Travel Insurance SafetyWing: A Must For Traveling

Travel insurance SafetyWing provides a safety net for unforeseen circumstances that may disrupt or negatively impact your travels. I have traveled the world, and I have always made sure that I had my trip covered, no matter what. It’s the type of thing you pay for but hope you never have to use (like car insurance!). Travel insurance with SafetyWing is a great option.

Disclaimer: This post may include affiliate links. If you click one of them, I may receive a small commission at no extra cost to you.

What Does Travel Insurance Cover?

• Medical Emergencies: If you fall sick or get injured while traveling, especially in a foreign country, medical expenses can be exorbitant. Travel insurance can cover medical treatments, hospital stays, and even medical evacuation back to your home country.
• Trip Cancellation or Interruption: If you have to cancel or cut short your trip due to unforeseen circumstances like illness, death in the family, or other emergencies, travel insurance can usually reimburse you for portions of your trip.
• Loss or Delay of Baggage: If your luggage gets lost, stolen, or delayed, travel insurance can compensate you for the inconvenience, helping you replace essential items or even providing a payout for permanent loss.
• Travel Delays: If your flight gets delayed or canceled, travel insurance can cover additional accommodation and meal expenses.
• Activity Coverage: If you’re participating in activities that have a higher risk factor (like skiing or scuba diving), some travel insurance policies can provide coverage for potential accidents related to these activities.
• Return Back Home: In extreme cases, like a severe medical emergency or even death, travel insurance can cover the costs of returning the insured to their home country.
• Natural Disasters and Political Unrest: If your destination experiences a natural disaster, terrorist attack, or political upheaval, travel insurance can assist with costs related to altering your travel plans or getting you to safety.
• Mandatory Requirement:Some countries and specific types of visas require travelers to have valid travel insurance as a condition of entry or approval, like Sri Lanka, Cuba and Bermuda.
• Peace of Mind: Knowing you’re covered for various unforeseen circumstances, so you  can relax and enjoy your trip more fully.

Why Choose SafetyWing?

SafetyWing Travel Insurance is a relatively new travel insurance provider in the market, but the services they provide are on par. Their Nomad Insurance is a policy covering medical emergencies, evacuation, trip delays, and lost luggage. What makes them different?

• The policy states the minimum days is 28 days. “But I’m only traveling for 10 days!” 28 day coverage will very likely cost you the same or less than some providers for 10 days. 
• You can get a monthly subscription or an annual subscription and you can cancel at any time. 
• One child per adult is covered for free
• It covers Co-vid related expenses 
• Additional insurance available for adventure sports like skiing or skydiving
• Optional coverage for electronics theft, for trips over 28 days

Ready to check it out? Click here:

What Medical Coverage Do You Get?

Max Limit

$250,000 

Deductible

$250

Medically necessary treatment of unexpected illness or injury (inpatient or outpatient)

Up to max policy limit

Ambulance and emergency transportation

Up to max policy limit, when covered illness or injury results in hospitalization

Emergency transportation to a better equipped hospital (medical evacuation)

Up to $100,000 lifetime max, or up to $25,000 in relation to a pre-existing illness or injury

Emergency dental treatment

Up to $1,000 in relation to acute onset of pain as long as you seek treatment within 24 hours of the pain starting

All other benefits

Up to the overall max limit

What Travel Coverage Do You Get?

An unforeseen event in your home country for which you to need to go home (trip interruption)

Up to $5,000

Unplanned overnight stay

Up to $100 per day for up to 2 days

Lost luggage

Up to $3,000 per active insurance period, $500 per item. (Up to $6,000) lifetime max.

Accommodation in a different place if a natural disaster causes evacuation

Up to $100 a day for up to 5 days

Evacuation from local political unrest

Up to $10,000 lifetime max

Personal liability

Up to $25,000 lifetime max for third person injury or property, and up to $2,500 for related third person property.

If you die:

Arrangement for your body (burial or repatriation of remains)

Up to $20,000 for transportation or up to $10,000 for local burial

Cash payout to your beneficiary (accidental death)

Up to $25,000. Your death has to be the sole and direct result of bodily injury caused by external, violent and visible means

When considering travel insurance SafetyWing is a great option. It is essential to read the fine print, understand what is covered and what is not, and choose a policy that fits the nature of your trip and the risks you might encounter.

It’s always a balance between the cost of the insurance and the potential financial risks you’re willing to bear. I highly recommend travel insurance, SafetyWing.