Nomad Insurance offers global health and travel coverage that travels with you to 170+ countries. From medical emergencies to routine care, Nomad Insurance is flexible, affordable, and thorough, designed for digital nomads, frequent travelers, and remote workers.

Nomad Insurance has two plans with different levels of coverage, Essential and Complete. The first plan offers travel medical coverage, while the other provides full health insurance with extended travel coverage, both designed for those working or exploring across multiple countries.

Nomad Insurance is for people who live, work, or travel internationally, often without a fixed home base. It’s designed to meet the needs of:

• Digital nomads working remotely while traveling the world

• Long-term travelers exploring multiple countries over months or years

• Expats and semi-expats who move frequently, live between countries, or have settled abroad but struggle to navigate the local healthcare system

• Remote workers spending extended time abroad

• Occasional travelers looking for reliable coverage for their trips

We offer two plans to choose from:

• Nomad Insurance Essential is a travel medical insurance plan that covers unexpected medical and travel emergencies while you’re abroad. It’s designed to give you peace of mind if you get sick or injured while traveling— best suited for those seeking an affordable option for coverage or travelling for shorter periods at a time

• Nomad Insurance Complete is a full global health insurance plan with added travel protections. It covers both everyday healthcare needs and unexpected medical issues— best suited for those who don’t have access to a more comprehensive healthcare plan elsewhere

Nomad Insurance it’s built for anyone embracing a global, flexible lifestyle—whether you're on the road for a few months or building a life across countries.

It depends on the plan. Nomad Insurance Essential is a travel medical insurance. It is not a replacement for health insurance because it is only designed to cover emergency accidents and illnesses that may happen while you travel, rather than preventative care, elective treatment or continuing treatment of chronic conditions.

The Complete plan offers a full health insurance package that includes coverage for emergencies, but also preventative and routine medical care. It also provides travel coverage with benefits such as lost or delayed checked baggage, trip interruption or cancellation and burglarized accommodation.

The Essential plan costs US$67.72 every 4 weeks for a member aged 10-39 years.

The Complete plan costs US$161.50 every month for ages 18-39.

Prices increase with age. You can generate a quote based on your specific needs using our price calculator.

Whether you can buy this insurance and your area of coverage is different between Essential and Complete plans. Generally, SafetyWing complies with US, UK, EU and UN sanctions.

Essential

Most people, from anywhere in the world, can get this insurance. The exceptions are:

• If you are younger than 14 days or older than 69 years.

• If your home country is sanctioned (North Korea, Syria, Cuba and Iran).

• If you, as an individual, are sanctioned under any of the sanctioned regimes.

Your destinations cannot be: Belarus, Cuba, Iran, North Korea, Puerto Rico, Russia, Syria, Ukraine, and your home country (where you principally reside and receive mail).

Complete

To sign up for the Complete plan, you must be between the ages of 18 and 64. You can be covered past this age as long as you signed up before you turned 64 and continue renewing your plan without any gaps. You are covered in your country of residence and anywhere you travel, with the exception of any country or area that is sanctioned.

We cannot cover residents (those living there for 6+ months out of the year) of Belarus, Canada, Democratic Republic of Congo, Iran, Iraq, Republic of Ireland, North Korea, North Sudan, South Sudan, Syria, Palau, Portugal, Saudi Arabia, Somalia, United Arab Emirates, and the USA and its territories.

Essential

When you sign up for Essential you can also buy insurance for a friend, family or group members travelling with you. For this plan only, one child (older than 14 days but younger than 10 years old) per adult, or 2 children per group/family can be included in the insurance without added cost. Just remember that a group member can be added to the plan only at a purchase point. All other group members pay the regular price according to their age bracket. 

Complete

When you sign up for Complete you can include under your plan a spouse and/or children under 18 or 18-24 in full-time education. All family members added to the plan pay the regular price according to their age bracket.

Choosing the right plan depends on your long-term health needs and lifestyle. For full-time digital nomads, especially those without a safety net back home, the Complete plan offers full health coverage where you live in addition to travel coverage. 

It’s important to understand that for the Essential plan, new conditions become pre-existing when the plan expires (max 364 days), and it therefore doesn’t provide continuous coverage for conditions. It is for truly unexpected health issues and accidents, not conditions that existed before your plan started. It is great as temporary cover but should not be used as ongoing health insurance.

Although the Complete plan also does not cover pre-existing conditions, it is renewable for life, and will cover you if you do develop long-term health issues like diabetes, cancer or asthma while you’re on the plan for however many years. It also has important coverage for preventative or routine care such as annual check-ups, screenings, vaccines, and maternity care.

If you are healthy now, it's wise to get the Complete plan to ensure ongoing, complete coverage as your needs evolve.

Essential

You can cancel your Essential plan subscription any time for any reason by stopping your subscription payments from your dashboard. Then your coverage will be cancelled at the end of your current period. If you wish to cancel on a particular date or want to cancel a plan with fixed travel dates, contact us via live chat or by emailing support@safetywing.com. Please note your premiums will be refunded in full if we receive the cancellation request before the start date of your active insurance period. If we receive the cancellation request after the start date of your active insurance period, the unused portion of your premiums will be refunded only if you haven’t filed a claim. 

Complete

Complete plans are a 12-month commitment. You can request cancellation within the first 15 days of your coverage starting or when it renews. 

Mid-year cancellations are not permitted unless a qualifying life event occurs. The following are considered qualifying life events:

• Change of employment

• Relocation outside of the 175+ countries of coverage

• Change in relationship status 

Essential Your Nomad Insurance Essential policy can auto-extend every 28 days, up to a maximum of 364 days, or you can pay upfront for a set amount of days, with a minimum of 5 days and a maximum of 364 days.

