Safetywing Complete Insurance for Digital Nomads [2025]
One of the most important—yet most overlooked—aspects of living the digital nomad lifestyle is getting comprehensive international health insurance. To help you decide which digital nomad insurance is right for you, we’re doing a deep dive into the new Safetywing Complete Insurance for digital nomads.
In December 2024, Safetywing Nomad Insurance introduced two new plans: Essential and Complete. The Safetywing Complete insurance is a comprehensive travel medical insurance with unique travel benefits, perfect for digital nomads and expats living abroad long-term!
Whether you’re looking to level up your insurance coverage while traveling from country to country or are applying for a digital nomad visa, Safetywing Complete insurance for digital nomads will give you peace of mind about your health and finances.
So, let’s dive into the new Safetywing Nomad Insurance plan and see if it’s the right policy for your digital nomad lifestyle!
Why Digital Nomads Need International Health Insurance
Understanding the difference between international health insurance and travel insurance is the first step to answering the question of why digital nomads need international health insurance.
International health insurance offers comprehensive coverage for medical expenses, including preventative care, maternity, mental health, and more. While travel insurance only covers medical emergencies along with other travel-related interruptions.
Digital nomads who spend more time traveling abroad than at home in their country of origin can definitely benefit from an international health insurance policy. While wandering the globe, experiencing rich cultures, and seeing incredible iconic sites, it’s still important to take care of your physical health! And you can do exactly that with digital nomad insurance.
Routine and Preventative Medical Care
Going to the doctor isn’t just for when you aren’t feeling well! It’s important to have preventative care appointments and checkups to ensure your health is on the right track.
From routine dental cleanings to cancer screening tests for women from gynecologists—international health insurance can take care of these things for you.
Medical Emergencies
We hope you never ever experience a medical emergency while traveling abroad. But, it’s important to have medical insurance coverage in case of an emergency. Whether it’s an accident, appendicitis, or a necessary surgery, you’ll feel confident going into the hospital knowing your bills are covered.
Digital Nomad Visa Applications
If you’ve decided to apply for a digital nomad visa and live abroad for a year or more, you’ll need a comprehensive international health insurance policy to include in your application. This is to show that if you get sick or require a doctor, you have insurance that covers you in that country.
What is Safetywing Complete Insurance for Digital Nomads?
Previously, Safetywing travel medical insurance offered a plan called Remote Health. But they replaced this option with the Safetywing Complete insurance plan!
This is a comprehensive travel medical insurance that remote workers and expats can use when they travel or live abroad. So, you can live freely while still prioritizing your health!
Comprehensive Medical Insurance
With Safetywing Complete, you’ll have coverage for routine medical checkups and emergencies. So, if you need an annual blood test or pap smear, it’s covered under Safetywing Complete!
On the other hand, if you’re in a motor accident and need X-rays or MRIs, Safetywing Complete also covers hospitalization and tests. Your health is completely insured and covered, from having the sniffles to accidents to mental health services.
We’ll dive into exactly what coverage Safetywing provides with the Complete plan later in this article.
Worldwide Coverage (with some exceptions)
Safetywing Complete offers full global coverage in over 175 countries and even offers coverage in your home country during short visits, provided that it is not Hong Kong, Singapore, or the United States.
If you would like coverage in the US, Hong Kong, or Singapore, there is an add-on option for limited medical insurance.
Travel Insurance Benefits
What’s super unique about Safetywing Complete is that it doubles as travel insurance. This is one of the most appealing features for digital nomads. If your trip is delayed or canceled, your baggage is lost or delayed, or your passport or wallet is stolen, Safetywing Complete protects you!
Free Choice of Doctors and Hospitals
Unlike other medical insurance policies, you are not tied to a network of doctors and hospitals when you have Safetywing Complete insurance for digital nomads. That means if you find an English-speaking doctor that you feel comfortable with in the country where you’re staying, that’s totally fine!
