SafetyWing Nomad Health: Is It the Best Health Insurance?

Sweet and salty, Mario and Luigi, yin and yang - you can't have one without the other. And the same is true of travel and health insurance. No matter where your nomadic adventures take you, never forget to pack a good health insurance plan. Scratch that! “The best” insurance plan.

Today, I’ll be reviewing Nomad Health, a global health insurance plan specifically designed by SafetyWing for digital nomads and frequent travelers. It's declared by some "the best health insurance" because of its comprehensive worldwide coverage options, high payout maximums, and affordable pricing.

But is it really the best out there? Let’s find out together!

Nomad Health By SafetyWing

A 12-month global health insurance plan that offers worldwide coverage to digital nomads and frequent travelers. Customers enjoy full-fledged coverage, timely claims resolution, and 24/7 support.


  • Recognized as a leading digital nomad insurance plan
  • Worldwide coverage (175+ countries), including home country 
  • Broad coverage with minimal gaps and exclusions
  • Affordable pricing, particularly for younger digital nomads
  • Support any time. 
  • Coverage for chronic conditions included (when declared)


  • Plans get very expensive for older nomads
  • Some costs must be paid by the traveler and reimbursed later
View Nomad Health Insurance Rates
Note: We are not insurance professionals or an insurance company. This is based on our editors' research, who are not insurance professionals. Make sure you choose the best digital nomad insurance for you personally, and always check the insurance provider before purchasing any digital nomad insurance.

What We Like About SafetyWing Nomad Health

Now, let's get into the review. SafetyWing Nomad Health boasts a metric ton of benefits that nomads everywhere love. These benefits are nowhere near gimmicky and actually make a difference in nomads' lives.

Comprehensive Benefits

Here's a tip from me to you: when evaluating any insurance policy, focus on the benefits. What are you getting for your money? To what extent will the company stick its neck out for you in a bind? With a Nomad Health plan, you get a full refund for:

  • Hospital treatment and accommodation
  • Inpatient surgery
  • Reconstructive surgery
  • ICU treatment
  • Cancer-related treatments and tests
  • Organ transplants
  • Evacuation
  • Repatriation

You also get the following coverage benefits:

  • Up to $500,000 in rehab and specialized treatments 
  • Up to $1,000 in durable medical equipment 
  • Up to $5,000 towards up to 10 outpatient psychiatric visits 
  • Up to $1,000 in external prosthesis

The plan benefit maximum for Nomad Health sits at $1.5 million minimum, which is very high. If you need to use your plan for a covered reason, there's some firepower (cash) to back you up.

Global Coverage with Flexibility

Nomad Healty Insurance by SafetyWing coverage

Some "global" health insurance policies aren't really global. Nomad Health is "global" in every sense of the word. The policy covers you not only in 175+ countries but also applies to your home country, which is unusual in the travel insurance world.

What's more, you can start coverage even if you're already traveling. If insurance slips your mind until after hopping on your flight or even mid-trip, you're not out of luck. You can still purchase a plan.

Designed with Digital Nomads and Remote Workers in Mind

Wouldn't it be nice to have an insurance plan that was meticulously designed just for you? That's Nomad Health. Here's why we say so:

  • There's no fixed address requirement, which is great since you're always in the wind as a nomad.
  • You can purchase and manage your plan online on an easy-to-use interface, no matter where you are at the moment.
  • You get the option to pay as you go; they clearly know how quickly your plans can change.

Competitive Pricing

A plan is useless to you if its price is too astronomical to afford. After playing around with some scenarios on various digital nomad websites, I've found that Nomad Health is one of the more affordable options, especially when you factor in the coverage you're getting.

One thing you should know about Nomad Health plans is that they follow an age-based pricing model. The higher your age bracket, the higher the price will be. To find out what the price will be for your plan, simply select the appropriate age range to see updated pricing.