After reaching the 364-day limit, a new plan will automatically begin to maintain your coverage. Please note that any conditions that arise during your previous plan will be considered pre-existing under the new one and will not be covered. If you are looking for coverage for long-term conditions the Complete plan is the recommended option.

You can submit a claim anytime when your plan is active and once it ends you have up to 60 days to file claims for eligible expenses incurred when it was active. Complete Nomad Insurance Complete plans are automatically renewed annually, providing uninterrupted, long-term coverage for life as long as you continue to pay on time.

For Nomad Insurance Essential you can choose to pay upfront for fixed dates or choose a subscription model where your plan automatically extends every 28 days. If you are traveling for more than 4 weeks or making multiple trips throughout the year, choosing to auto-extend your Nomad Insurance Essential plan every 28 days is a better deal, for the same price you:

• Get access to our subscription-only add-ons for adventure sports and electronics theft coverage.

• After 364 days of continuous coverage, your next plan can cover illness or injury that began during that period, but that you haven't yet seen a doctor for (as long as it's not a general exclusion, or considered to be untreatable or will get worse with time). This is a special allowance for our subscription plan holders. Normally, any symptoms you experience would be considered a pre-existing condition, and would not be covered in future plans.

• Get exclusive access to our referral program and earn $20 for every person you refer to Nomad Insurance.

• Can easily stop your auto-extensions anytime through your dashboard, instead of having to manually contact Customer Care.

Essential US citizens can buy the Essential plan. The only consideration is that the US add-on is not available for US citizens or residents.

Complete US citizens can buy the Complete plan as long as they live outside the US for at least 6 months out of the year (i.e., they are not currently US residents).

One of the key advantages of Nomad Insurance is that you can purchase it anytime, whether or not you’re already abroad. This flexibility applies to both the Essential and Complete plans, just keep in mind that for the Essential plan your coverage only starts when you leave your home country.

Many members have successfully used Nomad Insurance for visa applications, for example Schengen. However, we cannot guarantee that Nomad Insurance Essential or Complete will be accepted by all authorities, as visa requirements differ between countries and situations. If you have specific requirements that your insurance plan needs to meet, please send us the list via support@safetywing.com and we’ll check whether our plan aligns with them.

Some countries require proof of health coverage to enter the country or to apply for a visa. If you are looking for proof of insurance, you can download the visa letter/certificate of coverage which can serve as proof of coverage at any moment from your dashboard or you can request it from our Customer Care team via Live Chat or email at support@safetywing.com. Please make sure you’re logged into your account or using the email associated with your account.

The letter will serve as proof of insurance.

You don’t need to know your destinations or have a travel itinerary in advance to purchase Nomad Insurance Essential or Complete. Both plans provide coverage in most countries worldwide, with a few exceptions. Your coverage travels with you, so there’s no need to buy a new plan or notify us when you move to a new destination.

If you don’t have an active Essential plan: You can purchase Nomad Insurance Complete directly by clicking ‘Buy now’ on the Complete plan card, either on the landing page or from your dashboard.

If you have an active Essential plan: You don’t need to wait for your current plan to end before switching to Nomad Insurance Complete. You can click ‘Buy now’ on the Complete plan card—either on the landing page or from your dashboard—to start the process of switching to the Complete plan.

Once you begin the process, you’ll complete a short application for Complete. While your application is being reviewed, your Essential coverage will continue as long as your subscription remains active.

• If your Complete application is approved: Your Complete plan will start on one of the following two dates: either the 1st or the 15th day of the month following approval and we’ll automatically cancel and refund any unused days from your Essential plan.

• If your application is denied: Your Essential plan will stay active, so you’ll remain covered.

Essential With the Nomad Insurance Essential plan, children aged 14 days to 9 years can be added at no extra cost for up to one child per adult, with a maximum of two children per group.

Complete You can get a 10% rate reduction on your Nomad Insurance Complete plan if you choose to pay annually instead of monthly.

Essential You can read the full policy of the Essential plan here.

Complete You can read the full policy of the Complete plan here.

Essential When signing up for Nomad Insurance Essential you’ll be asked to provide your home country. Your home country is where you principally reside and receive regular mail. In case of not having a permanent address your home country is also where you would return once done traveling, or where you would want to be returned in case of trip interruption or repatriation.

Complete When applying for Nomad Insurance Complete you’ll be asked to provide your country of residence. Your country of residence is the country in which you will reside for most of the policy year (more than 6 months).  If you don't spend 6+ months in any one country per year, your country of residence would be where you spend the most time.

Essential The minimum number of days for which you can buy coverage is 5 days, and the maximum is 364 days. To check the price for specific dates, use the pricing calculator, select Essential, and choose ‘Pay in full for specific dates’.

Complete The Complete plan requires a 12-month commitment. At the end of the year, you can choose to renew or cancel. If you cancel partway through the year, you may receive a refund of up to 65% for unused coverage—unless you have a qualifying life event (such as getting married and joining your spouse’s health insurance), in which case you’ll receive a full refund.

Essential You can purchase the Essential plan up to age 69. If you turn 70 during your coverage period, your plan will remain valid until the end of that term with no option to buy a new one.

Complete The Complete plan is available for those under 64. However, if you purchase it before turning 64, you can continue renewing it for life with no age limit.

Nomad Insurance does not have a deductible on either plan! This means that there is no amount that you would owe before you would be reimbursed for approved claims.

Essential

Nomad Insurance Essential provides coverage for unexpected illness or injury for those traveling outside their home country. This includes eligible expenses for urgent care, hospital, doctor or prescription drugs. As long as the condition and treatment are covered under the terms of the policy, you will be covered for eligible medical expenses.

In addition, Nomad Insurance Essential provides travel-related benefits such as evacuation from local unrest, unplanned overnight stay and lost checked luggage.

Read more about Nomad Insurance Essential coverage here.

