SafetyWing Travel Insurance: Picking the Perfect Plan for You!

Hey there, fellow travelers! Whether you're jet - setting to Europe for a two - week jaunt or plotting an epic round - the - world escapade, travel insurance is a must - have. I know, I know, it's not exactly the most thrilling topic to read about, and yep, it'll add a bit to your travel fund. But trust me, after nearly two decades of globetrotting, I've learned the hard way just how crucial it is.

I've had my luggage go MIA, blown an eardrum (ouch!), and even got stabbed (yikes!). And let's not forget the countless flight delays and cancellations. Without travel insurance, I'd be out thousands and thousands of dollars. Thank goodness I had it! It was like having a travel - savvy buddy to help me through those rough patches and keep my wallet from crying.

These days, SafetyWing is my top - pick travel insurance company. I've been using them for years, and I'm sold on their super - affordable plans, their friendly and fast customer service, and their coverage that hits all the right spots for my travels.

Right now, SafetyWing offers two plans for us wanderlusters:

• Nomad Insurance Essential

• Nomad Insurance Complete

Both are great, but they're tailored for different types of travelers. In this post, I'll break down what each plan covers and who it's best for, so you can make the right call for your next adventure.

Table of Contents

The SafetyWing Essential Plan

This is SafetyWing's main travel insurance offering. It's like the budget - friendly superhero for travelers who want basic coverage without breaking the bank. This is the plan I reach for these days when I'm on the move.

For travelers aged 10 - 39, it's a steal at just $56.28 USD for 4 weeks! That's way cheaper than what most other companies offer. In fact, similar plans from others can be double or more. And it's suitable for travelers up to age 69, though those 60 - 69 will pay $196.84.

Here's a quick look at what the Essential plan covers:

• A cool $250,000 for emergency medical treatment and hospital stays

• $100,000 for medical evacuations

• $250,000 for motor accidents

• Up to $3,000 for lost luggage (with a $500 limit per item)

• $10,000 for evacuation due to political unrest

• $5,000 for trip interruptions

• $200 for travel delays ($100 per day for two days)

They also have three nifty add - ons:

• Coverage for adventure sports (for those adrenaline junkies out there)

• Coverage if you're visiting the US

• Coverage for electronics theft

I love that these are add - ons because not everyone needs them. For me, I always need that extra electronics coverage, but adventure sports? Nah, I'm more of a chill traveler. This way, I can customize the plan to fit my travel style.

Who is the Essential Plan For?

SafetyWing's primary plan is a hit with a bunch of different travelers. Here are the types I think it's perfect for:

• Backpackers: If you're a budget - conscious traveler, this is the best travel insurance plan out there. It's what I use because it's affordable, but still covers all the big, scary emergencies. For just a couple of bucks a day, you're covered without emptying your piggy bank.

• Budget & Mid - range Travelers: Planning a few - week trip to Europe or a relaxing Caribbean getaway? This plan's for you. It balances cost with emergency coverage, and even throws in some protection for things like flight delays and cancellations.

The SafetyWing Complete Plan

The Complete plan is like a Swiss Army knife for digital nomads, remote workers, and long - term travelers. It's got your standard emergency coverage (similar to the Essential plan), but it also includes non - emergency coverage. It's like having your home - country health insurance with you, no matter where you are in the world.

For travelers aged 18 - 39, it costs $150.50 for 4 weeks and is available for travelers up to age 64.

Here's what it covers for emergencies:

• A whopping $1,500,000 for medical emergencies

• $100,000 for medical evacuations

• $1,500,000 for motor accidents

• Up to $3,000 for lost luggage ($500 per item)

• $10,000 for evacuation due to political unrest

• $5,000 for trip interruptions

• $150 per day for travel delays (up to three days), and $60 for delays over three hours

• $100,000 for accidental death

Overall, the emergency coverage is similar to the Essential plan, but with more oomph and higher limits.

And here's a peek at the "standard healthcare" coverage:

• $5,000 for doctor visits (dermatologist, gynecologist, etc.)

• $300 for routine check - ups

• 10 psychologist or psychiatrist visits per year

• $1,500,000 for cancer treatment

• $2,500 for maternity care

• $5,000 for wellness treatment

• $5,000 for stolen belongings

The Complete plan is way more comprehensive than the Essential plan. I wish I had this when I first started full - time backpacking. If I were working remotely overseas full - time, this would be my go - to.

Plus, new conditions like diabetes or asthma are covered under the Complete plan (under Essential, they're pre - existing conditions). That's a huge plus that not many other companies offer.

One thing to note, though. Unlike the regular travel insurance, applicants for Nomad Insurance Complete need to be approved. You can't just click - buy and go. The insurance team has to review your application, medical history, and pre - existing conditions. They might even ask for more medical notes. I get why they do it, considering the global cost of healthcare, but it's a bit of a bummer for some.

Who is the Complete Plan For?

SafetyWing's Complete plan is a match made in travel - heaven for three types of travelers:

• Long - Term Travelers: Planning to be on the road for a year or more? This is your plan. It's got you covered for emergencies and routine check - ups. And those higher coverage limits for delays and cancellations are a must for frequent flyers.

• Digital Nomads: If you're traveling and working, you'll want high - limit emergency coverage. And the wellness coverage in the Complete plan is a nice bonus.

• Expats: Living abroad for part or all of the year? You'll need both emergency and regular check - up coverage. And if you're in a more unstable region, that evacuation coverage is a lifesaver.

I never leave home without travel insurance. For just a few dollars a day, you're not only saving your bank account from a meltdown in case of an emergency, but you're also getting that sweet peace of mind, knowing you've got backup if things go south.

Whether you're a budget - backpacking newbie or a seasoned digital nomad in need of top - notch healthcare, SafetyWing has your back.

Use the widget below to get a free quote:

Book Your Trip: Logistical Tips and Tricks

Book Your Flight

Find a cheap flight with Skyscanner. It's my favorite search engine because it leaves no airline or website unturned. It's like having a travel genie find you the best deals!

Book Your Accommodation

Book your hostel with Hostelworld. If you're looking for something other than a hostel, Booking.com is your best bet. It always gives the cheapest rates for guesthouses and hotels.

Don't Forget Travel Insurance

Travel insurance is your safety net against illness, injury, theft, and cancellations. I've used it many times, and I never travel without it. Here are my favorite companies:

• SafetyWing (great for budget travelers)

• World Nomads (perfect for mid - range travelers)

• InsureMyTrip (for those 70 and over)

• Medjet (for extra evacuation coverage)

Want to Travel for Free?

Travel credit cards are the way to go! Earn points that can be swapped for free flights and accommodation, all without extra spending. Check out my guide to picking the right card and my current favorites to start saving.

Need a Rental Car?

Discover Cars is an international car rental website that won't break the bank. Wherever you're going, they'll find you the best and cheapest rental.

Need Help Finding Activities for Your Trip?

Get Your Guide is like a treasure trove of cool activities. Walking tours, fun excursions, skip - the - line tickets, private guides - you name it, they've got it.

Ready to Book Your Trip?

Check out my resource page for the best companies to use when you travel. I use these guys myself, and they're the best in the biz. You can't go wrong!