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SafetyWing
p/safetywing
Global health insurance for nomads, expats & remote workers
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Kat Manalac

Safety Wing — Global health insurance for digital nomads

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Our first product is a travel medical insurance made for digital nomads. It's $37 / month. (4 weeks) for worldwide coverage ($30 add-on for US, since US healthcare is much more expensive.) Only works when you’re outside your home-country (although there is 30 days home country coverage every 3 months so you can visit home, 15 for U.S. residents). Covers hospital, doctor, prescription, etc.

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Ben Levy
Hey @srasch, This is a really cool idea and great design thus far! Just curious, what's your vision for the community side of the product? Do you imagine growing the benefits on that side of the business? Thanks, Ben
Sondre L. Rasch
Maker
@benmlevy Thanks Ben! Glad you think so. Yes we do have high ambitions for the community side of the project, but it will take some time to materialise. Currently we have two things: local events for nomads & ambassadors in 20 cities. What ambassadors do is host events, but also to be available if something happens. For example if there is a natural disaster and one of our members need help finding their friends, or a place to stay. Longer term we hope to open up real service centers called "embassies" in top nomad cities. There will also be an online component of the community we have already built. So forgive me that that's more of a teaser than a vision, but this is a part that we need to let develop a bit slowly. We most of all want to make something which doesn't currently exist, and which is truly helpful and useful for nomads.
Chandan Lodha
Seems really cool! Can't wait to try this out next time I go out nomading. Have you thought about partnering with travel businesses (e.g. Airbnb/hotels/airlines/etc.) to bundle this when folks are making travel plans to help get the word out?
Sondre L. Rasch
Maker
@chanfest22 Glad you like it! That's an interesting idea. The only partnership we currently have is with our favourite site Nomadlist.com, a place where you can discover and compare cities to go to. But I think what you're saying makes sense. There surely is a time where you are in the state of planning trip, and buying something like this makes the most sense.
Sondre L. Rasch
Maker
Hey guys. I'm one of the founders of SafetyWing. Would be grateful for any feedback or advice for how we can make this into a great product for digital nomads. Who are we: We’re Norwegian digital nomads ourselves, so designed it for our own needs. I was formerly also founder of freelance platform Konsus.com (YC W16). @sarahkindofcool is CTO, former lead engineer of ad-network Tapdaq & she’s also a musician. @hkjellby is lawyer and former head of legal at Auka, which is like white-label Venmo. Why are we making this? Discovered when we quit our jobs that if you’re not a full-time employee, you don’t qualify for many financial products or social safety nets. This is the first step in a plan to build a global safety net for online freelancers and entrepreneurs.
Sarah Evans
@srasch looks amazing. Would love to hear how you brought this to life.
Sondre L. Rasch
Maker
@prsarahevans Thanks Sarah! I think the key break-through we had was hiring two senior insurance experts who helped us design the product, and get the deal with insurance giant Tokio Marine. We have a very strong design and development team, so that part was easier for us. The process of bringing our idea to life was in a way a long conversation between us as nomads and tech-people, and our insurance experts and partners to make a product that was both solid and simple/appealing.
Thomas K. Running

The recurring subscription is genius!

Pros:

Great price, unparalleled flexibility

Cons:

Young product, so still waiting for some

Kwindla Kramer
Congratulations on the launch, @srasch. This is a badly needed product, and the website design is awesome!
Sondre L. Rasch
Maker
@kwindla Thanks, glad you think so! Very happy you like the design, we put a lot of heart into it.
John Palmer
I don’t need this, but I almost did a year-long nomad stint and couldn’t find a good solution to this problem. Looks awesome!
Judith Straetemans
This is SUCH an awesome idea and I absolutely love it, but what's up with the Disney design? Nomads are young professionals, I don't see how this style is appealing to them. I also don't understand why the terms are not put upfront. We all know that insurance contracts are full of loopholes, transparency helps building trust.
Emmanuel Guisset
This is such a great product for avid travelers. thinking about including it in our membership for Outsite!
Lynne Tye
A much needed product. A few years ago, I was nomadic and traveling for several months. A friend of mine did *not* have travel insurance and broke her leg at an elephant sanctuary in Chang Mai. If only this existed back then... Congrats team Safety Wing!
Sondre L. Rasch
Maker
@lynne_tye Of all places to break a leg! Thank you Lynne :)
PJ Manning
My go-to travel insurance. Only had to use it once in over 3 years of use ;) but was a breeze during the COVID pandemic. Very quick response from support which was super helpful as dealing with the insurance companies can be a pain.
Søren Therkelsen

I was in need for something simple that was designed for my traveling! Safetywing offers me the security of a globally renowned Insurance company, with the service and product vision of a startup. It was a match made in heaven!