Complete

Nomad Insurance Complete provides coverage for both unexpected illness, injuries and urgent care, plus routine check-ups, preventive care, vaccinations, mental health treatment, chronic condition management, and broader outpatient and inpatient services. In addition, Nomad Insurance Complete provides most of the emergency travel-related benefits offered on Essential plus additional ones like coverage for burglary, canceled accommodation, delayed luggage, and more. Read more about Complete coverage here. 

Regarding COVID-19, you're covered for medically necessary treatment and tests as well as quarantine mandated by the relevant health authority. The antibody test is not covered, as it is not medically necessary. 

Coverage works the same as any other illness as long as it was not contracted before your coverage start date, and does not fall under any other policy exclusion or limitation.

Essential

Nomad Insurance Essential covers emergency medical treatment for unexpected issues during your visits home, as long as the visit was not for the purpose of obtaining treatment for an illness or injury that began while abroad. For every 90 days, you are covered for up to 30 days in your home country (15 days if your home country is the US), for unforeseen eligible medical conditions.

If you stay in your home country longer than 30 days (15 for USA), your coverage is paused until you leave. The coverage resumes once you are out of the country again. You can’t accumulate extra days; only 30 days (or 15 days if your home country is the US) are available per 90-day period.

Complete

With Nomad Insurance Complete, you are fully covered in your country of residency, just as you would be in any other country—no time limits apply.

In case of an accident, while riding a motorbike, moped, or scooter, you are covered for eligible medical expenses as long as you are properly licensed for the area where you are driving and you are wearing proper safety gear such as a helmet. If you are driving a scooter/motorbike larger than 50cc, you need the Adventure Sports add-on if you are on a Nomad Insurance Essential plan, if you are on the Nomad Insurance Complete plan you don't need the add-on to be covered. Driving while intoxicated and racing are excluded. Personal liability is excluded for operating any vehicle.

You need to check with local authorities if your driver's license is accepted in that area/state/country.

Essential

For covered sports, you are covered for attending classes, solo training, attending private lessons and informal training with a group. Important conditions:

• If you are a professional athlete or an instructor, you are not covered while practicing, publicly performing or teaching your sport or activity.

• The sport or activity cannot involve a professionally organized practice or intention to compete. 

• There can be no wage, reward or profit connected to you doing the sport or activity.

• You are not covered for exploratory expeditions, for example in, Antarctica, the Arctic Circle or Greenland. 

• You are only covered when using certified, official paths. You are not covered when going off-path, off-trail and off-course, or when going on unauthorized paths. 

• You must ensure the sport or activity is adequately supervised and that appropriate safety equipment (such as helmet, life jackets, etc.) are worn and used, according to what each sport or activity requires.

• You must wear a helmet during the use of a moped or a motorcycle.

• You must have an appropriate, valid license or certification where required (for e.g., aviation, scuba diving [PADI/NAUI/SSI/BSAC], motorized vehicle).

• Any sport or activity at elevations of 4,500 meters altitude or higher is not covered except as described under the Adventure sports add-on. 

• The list of covered sports and activities is not exhaustive but is intended to help you get a picture of what is covered.

• If an activity is not listed, we will assess and determine coverage based on the risk of the activity and whether similar sports are covered in that category.

• Excluded in home country.

Covered sports and activities

• Airsoft

• Angling

• Archery

• Badminton

• Ballooning

• Ballet

• Banana boating

• Baseball

• Basketball

• Bicycle touring

• Bodyboard

• Bowling

• Bungee jumping

• Bushwalking 

• Camel riding/trekking

• Camping 

• Canoeing

• Canyon swing

• Canyoning

• Capoeira dancing

• Cave tubing

• Cheerleading

• Clay pigeon shooting

• Cricket

• Curling

• Cycling (including touring and organized tours)

• Deep sea fishing

• Dirt boarding

• Dog sledding (not racing or competing)

• Fell running/walking

• Fencing

• Fishing

• Flatwater rafting

• Flying as a passenger

• Flying fox

• Freediving

• Glacier walking 

• Golf

• Gymnastics

• Handball

• Hand plane

• Hiking 

• Horse riding

• Hot air ballooning as a passenger

• Human gyroscope

• Hunting (excluding big game)

• Hydrospeeding

• Ice skating (indoor or outdoor)

• Ice climbing under 4,500 meters altitude

• Jet boating

• Jet skiing

• Kayaking

• Land surfing

• Moped and motorcycle with an engine capacity up to 50cc

• Mountain biking 

• Netball

• Orienteering

• Paintballing

• Paipo board

• Pala

• Pilates

• Rambling

• Rap jumping

• Racquetball

• Rifle range shooting

• Rock climbing (not covered if solo)

• Roller blading

• Roller skating

• Rounders

• Rowing/sculling

• Safari tours

• Sailing

• Sandboarding

• Sand skiing

• Sea canoeing

• Sea kayaking

• Skateboarding

• Skiing (not covered off-piste and/or against the advice of the local ski school or local authoritative body)

• Skydiving indoors

• Sleigh rides

• Sledding

• Snorkelling

• Snow rafting

• Snowboarding (not covered off-piste and/or against the advice of the local ski school or local authoritative body)

• Soccer

• Softball

• Speed boating

• Squash

• Stand up paddle boarding

• Stilt walking

• Surfing

• Swimming

• Table tennis

• Tai chi

• Ten pin bowling

• Tennis

• Trail bike riding

• Trekking

• Tubing

• Tubing on snow

• Tuk tuk 

• Ultimate frisbee

• Via ferrata

• Volleyball

• Wake skating

• Wakeboarding

• Walking

• Water skiing

• Waterpolo

• Weightlifting, cardio and classes at the gym (note that training for or attending a powerlifting competition is excluded)

• Wind-foiling

• Windsurfing

• Wind tunnel flying

• Wing-foiling

• Yachting

• Yoga

• Zip line

• Zorbing

Adventure Sports Add-on

Those on subscription plans (as opposed to fixed-date plans) can also access our adventure sports add-on for an additional US$10 per 28 days, which in addition to the above covers the following activities:

