SafetyWing Review: Insurance for Digital Nomads, Expats & Long-term Travellers

If you’ve ever had to deal with a medical bill abroad — or worse, realised mid-trip that your home insurance doesn’t cover you overseas — you’ll know exactly why travel insurance matters. I’ve been using SafetyWing’s Nomad Insurance for a while now, and honestly, it’s one of the few travel products I actually recommend without hesitation. It was built with long-term travellers in mind — not holidaymakers — and that makes a real difference.

If you’re new to SafetyWing, here’s what you need to know straight away: it’s affordable, flexible travel medical insurance that covers you globally — and as of 2026, they’ve just launched an Annual Plan with home coverage included. Plus, I now have a reward code you can use to get 8 weeks of free electronics coverage added to your policy. More on that in a moment.

Table of Contents

What Does SafetyWing Nomad Insurance Actually Cover?

Think of it as a solid travel medical plan. It covers emergency medical treatment, hospital stays, doctor visits, and evacuation if needed. It works in most countries worldwide, and you can purchase it from anywhere — even if you’ve already left home. That last point matters more than people realise.

It doesn’t replace comprehensive travel insurance (trip cancellation, for instance, isn’t included on the Essential plan), but for long-term nomads who need reliable medical cover without a fortune in monthly premiums, it hits a sweet spot that’s hard to match.

The New Annual Plan — Is It Worth It?

SafetyWing recently launched the Nomad Insurance Essential Annual Plan, and it’s genuinely a good option if you spend most of the year abroad. Here’s what makes it different from the monthly plan:

The home coverage piece is particularly useful. A lot of nomads end up going back for a month or two, and it’s always been a grey area. With the Annual Plan, you’re covered at home as well — up to those limits. That gives proper peace of mind during your visits.

My Exclusive Reward Code — 8 Weeks Free Electronics Coverage

As a SafetyWing Ambassador, I can now offer something that wasn’t available before. When new members use my reward code, they receive 8 weeks of free electronics theft coverage added to their Nomad Insurance Essential plan. That’s your laptop, your camera — all the kit that keeps your trip running.

→ Claim Your Reward at SafetyWing

To redeem it: head to the SafetyWing Nomad Insurance page, look for the small hidden pink camera icon, and enter the code TRULYEXPAT before you create your account. The reward is valid for new customers purchasing a monthly or annual Essential plan.

Frequently Asked Questions

Can I buy SafetyWing Nomad Insurance if I’ve already left my home country?

Yes — and this is one of the biggest reasons nomads love it. Unlike most travel insurance providers, SafetyWing lets you purchase a policy after you’ve already departed. There’s a brief waiting period of up to 3 days for new subscriptions to become active, but there’s no requirement to buy before your trip begins. This makes it genuinely flexible for full-time travellers who don’t always plan that far ahead.

Does SafetyWing cover pre-existing conditions?

The Nomad Insurance Essential plan does not cover pre-existing conditions as a rule — this is standard for most travel medical policies. However, SafetyWing’s higher-tier plan (Nomad Health) is worth exploring if you have ongoing medical needs, as it functions more like a full health insurance product. For the Essential plan, it’s best understood as emergency and acute care cover for otherwise healthy travellers.

What’s the difference between SafetyWing’s monthly plan and the new Annual Plan?

The monthly plan renews automatically every 28 days and is great if you want flexibility with no long-term commitment. The new Annual Plan, on the other hand, gives you a 10% discount for paying upfront, includes coverage at home for up to 90 consecutive days (179 days total per year), and comes with a US$150 prepaid debit card so you’re not paying out of pocket for covered claims. If you know you’ll be abroad for most of the year, the Annual Plan typically works out better value.

Thanks so much for reading. I hope this helps you figure out whether SafetyWing is the right fit for your travels. If you have any questions, drop them in the comments or come and find me over on social.

Follow along on Instagram where I share real-time travel updates, behind-the-scenes moments and travel tips and recommendations. And come and join the Truly Expat Facebook community — a supportive space for travellers to ask questions, share tips, and connect before trips.

Running this blog takes a lot of coffee (and countless hours exploring every destination!). If you found this helpful and want to support more honest, detailed travel guides and itineraries, you can buy me a coffee. No pressure though – I’m just happy you’re here and hope you have an incredible adventure! 🙂