SafetyWing’s most recent Nomad 2.0 insurance is one of the best, most comprehensive, and most flexible travel medical insurances I know of. In this short guide, I want to share the reasons I believe is worth it and all the cool features and new additions.
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Is Travel Medical Insurance Necessary?
I’ve been traveling nearly full-time for over two years now and extensively for the past decade. Now, I hope these won’t be the famous last words, but I never had any major medical or travel-related issues, although I had a few close calls. Like the time I got sick in Mexico or when I got injured while walking the Camino. They were minor issues that didn’t require hospitalization, but things could have gone worse, and I’m glad I was always prepared for it. I guess that’s why they didn’t get worse.
One thing I firmly believe in is that the one time you’re not prepared, something will happen. You know, like when you always carry an umbrella and it never rains, but the one time you forget it, it pours. That’s how I feel about having travel insurance. I still fail to carry an umbrella, but I never travel without insurance.
Another thing that I am always careful about when I travel is keeping my electronics safe. Since I carry my laptop wherever I go, I always half-jokingly say that my whole life is in there. Without my laptop, I couldn’t get my work done and keep traveling, so it’s not so much of an exaggeration.
Having electronic insurance gives me peace of mind. If anything were to happen to my laptop, I know I can get reimbursed for it. And since I always travel on a tight budget, that makes a huge difference!
Okay, now that I’ve told you why having travel insurance is important to me, let me tell you more about SafetyWing’s Nomad 2.0 Insurance. But before I move on, I want to make it clear that I partnered with SafetyWing, so I may receive a commission if you buy through the links in this article. This has no extra cost for you. I was familiar with SafetyWing before this partnership and I would recommend it regardless of any commission.
What is SafetyWing’s Nomad 2.0 Insurance?
SafetyWing Nomad Insurance is a travel medical insurance for people spending significant time traveling outside their home country. The policy covers travel nearly anywhere in the world, except for sanctioned places (by the UK, EU, and UN).
Nearly anyone can get SafetyWing travel medical insurance, and it allows to extend insurance to a friend, family member, or group member. Additionally, it includes insurance for one child per adult at no extra cost (limitations apply).
The Nomad 2.0 Insurance includes coverage for medical assistance and travel disruption. I’ll include some of the most popular features below.
SafetyWing Travel Coverage
SafetyWing’s Nomad Insurance provides coverage for an extensive list of travel issues, including:
- Lost checked luggage (up to
- Unplanned overnight stay
- Trip interruption (having to return to your home country unexpectedly)
- Accommodation in case of evacuation due to natural disaster
- Evacuation from local political unrest
- Personal liability
Note: be sure to check the coverage limits for each type of travel issue. I haven’t included these, but you can find everything on the Nomad 2.0 overview page and in the full policy.
SafetyWing Medical Coverage
Here are a few features of SafetyWing’s medical coverage, which applies to accidents or illnesses outside your home country:
- Coverage for necessary medical treatment or unexpected illness or injury
- Ambulance and emergency transportation
- Emergency dental treatment
- Maximum limit of $250,000 or $100,000 for WorldTrips policyholders over 65
- 250$ deductible for the entire insurance period, which can go up to 364 days
Note: specific limitations and rules apply, so always check the full policy for more details. Pre-existent diseases or injuries, for instance, are not covered.
Nomad 2.0 New Features
Nomad 2.0 is the newest version of SafetyWing’s Nomad Insurance and includes a few really cool new features that I’m excited about.
- Adventure sports: you can get coverage for over 30 adventure sports, including scuba diving, quad biking, motorbiking, and more.
- Theft of electronics: you can get up to US$1000 of reimbursement per item if an electronic device is stolen, including your laptop, phone, or camera.
- Improved claims experience: with the new version, the claims process is smoother, faster, and more user-friendly. It now takes 7-10 business days to process claims.
Update: As of July 2024, Nomad Insurance 2.0 is available worldwide.
Cool Things about SafetyWing Nomad Insurance
- You can buy insurance while you’re traveling. Yes, the great thing about SafetyWing is that you can buy insurance at any point of your trip. Coverage begins from the moment you buy your insurance.
- You also get coverage in your home country. SafetyWing covers incidental visits home (meaning you’re not returning to get treatment) for 30 out of every 90 days (15 days for US residents).
- The policy extends automatically. Every 28 days, your policy extends for the same period, so you never have to worry about ending up without coverage. It’s a stress-free process.
- You can cancel at any time. If you won’t be traveling for a while, you can stop your auto-extension by logging into your account. The coverage stops at the end of your current period.
- It’s affordable. Policies start from just over US$45 for 28 days. That’s just over US$1.5 per day. Add-ons have an additional cost, and the price varies depending on your age range.
- Filing a claim is easy. You can do so on the web browser either on your laptop or your mobile device.
How can you get SafetyWing Nomad 2.0?
Getting SafetyWing Nomad 2.0 Insurance is super easy. Just click on this link and create an account. Once you’ve logged in, you can explore insurance options and register for your preferred policy.
Before applying, you can use the price calculator to check different coverage options based on your age and optional add-ons. You will notice that the default policy is for 4 weeks, with automatic renewal at the end of this period. The policy lasts for 364 days, but you can choose to end it sooner.
You may choose to include U.S. coverage and adventure sports (in addition to those covered by default). Electronics theft coverage is available for policies of 28 days or longer.
On the registration page, you can check the restrictions in place depending on your location and age. You may not be eligible for SafetyWing insurance if your home country is sanctioned (like Cuba, Iran, Syria, or North Korea). Additionally, the policy is not available if your address is in specific locations, including certain US states, Canada, and Australia. In these cases, you must be physically outside the country or state to purchase insurance.
Okay, so what are you waiting for? Go check out the SafetyWing Nomad 2.0 and sign up if you feel like this is the travel medical insurance you were looking for.
Happy travels!
