FAQs about Nomad Essential and Nomad Complete: What’s covered? How do I file a claim? Which plan is right for me?

Imagine this: You’re trekking through the lush landscapes of Bali, your laptop safely tucked away after a morning of remote work. The sun is setting, painting the sky with hues of orange and pink. Suddenly, you trip over an unseen root, and before you know it, you’re nursing a fractured wrist miles away from home. Or perhaps you’re exploring the bustling streets of Barcelona, and your backpack — with your essential gadgets — is nowhere to be found. As a digital nomad, freelancer or avid traveler, these scenarios can be part and parcel of the adventurous life you’ve chosen. 

But with adventure comes unpredictability, and that’s where SafetyWing Nomad insurance steps in, ensuring you’re covered, no matter where the journey takes you.

Frequently Asked Questions about SafetyWing Nomad Insurance

What is SafetyWing Nomad insurance?

SafetyWing's Nomad insurance is a comprehensive insurance solution tailored for individuals who live and work remotely across the globe. It offers two distinct plans: Essential and Complete, designed to cater to varying needs of travelers, digital nomads, and remote workers. Whether you're seeking coverage for unexpected medical emergencies or a full-fledged health insurance plan with added travel protections, SafetyWing has got you covered.

What’s the difference between the Nomad Essential and Nomad Complete plans?

• Essential Plan: This plan focuses on travel medical insurance, covering treatment for new and unexpected medical issues while you're traveling. It includes hospital stays, surgeries, medications, emergency evacuations, and even lost luggage. However, it doesn't cover routine check-ups, pre-existing conditions, maternity care, or cancer treatment. It's ideal for those seeking coverage primarily for unforeseen incidents during their travels.

• Complete Plan: Building upon the Essential Plan, the Complete Plan offers full health insurance with additional travel protections. It covers routine medical care, wellness therapies, mental health support, and cancer treatment. Additionally, it provides coverage for burglary, canceled accommodations, and delayed luggage. This plan is perfect for long-term travelers or digital nomads seeking comprehensive health coverage alongside travel insurance.

Can I purchase Nomad insurance if I’m already abroad?

Absolutely! SafetyWing allows you to sign up for Nomad insurance before you depart or at any point during your travels or while living abroad. There's no need to be in your home country to purchase a policy. 

Does Nomad insurance cover COVID-related expenses?

Yes, medical treatment for COVID-19 is covered under both the Essential and Complete plans, provided the virus was contracted after your policy start date. Routine testing or preventive measures are not covered unless deemed medically necessary due to symptoms. 

Are there any age restrictions for the plans?

The Essential plan is available for individuals up to 69 years old. The Complete Plan, however, is available for individuals up to 64 years old. Premiums vary based on age brackets.

How does home country coverage work?

• Essential Plan: After being abroad for 90 days, you retain medical coverage for 30 days when you visit your home country (15 days if your home country is the U.S.). This is designed to provide short-term coverage during brief visits back home.

• Complete Plan: This plan offers full coverage in your country of residence without any time limitations, making it suitable for those who split their time between multiple countries or frequently return home.

What add-ons are available to customize my coverage?

SafetyWing offers several add-ons to enhance your coverage:

• Adventure Sports: Extends coverage to include high-risk activities such as scuba diving, skydiving, white-water rafting, and more.

• Electronics Theft: Provides reimbursement for stolen electronics, ensuring your gadgets are protected.

• U.S. Coverage: For non-residents, this add-on includes coverage for trips to the United States.

How do I file a claim if something goes wrong?

Filing a claim with SafetyWing is straightforward:

1. Report the incident. Notify SafetyWing as soon as possible about the incident.

2. Gather documentation. Collect all relevant documents, such as medical reports, receipts, police reports (in case of theft), and any other supporting evidence.

3. Submit the claim. Log in to your SafetyWing account and fill out the claim form, attaching all necessary documents.

SafetyWing aims to process claims efficiently, ensuring you receive reimbursement promptly. 

What are pre-existing conditions, and are they covered?

A pre-existing condition refers to any illness or injury that you have been diagnosed with or received treatment for before your SafetyWing policy start date. Unfortunately, both the Essential and Complete plans do not cover pre-existing conditions. It's crucial to review the policy details to understand the specifics of this exclusion. 

How do I choose between the Nomad Essential and Nomad Complete plans?

Think of it this way:

• Nomad Essential is great if you want solid travel medical coverage for unexpected illnesses, injuries, or hospital visits while abroad. It’s ideal if you’re generally healthy and don’t need coverage for routine checkups or ongoing medical care.

• Nomad Complete is for nomads who want full health insurance, including preventative care, mental health support, and trip protections like lost luggage, trip cancellations, and liability coverage. If you plan to be abroad long-term or need a safety net beyond medical emergencies, this plan makes more sense.

Still unsure? Ask yourself: Do I need routine doctor visits, dental care or mental health support? If yes, go for Nomad Complete. If not, Nomad Essential will likely be enough.

Ready to Travel Smarter?

Nomad life is unpredictable — that’s part of the fun. But having the right coverage means you can focus on adventure instead of worrying about hospital bills, stolen gear or canceled flights. –Wally

Get covered with SafetyWing and travel with confidence.