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Insurance for travelers and nomads Pros and cons

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If you are a lucky digital nomad to be working on the "concert economy", then you are likely to have the opportunity to combine your work efforts along with frequent travel. If this sounds like you and you are moving from one country to another, then it is crucial that you plan the unexpected.

With this, we refer to the organization of a comprehensive travel medical insurance plan that will protect you in case you need medical assistance. Otherwise, it could generate significantly high medical bills, something that, depending on the severity of the problem, you may not be able to cover.

That said, people like SafetyWing adapt their travel medical insurance package to those who live the nomadic lifestyle. With a price structure of $ 68/4 weeks for trips within the US. UU. And $ 37/4 weeks for any other place, we seek to explore if SafetyWing is a remarkable option for your travel medical insurance needs.

As such, if you are thinking about using SafetyWing, be sure to read our full review. Inside it, we cover everything from fees, what it is covered for, who is suitable and more.

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What is SafetyWing?

In its most basic form, SafetyWing is a travel medical insurance provider that is suitable for those who live the digital nomadic lifestyle. Since the provider recognizes that independent workers based in locations other than their country of origin will often not be able to obtain the required medical insurance, SafetyWing directs their coverage specifically to this niche area.

Keep in mind that you do not need to be an independent worker for example to consider getting SafetyWing coverage, since the provider is still suitable if you simply live abroad.

However, in addition to offering medical insurance, SafetyWing also covers a number of other travel-related events. This covers unfortunate events, such as travel delays, lost luggage, evacuation requirements related to political unrest or terrorism, and more.

As we will discuss in more detail later, SafetyWing has grown in popularity since its creation in 2017 due to its super competitive price structure. When you first go to the provider's website, your patented offer of $ 37/4 weeks, or $ 68 / weeks will be presented instantly if your travel plans include the US. UU.

Ultimately, the general selling point of the SafetyWing team is to provide its clients with travel medical insurance that is reliable, flexible and perhaps most importantly, affordable.

Now that you have an overview of what SafetyWing is, in the next section of our review we will explore what the provider covers in more detail.

What does SafetyWing cover?

SafetyWing offers "Travel Medical Insurance," which means that it provides medical coverage. Y travel cover To understand how the two differ, we have broken down the most relevant points below.

Medical cover

In a nutshell, SafetyWing will cover it in case you get sick or get involved in an accident when you are outside your home country. This will include costs related to hospital visits, such as nursing services and the room / bed itself, as well as intensive care.

In addition, SafetyWing will also cover the costs if you are charged for using an ambulance at your respective location, although the provider states that this should be "usual, reasonable and customary charges when a covered illness or injury results in hospitalization."

If you need the attention of a chiropractic specialist or a doctor, SafetyWing will cover you up to the first $ 50 per day. Also, if you must seek emergency dental care, your SafetyWing plan should cover you up to the first $ 1,000.

In terms of notable exclusions, you will not be covered if you participate in high-risk sports activities. This would include likes of freestyle skiing, advanced hiking or luge in the street. It is also important to keep in mind that you will not be covered for pre-existing injuries or conditions, which is standard in the industry anyway. Finally, cancer treatment will not be covered by SafetyWing.

Travel deck

In addition to covering expenses related to illnesses and injuries, SafetyWing also offers comprehensive coverage in a variety of travel-related costs. First, if you experience a trip delay that exceeds 12 hours, and require an unplanned night stay, then your SafetyWing insurance will cover you up to $ 100 per day. Please note that this can only be claimed for a maximum of two days, which is reasonable.

If you cannot leave your current location due to a natural disaster and therefore require a new place to stay, you can claim up to $ 100 per – for up to 5 days. On the other hand, you will be used to higher limits if you must leave your current location due to a political evacuation, which equals a lifetime limit of $ 10,000.

When it comes to lost luggage that was registered in their respective airline, the SafetyWing plan offers up to $ 3,000 per certificate period. This amounts to a maximum of $ 500 per lost item, with consumers restricted to a lifetime limit of $ 6,000. However, the lifetime limit is per person, which means that if you have family or group coverage, the lifetime limit extends to $ 250,000.

In terms of the basics, you cannot claim electronic items, including cameras, laptops and phones. This is somewhat frustrating, since these elements, in particular, are likely to produce the greatest loss of value.

If you ever need to claim personal responsibility, the maximum limits will depend on the specific circumstances. For example, while related third party property claims have a limit of $ 2,500, third party property claims and third party injuries will throw a maximum limit of $ 25,000. In addition, when it comes to accidental death or loss of two limbs, SafetyWing covers up to $ 50,000. The loss of a limb has a limit of $ 25,000.

How much does SafetyWing cost? It is well worth the money?

Although we have already submitted the offer of the SafetyWing holder shown on its home page, it is important to keep in mind that the specific cost may vary according to your age group.

As such, let's analyze the fundamentals in more detail. To clarify, the prices below are based on 4 weeks, which is equivalent to 28 full days of coverage.

All trips are outside the US UU.

