of travel insurance.

Purchase the plan and you’re covered in 180+ countries worldwide.

This flexibility is really rare for travel insurance!

What’s Covered By SafetyWing Essential?

Here’s a list of the benefits offered in SafetyWing Essential:

Medical Coverage:

Travel Coverage:

What’s great about SafetyWing Nomad Essential is that you can a combination of travel and medical insurance. Unlike some competitors, SafetyWing’s benefits include things like lost checked luggage and travel delays.

They go beyond just emergency medical costs.

Another thing I like with SafetyWing Essential is that you won’t overpay for benefits you don’t need.

For example, SafetyWing offers Adventure Sports and Electronics Theft add-ons.

If you want to cover “adventure sports” such as boxing, parasailing, paragliding, skiing, hang gliding and more, you can purchase this coverage as an optional add-on.

This helps ensure that people who need the coverage have access to it and the rest of us won’t overpay for benefits we don’t need.

SafetyWing Essential Notable Exclusions

Like all insurance, there are some things SafetyWing Essential won’t cover:

The biggest thing to know about SafetyWing Essential is that it’s primarily emergency travel insurance.

That means you don’t get benefits like routine healthcare, regular checkups, or comprehensive dental care. Essential is travel insurance in case of an emergency while you’re traveling.

Here’s the bottom line…

SafetyWing Essential provides solid emergency medical travevel coverage for digital nomads and long-term travelers. It offers flexible coverage that you can buy anytime and adjust as needed.

Just ensure you understand the benefits and exclusions before signing up to make sure it’s right for you.

SafetyWing Complete

SafetyWing Complete is comprehensive global health insurance designed for digital nomads, expats, and remote workers who need complete medical coverage worldwide, including routine care and preventive health services.

The big difference is that SafetyWing Complete is full health insurance.

That means you get benefits like preventative care, routine checkups, and comprehensive medical treatment included in your plan.

It’s designed for digital nomads, expats and remote workers who want comprehensive health insurance wherever they travel.

SafetyWing Complete requires an annual commitment and goes through an application process before approval.

What’s Covered By SafetyWing Complete?

SafetyWing Complete includes everything from Essential plus comprehensive health benefits.

Here’s is a list of what’s covered:

Enhanced Medical Coverage:

Comprehensive Health Benefits:

Maternity Care:

Enhanced Travel Coverage:

Sports Activities: Do you like outdoor adventures?

SafetyWing Complete combines travel and health coverage into one comprehensive plan. What that really means is you automatically get the Adventure Sports INCLUDED for free.

Nice, right?

This is full remote health insurance that gives you a ton of benefits to manage your health while traveling full-time.

The big thing that I like here is that SafetyWing offers benefits for Mental health and preventive care. This pushes the plan from being good to comprehensive and something that I think a lot of Nomads will value.

SafetyWing Complete Notable Exclusions

Here are some of the notable exclusions for SafetyWing Complete:

The biggest thing to know about SafetyWing Complete is that it’s comprehensive health insurance with travel benefits.

That means you get extensive medical coverage but with more restrictions and requirements compared to the Essential plan.

You’ll need to go through an application process and may have waiting periods for certain benefits, but there is a lot offered in Complete

Here’s the bottom line…

SafetyWing Complete provides comprehensive health and travel coverage for digital nomads who want full medical protection. It offers extensive benefits but requires a longer commitment and higher premiums.

Just ensure you understand the application process, waiting periods, and coverage limitations before applying to make sure it’s right for you and your situation.

Ask all the questions upfront, so there aren’t any surprises later on!

SafetyWing Pricing

The cost of SafetyWing Nomad Essential starts at just $56.28 per 4 weeks and Nomad Complete starts at $161.50 per month.

The amount you pay for your plan will ultimately depend on your age and whether you want coverage in the US, Hong Kong and Singapore.