Pros:

Simple product and a no brainer for working professionals who travels a lot.

Cons:

Time. Their product is perfect, though time will allow for more product features. There is a lot of potential for growth!

Enelin Paas

Love the idea- insurance made by nomads for nomads! Love the service, so convenient! Am a happy user, no complaints! Thanks!!

Pros:

Easy, good price!

Cons:

Subscription renews automatically, if want to finish have to cancel by yourself.

Thomas K. Running
You can actually select specific dates if that's what you need, and then it doesn't renew automatically. Although if you're continuously traveling (like most nomads), it's better to get the recurring subscription since your coverage period then extends up to 364 days, which is important to reduce the deductibles you pay and since things that happen in one coverage period will (like with other providers) be considered pre-existing in the next period (after manual renewal).
olenamaryjane
@enelin_paas You can only like this company is you never used it haha)) no positive comment found by those who filed any claim!! BEWARE!
Deilur
Insane to see so many fake recent reviews. This company is a marketing company, not an insurance company. Their only job is to sell insurance plans of a company that's not innovative, and doesn't understand what to be a digital nomad is. Making a claim is a nightmare, as many of the comments here say. It's a very long PDF form that asks you for many details that as a nomad you don't have (for example: Your "doctor" who knows you and has "your file"). You have to pay everything out of pocket, and then figure out how to be reimbursed. It's just insane, don't buy this trash.
olenamaryjane
@deilur Its not an Insurance compamny it's a MAFIA - they only want to collect money from all of us but never ever pay it out!!
Sam Claassen

I can't wait to see how this company evolves. I hope they continue to create tools to fill these gaps in the (still rather new) nomadic movement.

Pros:

Very impressive coverage, particularly for the price point Can pay for any time period No commitment Company is dedicated

Cons:

Some of the more niche extreme sports (ex. base jumping) are not included, but I think they are adding more and more as time goes on.

Hanne Rasch
SafetyWing has got an amazing produkt, first of its kind. Easy to get, start and stop. You may choose just some days and it is the same prize per month also after 60 days, in all countries etc. Just simple and usefull when you are away from home in longer periods. :)
Sondre L. Rasch
Maker
@hanne Thanks mom! :-)
Elva Fu
Glad to have SafetyWing as a Nomad Terminal partner. The site has just launched, I feel free to check it out and let me know if you'd like any of the info changed~
Adrienne McKenzie
Nice looking website but they make as complicated as possible to file a medical claim. Do not recommend.
Hanne Rasch

Travel insurance is easy for short periods away from home. The problem and increase of price occurs when you stay longer and in countries at higher risks. SafetyWings has got the things you would need.

Pros:

Easy, handy, simple and very low price for long time use , specialy in countries that normaly have hight prices for insurances.

Cons:

Cannot see any.

T Maiara

I'm having a very hard time and the most complicated process trying to do a claim. Nobody ever has a clarifying answer. They keep sending me in circles between their departments. it's been an exhausting 2.5 months and still no success. I recommend anyone to steer away from it if they want an insurance that actually works. as for myself, will begin to look into other avenues to recover that money as per promised by their policy

Pros:

Nothing at all.

Cons:

I'm having a very hard time and the most complicated process trying to do a claim. It's been over 2 months.

Stephen Hall
@t_maiara same problem.They don't pay claims.Send messages to you in "secret folders".Complete waste of money.
Crixus Agustus Maximus
@t_maiara Same here, they scamed me and never paid for my claim or even got back to me, to anyone out there considering travel insurance, stay the hell away from these people.
olenamaryjane
@t_maiara Had hard times with them too. They deny every claim even my case perfectly falls under the policy, diagnosis sounded "Spontaneous", but for them its not enough, they just deny and don't even bother to explain the reason of denial!! STAY AWAY PPL
Bailey
SafetyWing has asked me to leave a paid review. What can I say - their quirky bird branding and initial user experience for sign up is pleasant enough. Their chat function is helpful. Cons: If you are after insurance that actually insures you, this isn't it. I have been (for some reason) paying them for several years and they have yet to approve any of my claims. The claim process is clunky (as its through a third party), they don't tell you when and why your claims are declined, and they make every effort to not cover much of anything. If you are after a low price option that will maybe pitch in if your accident or illness meets their very specific guidelines.. maybe it's for you. Better than nothing? If anyone here has recommendations on a company that actually works.. I am in the market!