• Acrobatics

• American football

• Aussie rules football

• Aviation

• Bicycle touring over 4500 meters altitude

• Bobsleigh

• Boxing

• Black water rafting

• Cave diving accompanied by an instructor certified by PADI/NAUI/SSI/BSAC

• Cave tubing

• Foiling

• Free-style skiing

• Hang gliding

• High diving

• Hockey

• Karting 

• Kitesurfing

• Martial arts

• Lacrosse

• Luge

• Moped and motorcycle with an engine capacity over 50cc 

• Motorized dirt bikes

• Mountain boarding

• Mountaineering at elevations under 6,000 meters altitude

• Parachuting

• Parasailing

• Paragliding

• Paramotoring

• Polo

• Rugby

• Ski/snowboard jumping

• Ski-flying

• Skiing/snowboarding acrobatics

• Skydiving

• Skeleton

• Snow kiting

• Snow mobile

• Spelunking

• Scuba diving up to the depths you or the accompanying instructor is licensed for

• Tandem skydiving

• Tobogganing

• Wrestling

The following sports and activities are not covered, even with the adventure add-on:

• All-terrain vehicles

• Base jumping

• Big game hunting

• Cliff jumping

• Heli-skiing

• Heli-gliding

• Hot air ballooning as a pilot

• Any activity at elevations over 6,000 meters

• Powerlifting (lifting at max weight with intent of competition)

• Racing by any animal, motorized vehicle, BMX, speed trials, or speedway

• Running with the bulls

• Skiing/snowboarding off-piste (outside marked territory or against advice of ski school/authority)

• Sky surfing

• Tractors

• Whitewater rafting

SafetyWing covers: Up to $100,000 in your lifetime

Complete

Nomad Complete plan provides coverage for sports without the need of an add-on. Some exceptions apply in cases of professional sports, or high-risk activities.

For both of our plans we do not cover organized athletics or professional sports or activities. What we mean by this is that the sport or activity cannot involve regular or scheduled practice and/or games or be performed in a professional capacity or for any wage, reward, or profit. For instance, if you are a professional athlete or instructor, you are not covered while practicing your sport.

We do cover you for classes you yourself sign up for at the gym, or lessons with a personal trainer, and also if you regularly get together with friends to perform a sports activity, as long as it is not organised athletics.

Essential

There are 3 add-ons available for Nomad Insurance: adventure sports for higher-risk activities, electronics theft, and travel to the US.

Adventure sports and electronics theft are priced at US$10 and US$20 respectively for every 4 weeks and are only available if you buy a subscription policy that auto-extends every 4 weeks. If you are travelling to the US, you can buy the US coverage add-on for either a subscription or fixed-date policy. The price will vary depending on your age (check the cost here).

We are not able to add or remove add-ons for policies that are already active. If you would like to add or remove an add-on, you must stop your current policy and buy a new one with the coverage you want. Please note that any conditions you experienced during your first plan will become pre-existing to the next one and will not be covered. Complete

Nomad Complete plan already provides coverage for sports, with some exceptions in cases of professional sports, or high-risk activities. Additionally, Nomad Insurance Complete also has the option to add the Hong Kong, Singapore, and US add-on, which we recommend if you need coverage in any of these countries for longer than 30 days, up to 6 months. If you are a resident of Hong Kong or Singapore, this add-on is required.

Essential

Below are some of the key benefits included in the Essential plan’s health coverage. Please note that the information has been summarized for simplicity. For detailed information—including conditions, limitations, exclusions and other benefits— review the policy document.

• Medically necessary treatment of unexpected illness or injury (inpatient or outpatient)

• Prescription drugs

• Ambulance and emergency transportation

• Emergency transportation to a better equipped hospital (medical evacuation)

• Return for medical reasons (repatriation)

• Care outside hospital

• Diagnostics (X-ray, MRI scan, CT scan, complete blood count)

• Rental of hospital bed or wheelchair

• Prosthetics

• Physical therapy or chiropractor

• Pain relieving emergency dental treatment

• Emergency dental treatment and surgery following an accident 

• Emergency eye exam 

• Pocket money while hospitalized (hospital indemnity)

• Visit from a family member in relation to serious illness or injury

• Cash payout if you lose limbs or eyes in an accident

• Complications of pregnancy

• Medical treatment of COVID-19

• Unexpected quarantine caused by COVID-19

Complete

The Complete plan covers most of the benefits mentioned above, including full UCR cost of emergency room care, hospital stays, surgeries, prescription medications, and lab tests or diagnostic tests when you are in the hospital. The maximum coverage limit is US$1.5 million per policy year. Below are some of the additional benefits included in the Complete plan’s health coverage. Please note that the information has been summarized for simplicity. For detailed information—including conditions, limitations, exclusions and other benefits— review the policy document.

• Intensive care unit

• Organ and tissue transplant

• Complementary therapies (such as osteopathy, chiropodist, podiatrist, chiropractic, homeopathy, dietitian and acupuncture)

• Congenital disorders 

• Inpatient emergency dental treatment

• Rehabilitation and specialized treatments 

• Nurse care at home

• Emergency transportation

• Terminal illness / palliative care

• Durable medical equipment 

• Health screenings and vaccines

• Maternity care 

• Newborn coverage and maternity complications

• Allergy treatments

• Physician and specialist visits

• Physical therapy and rehabilitation

• Outpatient psychiatric, psychologist or therapeutic treatment

• Diagnostic test services (including but not limited to pathology, X-rays or MRI/CT/PET scans)

UCR: Usual, customary and reasonable rates for the region

Essential

Below are some of the key benefits included in the Essential plan’s travel coverage. Please note that the information has been summarized for simplicity. For detailed information—including conditions, limitations, exclusions and other benefits— review the policy document.

