How good is SafetyWing Travel Insurance: Review 2025

Our expert’s opinion on SafetyWing

Last update: July 18, 2025

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4

Score

4

Score

A. FruchardInsurance expert

SafetyWing provides two complementary travel insurance solutions in Canada under its "Nomad Insurance Complete" package, bundling "Travel by SafetyWing" for trip protection and "Nomad Health" for global health coverage.
The travel component offers focused benefits like compensation for transportation and baggage delays, trip interruption, theft, and unique extras such as coverage for pet or child care if hospitalized, but with yearly and lifetime maximums and certain per-item limits.
The global health policy extends up to US$1,500,000 per year across hospital, surgery, medication, diagnostic, rehabilitation, mental health, and limited maternity, but excludes prior conditions and certain treatments.
Plans are best suited to younger travelers, digital nomads, and expats seeking world-wide flexibility and who are comfortable with fully online policy management.
The policy is underwritten by VUMI Group, noted for robust international health operations and reliability, but specific financial ratings or assets under management are not disclosed publicly.
No public customer satisfaction score or claim processing time is available for Canada, though SafetyWing promises 24/7 multilingual support and offers full digital claims intakes, catering well to people requiring remote assistance.

Pros

• ✅100% digital application and claims process
• ✅Evacuation for local unrest included
• ✅Pet and child travel support if hospitalized
• ✅Optional global health coverage to US$1,500,000
• ✅Global coverage excluding only primary residence
• ✅Second Medical Opinion VIP® by VUMI
• ✅24/7 customer support in all time zones

Cons

• ❌No coverage for pre-existing medical conditions
• ❌Strict age limits (up to 65 years for new policies)
• ❌No coverage for Canadian residents
• ❌Benefit limits on key trip protections
• ❌No public claim satisfaction data

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In partnership with our provider

4

Score

4

Score

ProsCons

• ✅100% digital application and claims process
• ✅Evacuation for local unrest included
• ✅Pet and child travel support if hospitalized
• ✅Optional global health coverage to US$1,500,000
• ✅Global coverage excluding only primary residence
• ✅Second Medical Opinion VIP® by VUMI
• ✅24/7 customer support in all time zones

Our expert’s opinion on SafetyWing

Last update: July 18, 2025

A. FruchardInsurance expert

Pros

• ✅100% digital application and claims process
• ✅Evacuation for local unrest included
• ✅Pet and child travel support if hospitalized
• ✅Optional global health coverage to US$1,500,000
• ✅Global coverage excluding only primary residence
• ✅Second Medical Opinion VIP® by VUMI
• ✅24/7 customer support in all time zones

Cons

• ❌No coverage for pre-existing medical conditions
• ❌Strict age limits (up to 65 years for new policies)
• ❌No coverage for Canadian residents
• ❌Benefit limits on key trip protections
• ❌No public claim satisfaction data

Discover the offer

In partnership with our provider

4

Score

4

Score

ProsCons

• ✅100% digital application and claims process
• ✅Evacuation for local unrest included
• ✅Pet and child travel support if hospitalized
• ✅Optional global health coverage to US$1,500,000
• ✅Global coverage excluding only primary residence
• ✅Second Medical Opinion VIP® by VUMI
• ✅24/7 customer support in all time zones

SafetyWing provides two complementary travel insurance solutions in Canada under its "Nomad Insurance Complete" package, bundling "Travel by SafetyWing" for trip protection and "Nomad Health" for global health coverage.
The travel component offers focused benefits like compensation for transportation and baggage delays, trip interruption, theft, and unique extras such as coverage for pet or child care if hospitalized, but with yearly and lifetime maximums and certain per-item limits.
The global health policy extends up to US$1,500,000 per year across hospital, surgery, medication, diagnostic, rehabilitation, mental health, and limited maternity, but excludes prior conditions and certain treatments.
Plans are best suited to younger travelers, digital nomads, and expats seeking world-wide flexibility and who are comfortable with fully online policy management.
The policy is underwritten by VUMI Group, noted for robust international health operations and reliability, but specific financial ratings or assets under management are not disclosed publicly.
No public customer satisfaction score or claim processing time is available for Canada, though SafetyWing promises 24/7 multilingual support and offers full digital claims intakes, catering well to people requiring remote assistance.

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Why trust HelloSafe?

At HelloSafe, a travel insurance expert reviews each year the general terms and pricing of 41 travel insurance providers operating in Canada, to deliver an analysis that is both reliable and impartial. Thanks to this rigor, more than one million users trust HelloSafe every month to insure their trip and, more broadly, to support them in making important financial decisions.

SafetyWing Coverages

SafetyWing’s short-stay travel insurance, called the Travel by SafetyWing plan, is a single, flexible option designed for digital nomads, remote workers, and long-term travelers who need temporary coverage abroad. There are no distinct basic or premium levels; instead, this plan provides wide-ranging coverage for trip interruptions, some cancellations, travel inconveniences, evacuation, luggage, and various liabilities, with specified annual and per-incident maximums in USD (converted to CA dollars at current rates).

Its key positioning is competitive through worldwide eligibility (with country exclusions), supplementary trip protection that even includes pet and childcare support, and select evacuation benefits that are not always standard among competitors.

