Assessing the Value of SafetyWing: A Comprehensive Review

SafetyWing stands out as a favored choice among nomads, providing insurance tailored to the requirements of remote workers and individuals engaged in long-term travel.

In this comprehensive review, we aim to evaluate and present our findings regarding SafetyWing's Nomad Insurance. Our analysis will encompass a detailed exploration of the coverage it offers, including the inclusions, exclusions, the claims procedure, and a comparative analysis against other insurance providers.

Who is SafetyWing?

Exploring SafetyWing: Tailored Travel Insurance for Digital Nomads and Long-Term Travelers”

SafetyWing specializes in providing travel insurance uniquely designed to meet the distinctive needs of digital nomads and individuals engaged in long-term travel. Their offerings primarily consist of two key policies: Nomad Insurance and Remote Health.

Nomad Insurance encompasses coverage for medical emergencies, evacuation, trip delays, and lost luggage, catering to various travel-related contingencies. On the other hand, Remote Health offers a more extensive health insurance policy that encompasses a broad spectrum of medical treatments.

This review will focus primarily on SafetyWing's Nomad Insurance, their flagship and widely favored product.

How Does SafetyWing Work?

how Safetywing Nomad Insurance works

SafetyWing's Nomad Insurance follows a subscription-based payment structure, billing policyholders every 28 days.

This payment model offers flexibility, particularly for individuals uncertain about their travel duration. It allows for convenient cancellation without incurring penalties, catering to those with evolving travel plans.

Distinguishing itself from other providers in the digital nomad insurance sphere, SafetyWing permits policy initiation even after travelers have commenced their journey abroad. This feature is advantageous for individuals who may overlook purchasing insurance before their trip or decide to extend their stay. As digital nomads, flexibility is crucial due to our tendency to frequently alter plans, making this option particularly appealing.

What Does SafetyWing Cover?

SafetyWing's Nomad Insurance provides coverage for various scenarios, such as:

  • Emergency medical care and hospitalization.
  • Emergency dental treatment.
  • Medical evacuation during emergencies.
  • Trip interruption in the event of a family member's demise.
  • Accidental death and dismemberment.
  • Loss of checked luggage.

What's Not Covered in SafetyWing's Nomad Insurance?

Despite offering comprehensive coverage, SafetyWing's insurance policy includes specific exclusions:

  • Pre-existing medical conditions.
  • Routine check-ups and preventive healthcare services.
  • Coverage for cancer treatments.
  • Injuries incurred during specific adventure sports.
  • Exclusion of travel to Iran, North Korea, and Cuba from coverage.
  • Loss or theft of personal belongings.

How to Make a Claim With SafetyWing

Initiating a claim for SafetyWing's Nomad Insurance involves a simple and clear process, which includes the following steps:

  • Complete the claim form online or download it and submit it via email or postal mail.
  • Attach original itemized bills, receipts, and proof of payment related to the claimed expenses.
  • Ensure the inclusion of your policy number and contact details on the claim form.
  • Submit your claim within 60 days from the service date or as promptly as feasible.
  • Upon submission, you will receive a confirmation email acknowledging receipt and processing of your claim.

Track the claim status online or connect with the claims team via chat, phone (+1 415 802 0299), or email (support@safetywing.com) for further assistance.

How To Check Your SafetyWing Claim Progress

The claims processing duration for submissions via DocuSign typically ranges from 30 to 45 business days, excluding weekends and US holidays.

Notably, updates on claim progress are not communicated via email. Members can exclusively access and track claim information through the Member Portal. Upon logging in, users will encounter a dedicated button leading to the “Claims and Appeals” tab. Here, any updates related to ongoing claims will be available at the bottom of the page.

If the status reads as “No claims started” or “Open,” it signifies that the claim remains under processing. Members should anticipate waiting up to 30-45 days before any updates are reflected in the portal regarding the claim's status.

Does SafetyWing Travel Insurance Cover COVID-19?

SafetyWing's policy regarding COVID-19 coverage treats it similarly to any other illness, given it was not contracted before the policy commencement date. However, COVID-19 test expenses are not covered by the policy unless considered medically necessary by a physician.

Moreover, SafetyWing provides partial coverage for quarantine expenses if the quarantine has been mandated by a physician or government authority.

SafetyWing Pricing

safetywing pricing

SafetyWing's pricing varies based on the policy chosen, the individual's age, and whether the policy includes travel to the United States.

Age Group Coverage Excluding US (4 Weeks) Coverage Including US (4 Weeks)
10-39 $45.08 $87.44
40-49 $89.68 $173.60
50-59 $128.00 $249.28
60-69 $183.68 $356.72

The Claims Process for Safety Wing

The claims process with SafetyWing is hassle-free, adding to the reasons why we admire their services.

To initiate a claim, log in to your SafetyWing account and select the “Submit a Claim” option. This action redirects you to a Docusign form, which necessitates completion.

Upon submission, an immediate confirmation email from Docusign is dispatched. You can subsequently track the progress of your claim through WorldTrip’s Member Portal.

This continuous update system throughout the claim procedure ensures you are informed at various stages, offering transparency beyond mere acceptance or rejection notifications.

Safety Wing Customer Service

One standout aspect of SafetyWing that we truly appreciate is its exceptional customer support.

Their customer service is incredibly accessible, ensuring prompt responses whenever we reach out for assistance. Before visiting a healthcare provider, I often contact their customer support to inquire about the requirements for claiming that specific scenario. This proactive approach helps me prepare adequately before my medical appointment.

Fortunately, we haven't needed to file any claims with SafetyWing yet. While inquiring about a potential dental treatment claim, we sought clarification from their customer service team, learning that our treatment didn't meet the emergency dentist clause criteria.

However, we've witnessed numerous instances where our friends utilized SafetyWing's services during the initial outbreak of Covid-19. Many received full coverage for repatriation flights back to their home countries from various regions across the globe.

FAQ on SafetyWing Insurance

Is SafetyWing insurance legit?

YES, SafetyWing is a legit insurance company that operates under Tokio Marine HCC. We use them and love the ease of use/availability of monthly payments

Where can I travel with SafetyWing?

When you get SafetyWing coverage, you are covered for travel anywhere in the world outside of your home country, except *Cuba, Iran, Syria, and North Korea. You are only covered in your home country for 30 days and 15 days if you’re from the US.

Can I buy this insurance while I’m already abroad?

While some insurance providers require you to get insurance while you’re in your home country, you can get SafetyWing coverage wherever you are. This makes it ideal for frequent travelers and digital nomads.

Does SafetyWing cover COVID-19?

The great thing about SafetyWing is that it works the same as any other illness as long as it was not contracted before your coverage start date, and does not fall under any other policy exclusion or limitation.
Make note that Testing for COVID-19 will only be covered if deemed medically necessary by a physician. The antibody test is not covered, as it is not medically necessary.

If you have Nomad insurance, quarantine is now also covered outside your home country of $50/day for up to 10 days (with the limitation of being once within 364 days)

 

 

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