2024 SafetyWing Review: Nomad Insurance Vs Remote Health

Bradley Williams
Written By:
Bradley Williams
Last Updated:
January 3, 2024
Here's an in-depth review of SafetyWing travel insurance. Comparing the Nomad Insurance vs Remote Health policies to help answer which is best for you.
SafetyWing review

Looking at travel insurance is the most boring part of planning a trip, but unfortunately for us travellers it’s a necessity. 

And I was interested to trial SafetyWing, who seem to be one of the few modern insurance providers attempting to make buying insurance easier and more straightforward.

I used them most recently for our 2 month trip through Eastern Europe, and had a seamless experience understanding their policies and signing up. 

I had never bought insurance in this rolling, subscription fashion, and was quite impressed by how relatively easy it was!

However, Cazzy was actually unable to go with them due to their limits towards people with pre-existing medical conditions (more on that below).

In this article, I’m going to do an in-depth review of SafetyWing insurance, and the differences between their two policies - Nomad Insurance and Remote Health

I’ll break down each policy by category so you get a deeper understanding of the insurance jargon, and what you need. 

This way you can make an informed decision about whether SafetyWing is for you, and which plan would suit you the most. 

Let’s get started …

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Quick answer - Which policy is right for you?

SafetyWing makes it easy by having only two policies to choose from. 

There is a huge difference between both policies when it comes to what they cover. But in short ...

Nomad Insurance
SafetyWing Nomad Insurance

Flexible monthly travel insurance covering:

  • Medical cover
  • Evacuation
  • Trip delay
  • Lost checked luggage

Targetted mainly towards digital nomads who travel for extended periods of time.

But is also great for most types of travellers, from most countries.

Has the unique benefit of being able to purchase whilst already abroad.

Remote Health
SafetyWing Remote Health

Flexible health insurance policy purely for travel medical insurance cover and doesn’t cover any of the other factors that can go wrong during travel.

Incredibly helpful if you’re travelling around the world on a long-term basis.

Long-term stays are covered for every single country in the world, and that includes countries like the UK, U.S and Australia.

Not only does it cover accidental injuries and illness, but it also covers cancer treatments, specialised treatments and palliative care, among others.

Is great for companies looking to insure a team of remote workers.

SafetyWing Review: What makes them stand out?

Like any travel insurance company, there are pros and cons.

Pros of SafetyWing
Cons of SafetyWing
Don’t need to declare which countries you are travelling to in advance
Low maximum payout compared to some other insurance providers
24/7 assistance and support 
No gadget cover 
Easy subscription model 
Doesn’t cover theft 
No limit on travel duration
No trip cancellation cover
Broad COVID-19 cover 
Gets much more expensive the older you get

What makes SafetyWing different from other insurance providers?

In my opinion, several factors make SafetyWing stand out from other insurance providers. 

Let’s take a look at some of the things that make them stand out: 

SafetyWing unique insurance features

1. Buying insurance whilst abroad

This is a crucial benefit, as the vast majority of insurance providers don’t allow you to start a policy whilst already abroad.

This happened to me in Bali a few years ago where I had stupidly forgotten to buy insurance before flyign, so had to pay a hefty premium to go with another company.

If I had considered Safetywing, I wouldn’t have had to pay this largely inflated price that I did end up paying!

2. The subscription model

SafetyWing’s easy subscription model is one of the things that makes them stand out from other providers.

First of all, you don’t have to pay for a whole year upfront this way. Instead, you are charged automatically every 28 days.

This is great if you have no idea how long you’ll be out of the country for. It’s also super easy to cancel, with no penalty to do so or contract commitments. 

3. No limit on travel duration 

Many travel insurance providers require a travel duration, but SafetyWing doesn’t. That means if you have no idea when you’ll be back home, it’s all good. 

A lot of providers also need a return date (and a return ticket) to activate your insurance. SafetyWing needs neither of those things, meaning you can travel with a one-way ticket, and plan your trip from there. 