What’s Covered by Safetywing Complete Insurance?
Now let’s get into the most important factor of deciding which digital nomad insurance is right you—coverage!
Below are the categories that Safetywing Complete offers coverage for and the amount limit.
🏥 Medical Treatment and Hospitalizations
If you require medical treatment or hospitalization such as surgery, MRIs, CAT scans, ambulance rides, or emergency dental care, then Safetywing Complete covers up to $1,500,000 max limit.
🩺 Outpatient Care
When you need to see a doctor or specialist or have medical tests done that do not require you to be in a hospital, Safetywing Complete covers up to $5,000 per year.
🚑 Evacuation to a Better Hospital
Not all hospitals operate at the same level of medical advancement and treatments. So, if you need to be transferred to a better-equipped hospital to treat your illness or injuries, Safetywing Complete covers a lifetime maximum of $100,000 to get you there.
🚗 Motor Accidents
If you are in a motor accident and have taken all of the necessary safety precautions and are driving legally, then Safetywing Complete offers coverage of up to $1,500,000.
🏄♂️ Injuries from Leisure Sports
When traveling, you want to take part in new sports and adventures—it’s natural! But if you are injured during a leisure sport like surfing, spelunking, or kite surfing, then your treatments are covered up to $250,000. You can check out a full list of covered leisure sports here.
💉 Preventative Checkups and Vaccines
To make sure your health is on the right track, Safetywing Complete offers $300 in coverage each year for preventative screenings, checkups, and vaccines. So make sure to get that annual flu shot!
🧖 Wellness Therapies
Need to make a trip to the chiropractor for an adjustment or get some acupuncture to help with stress? Safetywing Complete covers these treatments too! They’ll cover up to $60 per visit, which counts towards your $5,000 outpatient annual limit.
🧠 Mental Health
Traveling as a digital nomad can get pretty stressful and lonely. As we start to take mental health more seriously as a society, Safetywing Complete offers full coverage for ten visits to a mental health professional per year, which goes towards the $5,000 outpatient limit.
🧪 Cancer Tests and Treatments
In the unfortunate event that you are diagnosed with cancer, Safetywing Complete covers cancer diagnostics and treatments like chemotherapy, radiation, prescriptions, and more up to a $1,500,000 max limit.
🤰 Maternity Care
After having Safetywing Complete insurance for at least ten months, members can have up to $2,500 covered in maternity care during pregnancy, labor, and 30 days after birth. It’s important to note that members are responsible for a 20% copay of the $2,500 coverage limit.
🛬 Repatriation
If you pass away while abroad, Safetywing Complete will take care of transporting your body to your home country. There is a $100,000 limit for transport.
Additionally, if you must return home due to local unrest, Safetywing Complete covers up to $10,000 for evacuation. This is a lifetime limit.
⏰ Travel Delays or Cancellation
Safetywing Complete insurance is a medical travel insurance that also covers travel delays or cancellations. If your trip is delayed by three hours or more, they will reimburse you $60. If you require somewhere to stay overnight due to delays, you can get $150 per day for up to three days.
In the event that your trip is canceled, you can get reimbursed for $300 per trip. There is an annual limit of $600, so, two trip cancellations.
✈️ Trip Interruption
If there is a serious interruption during your trip, for example, if a family member dies and requires you to fly home, Safetywing Complete offers up to $5,000 in coverage for your flight home.
🧳 Lost Checked Luggage
One of the most frustrating things like traveling is realizing your luggage didn’t make it onto your plane as you wait at the baggage claim. If your baggage is lost, Safetywing Complete insurance covers $500 per lost item for a maximum of $3,000 per policy.
💳 Stolen Belongings
If your passport, purse, or wallet is stolen while out traveling, Safetywing Complete insurance covers up to $5,000.
For example, if your wallet was stolen, Safetywing Complete will reimburse you $150, provided that you submit a police report from 24 hours of the theft.