  • From 10 to 39 years old: $ 36.96 / 4 weeks
  • 40 to 49 years: $ 59.92 / 4 weeks
  • 50 to 59 years: $ 94.08 / 4 weeks
  • From 60 to 69 years: $ 127.68 / 4 weeks

Travel includes the US UU.

  • From 10 to 39 years old: $ 67.76 / 4 weeks
  • 40 to 49 years: $ 111.44 / 4 weeks
  • 50 to 59 years: $ 183.68 / 4 weeks
  • From 60 to 69 years: $ 250.60 / 4 weeks

As you will see in the previous figures, there is a considerable premium if you plan to travel to the USA. UU. The main reason for this is that medical care in the US UU. It is usually much higher than in the rest of the world.

However, the good news is that, regardless of where you travel, people 10 years old or younger will be covered at no additional cost. This will only be the case if the respective child travels with an adult or with a group.

Take note, you can only benefit from the $ 0 offer for children under 10 years up to a maximum of two children. As such, if you need coverage for three or more children under 10, each subsequent child will return to the normal price for children 10 to 39 years. Finally, it is important to keep in mind that SafetyWing will not cover children under 15 days.

In terms of the plan itself, SafetyWing will automatically renew the 28-day coverage until you cancel it. This is really beneficial if you are officially living abroad or if you are traveling abroad for a long period of time. Otherwise, you must manually renew your travel medical insurance every four weeks. Also, if you forget to do this, you run the risk of finding a problem without being covered.

SafetyWing Prices

Specific travel dates

If you do not wish to hire the 28-day recurring plan with SafetyWing, the provider also offers a customized package that covers specific travel dates. For example, if you were looking to travel to Southeast Asia for 13 days, it would be pointless to get the full 28-day plan.

If you choose this route, you can take out a plan of only 5 days, up to a maximum of 364 days.

Does SafetyWing have country restrictions?

First of all, if you get sick or injured in your home country, it is important to clarify that you can only claim in your SafetyWing coverage plan if the accident happened "by chance".

For example, if you had to suffer a serious injury while traveling and then returned home with the specific purpose of receiving treatment in the country, you could not claim your SafetyWing costs.

On the contrary, if he traveled home to visit and became ill or had an accident, then this could be covered. However, you will only be covered in your home country for 30 days every 90 days, or 15 days for every 90 days if your home country is USA. UU.

However, you can travel with SafetyWing insurance anywhere in the world, apart from Cuba, Iran and North Korea. We must also bear in mind that the kidnapping-related coverage cannot be claimed if the incident began in Afghanistan, Iraq, Nigeria, Pakistan, Somalia or Venezuela.

How does the medical claim process work?

The claim process in SafetyWing works in much the same way as any other insurance provider. That said, here is a quick breakdown of the key points you should keep in mind.

Step 1: is it an emergency?

First, if your illness or injury is of a serious nature, you should call emergency services depending on the country in which you are located.

If it is not a serious injury and, therefore, you can go to the nearest medical center or hospital, you must log into your SafetyWing account and use the "Find a hospital" option.

The provider has a global network of hospitals, doctors and even medical specialists (such as doctors) within its database. As such, simply enter your exact location and the SafetyWing system will guide you to the nearest center.

If for some reason the system cannot locate a suitable hospital or doctor, you should use the nearest center you can find. Otherwise, you can contact SafetyWing directly through your direct telephone line.

Step 2: show your SafetyWing card

When you arrive at the hospital or medical center, you must present your SafetyWing card as soon as possible. While it is unlikely that the medical provider has heard of SafetyWing, it will at least indicate that you have the travel medical insurance required to pay for your treatment.

This is an additional reminder that you should always carry your SafetyWing card with you. Always prepare for the unexpected!

Step 3: Ask the medical provider about the payment

You should ask if the medical provider can accept payment directly with SafetyWing. This will depend on a variety of factors, such as the respective country, if you are in a hospital or medical center, and the type of treatment you have received.

In an ideal world, the provider will take the claim directly with SafetyWing, which means he will not have to pay it out of pocket. Alternatively, if you must pay the bill yourself before leaving, you will have no choice but to do so.

Step 4: submit the claim to SafetyWing

If you have paid for the treatment yourself, you must submit a claim directly to SafetyWing. You can send an email directly to the claims team at service@hccmis.com, which should describe the details of the treatment, along with the screenshots of the detailed invoice, as well as payment receipts.

Visit SafetyWing

Safety wing

SafetyWing Review

Pros

  • Excellent price
  • Unlimited travel
  • Country of Origin Coverage
  • Subscription Model

Cons

  • No trip cancellation coverage
  • No personal belongings coverage

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Disclaimer: The opinions expressed herein are only those of the author, not those of any bank or credit card issuer and have not been reviewed, approved or endorsed by any of these entities.

Disclaimer: The answers below are not provided or commissioned by the bank advertiser. The responses have not been reviewed, approved or supported by the bank advertiser. It is not the responsibility of the bank advertiser to ensure that all publications and / or questions are answered.

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