Travelling spontaneously this way is also super easy, as there is no need to choose a destination as they provide worldwide coverage. The only thing you need to state is whether you want to include the United States or not.

4. Some coverage in your home country

If you are from the USA, then SafetyWing covers incidental visits home. That essentially means you can’t return home to obtain treatment for an injury or illness that started whilst you were abroad. 

For every 90 days, you are covered for up to 30 days in your home country for unforeseen eligible medical conditions. This goes down to 15 days if you’re from the United States. 

The Remote Health policy covers you in your home country, as well as abroad all year.

5. Covers riding a motorbike or scooter

This is quite a unique aspect of travel insurance. Most insurance providers don’t provide coverage for riding a motorbike or scooter, but SafetyWing does. 

They cover any accidents involved with riding a motorbike or scooter, as long as it doesn’t fall under any exclusions such as racing or intoxication.

This is perfect for nomads, especially those travelling around countries like Thailand, as scooters are one of the most popular ways to get around.

Just be sure to double check the exact limits on how fast a moped/scooter you can ride.

6. Clear pricing structure

SafetyWing has a very clear pricing structure. 

When it comes to the Nomad Insurance policy, prices will only change depending on your age, and whether you want to include travel to the United States. 

The Nomad Insurance policy also allows a child under 10 to be insured on an adult's policy for no extra charge. If you’re a family of 4 this is incredibly cost-effective. 

There is a maximum of 2 children allowed per family on the policy without an added cost. 

It’s important to note that the Remote Health policy is affected by taxes, location and other factors. 

Does SafetyWing travel insurance cover COVID-19?

Before we go any further, let’s address the main issue when it comes to purchasing travel insurance. 

Does SafetyWing cover COVID-19? The answer is yes!

SafetyWing Covid cover

Contracting COVID-19 works the same as any other illness when it comes to claims, as long as it wasn’t contracted before your policy start date. 

However, SafetyWing doesn’t cover the costs of COVID-19 tests so it’s important to factor this into your budget if your destination requires them to enter. They will only cover the cost if a physician deems a test necessary. 

Another great thing about SafetyWings COVID-19 cover is that they cover part of your quarantine costs. 

Of course, the quarantine has to be mandated by a physician or government, be outside your home country, and you have to be covered by the policy for a minimum of 28 days before you can claim for it. 

If these requirements are met then you can claim $50 per day for up to 10 days. 

The one thing to remember is that the COVID-19 cover comes included automatically with any new plan. However, if you have an existing plan you will need to get in touch with SafetyWings’ customer service time to upgrade it. 

SafetyWing is one of the few travel insurance companies that offer such broad COVID-19 coverage in their policies. Being able to claim help towards quarantine costs rather than just when you’ve contracted the illness, is a major bonus when it comes to travel insurance. 

Nomad Insurance Covid details

What’s NOT covered?

Several things aren’t included with either of SafetyWings policies. Including:

  • Trip cancellation - This is usually a big priority for travellers, so it’s a big put-off for many people. However, the Nomad Insurance policy is tailored specifically towards nomads and long term travellers, so cancelling a trip before you leave your home country isn’t usually relevant. 
  • Stolen luggage or personal items - They only cover checked luggage that has been lost after it’s been checked in with your transport provider. 
  • Pre-existing health conditions - This is pretty standard for travel insurance providers. However, they do have limited coverage for acute onset of pre-existing conditions
  • Certain big adventure sports - Although they cover a variety of sports and activities, they don’t cover the big adventure sports such as paragliding, parachuting, and hiking at elevations of 4,500m and higher. It’s important to check the website on which sports are covered before buying your policy. 
  • Travel to Iran, North Korea and Cuba - These countries are not covered by SafetyWing.
what SafetyWing does not cover

How to make an insurance claim with SafetyWing

The claims process is fairly simple, which is always handy. 

There is a “make a claim” section in the dropdown menu under your profile. It will walk you through the whole process, so you know exactly what you’re doing. 