• Unplanned overnight stay

• Lost checked luggage

• Stolen passport or travel visa

• An unforeseen event in your home country for which you to need to go home (trip interruption)

• Transportation home for your children if you are hospitalized

• Evacuation from local unrest (while you are traveling, if a travel warning is issued for the area you are located, the cost of transportation by the most economical means possible to either your home country or a nearby safe country is covered)

• Accommodation in a different place if a natural disaster causes evacuation

• Pet return if you are traveling alone with a pet but end up in a hospital so that the pet is left unattended, a one way ticket for your pet to your home country is covered

• Robbery under abduction and forced transportation

• Arrangement for your body if you die (burial or repatriation of remains)

• Cash payout to your beneficiary in case of accidental death

Complete

The Nomad Insurance Complete plan includes most of the travel coverage included in the Essential plan mentioned above, plus:

• Trip cancellation

• Burglarized accommodation

• Cancelled or inaccessible accommodation

• Delayed luggage

Please note that the information has been summarized for simplicity. For detailed information—including conditions, limitations, exclusions and other benefits— review the policy document.

Essential

To be eligible to claim for emergency dental pain relief treatment, you must have had an active insurance period of at least 14 days at the time the pain began. Complete For Nomad Insurance Complete, there is a 10-month waiting period for maternity benefits and a 36-month waiting period for HIV/AIDS treatment.

Essential ($100,000 lifetime max)

If you’re being treated somewhere that can’t provide the care you need, we’ll cover your transport (air, sea, or ground) to the nearest adequately equipped hospital. This plan doesn’t cover search and rescue. We’ll also cover a one-way economy ticket back to your original location or home country (up to $5,000), provided:

• Your illness or injury is covered under this insurance

• The attending physician confirms your life or a limb is at risk if you’re not moved and certifies it’s medically necessary

• SafetyWing approves and coordinates the transport in advance

• You (or someone on your behalf) agree to be transported

• The emergency isn’t caused by ignoring or failing to follow previously recommended treatment

Complete ($100,000 per plan year)

Evacuation is emergency transport (ground, air, water, etc.) to the nearest adequate facility that can treat your medical condition. The need for treatment must be life-threatening and critical, and treatment cannot be available at their current location.

Under this benefit, search and rescue is covered if you're at a recognized ski resort or similar winter sports resort. Search and rescue at sea or during off-site winter sports is not covered. 

Evacuation must be arranged/pre-approved in advance through the form in your dashboard. 

Repatriation benefit covers a return ticket in economy class on a commercial airline flight for the insured and one (1) companion to the place from which the insured was evacuated, provided that the trip is made within ninety (90) days of discharge and is approved in advance.

On the Nomad Insurance Complete plan you are covered for 15 visits per policy year for up to US$60 per visit for chiropractors, massage therapy, osteopaths, chiropodists, podiatrists, homeopaths, dieticians, and acupuncture, as well as therapies administered by a recognized traditional Chinese or an Ayurvedic medical practitioner. Nomad Insurance Essential doesn’t offer coverage for wellness and complementary therapies.

Essential The Essential plan doesn’t cover routine check-ups and preventive care. This plan is designed primarily for emergency and unforeseen medical expenses.

Complete Routine check-ups, preventive care, and vaccinations are covered under Nomad Insurance Complete. This plan is designed not only for emergencies but for ongoing medical conditions and preventative care.

Nomad Insurance Essential and Complete offer coverage for an unforeseen event in your home country for which you need to go home (trip interruption). A one way economy ticket for air or ground transportation to the area of your residence in your home country is covered if there was an unforeseen event there.

The unforeseen event must be caused by one of the following reasons:

• Fire or weather destroyed more than 40% of your residence. 

• Death of one of the following family members: Parent, spouse, sibling, child, grandchild.

In addition to the above, Nomad Insurance Complete covers you if you need to cancel an upcoming trip for one of the following reasons as long as you meet the important conditions outlined on the policy document: 

1. An illness or injury  2. Death of spouse, parent, child, grandchild or sibling  3. A natural disaster, terrorism or outbreak of war at the destination  4. A legal obligation such as jury duty or being called to active military service  5. A mandated quarantine  6. Your passport or other necessary travel documents were stolen

Essential

Only emergencies during pregnancy are covered. You are covered if you are pregnant and suffer from one of the following: ectopic pregnancy, miscarriage, hyperemesis gravidarum, pre-eclampsia, eclampsia, missed miscarriage and conditions of comparable severity. Please note this is only covered if the incident happens during the first 26 weeks of pregnancy

Complete

Complete covers Medically Necessary costs incurred during pregnancy and childbirth up to US$2,500, including pre and post-natal check-ups for up to 30 days following discharge. Newborn coverage and maternity complications including miscarriage requiring immediate surgical treatment are covered up to US$50,000. This benefit is subject to a ten (10)-month Waiting Period.

Essential

By default, Nomad Insurance Essential does not include coverage in the USA unless you purchase the US add-on.

Costs with the USA add-on:

• $100 co-pay per emergency room visit

• $50 co-pay per urgent care visit

Please note that the US add-on is not available for US citizens or residents.

Complete

Nomad Insurance Complete includes up to 30 days of emergency coverage in the U.S by default. If you need more than 30 days or the full plan’s coverage, you can purchase the Hong Kong, Singapore & USA add-on, which extends your US coverage for up to 6 months.

Essential

In the case of an unplanned overnight stay, SafetyWing covers the cost of reasonable accommodation and meals for up to two days with a limit of $100 per day. The delay must be caused by one of the following reasons:

• Your scheduled transportation by airplane/bus/train/boat that you had a valid ticket for, was delayed or canceled with no replacement, for at least 12 hours

• Your transportation must have been arranged by a company that has scheduled routes and ticketed passengers (so for example a taxi or rented bus is not covered even if it is 12 hours delayed). 

