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Travel insurance: It’s not the most exciting topic, is it?
I mean, who wants to think about hospitals and missed flights when you’re dreaming of sipping a mojito on a white sand beach or hiking through lush, green mountains? But here’s the thing: it’s also the one thing we always pack, right alongside our passports and toothbrushes.
That’s why we love plans like SafetyWing’s new Nomad Insurance Essential and Complete. They’re built for travelers like us—affordable, flexible, and ready for those “oh no” moments you hope never happen but somehow always do.
Get a quote for Nomad Essential or Complete now.
We learned the value of travel insurance the hard way. There was that time in Thailand when I (Micki) had to spend three days in the hospital with a nasty infection. Nothing says “romantic getaway” quite like IV antibiotics and a hospital bed.
Or the time in Greece when our son decided to turn a serene playground stop into a DIY episode of ER and ended up needing stitches in his ear.
And let’s not forget our adventure in Quito, Ecuador, when having the addresses of the nearest hospitals literally saved us hours of panicked Googling. Spoiler alert: public Wi-Fi isn’t always your friend in a medical emergency.
SafetyWing offers two tailored insurance plans for travelers and digital nomads: the Nomad Insurance Essential and Nomad Insurance Complete.
The Essential plan provides fundamental coverage for short- to mid-term travelers, focusing on emergency medical situations and specific travel-related incidents.
In contrast, the Complete plan is designed for long-term travelers and remote workers, offering comprehensive health insurance that includes routine medical care, mental health support, and extended travel coverage. Both plans aim to provide peace of mind, ensuring you’re protected against unexpected events during your journeys.
So, why do we always shell out for travel insurance? Let’s break it down.
Medical Mishaps Happen (A Lot)
If you travel enough, odds are you’re going to run into a situation where you’ll need more than just a Band-Aid. From food poisoning to scooter accidents, life on the road isn’t all Instagram-worthy sunsets and perfect gelato. And when you’re navigating an unfamiliar healthcare system in another language, having a good insurance plan is like having a cheat sheet for your worst travel moments.
When I landed in the Thai hospital, I didn’t have to stress about the bill. It was all covered. And trust me, I’ve never been more grateful to not worry about a four-figure charge on my credit card. If you’ve ever been sick or hurt while traveling, you know how much of a lifesaver this can be—both financially and emotionally.
About SafetyWing’s Nomad Insurance
SafetyWing’s Nomad Insurance offers two distinct plans tailored to meet the diverse needs of travelers and digital nomads: the Essential Plan and the Complete Plan.
Who Are These Plans Designed For?
- Essential Plan: Ideal for travelers embarking on short to medium-term trips who seek essential coverage for unforeseen medical emergencies and specific travel-related incidents.
- Complete Plan: Suited for long-term travelers, digital nomads, and remote workers desiring comprehensive health insurance that includes both emergency and routine medical care, as well as extensive travel coverage.
Nomad Insurance Essential Plan
The Essential Plan is designed for travelers seeking fundamental coverage during their journeys. It’s ideal for short- to mid-term trips and provides protection against unexpected medical emergencies and certain travel-related incidents. Key features include:
- Medical Treatment and Hospitalization: Coverage up to $250,000 for hospital stays, nursing care, diagnostics like MRIs, emergency dental treatments (up to $1,000), and extended care post-hospitalization.
- Emergency Evacuation: If you require transfer to a better-equipped medical facility, the plan covers up to $100,000 (lifetime) for evacuation.
- Lost Checked Luggage: Reimbursement of up to $500 per item, with a maximum of $3,000 per policy, for lost checked baggage.
- Injuries from Leisure Sports and Motor Accidents: Coverage up to $250,000 for injuries sustained during leisure activities and motor accidents, provided safety protocols are followed.
- Trip Interruption and Travel Delay: Up to $5,000 for trip interruption due to family death and $100 per day for up to two days for unplanned overnight stays due to travel delays.
It’s important to note that the Essential Plan does not cover pre-existing conditions, maternity care, or cancer treatments. Additionally, coverage for visits to your home country is limited.
Get a quote for Nomad Essential or Complete now.
It’s Not Just About Health
Travel insurance isn’t just for medical emergencies. Missed flights, stolen backpacks, or even trip cancellations—a good plan can cover it all. Imagine this: You’re at the airport, ready to board your dream flight to Bali, and suddenly you’re told there’s a mechanical issue. Your flight’s delayed by 12 hours, and you’re stuck. With the right insurance, you’re not paying for that last-minute airport hotel out of pocket.
Or what about that time in Ecuador? We weren’t just relieved to have hospital addresses—we also had support to guide us on where to go, what to do, and how to handle it all. That kind of help is priceless when you’re far from home.
Nomad Insurance Complete Plan
The Complete Plan is tailored for long-term travelers, digital nomads, and remote workers who desire comprehensive health insurance combined with extended travel coverage. This plan offers more extensive benefits, including:
- Medical Treatment and Hospitalization: Enhanced coverage up to $1,500,000, encompassing hospital stays, nursing care, diagnostics, emergency dental treatments (up to $1,000), and extended post-hospital care.
- Emergency Evacuation: Similar to the Essential Plan, it provides up to $100,000 (lifetime maximum) for evacuation to better-equipped facilities.
- Lost Checked Luggage and Stolen Belongings: Reimbursement of up to $500 per item for lost luggage and up to $5,000 for stolen personal belongings.
- Injuries from Motor Accidents: Coverage up to $1,500,000, with adherence to safety guidelines.
- Injuries from Leisure Sports: Coverage up to $250,000.
- Trip Interruption, Travel Delay, and Cancellation: Benefits include up to $5,000 for trip interruption, $150 per day for up to three days for travel delays, and $300 per trip (up to $600 per year) for trip cancellations due to unforeseen circumstances.
- Routine and Preventative Care: Coverage of up to $5,000 for doctor and specialist visits, $300 for routine check-ups and preventative care, and wellness therapies such as chiropractic sessions and acupuncture.
- Cancer Treatments and Maternity Care: Comprehensive coverage for cancer treatments up to $1,500,000 and maternity care with a $2,500 limit after a 10-month waiting period.
The Complete Plan also excludes pre-existing conditions and requires applicants to be between the ages of 18 and 74.
Get a quote for Nomad Essential or Complete now.
How Can These Plans Help?
Both plans offer financial protection and peace of mind during your travels. The Essential Plan ensures you’re covered for unexpected medical emergencies and certain travel mishaps, preventing potential financial burdens. The Complete Plan provides an all-encompassing safety net, covering both emergency situations and routine healthcare needs, making it a suitable replacement for traditional health insurance while you’re abroad.
By choosing the plan that aligns with your travel style and healthcare needs, you can focus on your adventures, knowing that SafetyWing has you covered.
Peace of Mind is Priceless
Let’s be real: Travel is unpredictable. That’s part of what makes it amazing, but it’s also why insurance matters. We love knowing that no matter where we are or what goes wrong, we have a safety net. And with plans like SafetyWing’s Nomad Insurance Essential or Complete, it’s easier (and cheaper) than ever to protect yourself.
So, do you really need travel insurance? Well, ask yourself this: Can you afford not to have it? After our adventures, I can tell you—it’s one investment we’ll never skip. And honestly, having that peace of mind makes our mojitos taste even better.