The claims form can be filled out digitally, and then it just needs to be uploaded with photos of the receipts and any other documents that are needed. 

Your claim should take less than 45 days to be processed, and you can check on the website to see live status updates whilst your claim is being reviewed. 

It’s important to note that all claims must be filed within 60 days of the end of your insurance. You’re policy auto-renews every 28 days so this isn’t a problem unless you are nearing the end of your annual policy.

SafetyWing claims process

SafetyWing Nomad Insurance vs Remote Health

Below is a detailed rundown of each policy, but for now let’s briefly compare them and discuss which one is for you! 

This is a quick table showing the differences between the two policies that can be found on SafetyWings website

Nomad Insurane vs Remote Health

Nomad Insurance policy

Pros of the Nomad Insurance policy
Cons of the Nomad Insurance policy
Subscription model - can cancel at any time with no penalty
Doesn’t cover people age 70 or over
Very cheap 
No cover for trip cancellation
Personal liability cover included 
Only covers medical emergencies
Simple pricing policy 
No item-specific insurance packages
One child included at no extra cost on an adults policy
More expensive the older you get, and if you want to travel to the United States

Remote Health policy

Pros of the Remote Health policy
Cons of the Remote Health policy
In-depth medical cover e.g. cancer treatments, palliative care, health screenings etc...
No travel benefits eg. (lost checked luggage, travel interruptions)
$0 deductible 
Long term commitment (annual policy)
Can add on family members for an extra premium
Limited coverage in the United States, Hong Kong and Singapore for up to 30 days
Cover for your home country, as well as abroad
Very expensive for over 50s 
$1,500,000 maximum payout per year 
Doesn’t cover people age 74 and older 

Each one of these policies has advantages and disadvantages, and it all depends on what you want cover for. 

If you want comprehensive health insurance that will cover more than just emergencies, it’s worth covering the Remote Health policy

If you have a pre-existing condition (some are covered on the remote health policy) or think you may require regular medical care or health checks, it’s a great option.

Not only does it cover a variety of illnesses including cancer, but it covers you worldwide. It’s the perfect health insurance for digital nomads and remote workers. 

However, it’s a big commitment as it’s an annual policy and doesn’t come cheap to people over the age of 50. 

It’s also important to remember that it doesn’t include any travel benefits. If you’re looking for cover for trip interruption, lost checked luggage or travel delays, you will need the Nomad Insurance policy. 

The Nomad Insurance policy is also a lot cheaper than the Remote Health policy, so is perfect for backpackers.

The Nomad Insurance policy covers medical emergencies, and various travel benefits to give you a wider variety of cover rather than just health insurance. 

However, its medical cover isn’t nearly as extensive so it’s important to consider that.

SafetyWing pricing comparison

When it comes to cost, the price will vary depending on which policy you choose.

However, unlike other travel insurance providers, SafetyWing has a very clear pricing structure.

Nomad Insurance Policy

Excluding travel to the U.S
Including travel to the U.S
10 - 39 years 
40 - 49 years
50 - 59 years 
60 - 69 years 

The prices for the Nomad Insurance policy will only change depending on your age, and whether you want to include travel to the United States. 

The Policy is charged on a 4-week basis (28 days). 

So for example, for an 18-year-old travelling somewhere like Ireland, and on to elsewhere in Europe, it would cost them $42 for 4 weeks. If they want to add America to their policy, it would cost them an extra $34.72.

SafetyWings Nomad Insurance policy renews every four weeks for 364 days. However, you can cancel it at any time without a penalty. 

Remote Health Policy 

Excluding travel to the U.S
0 - 17 years
18 - 39 years 
40 - 49 years 
50 - 59 years 
60 - 60 years 

*SafetyWings website states that this cost is affected by taxes, location and other factors. 

If you choose the Remote Health policy, it's a yearly contract with monthly payments. 

There is a lot more commitment as you can’t just cancel at any time. 