Now, if you experience a robbery, Safetywing Complete insurance covers $500 per personal item and $300 in cash equivalent as long as it did not take place in one of the following countries: Afghanistan, Central African Republic, Democratic Republic of the Congo, Iraq, Libya, Mali, Niger, Nigeria, North Korea, Pakistan, Somalia, Sudan, South Sudan, Syria, Venezuela, or Yemen.
What Doesn’t Safetywing Complete Insurance Cover?
Okay, so we’ve gone through a list of things that Safetywing Complete insurance covers, but what are some things that might be left up to you to cover?
❌ Pre-Existing Conditions
Conditions that you were diagnosed with before signing up for Safetywing Complete insurance are not covered under the insurance policy. This means if you have been diagnosed with cancer, diabetes, or an autoimmune disease, treatments and care for these conditions are not covered.
If you have a pre-existing condition, then we recommend checking out Genki Native International Health Insurance, as they do accept some pre-existing conditions under their policy.
💄 Aesthetic or Cosmetic Treatments
Plastic surgeries, facials, or cosmetic procedures are not covered under Safetywing Complete insurance.
🦷 Dental or Orthodontic Treatments
Routine dental cleanings, fillings, or orthodontic treatments are not covered. The only exceptions are dental emergency surgeries.
⚖️ Obesity or Weight Control Treatments
Ozempic and Wegovy are all the trend right now, but unfortunately, obesity and weight loss treatments are not covered by Safetywing Complete insurance. You would have to pay out of pocket for these.
💊 Over-the-Counter Medications
Any medication that you can get over the counter, like pain relief, allergy medicines, and migraine medication, is not covered by the insurance policy.
🏀 Professional Sports Injuries
If you are paid to play in a sports league or game and are injured, then Safetywing Complete insurance is not liable to cover the treatment.
💻 Administrative or Non-Medical Fees
If there are charges for administrative or non-medical fees on a hospital bill, then you will be responsible for paying them. Safetywing Complete insurance will cover medical-related expenses.
👣 Podiatric Care and Orthopedics
Treatments for bunions, flat feet, or other foot-related issues are not covered by Safetywing Complete insurance.
What to Know Before Signing Up for Safetywing Complete Insurance for Digital Nomads
Choosing an international health insurance is one of the biggest decisions you’ll make as a digital nomad or expat. So, here are some things you should know before signing up for Safetywing Complete.
Coverage Up to Age 65
With the Safetywing Complete insurance, you can only get coverage if you are 65. There are tiers of age groups ranging from Under 18, 18-39, 40-49, 50-59, 60-64.
With each tier, the price of the insurance policy increases.
10% Copay for Outpatient Services
While Safetywing Complete offers $5,000 coverage for outpatient services per year, there is a 10% coinsurance that the member is responsible for each visit or treatment.
No Pre-Existing Condition Coverage
We mentioned earlier how pre-existing conditions are not covered by Safetywing Complete insurance for digital nomads. This means any conditions that were diagnosed before buying a Safetywing Complete policy will not be covered.
Treatments Over $500 Require Preapproval
If you require a treatment, medication, or surgery that costs more than $500, you must request approval from Safetywing. If you fail to request the preapproval, you may be reimbursed 30% less than the total cost.
Limited Travel in the US, Singapore, and Hong Kong
If you plan to travel in the US, Singapore, and Hong Kong for more than 30 days during the year, you can include an add-on insurance with coverage for up to six months in these countries.
However, citizens and/or residents of Singapore and Hong Kong are required to include this add-on to their Safetywing Complete policy.
21-Day Claims Processing Time
While filing claims with Safetywing Complete is pretty easy as it’s all done online, the processing and reimbursement timeline can be up to 21 days. As most expenses will be covered by the policy holder upfront, this can be problematic for some members if they may not want to wait three weeks for reimbursement.
