SafetyWing: Essential or Complete – Which Plan Is Better?

Traveling can be unpredictable, and having the right insurance is essential for peace of mind. SafetyWing offers two standout plans: Essential and Complete, designed to cover different needs for travelers and digital nomads. But are they worth it? In this article, we’ll break down the features, benefits, and differences between these plans, sharing why SafetyWing has become one of our favorite travel insurance providers. Whether you’re planning a short trip or a long-term adventure, this guide will help you choose the best option for your journey.

What is SafetyWing? Is it a reliable company?

SafetyWing is a travel insurance provider focused on digital nomads and long-term travelers. It offers flexible and affordable plans, including medical coverage, trip interruption, and evacuation services. With its borderless approach, SafetyWing is designed to meet the needs of travelers from over 180 countries. Its reliability stems from its comprehensive coverage options, transparent policies, and strong reputation in the digital nomad community, making it a trusted choice for those seeking global protection.

SafetyWing Essential Plan: Benefits and coverage

The SafetyWing Essential Plan offers essential medical coverage while traveling abroad, including hospital stays, nursing care, emergency dental, and evacuation services. It provides a US$250,000 overall limit and covers trip interruptions and delays. Additional options include coverage for adventure sports and electronics theft. While it includes limited coverage at home, it ensures comprehensive protection for global travelers, offering flexibility and affordability for those on the go.

safetywing discount code
safetywing discount code
  • Global Coverage: Medical emergencies, hospitalization, and repatriation covered worldwide.
  • Flexibility: Monthly subscription that can be paused or canceled anytime.
  • Affordable Plans: Competitive pricing, designed for long-term travelers and digital nomads.
  • Additional Services: Includes telemedicine, mental health support, and 24/7 customer service.
  • Emergency Coverage: Up to $250,000 for medical treatment, hospitalization, and more.

Essential Plan Pricing

The SafetyWing Essential Plan has a standard cost of $56.28 every 4 weeks for individuals aged 10-39. The cost increases as follows for those above 39, with brackets every 10 years, and the maximum age for coverage is 69 years. Additional coverage options include:

  • US coverage: $48.16
  • Adventure sports: $10.00
  • Electronics theft: $10.00

These can be added to the base plan for more tailored coverage. The plan is flexible, allowing cancellation at any time.

SafetyWing Complete Plan: Advantages over Essential Plan

The SafetyWing Complete Plan offers more comprehensive coverage compared to the Essential Plan. It includes higher overall limits (up to $1,500,000), ongoing coverage for new conditions, and no coverage restrictions at home. Additionally, it covers routine healthcare, mental health support, maternity care, and preventive check-ups, which are not included in the Essential Plan. The Complete Plan also offers more extensive travel coverage, including trip cancellation, stolen belongings, and higher compensation for travel delays.

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Why the Complete Plan is our favorite option

The SafetyWing Complete Plan is our favorite because it offers comprehensive and ongoing coverage for both medical emergencies and routine healthcare. With a higher coverage limit, including mental health support, maternity care, and preventive services, it provides peace of mind for long-term travelers. Its flexibility and broader range of benefits, including coverage at home and additional travel protections, make it the ideal choice for those seeking extensive and reliable insurance while abroad.

Complete Plan Pricing

The SafetyWing Complete Plan starts at $150.50 per month for individuals aged 18-39, offering comprehensive coverage that includes emergency medical treatment, hospitalization, mental health support, maternity care, and more. Adding coverage for the USA, Hong Kong, and Singapore costs an additional $113.00 per month. The plan also offers flexibility with monthly payments and the option to cancel or pause anytime.

For individuals aged 39 and above, the cost of the SafetyWing Complete Plan increases based on age brackets every 10 years. The maximum age for enrollment is 64 years old. As you move into higher age groups, the premium cost adjusts accordingly.

Are there any SafetyWing discounts you can take advantage of?

If you choose to pay annually for the SafetyWing Complete Plan, which is our favorite option, you can take advantage of a 10% Safetywing discount on the total cost. This makes it more affordable choice for those looking for comprehensive coverage while traveling. The annual payment option is a great way to save money while enjoying extensive protection for your health, travel, and more, all without the hassle of monthly payments.

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