How does SafetyWing compare to other insurance providers?

If you are from the US, here is how SafetyWing compares to other top providers:

* All quotes are for a 3-month backpacking trip around Asia for a 24 year old traveller (exact pricing will differ depending on personal circumstances, so use the below as only a rough idea)

death / disable
Nomad Insurance
More details
$12,500 - $25,000
$231 with US travel
World Nomads
More details
Insured Nomads
World Explorer SM
More details
$1,250 - $25,000
Travel Guard
Preferred Plan
More details

If you are from the UK, or elsewhere in Europe, here is how they compare to top providers in these countries:

Again, all quotes are for a 24 year old traveler, spending 3 months backpacking Asia.

death / disable
Nomad Insurance
More details
€11,000 - €22,500
€207 with US travel
Globelink International
Globetrotters Standard Plus
More details
True Traveller
Traveller Plus
More details
€3,500 (upgrade)
€30,000 (accidental disability)
IATI Backpacker
More details
€6,000 (accidents)€6,000 (death)

How to buy travel insurance with SafetyWing

Getting travel insurance with SafetyWing is incredibly easy.

First of all, head to their website and create an account. You will be asked for some details including your home country, date of birth and address. 

Create account with SafetyWing

To activate the insurance you just have to choose your start date, and state whether you plan on travelling to the United States or not. 

It’s literally that easy!

You can also sign up to SafetyWing from anywhere, whether you’re still at home or you’re already on the road. 

coverage SafetyWing countries

SafetyWing Nomad Insurance Breakdown

The Nomad Insurance policy is a typical travel insurance plan and covers all the basics. 

This includes medical cover, trip interruption, travel delays and lost luggage. 

A great thing about this policy is that coverage automatically renews every four weeks for 364 days. 

This means you don’t have to remember to renew it yourself, and you can cancel it at any time without a penalty. 

The Nomad insurance policy also covers you for a wide range of activities during your trip.

To give you a quick idea of cover: 

  • The maximum cover for lost checked baggage or personal items is $3,000.
  • The maximum cover for trip interruption is $5,000. 
  • The maximum cover for emergency medical evacuation is up to $100,000 (lifetime maximum).

SafetyWing Nomad Insurance has two separate sections within its policy. These are travel and medical.

I’m going to break each one down into subcategories to give you a more in-depth understanding of the policy. 

Medical vs Travel cover for Nomad Insurance

Travel Insurance

Trip Interruption

The Nomad Insurance policy covers the cost of trip interruption up to $5,000.

It covers the cost of a one-way flight back home if you have to end your trip due to the death of a close family member, destruction of your property or after an emergency medical evacuation. 

You will, of course, have to provide proof of these events to claim. In the event of an emergency medical evacuation, the physician must state that it’s physically necessary for you to return to your home country. 

Trip interruption cover is a great thing to have on your travel insurance policy, as we all know things can go wrong when it comes to travel. 

Travel Delay 

The Nomad Insurance policy covers up to $100 a day after a 12-hour delay period, which leads to you requiring an unplanned overnight day. This is subject to a maximum of 2 days. 

The reimbursement is for reasonable accommodation and meal costs, and you are not covered unless the delay is 12 hours and certified due to the following reasons: 

  • Delay of common carrier (airplane, bus, train or watercraft). 
  • Traffic accident whilst en route to the point of departure (outside your own country).
  • Organized labour strike, or you being quarantined or hijacked. 
  • Passport or travel documents have been stolen.

Travel delays are incredibly common, so this is always a great cover to have on any travel insurance. 

Lost checked luggage

Lost checked luggage is covered up to $3,000  per certificate period, with a $500 limit per item. There is also a lifetime limit of $6,000 with the Nomad Insurance policy. 

However, the keyword here is ‘checked’. Unfortunately, SafetyWing currently only cover luggage that is lost after being checked in with your airline or cruise ship. 

