Digital Coverage for Perpetual Wanderers: Safetywing Insurance [Foreseeable Future, 2025]

SafetyWing Complete is a travel medical insurance designed specifically for digital nomads and expats living abroad long-term. This insurance offers global coverage in over 175 countries, with some exceptions, making it an ideal choice for those on the move.

The insurance covers routine medical checkups and emergencies, providing peace of mind for unexpected health issues. However, it's important to note that routine dental cleanings, fillings, or orthodontic treatments are not included, except for dental emergency surgeries.

SafetyWing Complete also provides unique travel benefits, doubling as travel insurance. It offers protection for travel-related interruptions, such as evacuation due to local unrest, travel delays or cancellations, trip interruption, lost checked luggage, and stolen belongings.

For medical treatments, the insurance covers up to $1,500,000 for medical treatment and hospitalizations, up to $5,000 per year for outpatient care, and up to $100,000 for evacuation to a better hospital. However, some treatments are not covered, such as obesity and weight loss treatments, podiatric care and orthopedics (including treatments for bunions, flat feet, or other foot-related issues), and over-the-counter medications.

If a treatment, medication, or surgery costs more than $500, approval from SafetyWing is required. It's also crucial to note that any conditions that were diagnosed before buying a SafetyWing Complete policy will not be covered.

When it comes to hospital bills, members are responsible for paying any charges for administrative or non-medical fees.

If a person plans to travel in the US, Singapore, and Hong Kong for more than 30 days during the year, an add-on insurance with coverage for up to six months in these countries is required. Countries excluded from SafetyWing's comprehensive insurance if staying more than 30 days in these countries are not explicitly listed in the provided search results.

SafetyWing Complete offers additional benefits, such as up to $2,500 for maternity care, up to $1,500 for motor accidents, up to $250,000 for injuries from leisure sports, and up to $100,000 for repatriation.

In December 2024, SafetyWing Nomad Insurance introduced two new plans: Essential and Complete. The Complete plan, as discussed, offers a comprehensive coverage for digital nomads and expats living abroad.

Lastly, it's worth mentioning that SafetyWing Complete insurance allows free choice of doctors and hospitals, giving policyholders the flexibility to choose the best care for their needs.