• You were part of a traffic accident while on your way to the departure airport (requires proof in form of a police report). 

• An organized labor strike, hijacking or quarantine held you up. 

• Your passport or other necessary travel documents were stolen (requires proof in form of a police report)

Complete

In the case of a delay of your transportation, you can get a reimbursement for incurred costs such as meals, lounge pass and accommodation. SafetyWing covers: $60 for a 3-8 hour delay or $150 for 8+ hour delays with an additional $150 per night after the initial 8 hours. Up to $450 per trip. Up to $900 per year. 

Important conditions:

• The delay is at least 3 hours for a $60 reimbursement, or at least 8 hours for a $150-$450 reimbursement ($150 per night after the initial 8 hours). 

• Your scheduled transportation by airplane/bus/train/boat that you had a valid ticket for, was delayed or canceled with no replacement within the time limits, or you were part of a traffic accident while on your way to the place of departure that caused you to miss the original departure incurring a rebooking later than the time limits. 

• Your transportation must have been arranged by a company that has scheduled routes and ticketed passengers (so for example a delayed taxi or rented bus is not covered).

• For delays from the area of your primary residence, you are only covered for the shorter delay ($60). 

• You will need to provide the following documentation: 

  • A copy of both the original travel itinerary and the actual itinerary.

  • Receipts for accommodation and meals.

  • Proof of transportation delay.

  • A police report if the delay was related to a traffic accident.

Essential

On the Essential plan If your luggage goes missing on your flight or cruise, you can get reimbursed for what was inside if it’s still missing after 10 days. SafetyWing covers: Up to $3,000 per active insurance period, up to $500 per item. Up to $6,000 in your lifetime

Important conditions:

• You had a ticket that was paid for and you were onboard the flight/ship.

• You must have filed an incident report with the airline/cruise line and completed their instructions and forms to attempt to retrieve your luggage. 

• You must provide the incident report you filed, as well as documentation from the carrier that the bag was checked and is still missing after at least 10 days. 

• You provide proof of the existence of your items before they went missing (for example with a receipt of the purchase). 

• We will determine the reimbursement value of your belongings based on valuations at the time of loss and market data available at the time of claim decision.

Nomad Insurance Essential doesn’t cover delayed checked luggage.

Complete

The Complete plan offers coverage for both lost and delayed luggage. If your checked luggage is delayed for over 6 hours, you can claim up to $150 per item, with a total reimbursement of up to $300 per year, and if your luggage is lost and not found within 10 days, you can claim up to $500 per item, with a total reimbursement limit of $6,000 in your lifetime.

Important conditions to claim for delayed luggage

• You are not covered for homebound transportation. 

• You must have filed an incident report with the airline/cruise line.

• You are not covered if customs or other regulatory authorities are holding your luggage.

Important conditions to claim for lost luggage

• You must have filed an incident report with the airline/cruise line and completed their instructions and forms to attempt to retrieve your luggage. 

• We will determine the reimbursement value of your belongings based on valuations at the time of loss and market data available at the time of claim decision. 

We will only pay for expenses after deducting any amounts you have received from the transportation provider.

Both of our plans Nomad Insurance Essential and Complete offer reimbursement for reasonable costs to replace your passport or visa if it was stolen. $100 per incident. Up to $300 in your lifetime Important conditions:

• You took reasonable care for the safety of your passport/visa.

• You have a police report submitted within 24 hours of the theft.

• You provide receipts for the costs associated with the replacement

Essential

Nomad Insurance Essential covers a one way economy ticket for air or ground transportation to the area of your residence in your home country if there was an unforeseen event in your home country.

The unforeseen event must be caused by one of the following reasons:

• Fire or weather destroyed more than 40% of your residence.

• Death of one of the following family members: Parent, spouse, sibling, child, grandchild.

Complete

If an unforeseen event occurs while you’re away from your primary residence, a one-way economy ticket and reasonable transportation to and from departure or arrival points are covered. 

The unforeseen event must be caused by one of the following reasons:

• Fire or weather destroyed more than 40% of your primary residence.

• If one of the following family members died or is on their deathbed: Parent, spouse, sibling, child, grandchild.

Important conditions: 

• A one-way economy ticket is covered for where you need to go, as well as reasonable transportation expenses to and from the place of departure/arrival.

• If the incident relates to the death of a family member, you can get covered to go to either the location of their death or the location of their funeral.

• Required documentation: 

  • Proof of the incident 

  • Tickets and receipts for the transportation

In case of a medical emergency, reach out to the local emergency number, or head to the nearest hospital.

You can go to any licensed hospital/clinic/doctor of your choice, private or public. If you are hospitalized, let us know via email or chat before you are discharged. You can also reach out to our team if you would like to set up direct billing with the hospital.

For most situations you can pay yourself and claim laterthrough your dashboard. Make sure you obtain the necessary documents, for example a medical report (our team can help you if you're unsure about what you need).

Essential: If the policy number on your insurance card starts with "NI-":

The SafetyWing team is available 24/7 and answers within minutes - reach out via chat or email support@safetywing.com. You can also call 24/7 assistance:

• International: +1 844 531 0151

• In the US: +1 415 707 8606

Complete: If the policy number on your insurance card starts with "NIC-":

The SafetyWing team is available 24/7 and answers within minutes - reach out via chat or email support@safetywing.com. You can also call 24/7 assistance managed by our insurance partner, VUMI:

• International: +1 855 276 8864

To file a claim, log into your SafetyWing dashboard and click "Make a claim.” Fill out a short form and upload your documents, receipts, and medical notes stating the treatment you had and why. We will keep you updated on progress, and you can also check the status of your claim in your dashboard. Typically, claims are reimbursed via bank transfer within 10 business days or less from the claims team confirming the reimbursement was made. If we need more information to process your claim, we will reach out through email. Please note that you are not required to provide claim documents translated into English, and they should be submitted in the original form or language in which you received them.