They don’t cover loss of luggage elsewhere or theft. 

You must also file a formal claim for lost luggage with the transportation provider first, and follow all the measures directed by the provider to locate your lost luggage. 

If this doesn’t work and you don’t retrieve your luggage, you can then file a claim with SafetyWing.

Natural Disasters

Natural disasters are a completely unexpected factor when it comes to travel. They can happen at any time, and it’s always good to have cover for them in your travel insurance. 

SafetyWing covers up to $100 a day for 5 days, for replacement accommodation. 

This is if you’re displaced from planned paid accommodation due to evacuation from a forecasted natural disaster, or following a natural disaster. 

The policy states: 

“a natural disaster means an event of natural cause, including wildfire, earthquake, windborne dust or sand, volcanic eruption, tsunami, snow, rain or wind, that results in widespread and severe damage”

This doesn’t generally include named storms like hurricanes or typhoons unless they meet several circumstances. 

Political evacuation

The Nomad Insurance policy has a lifetime maximum limit of $10,000 when it comes to political evacuation. 

This means SafetyWing will cover the cost of transportation to the nearest country of safety or your home country by the most economical means possible.

When it comes to political evacuation there are several conditions you need to meet. These are: 

  • That the U.S Department of State has issued a level 3 or 4 travel advisory, after your arrival into the destination country. 
  • You had cover before the advisory was issued. 
  • You contact SafetyWing within 10 days of the warning being issued. 

Emergency medical evacuation

SafetyWing has a $100,000 lifetime maximum cover when it comes to emergency medical evacuation. 

This means you’re covered if you need to be flown to a suitable airport nearest to the hospital you’ll receive treatment, or emergency ground transportation is necessary. 

The evacuation needs to be recommended by the attending physician, and they must state it's medically necessary or loss of life/limb could occur. 

This is one of the most important aspects of any travel insurance policy, as unfortunately, medical emergencies can happen as we travel. 

Several conditions need to be met when claiming emergency medical evacuation.

You can find more information about these conditions on the SafetyWings website. 

Personal liability

SafetyWing’s Nomad Insurance policy can cover you if you become legally liable to pay damages in terms of:

  • Accidental bodily injury (including death, illness and disease) to a third person.
  • Accidental loss or damage to a third person’s material property.
  • Accidental loss or damage to a related third person's material property. 

They have a $25,000 lifetime maximum limit that you can claim (for third person injury: up to $25,000; for third-person property: up to $25,000; for related third person property: $2,500). 

Personal liability is a complicated one and as with all insurance providers, SafetyWing has several requirements that you must meet to be covered. 

Accidental death & dismemberment 

The cover amount for accidental death & dismemberment differs depending on your age. 

Here are the maximum cover limits for ages 18-69:

  • Lifetime maximum - $25,000 (Death: up to $25,000; Loss of 2 limbs: $25,000; Loss of 1 limb $12,500). 

Here are the maximum cover limits for under 18s.

  • Lifetime maximum - $5,000 (Death: up to $5,000; Loss of 2 limbs: $5,000, Loss of 1 limb: $2,500). 

The maximum liability for any group or family is limited to $250,000.

If the worst were to happen and you were involved in a fatal accident, the amount indicated will be paid to your beneficiary. 

Repatriation of remains

Repatriation of remains is another worst-case scenario when it comes to travel but it’s important. 

It means if you were to be involved in a fatal accident, the costs would be covered to send your body back home. 

SafetyWing covers up to $20,000 when it comes to the repatriation of remains. This is a lifetime maximum. 

Sports and activities

SafetyWing covers a wide variety of adventure sports and activities. This is always great to have on your insurance policy, as let’s be honest we travellers generally try out a lot of activities during our trip. 

As well as sports, you are also covered if you join a gym, get a personal trainer or try out some fitness classes. 