SafetyWing stands out with dynamic benefit triggers like reimbursement for accommodation canceled on arrival, coverage for family or pet transport if you are hospitalized, and flexible coverage worldwide, though it lacks high medical and hospitalization coverage and excludes Canadian residents, which are notable gaps.

There are other more specific benefits. SafetyWing uniquely covers pet and child transportation costs when a policyholder is hospitalized for more than 36 hours, ensuring dependents are cared for during emergencies.

In addition to its standard plan, SafetyWing also offers the Nomad Health insurance for global health coverage up to $2 million CAD per year, with extended benefits such as hospitalization, outpatient care, mental health, and cancer treatment, designed for digital nomads who need comprehensive long-term health insurance abroad.

Compare travel insurance plans to make sure you find the best price or coverage to match your needs.

SafetyWing Exclusions

SafetyWing applies exclusions in line with standard international travel insurance policies but also has a few notable areas worth knowing. It excludes chronic or pre-existing medical conditions, some high-risk activities, and routine medical care or pregnancy. Incidents caused by war, professional sports, negligence, or criminal activity are also not covered. These exclusions reflect a balanced and clear framework, though SafetyWing’s acute onset coverage for certain pre-existing conditions is slightly more flexible than average.

SafetyWing Prices

SafetyWing is positioned as an affordable and accessible digital-only provider, with low distribution and administration costs thanks to its fully online model.

Coverage limits are adequate for most needs but generally lower than high-end competitors, with several benefits subject to incident or annual maximums rather than unlimited caps.

Deductibles are modest but not the lowest, and some exclusions (like no routine medical care or limited baggage cover) help contain costs.

Compared to major brands or premium all-risk plans, SafetyWing is more affordable for long-stay and nomad travelers, but may be too limited for those needing broader or top-tier coverage.

These prices are provided for information purposes based on one week of travel in Europe. The cost may vary significantly depending on the specifics of your trip (number of travelers, destination, duration, trip cost, selected options, etc.). We recommend running a simulation on HelloSafe.

SafetyWing Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best travel insurance providers.

How much will I be reimbursed with SafetyWing?

With SafetyWing’s highest-tier Nomad Health plan, you are reimbursed quickly and transparently after submitting your claim, with coverage for emergencies, travel mishaps, and cancellations up to the policy’s generous annual limits.

✅ Example 1: Medical emergency and hospitalization in France
Total cost of care: $4,200 (hospital stay, surgery, prescriptions)
Deductible for the policy: $250 Reimbursed amount after deductible with Nomad Health: $4,200 – $250 = $3,950
? You receive a reimbursement of $3,950.
ℹ️ Annual coverage limit for medical emergencies is up to $2,000,000 per person with the Nomad Health plan.

✅ Example 2: Lost checked luggage on return to Toronto
Total cost of lost belongings: $1,800
No deductible applies
Reimbursed at 100% with Nomad Health: $1,800 × 100% = $1,800
? You receive $1,800, as long as it is within the maximum yearly baggage coverage.
ℹ️ Maximum limit for lost checked luggage is $3,000 per year and $6,000 total lifetime under SafetyWing's top tier.

✅ Example 3: Trip cancellation due to family emergency
Total non-refundable costs: $2,200 (flights, hotels, activities)
No deductible applies
Reimbursed at 100%: $2,200 × 100% = $2,200
? You receive a reimbursement of $2,200.
ℹ️ Trip cancellation must be for a covered reason (such as illness, death in the family, or natural disaster) and reported with supporting documents.

SafetyWing Support

SafetyWing delivers efficient and responsive assistance, with a strong focus on digital contact and simple processes for claims or questions.
Its 24/7 support via email and online chat is a real plus for travelers in different time zones. However, the absence of a dedicated WhatsApp number or recognized mobile app distinguishes it from some more tech-advanced competitors.
The claims process is fully online, but telephone assistance is the primary channel for complex emergencies.
Advance payments for hospital medical expenses are available, ensuring solid reassurance for major incidents.

SafetyWing Reviews

We analyzed the reviews about SafetyWing.

On the positive side, policyholders who purchased a plan from SafetyWing for their trip often mention:

• An affordable price point relative to the benefits offered, particularly for long-term and digital nomad travelers.
• A flexible subscription system with the ability to pause or renew monthly, fitting various travel plans.
• An easy online signup process and straightforward policy management through the website.
• Responsive and kind customer service, especially for basic inquiries and emergencies in multiple time zones.

On the negative side, they mention:

• A somewhat slow or complicated claims reimbursement process, with some users reporting administrative delays.
• The absence of a mobile app, which limits immediate management of claims or documentation.
• Coverage gaps, for example with pre-existing conditions or certain travel disruptions.
• Limited direct billing options, often requiring travelers to pay out of pocket and wait for reimbursement.
• Occasional clarity issues about specific exclusions or fine print in multi-country coverage.

Customer testimonial

'My checked bag was delayed for over 10 hours on my flight to Rome. I filed a claim through the SafetyWing website and, after submitting receipts, was reimbursed €140 (approx. $205 CAD) for essentials. The online support was responsive enough to guide me through the process, which was straightforward. The coverage was helpful to get me by until my bag finally arrived. The claim was handled as described in their policy.'
Michael, 34 years old

SafetyWing Contact

FAQ

A. Fruchard

Insurance expert

Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.