Here's the pricing for a traveler between 40 and 49 years old:

Nomad Health Insurance by SafetyWing plan options (40-49 years old applicant)

And here's the updated pricing for someone between 18 and 39 years old: 

Nomad Health Insurance by SafetyWing plan options (18-39 years old applicant)

As you can see, the pricing will be lower for younger nomads. To get an idea of how much the plan will cost for you, use the dropdown at this link

What if you're no longer a spring chicken (getting up in age)? Consider the fact that Nomad Health is more affordable than the average domestic health plan. Per Forbes, US health insurance costs about $400 to $1100 per month, depending on your age, plan type, and more. If you're a long-term traveler, opting for a global health plan like Nomad Health would likely be much more economical than paying for domestic health insurance and travel medical insurance.

Get a Personalized Quote

The plan costs on the website are subject to change based on your specific trip information, how many people will be covered by the plan, and more. To get a personalized quote, here’s the process to follow step by step:

Step 1: Go to the Nomad Health page and click the yellow “Sign Me Up” button.

Nomad Health webpage on SafetyWing website

Step 2: Create an account using your email address, Facebook login, or Apple credentials.

SafetyWing login

Step 3: Fill out the questionnaire with information about you and your trip. Click “Sign up” afterward.

SafetyWing signup questionnaire
SafetyWing signup questionnaire (country info)
SafetyWing signup questionnaire (mailing address)

Step 4: Select your plan and policy start date. There may be fewer available plan options than you saw on the Nomad Health page. It depends on your personal and trip information/form inputs.

Nomad Health Insurance by SafetyWing plan selection

Step 5: Fill out additional personal details and add any family members to your policy.

Nomad Health Insurance personal details and family members application

Step 6: Enter your medical information by clicking on “Take me to my medical history form.” Then, fill out the medical history form.

Nomad Health Insurance medical information

Click on all the below tabs and fill out the information. When you’re done, click apply.

Nomad Health Insurance application summary

Step 7: Enter your payment information and pay for your policy.

Step 8: Wait for an approval from SafetyWing. It could take 7 to 10 business days. Your payment method will be charged if, and only if, your application is approved.

Nomad Health Insurance approval process and timeline

24/7 Customer Support

Things can go wrong whether you're backpacking through Chiang Mai or living it up in bustling Tokyo. The inconvenience of it all can be overwhelming - that's why you need quick, high-quality customer service support on your timeline. Nomad Health provides 24/7 customer support with super quick response times and round-the-clock availability via chat.

I tested the chat support at 3:20 am to see if they’d be responsive. They responded in less than a minute with the information I needed! See the screenshots below.

SafetyWing customer service live chat

Improved Claim Process

In years past, Nomad Health users complained about claims processing delays and extensive claim documentation requirements. Here are a couple of Trustpilot reviews from 2020 and 2021 that reflect this:

Negative Trustpilot review of SafetyWing Insurance
Another negative Trustpilot review of SafetyWing Insurance

Clearly, they have listened to the customers’ feedback. Lately, SafetyWing has been working on improving the claims process. It's much more straightforward these days, as evidenced by the below reviews:

Positive Trustpilot review of SafetyWing Insurance
Another positive Trustpilot review of SafetyWing Insurance

Some Things to Keep in Mind About SafetyWing Nomad Health

When it comes to the above factors, SafetyWing Nomad Health knocks it out of the park! But there are a few things you should be aware of before you decide if it's the right fit for you. Read on.

Pre-Existing Condition Limitations

In general, Nomad Health by SafetyWing does not cover routine care for pre-existing conditions. For those who don't know, pre-existing conditions are medical issues existing before the active date of your insurance plan. Common pre-existing conditions include:

  • Cancer
  • Asthma
  • Diabetes
  • High blood pressure
Note: Most travel health insurance plans do not cover pre-existing conditions. 

Coverage Focuses on Emergencies and Urgent Care

It's crucial to know that Nomad Health isn't meant to be a replacement for comprehensive domestic health insurance. The bulk of Nomad Health's benefits are geared toward emergency-related situations - not routine or everyday health management. If you want to guard against the unexpected, Nomad Health is really good for that.

Making a Claim with SafetyWing Nomad Health (Claim Process)

Wondering how the claims process goes with SafetyWing? It's more straightforward than you might think. Here are the steps to follow:

  1. Log into your Nomad Health dashboard.
  2. Look for a button that says "Submit a Claim."
  3. Send in any requested documentation via digital upload (medical reports, invoices, proof of payment).
  4. Wait for a decision to be made on your claim.
  5. Follow the next steps (if any) after receiving a response from SafetyWing.

