SafetyWing Travel Insurance: My Honest Review (2025)
What is the SafetyWing travel insurance? Is it legit?
You might be wondering if the SafetyWing travel insurance is legit and if it’s worth getting. I have used SafetyWing insurance before while travelling in Asia and got reimbursed for my claims, so I can definitely say that yes, SafetyWing is legit!
The SafetyWing insurance is one of the most affordable international travel insurance companies and its coverage includes lost checked luggage, stolen items, and emergency medical care. It’s advantage is that you can sign up to it even after you’ve started your trip.
SafetyWing has different prices as per its plans and age groups, and as an example, the Essential Plan costs USD 56.28 for people aged 10-39 for 1 month. You can also sign up for a specific date that fits your exact dates of travel.
To get reimbursed, you have to submit a copy of your payment receipts, invoices, and a medical report detailing the diagnosis, onset date of symptoms, and treatment.
SafetyWing’s most popular plan (Essential Plan) only covers emergency medical treatment, so make sure to get the hospital staff to highlight in the medical report that it was a case of emergency.
Here is everything you need to know about SafetyWing and how to get your claim reimbursed!
What is SafetyWing Travel Insurance?
The SafetyWing travel insurance is one of the most affordable international travel insurance companies that’s coverage includes lost luggage, stolen belongings, and emergency medical treatments.
The advantage of SafetyWing is that you can sign up to it even after you have started your trip, and the reimbursement is usually done in 1 month after you submit your claim.
Is SafetyWing Legit?
You might be wondering, is SafetyWing even legit? The answer is that yes, SafetyWing is legit! I can say from personal experience that I have used it and have gotten reimbursed for medical treatments while travelling abroad!
SafetyWing used to have a USD 250 deductible that meant that you’d not be reimbursed until you reached the USD 250 threshold, and only get any amount reimbursed that went over the initial USD 250.
In 2024, SafetyWing stopped the USD 250 deductible and getting reimbursed is now much better. I would not have recommended it when it had the deductible, but now that the deductible has been removed, it is definitely worth it!
SafetyWing is also the travel insurance I use while living in Nepal, and have so far been able to reimburse my claims. You have to make sure to submit all medical reports, invoices and payment receipts, and usually within 1 month you get the reimbursement.
SafetyWing Pros and Cons
Pros
- You can sign up even after you started your trip
- Affordable (compared to other insurance companies)
- USD 250 deductible was stopped in 2024
- Reimbursement in your choice of currency: It may not include all currencies, but all major ones. I paid for my medical bill in Nepali Rupees, but was able to get my reimbursement in US Dollars.
SafetyWing used to have a USD 250 deductible which meant that you’d only be reimbursed for any amount over USD 250. The initial USD 250 would be on you, and anything above was what you were going to get back.
The USD 250 deductible didn’t make SafetyWing such a good choice if for example your medical treatments cost smaller amount. Then, in 2024 the deductible was stopped and now your medical treatments can be reimbursed without having to hit the USD 250 threshold.
Cons
- Covers up to age 69
- Reimbursement can take up to 1 month: So, the reimbursement can take up to 1 month, but, I found that other insurance companies can also take up to 1 month, so it is not a big deal, just something to consider. If you can get a full medical report that is approved without needing additional information, then the process can be 1 week quicker.
SafetyWing Travel Insurance Coverage
Under SafetyWing, typically the following are covered:
- Medical treatment (under Essential Plan only emergency treatments)
- Lost Checked Luggage
- Travel Delays (costs for unplanned overnight stay)
- Trip Interruption (in case of death in family)
- Evacuation from local unrest
- Injuries from activities and leisure sports (but you have to check that the activity is included in their list of sports)
- Stolen belongings
- Arrangements in the events of your death
The full list of coverage can be found on the SafetyWing website.
Essential Vs Complete Plans
Essential Plan
SafetyWing’s Essential Plan is more affordable, but it doesn’t have a full coverage. For medical treatments, it only includes emergency cases, and issues that only arise while travelling.