Some of the sports and activities included within the policy are:

  • Camping (up to 4,500m)
  • Hiking (up to 4,500m)
  • Kayaking
  • Mountain biking
  • Safari tours
  • Skiing
  • Snorkelling
  • Swimming
  • Trekking
  • Yachting

You can find the full range of sports and activities on SafetyWings FAQ.

It’s also important to note that the policy doesn’t cover organised athletics or professional sports/activities.

Lost or Stolen Passport/Travel Visa

The Nomad Insurance policy covers the cost of a lost or stolen passport/travel visa up to $100. 

You will only be covered for this if you exercise reasonable care and supervision of the passport or visa, and you report the loss or theft to the police within 24 hours. 

You will also need a written police report, and to provide receipts for the cost of the document to file a claim. 

Crisis response

When it comes to crisis response, the Nomad Insurance policy covers you up to $10,000.

This means you are covered for ransom, personal belongings, and crisis response fees and expenses. 

Now, this isn’t something any traveller usually thinks of and is a much less common occurrence than other factors on this list. 

However, it’s good to be covered. 

It’s important to note that if kidnapping does occur, there are certain countries SafetyWing won’t cover. These include, but aren’t limited to Afghanistan, the Democratic Republic of the Congo, Iraq, Libya, Somalia, Syria and Yemen. 

They also can’t cover any country where they are prohibited from transaction due to sanctions by the United States Department of the Treasury’s Office of Foreign Assets Control (OFAC).

Medical Cover

Medical cover is the most important aspect when it comes to your travel insurance policy. 

If you suddenly fall sick or are involved in an accident, it means you’re covered when it comes to needing medical assistance. 

When it comes to medical cover, SafetyWing's maximum payout is $250,000 or $100,000 for people aged 65 and over. 

$250,000 medical cover is actually very good compared to World Nomads who only offers $100,000.

The deductible is $250 which is the amount you’ll need to pay if you make a claim. 

If you have another accident within a year of starting your policy, and you’ve already paid the deductible, SafetyWing will simply pay out the full amount. 

It’s also important to note that some scenarios aren’t subject to a deductible within this policy. 

SafetyWing Nomad Insurance medical cover limits


The Nomad Insurance policy will cover many aspects of hospital services including, but not limited to: 

  • Daily room and board, and nursing services for a semi-private room, and a room in the Intensive Care Unit. 
  • Emergency treatment of an injury
  • Emergency treatment of an illness subject to emergency room co-pay

For full details of what SafetyWing covers in terms of hospital treatment, you can find the full policy on their website.


Emergency local ambulance transport is covered in this policy if it’s necessary in connection with an injury or illness that results in the patient being hospitalised.

Physical therapy and chiropractic care

Outpatient physical therapy of chiropractic care is covered up to a maximum of $50 per day. 

It has to be prescribed by a physician who isn’t affiliated with the physical therapy or chiropractic practice. They also must state that it’s necessary to continue recovery from a covered injury or illness. 

Emergency dental 

SafetyWing also covers emergency dental treatment up to the maximum limit of $1,000. 

This includes:

  • Emergency dental treatment and surgery needed to restore or replace teeth lost or damaged in an accident (the accident/activity must be covered under the insurance).
  • Emergency dental treatment to resolve acute onset of pain, provided treatment is within 24 hours of pain onset. 

Emergency eye exam

An emergency eye exam is covered if your glasses are lost or damaged due to a covered loss, and you require an eye exam to obtain a new prescription.

However, the policy doesn’t cover the replacement cost of prescription glasses or contact lenses. 

The Nomad Insurance policy covers you up to $150 with a $50 deductible fee per occurrence. 

Acute onset of pre-existing conditions

Although SafetyWing doesn't cover pre-existing conditions, it does cover acute onset of pre-existing conditions. 

That means if there is a sudden and unexpected outbreak or recurrence of a pre-existing condition. For it to be covered it has to occur spontaneously, rapidly progress and require urgent care. 

Treatment must also be obtained within 24 hours. 

You can claim up to the overall maximum limit for this. 

