If you’re reading this article, you’re probably wondering if you should get SafetyWing travel insurance for your upcoming trip. In my experience, it’s always worth it. This is coming from someone who’s gotten into a motorbike accident and lost teeth in Indonesia, broken an ankle while solo hiking in Australia, and needed a helicopter rescue from the 5th highest mountain in the world.
Why Should You Get SafetyWing Travel Insurance?
Even if you’re not an adventure sports enthusiast, even if you’re traveling to see the cherry blossoms in Japan or touring art museums in Paris, it’s always worth it to travel with peace of mind. I can enjoy my adventures fully knowing that I’m covered if the worst were to happen.
I happened to be subscribed to SafetyWing’s Travel Insurance when I broke my ankle solo hiking Australia’s highest peaks. Afterward, I successfully claimed my surgery and emergency medical bills.
My wife also suffered a freak accident at the beach that caused permanent bruising on her spinal cord. The accident required an emergency spinal fusion to stabilize her condition. SafetyWing covered that too (and sent her flowers). If you need more reasons to book their travel insurance, I’ll explain fully below.

What is SafetyWing Nomad Insurance?
SafetyWing is a travel medical insurance provider created for remote workers and businesses. They aim to build a global safety net encompassing travelers, digital nomads, and remote teams. As someone who spent 10 years on the road, I appreciate their offering of both Essential and Complete coverage plans, regardless of geographical borders.
SafetyWing’s travel medical insurance is both affordable and flexible. You can choose when to start and end your coverage, even after your trip abroad has begun. You can also add on extras like electronics theft coverage or adventure sports coverage. You can choose an end date for your policy, or subscribe to the service, with renewals occurring every 28 days for the next year.

SafetyWing Nomad Insurance: Essential vs Complete Plans
Safetywing Nomad Insurance currently comes in two versions, Essential and Complete. The Essential Plan is typically what most travelers would purchase for a one-off trip, while the Complete Plan is better for longer travels, digital nomads, and people who simply prefer more coverage. The Complete Plan is a great choice if you’re in need of comprehensive health care.

SafetyWing Nomad Insurance: Essential Plan Coverage
SafetyWing’s Essential Plan is what I use anytime I’m traveling internationally. The Essential plan offers coverage for unexpected medical issues while abroad. This includes a US $250,000 overall limit and standard travel coverage for events like trip interruptions and travel delays.

What’s covered, up to the limits above:
- Medical treatment for unexpected injuries
- Emergency dental
- Hospitalization
- Ambulance
- Diagnostics
- Motor accidents
- Injuries from leisure sports
- Lost checked luggage
- Trip interruption
- Travel delay
- Evacuation from local unrest
- Arrangements upon death
What’s not covered:
- Preexisting conditions
- Cancer
- Maternity care
- Routine medical care, ie. vision & dental
- People aged 70 and over
- Limited coverage for visits to your home country or the US
I highly recommend booking SafetyWing Nomad Insurance’s Essential Plan if you’re planning a trip abroad. If you don’t want to subscribe, you can set the exact dates of your travels and enter the countries you plan to visit for exact coverage. This flexibility is one of the reasons I love Nomad Insurance.

SafetyWing Nomad Insurance: Complete Plan Coverage
SafetyWing’s Complete Plan offers upgraded coverage that’s great for long-term travel and digital nomads. It’s a solid stand-in for the comprehensive health coverage you’d expect from most developed countries. I say this because the complete plan features a US$1,500,000 overall limit, and includes all the items covered in the Essential Plan, plus routine and preventive care, cancer treatments, maternity care, and wellness therapies.

What’s covered, up to the limits above:
- Medical treatment for unexpected injuries
- Emergency dental
- Hospitalization
- Ambulance
- Diagnostics
- Motor accidents
- Injuries from leisure sports
- Lost checked luggage
- Trip interruption
- Travel delay
- Trip cancellation
- Stolen belongings
- Evacuation from local unrest
- Arrangements upon death
- Doctor & specialist visits
- Routine checkups and preventative care
- Wellness therapies with a $60 co-pay
- 10 psychologist/ psychiatrist visits per year
- Cancer tests & treatments
- Maternity care
What’s not covered:
- Preexisting conditions
- People aged 64 and over
- Covered treatments over the set maximum limits
SafetyWing Travel Insurance: My Experience
In the last few years, my wife and I have both had significant accidents while traveling. Luckily, both times, we were subsrcibed to SafetyWing Travel Insurance. In 2021, I was solo hiking a loop around Australia’s highest peaks when I hurt my ankle while attempting to jump across a river. I summited Kosciuszko, Australia’s contested Seventh Summit with a broken ankle and very tightly laced boots.

After hiking the 20km back to the car and driving myself to the hospital, I learned I had broken my ankle. I wound up having an ankle reconstruction surgery to the tune of $7,000 AUD.
This was easily the most expensive medical bill I’d ever had, but luckily, I was on SafetyWing’s travel insurance. I submitted the claim after receiving my final invoice, and within 6 weeks, my claim had been processed and paid out completely. It was about the time I took to get off my crutches.

Partially because my SafetyWing Travel Insurance claim was successful, and partly because it was a great gig, my girlfriend at the time applied for the SafetyWing Dream Job. She got the job, traveling to digital nomad destinations around the world as their nomadic content creator.
However, right as her trip came to an end, she suffered a freak accident at the beach that left her with permanent spinal cord bruising and a herniated disk. She had a surgery that would’ve cost over $100,000 in the US for less than $4,000 in Australia. And the best part? SafetyWing covered that too.

Conclusion: My Honest Review of SafetyWing Travel Insurance
Considering my wife and I have both successfully filed claims through SafetyWing for major accidents, I highly recommend SafetyWing Travel Insurance to travelers looking for peace of mind. Given its flexible plans, affordable products, and both Essential and Complete coverage, it’s one of my favorite travel insurances. I also love that you can add adventure sports coverage (just make sure your activities are covered)!
Its simple claims process, global coverage, and 24/7 live support are additional reasons to book SafetyWing travel insurance for your next trip. Whether you’re seeking comprehensive health coverage as a remote worker or booking a 1-week holiday abroad, SafetyWing is an excellent addition to your travel adventures.