File a claim here

Reach out to customer care if you need help.

When submitting a claim we will need documents that support your claim, and they will vary depending on what it is.

For all claims we need:

• Original receipt(s) for proof of payment

• Original invoices outlining what each service or item cost, not just the total spent

For medical claims:

• Medical reports outlining your symptoms, when they started, diagnosis, treatment plan

• Any relevant prescriptions or test results

• Any other relevant medical reports such as lab work, scans, and x-rays

• Accident report from police, ambulance, tour guide if applicable

For travel-related claims:

• Original and updated itineraries

• Proof of any transportation delays or disruptions (e.g., airline confirmations or official notices)

• Proof of ownership for lost or stolen belongings

• Relevant supporting documents (like police reports or incident reports)

Remember to include your full name and the relevant dates on all documents. Depending on your specific situation, we may request additional information.

You can make a claim in your dashboard. Typically, claims are reimbursed in 10 days or less via bank transfer. If we need more information to process your claim, we will reach out through email. Please note that you are not required to provide claim documents translated into English.

One of our advantages is that for both of our plans, Essential and Complete, you can go to any licensed hospital/clinic/doctor of your choice, private or public. 

Card limits are only restored once previous expenses have been approved. If a claim is denied, that amount will be permanently deducted from your card. This is why it is so important for you to be sure that a certain expense will be covered before using your card to pay for it.

If you’re not sure whether something is covered, you can check by reading your plan document or requesting pre-approval in your dashboard.

If a claim is denied you will receive a written explanation of why it was denied. If you do not agree with our decision, you can always appeal the decision by contacting us via our online chat on safetywing.com or via support@safetywing.com for further appeal process instructions.

Nomad Insurance Essential doesn’t require any pre-approval process since it’s only meant to be used for unexpected issues. For the Nomad Insurance Complete plan Pre approval is required only if procedure is one of the below listed and its cost is above $500, if it is not listed below or its value, is below $500, pre approval is not required:

- All Hospital Admissions - All hospital or outpatient surgeries - Any major procedures, such as MRI’s, CT Scans, PET Scans, gastroscopies, colonoscopies, biopsies, etc. - Physical and rehabilitative therapy, home health care or Private Nurse or Therapist - Nasal or reconstructive procedures - Emergency Transportation by Air Ambulance - Durable Medical Equipment or any special medical device - Repatriation or cremation of mortal remains - Outpatient mental health - Complementary therapies We need to know about procedures costing more than US$500 in advance to assess medical necessity, manage healthcare costs, and confirm that the procedure is covered under your plan so that you are not stuck with a large bill if it isn’t. You will also have the option to request that we pay the healthcare provider directly.

Visit your dashboard to request pre-approval if you suspect an upcoming treatment will cost more than $500. If you do not get pre-approval first and pay and claim as normal for something that costs more than this, you may get back 30% less on your reimbursement.

Important note for emergencies

If you pay and claim for an emergency that ended up costing more than US$500, please let us know by clicking "I have an emergency" in your dashboard within 72 hours of the emergency, otherwise you may get back 30% less than what you paid even if everything was fully covered.

Essential

The Essential plan does not cover pre-existing conditions, high-risk or professional sport activity, regular check-ups, cancer, or maternity, in addition to flights, accommodations or excursions that were canceled before you left or certain lost/stolen belongings. .

Complete

The Complete plan also does not cover pre-existing conditions, as well as aesthetic or cosmetic treatments, orthodontic treatment, obesity or weight control treatments, over-the-counter medications, birth control, professional sports or gym or fitness memberships. .

We have different definitions for pre-existing conditions based on the coverage level, so we recommend you carefully read and understand the definition for the plan you intend to sign up for. 

Essential

4.0 Plan

A pre-existing medical condition is any injury, illness, disease, or medical condition for which, in the 180 days before the start date of the insurance (“lookback period”), you: 1. Received or was recommended medical advice, diagnosis, care, or treatment; 2. Had medication prescribed, changed, or its dosage altered; or 3. Had signs or symptoms that would prompt a reasonable person to seek medical attention. Note: We do not ask medical questions before you buy. Conditions meeting the definition above are not covered. If you continue to be covered by Nomad Insurance Essential under a new plan after having reached 364 consecutive days of coverage under a single active insurance period: → For new illnesses or injuries, the 180-day lookback period no longer applies to subsequent plans, except for illness or injury that is to become worse over time. 3.0 Plan

A pre-existing condition is any illness or injury to which one of the following applies: 1. You received a prior diagnosis or treatment for the illness or injury within 2 years before of the start date 2. You experienced symptoms within 2 years before the start date* 3. There is reasonable medical certainty that the illness or injury existed within 2 years before the start date. This means that even without your knowledge it can be considered a pre-existing illness or injury* *if you continue to be covered under a new policy after having reached 364 consecutive days of coverage, you won't be subject to conditions 2 and 3, except for illness or injury that is untreatable and expected to become worse over time.

Complete

A pre-existing condition is any illness or injury for which you received treatment or diagnosis in your life, and any illness or injury you have experienced symptoms in the last two (2) years.

Why we don't cover them

In general, covering pre-existing conditions would vastly increase the price of the insurance, as we would have to cover everyone’s existing health issues. By excluding pre-existing conditions, we can keep prices lower and focus on covering new, unexpected health issues that arise after the plan starts.

If a travel warning is issued for the area you are located while abroad, you are covered for the cost of evacuation by the most economical means possible to either your home country, a safe country that is nearby, or a location that is otherwise reasonable (e.g., you have family members located there).

Important conditions:

• The start date of your active insurance period was before the travel warning was issued.

• There was no travel warning in place when you arrived in the area.