Bedside visit

This is one of the best aspects that SafetyWing offers when it comes to medical coverage. 

They will pay for a round-trip flight or transportation for one relative if you are in an Intensive Care Unit abroad. 

The maximum cover is $1,500. 

SafetyWing Remote Health Breakdown

The Remote Health policy works very differently from their Nomad Insurance policy, or any other travel insurance policy. 

It’s global health insurance that is primarily for remote workers and nomads. With this insurance, you can spend as much time abroad as you please, and you’re also covered in your home country too. 

Not only does Remote Health cover accidental injuries and illnesses, but it also covers other medical issues such as cancer tests and treatments, rehabilitation and specialised treatments. 

It’s a yearly contract with monthly payments and covers long-term stays in every single country in the world. That includes the UK, Australia and the United States. 

However, for trips to the United States, Hong Kong and Singapore, you get limited coverage for trips up to 30 days. 

SafetyWing Remote Health benefits

It’s a great cover if you’re travelling around the world on a long-term basis, but it’s important to remember that this is a health insurance policy. 

It doesn’t cover any other factors that could go wrong including trip interruptions, delays, political evacuations or lost checked luggage. 

To give you a quick idea of cover: 

  • The maximum cover per policy year is $1,500,000.
  • The maximum cover for surgery is $500,000.
  • The maximum cover for rehabilitation and specialised treatments is $500,000.

There is an age limit to apply for this policy which is under 74 years. 

The Remote Health Policy covers a full range of medical issues and illnesses, making it comprehensive health insurance. 

I’m going to break these down, so you have a clearer understanding of what’s covered in this policy. 

All cover costs discussed in this part of the article are per policy year. 

So let’s go! 

Outpatient Care

Outpatient care is when you need medical services without being admitted to the hospital. 

The Remote Health policy has a maximum cover of $5,000 across all charges, and a 10% co-pay will need to be covered by you. 

This includes:

  • Emergency room care
  • Physician and specialist visits
  • Medications
  • Physical therapy
  • Outpatient psychiatric treatment
  • Diagnostic study services
  • Complementary therapies


This policy has a maximum cover of $1,000 for dental work. 

This covers routine care such as check-ups, cleanings and fillings as well as more complex dental care. This may include new crowns, dentures, inlays and root canal surgery, among others. 

This benefit is subject to a 9 month waiting period. 


The Remote Health policy has a maximum cover of $500 when it comes to vision. 

This includes: 

  • One eye exam every 12 months.
  • One frame every 24 months, and standard corrective lenses every 12 months.
  • Standard lens enhancements once every 12 months.
  • Contact lenses once every 12 months (instead of glasses) including the evaluation and fitting.

Screenings & Vaccines

This policy has a maximum cover of $500 for health screenings and vaccines. 

This includes routine health checks including cancer screening, cardiovascular and basic vital signs exams, as well as basic immunisation and booster injections.

It’s important to note that the COVID-19 vaccine isn’t covered. 

Evacuation and repatriation of remains, or cremation of remains

The maximum cover amount for evacuation and repatriation of remains is $100,000.

This includes emergency evacuation by air ambulance, repatriation and repatriation or cremation of remains.

Palliative care

When it comes to health insurance, Palliative care is so important. 

The Remote Health policy covers up to $50,000 for palliative services to a patient with a terminal illness. 

These services must be provided by a medically supervised team of professionals and in an accredited hospice. 

Rehabilitation and specialised care

The Remote Health policy covers a maximum of $500,000, or up to 30 days per medical condition for rehabilitation and specialized care. 

This includes physical therapy, speech therapy or occupational therapy. 

Other provisions and benefits included within the policy that can be issued for a *full refund against the policy cover include: 

  • Hospital treatment and accommodation
  • Inpatient surgery
  • Intensive care unit
  • Cancer tests and treatment
  • Reconstructive surgery
  • Renal failure and dialysis
  • Inpatient prescription medication
  • Emergency ground ambulance
  • Organ transplants
  • Passive war and terrorism
  • Nurse care at a care home for up to 60 days

*SafetyWing states that  “full refund benefits are based off of usual, customary and reasonable costs for the geographical area where the expenses where incurred”.