Here’s the pricing table that shows how much a SafetyWing insurance costs every 4 weeks (28-day period) based on your age:

Age	Nomad Essential	Nomad Complete
Under 10	$0 (accompanied by an adult)	$0 (accompanied by an adult)
10 to 39	$56.28 USD	$104.44 USD
40 to 49	$92.40 USD	$171.92 USD
50 to 59	$145.04 USD	$282.80 USD
60 to 69	$196.84 USD	$386.12

*Prices Per Month and Updated as of January 2026.© TwoTicketsAnywhere

Want to add these countries to your coverage?

The truth is that SafetyWing is one of the most affordable travel insurance providers available.

And if you want to make any of your plans more comprehensive, there are extra coverage add-ons like Adventure Sports and Electronics Theft.

Deductibles And Maximum Limits

Most SafetyWings plans have the same deductible and maximum limit for claims. These are:

• Deductible: Zero Deductibles (This is a great benefit)
• Maximum Claim Limit:
  • Essential: $250,000
  • Complete: $1.5 Million

The only difference is for those aged 65-69 – You get an overall maximum limit of on Nomad Essential of $100,000.

Does SafetyWing Cover COVID-19?

Yes, SafetyWing does cover COVID-19 in the same way it covers any other illness, as long as it wasn’t contracted before your policy start date. It also can’t fall under other policy exclusions or limitations.

What does the COVID-19 coverage include?

You’re covered for medically necessary treatment, tests and mandatory quarantine up to your plan overall max limits. For example, the antibody test isn’t covered because it’s considered not medically necessary.

If you get sick with COVID-19 while traveling, SafetyWing will cover your medical treatment just like any other unexpected illness.

What Makes SafetyWing Different From Other Insurance Companies?

Now you have all the background information about SafetyWing insurance.

But what makes it different from other travel insurance providers?

Here’s a quick overview of what makes SafetyWing stand out:

• Insurance Designed For Digital Nomads – SafetyWing was one of the first companies to create a specific travel insurance policy designed for digital nomads and long-term travelers.
• Medical Coverage – SafetyWing offers a wide range of medical coverage, covering everything from medical emergencies to intensive care.
• Travel Coverage – SafetyWing doesn’t just offer medical coverage. You also get good travel coverage for things like travel delays and lost checked luggage.
• Buy It Abroad – Not at home? With SafetyWing travel insurance you can buy your while already traveling.
• Young Children Covered – Up to 2 children under the age of 10 can be included in your SafetyWing insurance policy for free.
• No Return Ticket Needed – You are not required to have a return home ticket to be insured like some travel insurance providers require.
• Monthly Subscription – SafetyWing works on a subscription, where you get billed the same amount every 4 weeks for Essential and every month on the same day for Complete.
• Clear Pricing Structure – No hidden costs, just choose your subscription and pay the same amount each month.
• Good Value For Money – The amount you pay for insurance vs. what’s included in your coverage means you get excellent value for money compared to SafetyWing’s top competitors.
• Some Home Country Coverage – After 90 days abroad as a SafetyWing subscriber, you’re covered for brief visits back to your home country for up to 30 days (15 days for U.S. residents).
• Cancel Anytime (Essential only) – Want to cancel your insurance subscription? Just log into the SafetyWing portal and cancel it any time you want.
• Excellent Customer Service – SafetyWing has excellent live chat support on their website and a 24/7 emergency contact number.

Our Experience Using SafetyWing Travel Insurance

Before diving into our experience with SafetyWing, some context:

I’ve spent the last 7 years traveling full-time across more than 40+ countries as a digital nomad.

During this time, I’ve personally used 5 different travel insurance providers and thoroughly reviewed 11 different insurance options specifically designed for digital nomads.

This extensive experience gives me a unique perspective to evaluate how SafetyWing compares to other providers in real-world situations.

We’ve been using SafetyWing Insurance for over 3 years traveling to places like Bali, Thailand, Vietnam, Portugal, Mexico, Colombia, and dozens of other destinations.

The list goes on and on…

Here’s the deal:

What stands out most is that SafetyWing focuses on simplicity and transparency in their insurance policies.

They make it crystal clear what’s covered and what’s not covered.

They don’t feel like a traditional insurance company that tries to confuse you with complex terms. They genuinely want to provide affordable travel insurance that actually works for nomads.