So, if you are on the Essential Plan and want to get reimbursed, you really have to make sure your case is an emergency and your medical report also highlights that it was an emergency medical treatment.
Complete Plan
The Complete Plan offers a more thorough coverage, including routine medical care, cancer treatment and mental health support.
It is a bit more expensive, but the advantage is that if you are staying abroad long-term, it covers all medical care.
Prices Per Age Groups
SafetyWing has different prices not just depending on your plan (Essential or Complete), but also depending on your age.
SafetyWing Essential Plan Prices per Month:
- Children under 10: Free but children have to be accompanied by adults under a group policy. You can add max 2 children in one group policy for free.
- Ages 10-39: USD 56.28
- Ages 40-49: USD 92.40
- Ages 50-59: USD 145.04
- Ages 60-69: USD 196.84
SafetyWing Complete Plan Prices per Month:
- Under 18: USD 106.50 (children must be accompanied by an adult on a group policy)
- Ages 18-39: USD 161.50
- Ages 40-49: USD 232.50
- Ages 50-59: USD 351.50
- Ages 60-64: USD 632.50
SafetyWing is mainly targeting the younger travellers and digital nomads, and it only covers ages up to 64 in its Complete Plan, and ages up to 69 on its Essential Plan.
The SafetyWing travel insurance is also called as the “SafetyWing Nomad Insurance” as it suits digital nomads the best.
Apart from the monthly plans, you can also get the travel insurance for a set period to fit the exact dates of your travel. If it’s less than one month, then the price is lower than the prices mentioned above.
✅ Ready to get your travel insurance? Get SafetyWing Here!
Submitting the Claim
You can submit the claim on the SafetyWing platform, and I found it to be a quick and easy process.
You have to log into your account you created when you purchased the SafetyWing policy and then submit your claim.
When submitting the claim, make sure to include a copy of your payment receipt, invoices, and medical report detailing the diagnosis, onset date of symptoms, and treatment.
What to Include in the Claim
To get your claim reimbursed you need to submit the proof of payment (receipts) and a medical report.
You should submit the following documents:
- Medical Report (including the symptoms, onset date of symptoms, diagnosis, and treatment)
- Invoices for treatment, medicine, or doctor’s consultation fees
- Receipts of all payments (doctor consultation, medical treatments/tests, medicine prescriptions)
- Bank account information (the account you want to get reimbursed into)
If you are on the Essential Plan, make sure that when the hospital staff prepares your medical report, they highlight that it was an emergency treatment.
Even if it is obviously an emergency treatment, the staff at the hospital should write down and detail that it was an emergency treatment in the medical report – it ensures that you get your reimbursement approved.
It’s usually your doctor or an admin staff that prepares your medical record and ask them to highlight that it was a case of emergency as your travel insurance company only approves claims that are considered an emergency.
When preparing the medical report, get the doctor or admin staff to include the following information in your medical report:
- What happened: It’s important that you give as much detail as possible and highlight why it is an emergency! Include what happened/what is the medical issue, how it is affecting you.
- When it happened: In the medical report, it also must be mentioned when your symptoms started. Make sure that the exact date is written (e.g. 10 April 2025), preferably max 1 day before your treatment. The best is if you get the treatment the same day your symptoms/emergency start.
- Diagnosis + treatment plan: The medical report should also include the diagnosis by your doctor and the treatment you received.
After you receive your treatment, make sure that the medical report you receive includes all the information needed for the reimbursement. Otherwise, SafetyWing asks you to provide further information in order for your claim to be approved.
In case, you have missing information when you submit the claim, then you either have to go back to the hospital to get the additional report or try to get the hospital to email you the additional report.
Usually, SafetyWing takes up to 3 days to review your claim, and so if they tell you to provide additional info a couple of days after you submit the claim, it can be difficult to get the additional medical reports.
How to Get the Claim Approved
Firstly, to get your claim approved, it has to be a claim that is valid under their coverage. If that fits, you still have to make sure that your medical report fully details your medical diagnosis and treatment.
