SafetyWing Insurance - The Newest and Cheapest Insurance for Digital Nomads and Long Term Travelers

A lot of people are now pursuing a different kind of lifestyle-- a lifestyle where they can work and travel at their own pace and time, wherever they may be in the world. Some are now teachers of a foreign language, certified yoga instructors, freelancers, entrepreneurs, dive masters, or digital nomads (like me and Jon).

It’s an amazing thing to be free from the 8-5 job. While we embrace this kind of set-up and there’s nowhere else we’d rather be, it could be pretty challenging on how to sustain this kind of lifestyle. From teaching English in Vietnam, to being a masseuse and a toilet cleaner in Peru just so we can get free accommodations to being full-time bloggers-- we’ve been living on a sailboat and monetizing our blog the best way possible.  

Now that we keep on moving due to our sailing adventures and the risks involved in doing so, one of the challenges we had is finding the right Medical Insurance for us. We needed something that could cater to Digital Nomads like us in case we get into an accident or fall sick while we’re both not based in our home country (Jonathan is from the UK and I’m from the Philippines. I used to have my travel insurance with World Nomads until they stopped insuring Filipinos like me (but they still insure other nationalities) and the cost is just too expensive. After a long time searching for ‘the one’, we finally found it in SafetyWing.

SAFETYWING : THE FIRST AND THE BEST TRAVEL AND MEDICAL INSURANCE FOR DIGITAL NOMADS BY DIGITAL NOMADS

One thing that scares people to jump into this Nomadic Lifestyle like ours is the fear of not having a safety net-- an insurance which would be your fallback in case anything unpleasant happens. There are plenty of insurance companies out there but we had to go through each of their policies to know which one is the best-- and after some thorough research, we finally purchased one from SafetyWing.

SafetyWing is the World’s First Medical Travel Insurance founded by Norwegian Digital Nomads and is designed for Digital Nomads. It is specially designed to meet the medical, travel and lifestyle disruption needs faced by Digital Nomads and other remote workers while they are outside of their home country. It is a Y-Combinator company and the policy is administered by Tokio Marine which is one of the largest insurance companies in the world. The Policy is underwritten by certain underwriters at Lloyds.

SAFETYWING COVERS MEDICAL INSURANCE

In case something happens to you which calls for urgent medical assistance, the Room and Nursing Services, Intensive Care, Ambulance Fees which are usual, reasonable and customary when the covered injury results in hospitalization, Urgent Care, Physical Therapy and Chiropractic Care up to $50/day and when ordered in advance by a Physician, Emergency Dental for up to $1,000, and all other Eligible Medical Expenses.

Note that they do not cover those resulting from high-risk sports activities, pre-existing disease or injury, as well as cancer treatments.

SAFETYWING LIKEWISE GIVES TRAVEL ASSISTANCE

In case something goes wrong with your trip, SafetyWing will be there to assist you. In case of a travel delay for more than 12-hours which require an unplanned overnight stay, you can claim $100/day. Lost your baggage? You can also file for a claim subject to limits and restriction. In case of a natural disaster and you need a new place to stay, you’ll be able to get up to $100/day for 5 days. They also have benefits in case of Accidental Death & Dismemberment.

REASONS WHY WE CHOSE SAFETYWING

1) You can avail of it anytime, wherever you may be

Whether you’re sailors like us sailing around the Bahamas or an online entrepreneur working by the beach in Bali while sipping rum and coke or whether you’re teaching English in China, you can get it anytime you want. And by anytime, I mean even while you’re in the middle of traveling. Insurance Companies usually ask you to get one before your trip so this is such a relief!

2) They are ALWAYS available

Whatever time of the day it is that you need some assistance from the Company, they are always there to assist you. All claims are handled by Tokio Marine and they are open 24/7 for all claims.

3) Claiming is easy!

All you have to do is sign in to the online claim portal and download a PDF file of the medical claim form from the insurance provider. Fill it out and send it to the designated email address attaching therewith receipts from the hospital and pharmacy. Within 24 hours, you will then get an email saying that the claim has been received and will be subject to review from 30-45 days. This isn’t bad at all!

4) It is super flexible

With SafetyWing, the insurance goes on until you cancel or unless you chose an end-date. Fair enough.

5) It is affordable

For only $37 for 4 weeks, people ages 18-39 will already get a worldwide travel medical coverage. Travel to US adds $31 per 4 weeks. ​This is 1/3rd of the price compared to the biggest competitor for similar coverage.

6) It covers you both abroad and at your home country

Imagine having a worldwide coverage for 180 countries. That’s like traveling across the globe without having to worry about anything at all! Not only that, you can also avail of the limited coverage in your home country.

7) It’s available for everyone

No matter what citizenship you hold or no matter where you are from, you can definitely avail of this insurance.

8) You can purchase for your whole group

If ever you’re traveling with a group of people, you can easily book one for the whole group. That is so easy.

After purchasing our Travel & Medical Insurance from SafetyWing, we finally had some peace of mind. Nothing beats a stress-free life and travels! For all the Digital Nomads, Freelancers, or Remote Workers like us, SafetyWing is highly recommended for you!

FAQS ABOUT SAFETYWING

1) Who can purchase a Travel & Medical Insurance from SafetyWing?

Individuals over the age of 18 years and can provide coverage for people from 14 days to over 80 years of age. Although the product is designed to meet the unique needs of Digital Nomads, Remote Workers and Freelancers, others can buy or be covered by the insurance.

2) What is Limited Coverage in your Home Country?

If your Home Country is the United States, you are covered for up to 15 days in the U.S. for each 90 days that you are covered. For other countries, you are covered for 30 days for each 90 days of coverage.

3) How do I find an Accredited Medical Provider?

Simply login to SafetyWing.com and select "find hospital or doctor" from the menu to search for a provider close to your location. They have a worldwide network of qualified doctors, specialists and hospitals.

4) What do I do when I get to the hospital?

Simply show your SafetyWing ID-card to the medical attendant. For the hospitals and doctors in their network, direct billing is sometimes an option, with the medical office submitting the bills directly to the Plan Administrator. After any visit, you will need to submit a Claimant's Statement to the Plan Administrator.

5) How much is it?

It depends on the age of the insured. Click here to know more about it.

6) Who do I call in case of an emergency?

For those in the US, simply call 911 and for those in other countries contact an ambulance or the local emergency phone number for that country. For claims, a doctor referral or other issues concerning your coverage, contact Tokio Marine HCC-MIS Group: Inside the U.S.A. call 1-(800) 605-2282 Outside the U.S.A. Click Here for list of worldwide toll-free phone numbers.

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