Every time we’ve dealt with SafetyWing’s support team, it’s been straightforward and fast. You can also purchase SafetyWing coverage in minutes.

I once bought SafetyWing coverage after landing in Bangkok waiting for my connecting flight. The whole process took less than 5 minutes!

The two big reasons we choose SafetyWing are:

• They offer coverage that automatically renews every 28 days
• Insurance works in almost every country worldwide

We know that SafetyWing was built specifically for people like us – digital nomads who don’t have a fixed home base.

That made us feel confident they understand our unique needs.

SafetyWing also has strong reviews and a good reputation online. This was another factor in our decision.

We really value having reliable coverage no matter where we are. The focus on affordable, flexible insurance for nomads is what made SafetyWing stand out from traditional travel insurance companies.

The rest of this SafetyWing review focuses on what they offer regarding their insurance plans. Keep in mind that this review is not a recommendation for buying insurance from SafetyWing. Think of it more as an honest overview.

You must do your own research and evaluate the options for yourself. At the end of the day, only you know if an insurance policy will work for your specific situation.

Pros & Cons Of SafetyWing Insurance

Here is a list of pros and cons for SafetyWing Insurance to help you decide if it’s right for you:

How To Make A Claim With SafetyWing

SafetyWing claims work similarly to other travel insurance providers.

They have a dedicated claims portal to handle everything.

Here’s how it works:

You’ll first have to choose whether it’s a medical claim or a travel claim. After that, you will be asked to attach the necessary documents.

When you are filing a medical claim, you need to attach:

• Your medical report (a note from your doctor that includes symptoms, diagnosis and treatment)
• A detailed invoice outlining what you paid for
• Proof of payment or receipt
• Your SafetyWing insurance policy number

Make sure you attach all the required documents upfront so that your claim can be handled quickly. SafetyWing aims to provide a confirmation email that your claim has been received and is being processed within 3 business days.

Keep in mind that all claims must be filed within 60 days following the termination of the insurance.

Average Time To Get Reimbursed For A Claim

How long does it take for SafetyWing to process a claim?

Your claim should take between 7 and 25 days to be processed. You will be reimbursed into your bank account by direct wire transfer if approved.

Claims take different amounts of time based on the incident and what you are claiming for.

SafetyWing Insurance Cancellation Policy

SafetyWing offers flexible cancellation terms for Nomad insurance. It’s one of the benefits that has made them so popular!

But the cancellation policies are different depending on whether you purchase Nomad Essential or Nomad Complete.

Nomad Essential Cancellation

A huge benefit of SafetyWing Nomad Essential is that you can cancel your insurance policy anytime.

Here’s how it works:

Log in to your SafetyWing account and click the “Stop insurance” button on your profile. Your insurance policy will then be canceled when your next payment is due to be debited.

That’s it!

Nomad Complete Cancellation

Here’s the deal with canceling SafetyWing Nomad Complete:

You’re locked into a 12-month commitment when you sign up. But don’t panic – you get a 15-day window to cancel after your coverage starts or renews if you change your mind.

What happens if you cancel mid-contract?

Simple – you’ll only get back up to 65% of what you paid for unused coverage. Not ideal, right?

But there’s good news…

If you have a “qualifying life event” (like getting married and jumping on your spouse’s health insurance), SafetyWing will give you a full refund for unused coverage.

Bottom line:

Make sure you’re committed before signing up because getting out early will cost you. The 15-day grace period is your safety net, so use it if you’re having second thoughts.

What Do Other People Say About SafetyWing?

Don’t just take our word for it…

To help you get the full picture of SafetyWing, we have included what other people say about their insurance policy in our SafetyWing review. Below you can see real user reviews on TrustPilot and Product Hunt.

We’ve also listed some of the advantages and disadvantages based on what we’ve observed other SafetyWing customers saying on both platforms.

SafetyWing Travel Insurance Reviews on Trustpilot

SafetyWing has a 4.2 out of 5 rating on TrustPilot. This is considered a “Great” score overall and is from a massive 2,659 user reviews.

Positive TrustPilot Reviews: SafetyWing received praise for its excellent customer service, especially for its professionalism and patience.

