Are you a long-term traveler or digital nomad looking for reliable and affordable travel medical insurance? Look no further! In this review, we will explore SafetyWing Insurance and share our honest opinion on their coverage and services.
Why Travel Medical Insurance is Essential
While regular travel insurance covers trip cancellations, lost baggage, and emergencies during your travels, it may not adequately cover long-term travelers and digital nomads. These individuals require medical insurance that goes beyond emergency situations.
SafetyWing Insurance fills this gap by offering a hybrid of travel insurance and health insurance specifically designed for long-term adventurers and digital nomads. With SafetyWing, you can have peace of mind knowing that you are adequately covered for medical emergencies and unexpected incidents that may occur while you're on the road.
SafetyWing Insurance: Coverage for Long-Term Travelers and Digital Nomads
As long-term travelers ourselves, we understand the importance of having reliable medical insurance. SafetyWing Insurance takes the financial stress out of serious illnesses and accidents abroad, ensuring you're covered in case of any unforeseen circumstances.
One of the reasons why we love SafetyWing is their commitment to providing coverage even during the COVID-19 pandemic. They were one of the first insurance providers to cover COVID-19-related illnesses. While the concern has diminished, SafetyWing still offers coverage for COVID-19-related medical expenses.
How SafetyWing Works
SafetyWing Insurance is a partner of WorldTrips, a subsidiary of the insurance giant Tokio Marine. Their coverage is a combination of medical and travel-related benefits.
You can sign up for SafetyWing Insurance from anywhere in the world, whether you're still at home or already on the road. Coverage automatically renews every four weeks for 364 days, and you have the flexibility to cancel at any time without penalty.
In case you need medical attention, you can visit any licensed physician, whether public or private. SafetyWing also provides recommendations for physicians in your area. If you require inpatient care or surgery, it's advisable to request advance billing to simplify the claims process.
What's Covered by SafetyWing Insurance
SafetyWing Insurance offers extensive coverage, including:
- Emergency Medical Treatment
- Medical Expenses
- Emergency Dental
- Hospital Room and Board
- Family member transportation in the event of an extended hospital stay
- Terrorism Evacuation
- Emergency Medical Evacuation
- Natural Disaster Accommodation
- Lost Checked Luggage
- Trip Interruption
- Travel Delay
Additionally, SafetyWing Insurance provides travel insurance highlights such as trip interruption coverage, travel delay coverage, lost checked luggage, natural disaster accommodation, political evacuation, and emergency medical evacuation.
In terms of medical coverage, SafetyWing provides coverage for hospital stays, intensive care, ambulance charges, physical therapy, chiropractic care, emergency dental treatment, and all other eligible medical expenses. Their maximum limit is $250,000, with a deductible of $250.
What's Not Covered
While SafetyWing Insurance offers comprehensive coverage, it's essential to understand what is not covered. Routine check-ups, pre-existing conditions, and cancer treatments are not covered under their policy. If you require primary health insurance, you can explore their separate offering, Nomad Health.
Nomad Health: Health Insurance for Remote Workers
SafetyWing recently launched Nomad Health, a global health insurance specifically designed for remote workers and digital nomads. This policy covers medical needs worldwide, including in your home country.
With Nomad Health, you're covered in over 175 countries. You can receive treatment from any licensed professional at any clinic or hospital, whether private or public. Please note that coverage for the United States, Singapore, and Hong Kong is valid for 30 days when traveling there.
Personal Experience with SafetyWing Insurance
Our experience with SafetyWing Insurance has been overwhelmingly positive. As long-term travelers, we understand the importance of reliable coverage. SafetyWing's user-friendly platform and straightforward processes have made our experience hassle-free.
We recently filed a dental claim with SafetyWing Insurance and promptly received payment following the filing procedure for emergency dental claims.
Why We Love SafetyWing Insurance
There are several reasons why we highly recommend SafetyWing Insurance:
- Simple and affordable coverage
- Flexible payment options with no long-term commitment
- Comprehensive coverage for long-term travelers and digital nomads
- Easy-to-understand policies without complicated jargon
- Coverage available in 180 countries, even when you're already abroad
- Responsive customer support
Additionally, SafetyWing Insurance offers great value for money. For just $45.08 every four weeks, you can have peace of mind knowing that you're adequately covered during your adventures abroad.
The Claims Process and Customer Service
SafetyWing Insurance follows a straightforward claims process. You can easily submit a claim through their user-friendly website. They provide regular updates on the status of your claim, keeping you informed throughout the process.
Their customer support is exceptional. They are easily accessible and quick to respond to any queries or concerns. Whether you need guidance before a doctor's visit or assistance with the claims process, SafetyWing Insurance's customer service team is there to help.
Our Overall Thoughts on SafetyWing Insurance
If you're a long-term traveler or digital nomad, SafetyWing Insurance should be your go-to insurance provider. Their coverage is tailored to your needs, and their simple, inexpensive policies make it easy to stay protected anywhere in the world.
The only travelers we wouldn't recommend SafetyWing Insurance to are those who frequently participate in adventure sports or carry expensive equipment, as these are not covered under their policy.
Ready to explore the world with peace of mind? Consider SafetyWing Insurance as your trusted travel medical insurance provider!
Disclaimer: The information provided in this article is based on our personal experience and research. Please refer to SafetyWing Insurance's website for complete policy details.