What We Like About Safetywing Complete Insurance for Digital Nomads
Now that you have most of the information you need to make an informed decision about whether or not Safetywing insurance is right for you, we want to tell you what we especially like about it.
24/7 Support
We love that Safetywing offers 24/7 support through their online chat. You’ll get to speak with a real person about your coverage, benefits, and how to file claims.
Easy Sign-Up Process
You can sign up for Safetywing Complete online—and you can already be abroad when you do it! Answer some simple questions about your medical history, where you plan to travel, and more to get your personalized quote and policy.
Low Premiums
Safetywing Complete insurance offers some of the most competitive premiums on the market right now. With no deductible and a 10% coinsurance, digital nomads can get great deals on their travel medical insurance with Safetywing!
Discount with Annual Billing Plan
Unlike other international insurance companies, Safetywing Complete offers a 10% discount if you pay for an annual plan. That means you could essentially get a free month of insurance.
Travel Protections
One of the things we absolutely love about Safetywing Complete insurance fro digital nomads is that it protects travel-related incidents like flight delays, trip interruption, and lost checked baggage. Where else can you find comprehensive international medical insurance that also offers travel protection?
Who Should Sign Up for Safetywing Complete?
International health insurance isn’t for everyone, but here’s who Safetywing Complete insurance is for!
Digital Nomads
Whether you’re hopping around to different countries every month or staying in one place for a year with a digital nomad visa, Safetywing Complete insurance is made by digital nomads for digital nomads!
You’ll have comprehensive medical coverage along with trip protections. So, your weekend getaways or full-on moves to a new part of the world is covered.
Expats
Digital nomads turned expats can also benefit from Safetywing complete insurance if they are not registered for the national healthcare in their country or would like supplemental coverage.
Is Safetywing Complete a Travel Insurance?
Yes! Safetywing Complete combines travel and health insurance to offer coverage for hospitalizations, preventative care, and travel-related incidents. It is one of the unique insurance options for digital nomads that offer the best of both worlds.
Get Your Personal Quote from Safetywing Complete Insurance
Are you ready to protect yourself and your travels as you live out your digital nomad lifestyle? Or are you planning to apply for a digital nomad visa that requires health insurance?
Request a free quote and build your comprehensive insurance package from Safetywing Complete today!
Frequently Asked Questions
Can I sign up for Safetywing Complete while traveling?
Yes! You can sign up for a Safetywing Complete insurance policy while already traveling abroad.
Can US citizens sign up for Safetywing Complete?
Yes, US citizens can buy Safetywing Complete insurance as long as they are not US residents and spend more time outside of the US than inside.
Is Safetywing Complete insurance acceptable for digital nomad visa applications?
Yes, you can use our Safetywing Complete insurance policy when applying for digital nomad visas.
How much coverage does Safetywing Complete insurance cover?
With Safetywing Complete, you will have:
- $1,500,000 coverage for hospitalizations, diagnostics, and prescriptions
- $5,000 coverage for outpatient services
- $2,500 for maternity care after 10 months with a 20% coinsurance
- $300 per trip cancellation
- $5,000 for a flight home during trip interruption
- $300 for preventative care and vaccines
How do I sign up for Safetywing Complete insurance?
You can sign up for Safetywing Complete insurance online. You’ll fill out your information, include any add-on services, and answer some questions about yourself.
How long does Safetywing Complete insurance offer coverage for?
When you sign up for Safetywing Complete, there is a 12-month commitment. This is a long-term insurance that you can renew each year.
Does Safetywing Complete insurance cover maternity care?
Yes, there is a $2,500 limit to maternity, labor, and 30 days after birth care. However, coverage does not start until 10 months of being a policy holder, and there is a 20% coinsurance.
How much does Safetywing Complete insurance cost?
You will receive a personalized quote based on your age and add-on features. But for digital nomads between the ages of 18 and 39, the starting premium is just $150.50 per month.
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