When I had a dental emergency, the initial medical report I received wasn’t detailed enough and had to go back to the dental clinic to get a medical report that is more detailed.
To get the claim approved under the Essential Plan, it is also important that your case of medical emergency is highlighted. Your doctor has to highlight it in detail that it was an emergency, the pain you had and how it affected you.
The claim also has to include the date your symptoms started. As SafetyWing reimburses emergency cases, the date your symptoms started has to be mentioned – typically 1 day before or the same day you received the treatment.
Reimbursement
The whole process to be reimbursed by SafetyWing can take up to 1 month. This includes the initial review of your claim, and whether you need to provide additional information about your diagnosis and treatment.
Once SafetyWing approves your medical reports, then you have to confirm your bank account details for reimbursement. After you confirm your payment details, it takes around 1 week to receive the reimbursement.
How Does SafetyWing Compare to Other Travel Insurance?
SafetyWing stands out among other travel insurance companies as more affordable.
However, it is only SafetyWing’s Essential Plan that is more affordable than other international travel insurance. While the Essential Plan has a wide coverage, when it comes to medical treatments, it only covers emergency medical cases.
So, while the Essential Plan of SafetyWing is very affordable, in order for you to be reimbursed for medical treatments, it has to fit the criteria that it was an emergency.
As for lost luggage or travel delays, it works like other travel insurance companies and you get the reimbursement as long as you have the supporting documents.
SafetyWing Travel Insurance Review: My Final Verdict!
After having personally used the SafetyWing travel insurance and getting reimbursed, I can definitely say that it is legit and definitely worth it!
When travelling abroad, you never know what emergencies may arise, and SafetyWing offers an affordable solutions for travel and medical emergencies.
It has a wide-range of coverage for travel, but when it comes to medical treatments, it mostly only covers emergencies. So, if you are under the Essential Plan, make sure your medical report clearly states that it was an emergency treatment.
As long as you have your documents needed (invoices, receipts of payment, and a detailed medical report), you should get reimbursed within 1 month of submitting your claim.
✅ Check prices and get SafetyWing here!
FAQs: SafetyWing Review
What is SafetyWing Travel Insurance?
The SafetyWing travel insurance is one of the most affordable travel insurance companies that covers your trip, including lost luggage, stolen belongings, and emergency medical treatments.
The advantage of SafetyWing is that you can sign up to it even after you have started your trip, and the reimbursement is usually done in 1 month after you submit your claim.
How much does SafetyWing travel insurance cost?
SafetyWing travel insurance has different prices for its different plans and for age groups.
Within its Essential Plan, it has the following prices:
- Children under 10: Free but children have to be accompanied by adults under a group policy. You can add max 2 children in one group policy for free.
- Ages 10-39: USD 56.28
- Ages 40-49: USD 92.40
- Ages 50-59: USD 145.04
- Ages 60-69: USD 196.84
Is there a deductible for SafetyWing?
No, there is no deductible for SafetyWing anymore. It used to have a USD 250 deductible but it was cancelled in 2024. You can now get reimbursed much easier by SafetyWing.
Conclusion
You might be wondering if the SafetyWing travel insurance is legit and if it’s worth getting? I have used SafetyWing insurance before while travelling in Asia and also got reimbursed for my claims, so I can definitely say that yes, SafetyWing is legit!
The SafetyWing insurance is one of the most affordable insurance companies and its coverage includes lost checked luggage, stolen items, and emergency medical care. It’s advantage is that you can sign up to it even after you’ve started your trip.
SafetyWing has different prices as per its plans and age groups, and as an example, the Essential plan costs USD 56.28 for people aged 10-39 for 1 month. You can also sign up for a specific time, that fits your exact dates of travel.
To get reimbursed, you have to submit a copy of your payment receipt, invoices, and a medical report detailing the diagnosis, onset date of symptoms, and treatment. Safetywing’s most popular plan (Essential Plan) only covers emergency medical treatment, so make sure to get the hospital staff to highlight in the medical report that it was a case of emergency.