Here are some tips to ensure a smooth claim process with Nomad Health:

  • Hold onto (and upload) all of your receipts and documents related to your claim situation.
  • Take clear photos of all the documentation to reduce delays.
  • Ensure that your medical forms are signed.
  • Don't forget to click “submit” after the claim submittal form is complete.

Are There Any Global Health Insurance Alternatives to SafetyWing Nomad Health?

It's always a good idea to weigh your options before choosing your nomad health insurance. For some perspective, there are two really good alternatives on par with SafetyWing Nomad Health, and they include Genki Resident and Cigna Global Health. Here's a little bit about both of them: 

Genki Resident

Genki Resident Health Insurance

Genki Resident is one of the best digital nomad health plans in existence. The reason (well…reasons) why? First, you get an unlimited benefit maximum, meaning there's no cap on the amount of benefits you can reap from the plan. In addition to that, depending on the plan, you gain access to a wide array of benefits, including preventive care, hospital and home care, telemedicine visits, outpatient psychological care, inpatient rehab, eye care, and much more.

There are two plan tiers - Genki Resident and Genki Resident Premium, the latter being the most comprehensive plan. What's more, there's no maximum age for Genki plans - everyone is welcome.

Here are some additional benefits associated with Genki Resident:

  • Very good customer reviews on TrustPilot and elsewhere.
  • Few exclusions on the Genki Resident Premium plan.
  • Clean, cheery interface with minimal clutter, making it easy to see what's what.
  • Ability to tailor your plan to your needs and save as much money as you can.
  • Worldwide coverage available anywhere.

Genki Resident and SafetyWing are neck and neck. However, Genki offers more in the way of routine and everyday health management than SafetyWing. On the other hand, SafetyWing coverage includes your home country without a limit on how many days are covered in a year. That's not the case with Genki - you only get 180 days of home-country coverage. All in all, both of these options are outstanding for digital nomads - both would be great options to consider.

Read the full Genki Resident review below:
Genki Resident Review: The Ideal Global Health Insurance?
Considering Genki Resident global health insurance? This digital nomad health insurance review will cover its pros, cons, alternatives, & more.

Cigna Global Health

Cigna Global Health Insurance

Cigna Global Health is another great alternative for digital nomads. It's worldwide coverage that's inclusive and highly customizable to suit your risk profile and budget. I think it's a phenomenal choice for those who are having trouble finding a plan with the coverage mix they're looking for. You really do get to build your plan from the ground up. It also helps that the plans aren't overpriced or out of financial reach for most.

Here are a few other things you should know about Cigna Global Health:

  • Quotes are clear and easy to fill out.
  • Benefits maxes are generous.
  • You get unlimited telehealth appointments.
  • The focus is on health and well-being.

SafetyWing plans aren't going to be as customizable as Cigna Global Health. Though, you may find that the Nomad Health plan is exactly what you need - no changes/add-ons required. If you value customizability and don't mind having to learn the insurance ropes to build your ideal plan, Cigna Global Health is a plan worth considering. But if you want a plan specifically built for digital nomads without getting too deep into granular benefits, Nomad Health will be more your jam.

The Bottom Line

What's the verdict? Nomad Health is definitely the best digital nomad health insurance plan I've come across. After doing a ton of research on these types of plans, the following things really stand out about SafetyWing, including the extremely high benefit maxes, the targeted coverage mix designed to protect against the unexpected, and the company's improvement on the claims process (among other things).

With SafetyWing, you not only gain access to a serious financial safety net and helping hand, but you get to work with a company that listens to customers and is working to continually better their product. This is very hard to find.

Considering all of this, I strongly recommend that you check SafetyWing Nomad Health out - chances are it's the perfect plan to insure your future travels. Still, given the price increases related to age, I do have to take away a half star for a final rating of 4.5 out of 5 stars.

Note: Since the pricing goes up quite a bit for travelers in older age brackets, I'd recommend checking out the alternative options if you're older- Genki Resident or Cigna Global Health. You just may be able to save some money on your plan. 

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