SafetyWing Nomad Insurance Complete: An Overview
Are you looking for a health & travel insurance that’s specifically designed for digital nomads, expats and long-term travellers? Then the Nomad Insurance Complete plan by SafetyWing might be a great choice for you.
In this blog post, we’ll take a look at what the SafetyWing Nomad Insurance Complete Plan entails, what kind of plans there are, what they cover exactly as well as what people are saying online about it.
Quicklinks:
What is it?
SafetyWing is a travel and health insurance provider, specifically designed for digital nomads, remote workers, expats and freelancers who travel the world or live in a different country for most or parts of the year.
SafetyWing is a relatively new company, that was started in Norway in 2018 and is headquartered in California. They operate fully remotely, so they understand the needs of nomads and travellers well.
They have a policy for long-term nomads called Nomad Insurance Complete, which is a global health insurance aimed at digital nomads, expats and remote workers, who may reside in different countries or travel regularly. It’s worthwhile to note that health care in your home country is also covered with this specific policy.
Full fledged health insurances for digital nomads that travel often and/or full time is not something you see often yet, as it is quite a new thing. In my personal opinion it’s great - you know that with this insurance you’re covered with most medical checks and health care, and it does not matter where you are. You won’t need to navigate the often complex landscapes of the local health care, wherever you are. On top of that, SafetyWing is very affordable, especially compared to other policies by big insurance corporates.
Now, let’s take a closer look what this health insurance policy consists of! 👀
Difference with a Travel Insurance
The difference with a travel insurance is that the Nomad Insurance Complete plan is a full fledged global health care insurance, though it also includes travel insurance.
Whereas the travel insurance is usually taken for only the duration of your trip, this travel and health care plan is an insurance policy you take for routine and preventative health care as well as complimentary therapies, such as mental health and physiotherapy.
A travel insurance is something you take in case of travel related accidents or emergencies, as well as things like lost luggage or delays in your travel.
🌴 By the way, I also have a blog post on comparing different digital nomad travel insurances, which you can find here.
What does the Nomad Insurance Complete Plan cover?
Nomad Insurance complete covers quite a few things worldwide, and here is a quick overview that I took from the website:
Health
Medical treatment and hospitalisation - includes hospital stays, nursing care, diagnostics like MRI, emergency dental (up to US$1000)
Doctor and specialist visits - e.g. gyneacologist, dermatologist (US$5000 outpatient limit)
Routine checkup and preventative care - e.g. screening and vaccines
Visits with psychologist and psychiatrists - 10 visits per year
Wellness therapies - e.g. chiropractics, dieticians & acupuncture. US$60 per visit and US$5000 outpatient limit.
Maternity care - Routine care during pregnancy, labour, and 30 days after birth. US$2500 limit.
Cancer tests & treatments - Including chemotherapy, radiation, medications and more
Evacuation to a better equipped hospital when you need it
Arrangements in the event of your death - US$100000 for transport
Travel
Travel delay - Costs for unplanned overnight stay. US$60 for 3 hours and US$150 per day for 3 days
Lost checked luggage - US$500 per item
Trip cancellation - Due to factors beyond your control before you left. US$600 per year
Stolen belongings - passport, wallet or burglary while you were out. US$5000 limit
Trip interruption - in case of family death. US$5000 for ticket home
Evacuation from local unrest - US$10000 lifetime maximum
Add-ons
You can also add some add-ons to your plan, such as:
Coverage for travel in Hong Kong, Singapore & the US
Coverage for Electronics theft (not yet available, but it is coming soon apparently)
It’s also worth noting that family members can also be included to the insurance plan.
Prices
Depending on your age group, the price for the Nomad Insurance Complete plan will vary.
Here’s a quick breakdown:
18 - 39: US$150.50 per month (if paid monthly)
40 - 49: US$216.50 per month (if paid monthly)
50 - 59: US$326.50 per month (if paid monthly)
60 - 64: US$586.50 per month (if paid monthly)
The Fineprint
Like with most insurance policies, there are some things that are not covered as there are certain eligibility requirements.
Here’s a quick list of the things I found:
The age limit for the Nomad Health insurance is 64 years
The maximum coverage is $1.5 million USD
US residents are not eligible for this health insurance policy (at the time of writing; this may change at some point)
Pre-existing conditions may not be covered - the eligibility will be reviewed when you submit for the Nomad Health insurance policy.
Even though most countries in the world are covered, there are some that are not covered. So check first if the country you’re traveling and/or are residing in is covered by this insurance.
Note that these are the things I’ve found during my research - there may be other things that apply to you that I may not have listed here, so always make sure to check the full policy yourself.
Also, the policy’s may change over time, so this information is valid at the time of writing.
Making a Claim
Making a claim is easily done via the SafetyWing online portal. You just login, upload the required documents, and evidence such as photos and screenshots and wait to hear back from them.
Here’s what you typically need to make a claim:
Original receipt(s) for proof of payment
Original invoices outlining what each service or item cost
For medical claims:
Medical reports outlining your symptoms, when they started, diagnosis, treatment plan
Any relevant prescriptions or test results
For travel-related claims:
Original and updated itineraries
Proof of any transportation delays or disruptions (e.g., airline confirmations or official notices)
Proof of ownership for lost or stolen belongings
Relevant supporting documents (like police reports or incident reports)
It states on the website that it can take up to 21 business days for the claim to be processed and reimbursed, but most people hear back within a week. It seems their average claim processing time is 4 days.
Reviews: Pros and Cons
Even though I’ve had the SafetyWing travel insurance several times, I’ve never had to make a claim, so in all honesty, I can’t share any personal experiences. However, for the purpose of this blog post, I looked at what people were saying online to see what the general feedback is.
Searching for reviews I mostly looked at Trustpilot where SafetyWing has a rating of 4/5, which I would say is pretty decent.
Most people mention it’s easy to use and that making a claim is straightforward and easy via the online portal. The vast majority definitely seem to have had a positive experience. Reviews mention that the insurance is really good for digital nomads specifically and that the support is really helpful. On top of that, the value for money is great, and that you definitely get your money’s worth.
Some of the more negative comments say that it takes very long for SafetyWing to handle a claim. However, it seems that recently, they’ve been able to shorten their claim time to 4 days, which seems pretty decent to me.
Signing up for the Nomad Insurance Complete Plan
Signing up is pretty easy and only takes a few moments and what I really appreciate about SafetyWing is the easy of use and the quick way to get started.
One thing to note though, is that unlike signing up for their travel insurance, which would mean immediate approval and coverage, every application for the Nomad Insurance complete plan needs to be reviewed before your are ‘accepted’. So they will review if you meet the eligibility requirement for the health insurance.
📝 You can sign up via this link here.
❓Do you have any other questions regarding the Nomad Insurance Complete plan by SafetyWing? Just let me know in the comments!
Disclaimer: Some of the links in this article are affiliate links. This means that, if you buy through my links, I may earn a small commission that helps me create helpful content for the blog and it won’t cost you anything extra either, so it’s a win-win! I only recommend products if I think they will add value, so thanks for supporting Things Nomads Do!