• You evacuate the area within 10 days of the travel warning being issued. (We acknowledge that this may be difficult given the airspace situation. We recommend you book the first available flight out to guarantee your safety.)

• You will need to provide the following documentation:

  • Proof of you being located in the area of the travel warning (e.g., visa page, accommodation, etc.)

  • Tickets and receipts for the evacuating transportation

Travel warning update -- Middle East Conflict (updated on 4 March, 2026, 13:37 UTC)

Due to the ongoing conflict involving Iran, Israel, and the US, the US Department of State and UK FCDO have issued new travel warnings for several countries in the region. Where these new warnings are in place, you may be eligible for the Evacuation from Local Unrest benefit if you are affected.

Current travel warnings:

• Bahrain (28 February, 2026)

• Kuwait (1 March, 2026)

• Qatar (1 March, 2026)

• Israel (1 March, 2026) [The benefit would only apply to regions that did not previously have a travel warning before this date (e.g., evacuation from the West Bank or Gaza Strip, among other regions, would not be covered).]

• Jordan (2 March, 2026)

• United Arab Emirates (2 March, 2026)

• Cyprus (3 March, 2026)

• Oman (3 March, 2026)

• Saudi Arabia (3 March, 2026)

Members with a start date between March 31 and September 9 were given a version of the policy that has since been updated, effective as of October 1, 2026.

We have made two material changes:

1. The definition of a pre-existing condition definition is being reverted to “Any illness or injury for which you received treatment or diagnosis in your life, and any illness or injury you have experienced symptoms in the last two (2) years.”

2. We have updated the conditions that apply to mid-year policy cancellations.

“Mid-year cancellations are not permitted unless a qualifying life event occurs. The following are considered qualifying life events:

• Change of employment

• Relocation outside of the 175+ countries of coverage

• Change in relationship status 

Plan Changes: Mid-year plan changes are not allowed, even if no claims have been submitted.  As a general rule, any change with an improvement of benefits, will be subject to a waiting period. If the new plan includes maternity care benefits, a ten (10)-month Waiting Period will apply. The benefits that did not exist in the previous plan must meet the corresponding Waiting Periods. The Company reserves the right to accept or deny the change of plan for any reason.”

The following are non-material changes to correct one-time errors.

All plans

• Gene therapy was included in error, now removed

• Diabetes, insulin-related treatments, and metabolic therapies removed in error, now added back

• Exclusion for HPV-related disorders and genital herpes removed in error, now added back

• Exclusion for sleep disorders, Alzheimer’s and autism removed in error, now added back

• Exclusion for professional sports removed in error, now added back

Standard only

• Emergency dental coverage removed in error, now added back

Premium Plus only

• The annual outpatient limit is $7,500, not $6,000.

• The annual screenings & vaccines limit is $1,000, not $1,500.

SafetyWing’s vision is to create a global social safety net so that opportunity and freedom aren’t determined by where you live or work. We want a future where everyone can access a safety net regardless of where they were born. 

It’s important to us that the information we provide about our coverage and benefits is clear and transparent. You can find these details in our policy terms, Certificates of Coverage, and this FAQ. If you have any further questions, please don’t hesitate to reach out via our 24/7 live chat in the bottom right hand corner of this page.

SafetyWing is licensed as an international insurer but also works with other regulated insurance carriers and licensed partners to make coverage available internationally. Our structure allows us to provide coverage to globally mobile individuals and distributed companies while operating within applicable regulatory frameworks.

Simply speaking, it means that SafetyWing is a recognized international insurer and can provide coverage for you in 180+ countries.

The insurance coverage is provided by regulated and licensed underwriting entities. The underwriting entity for each product is clearly disclosed in the policy terms and in the Certificate of Coverage issued to our members.

For example:

• SafetyWing Insurance I.I. is a Puerto Rico-domiciled international insurer (Classes 3 & 5) 

• Certain health benefits are underwritten by VUMI®, a Puerto Rico-domiciled international insurer, administered by VIP Administration Services LLC, and offered in partnership with SafetyWing

You can see more details on Puerto Rico’s Department of State website.

All that said, SafetyWing handles all aspects of product design and customer service and support ourselves.

Puerto Rico provides a regulatory framework for international insurers so that, with our partner carriers, SafetyWing Insurance I.I. is able to offer insurance designed for people who live, work, and travel across borders.  

A licensed insurance company is financially responsible for the policy it underwrites and the claims covered under it. The underwriting insurer is the entity that ultimately bears the insurance risk.

Claims are reviewed based on the policy terms. What’s covered depends on the plan you choose and whether you meet the policy requirements, which are laid out in your policy document. 

When you file a claim, we ask for supporting documents like receipts or medical records. We try to keep this straightforward, but what we need depends on the situation. We must do this to make sure everyone is being covered fairly, under the same terms.

The most common reasons claims get denied: the condition existed before your coverage started (pre-existing conditions aren't covered on our travel medical plan), or we didn't receive the requested documentation to verify the details of your claim. 

When a member disagrees with a claim decision, we’ll review the case under your policy terms and conditions. Members can appeal a claim decision up to 2 times. Each appeal is handled differently and reviewed by different teams, to ensure objectivity. 

If, after 2 appeals, we are unable to reach a resolution, members can choose to involve an independent third-party provider to help resolve the matter. This does not cost anything for the member. You can learn more about the provider here.   

Always check your policy document for the applicable dispute resolution options and procedures.

We want to make products that are so good that people will tell their friends about it, and we believe that is better than widespread, non-targeted advertising. So we work with ambassadors, partners and communities to share information about our products designed for people living internationally. 

Partners help introduce our services to relevant audiences, but coverage terms, eligibility and claims decisions are always determined based on a member’s specific policy terms, regardless of whether the member was referred by an ambassador or found us on their own.

For more information about our ambassador program, click here.