Travelers also like their clear pricing and no hidden fees. Digital nomads particularly had positive experiences with the convenient signup process and being able to tailor policies to their needs.

Negative TrustPilot Reviews: The main concerns raised were about the claim processing time as some customers reported that it took almost 2.5 months to process their claims.

Additionally, some users mentioned that they would prefer a more detailed overview of claim history on their dashboard.

SafetyWing Travel Insurance Reviews on Product Hunt

SafetyWing has a 3.6 out of 5 on Product Hunt. This is based on 57 user reviews on the platform.

Positive Product Hunt Reviews: People appreciated that SafetyWing offered convenient and flexible travel insurance for nomads and frequent travelers. Customers also liked the ease of sign-up, helpful customer support, and affordable pricing. The ability to extend coverage, cancel easily and make monthly payments was also valued

Negative Product Hunt Reviews: On the other hand, several negative reviews brought attention to difficulties with the claim process and reimbursement. Customers expressed frustration with claim denials, long processing times, and communication issues regarding approved claims.

Top SafetyWing Alternatives

SafetyWing isn’t the only insurance provider – esepecially for Nomads.

The top SafetyWing alternatives are:

• Genki Traveler
• Heymondo Long Stay

Here’s an overview of how each alternative compares to SafetyWing:

Feature	SafetyWing Nomad	Genki Traveler	Heymondo Long Stay
Starting price	$56.28 / 4 weeks	€52.50 / month	$162 (3-month minimum)
Medical emergency coverage	Yes	Yes	Yes
Medical coverage limit	$250,000 (lifetime medical limit)	€1,000,000 (overall limit)	$2,500,000 (medical limit)
Emergency dental	Yes (emergency only)	Yes (accident only)	Yes (pain relief only)
Pre-existing conditions	Emergency only	No	No
COVID-19 coverage	Yes	Yes	Yes
USA coverage	Add-on required	Strict Limits	Separate plan
Sports coverage	Basic (add-on for adventure)	Many included	Add-on required
Travel extras (luggage, delays, etc.)	Limited	No	Yes
Personal liability	Yes	No	Yes
Deductible	None	€50	$250 (medical)
Best for	Budget nomads	Higher medical limits	Full travel insurance

*Updated as of January 2026.© TwoTicketsAnywhere

Let’s take a deeper look at how SafetyWing stacks up against both Genki and Heymondo.

SafetyWing vs Genki

Genki launched in 2022 and has now insured over 60,000+ nomads from 196 countries.

They stand out for much higher medical coverage limits and cover a broad range of included sports activities by default. Genki typically has better limited coverage in your home country than many other nomad insurance providers.

The big difference between SafetyWing and Genki is that Genki is essentially travel medical insurance. They don’t offer benefits like trip interuption, luggage or general liability. That definitenly something to keep in mind when choosing between SafetyWing and Genki.

SafetyWing vs Heymondo

Heymondo is a full travel insurance policy, insurance policy, offering very high medical coverage up to $2,500,000.

You also get benefits like luggage, delays, personal liability, and strong assistance features. It’s designed for travelers and nomads who want comprehensive protection and are willing to pay a bit more.

Other than the max limits and insurance benefits, the big difference between Heymondo and SafetyWing is flexibility. SafetyWing automatically renews every 28 days and you can buy it for as little as 5 days.

Heymondo Long Stay requires minimim 90 days, then you can manually extend. This usually fine for most nomads because you’re away much longer any way.

SafetyWing Review: Final Thoughts

This brings us to the end of our SafetyWing review!

The truth is that SafetyWing is a great insurance option for travelers, remote workers and digital nomads who want good protection on a budget.

Their affordable monthly subscription means you get good travel and medical coverage without breaking the bank. And you’ll also get access to their 24/7 customer support team, who can help with any questions or problems that may arise!

Just make sure you check out their policy for yourself, so you can decide whether SafetyWing is right for you.

Ready to get started? Sign up for SafetyWing here.

Don’t forget to check out our complete review of the best travel insurance for digital nomads to see how SafetyWing really stacks up against the rest.

Frequently Asked Questions