As you can see the Remote Health Policy offers a wide range of benefits. 

It’s impossible to go through every single one in this document, but these are just a few of the most important ones.

However, the policy document for this policy can be found on SafetyWings website.

Frequently asked questions

Can you buy SafetyWing insurance whilst already overseas?

You can buy insurance with SafetyWing either before your trip or whilst overseas. 

It doesn't matter if you’re already abroad, but some parts of the cover require you to have had the policy for a certain amount of time before you can make a claim. So keep that in mind!

Which countries aren’t covered by SafetyWing?

SafetyWing offers travel insurance coverage to almost every country in the world. This excludes Iran, North Korea or Cuba. 

However, if you’re a US citizen with permission to travel to Cuba from the US government, they will cover you. 

Although this isn’t something any of us want to think about, SafetyWing also can’t cover you for kidnapping that first occurs in specific countries or where they are prohibited from transaction due to sanctions by the U.S government. 

These countries include but aren’t limited to Afghanistan, Iraq, Libya, Somalia, Syria and Yemen.

Is any coverage provided while I’m in my home country?

SafetyWing does cover visits home, but the visit has to be incidental. That means you can’t return home to obtain treatment for an illness or injury that began whilst abroad. 

For every 90 days, you are covered for up to 30 days in your home country for unforeseen eligible medical conditions. This goes down to 15 days if you’re from the United States. 

If you stay in your home country longer than your policy allows your coverage is void until you leave. 

The Remote Health policy covers you in your home country, as well as abroad all year. 

Does SafetyWing cover electronic devices?

SafetyWing doesn’t provide gadget cover for electronic devices. They also don’t cover the theft of electronic devices, so be aware of this when packing for your trip. You may want to take out additional gadget cover insurance. We have rolling monthly direct debits for our gadgets, and treat that separate to our travel insurance.

Does SafetyWing cover trip cancellation?

SafetyWing doesn’t cover trip cancellation. The policy is tailored specifically towards nomads, and as trips would have to be cancelled before you leave your home country it’s not usually relevant.

Of course, this is something to think of, if you’re not planning long-term travel. 

Does SafetyWing cover pre-existing medical conditions?

Pre-existing conditions aren’t covered under SafetyWing, which is pretty much standard practice when it comes to travel insurance. 

However, they do have limited coverage for acute onset of pre-existing conditions. Make sure you read the policy document first to decide whether that covers you or not. 

Is SafetyWing for you?

We all know that things can go wrong with travel and that insurance is a must. 

Whether that be an illness, injury or trip interruption, it’s almost a guarantee that something won’t go to plan during your trip. 

When it comes to travel insurance, SafetyWing is up there with the best. 

At the end of the day, it’s up to you whether you go for the Nomad Insurance policy or Remote Health policy, but both have huge advantages. 

If you want an insurance policy that includes travel benefits (e.g. trip interruption, lost checked luggage), you need to go for the Nomad Insurance policy.

If you don’t feel like you need those (which in all reality, you probably will at some point), you can go for the Remote Health Policy

This is a global insurance plan and is specifically for nomads and remote workers who are spending a prolonged amount of time in another country. It caters for many health issues rather than just the standard injury and illness and gives an amazing level of cover. 

We hope this article has helped you understand the different policies at SafetyWing, and which one would be best for you! 

Now over to you …

Are you thinking of trying SafetyWing, and still have any questions?

Just drop a comment below!

Disclaimer: Fully research your destination prior to travel, or any products prior to purchase. We can accept no responsibility for anything you experience as a result of the information found on this website. Some posts may contain affiliate links, which means we receive a small commission for some purchases, at no additional expense to you. Read more here
Some images courtesy of Deposit Photos.
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