Safetywing Travel Insurance for Mexico: An Honest Review

Planning to explore the world without worrying about medical issues or travel hassles? SafetyWing Travel Insurance might be just what you need. Designed with digital nomads and long-term travelers in mind, this insurance option is gaining popularity for its coverage tailored to those who work or live abroad.

They have restructured the plans and the essential plan is now suitable for short term travelers as well. But let’s go and see if it’s a good choice for you

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What is SafetyWing Travel Insurance?

SafetyWing is a travel health insurance provider made specifically for digital nomads, remote workers, and frequent travelers. Unlike traditional travel insurance, it offers a flexible subscription plan, so you can stay covered for as long as you need without being tied to set trip dates.

Founded by people who live the nomad lifestyle, SafetyWing understands the needs of global wanderers and offers coverage that reflects that. Their main goal? To give travelers peace of mind with access to healthcare and travel-related protection wherever they are.

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Key Areas of Coverage

Medical Coverage

Having dependable medical insurance while abroad is crucial. SafetyWing covers a wide range of medical needs, such as:

• Emergency treatments
• Hospital stays
• Prescription medications
• Emergency dental care

One standout feature is their coverage for emergency medical evacuation and repatriation. If you’re somewhere that can’t provide the medical care you need, they’ll arrange and pay for you to be transported to the nearest facility or back home.

In light of the pandemic, they’ve also added COVID-19 coverage, which includes testing and treatment if you catch the virus while traveling.

Travel-Related Coverage

SafetyWing also protects you from common travel hiccups, like:

• Travel delays
• Trip interruptions
• Lost checked luggage

A unique aspect of their plan is coverage for political evacuation and natural disasters. If your destination becomes unsafe due to unrest or a disaster, they’ll help you get to safety.

Extra Protection

SafetyWing doesn’t stop at basic travel insurance. They also include:

• Personal liability
• Accidental death & dismemberment (AD&D)
• Quarantine cost coverage (a very relevant feature today)

SafetyWing Pricing and Plans

When traveling the world, having the right insurance can make all the difference. SafetyWing offers two insurance plans tailored to digital nomads, long-term travelers, and remote workers: Nomad Insurance Essential and Nomad Insurance Complete. While both plans provide valuable coverage, they cater to different needs. Below, we’ll break down their features, costs, and key differences to help you decide which one is best for you.

Comparing the Plans: Essential vs. Complete

1. Medical and Health Coverage

• Essential Plan: Covers emergency medical treatments, hospital stays, and urgent care up to $250,000. Routine check-ups and preventive care are not included.
• Complete Plan: Provides comprehensive health insurance, covering emergency care, hospitalizations, routine check-ups, mental health support, and maternity care (after a waiting period). Coverage extends up to $1,500,000.

2. Travel Protection

• Essential Plan: Covers trip interruptions, lost checked luggage, and travel delays. Adventure sports coverage is available as an add-on.
• Complete Plan: Includes everything in the Essential Plan plus trip cancellations for illness or unforeseen events, coverage for lost/stolen baggage (including electronics), and built-in adventure sports protection.

3. Additional Benefits

• Essential Plan: Offers emergency evacuation, accidental death & dismemberment (AD&D) benefits, and personal liability coverage.
• Complete Plan: Extends coverage to cancer treatment, dental care, and home country coverage with restrictions.

4. Cost Comparison

• Essential Plan: Starts at $56.28 per 4 weeks for travelers aged 18-39.
• Complete Plan: Starts at $150.50 per month for travelers aged 18-39.

While the Essential Plan is a budget-friendly option, the Complete Plan is better suited for travelers seeking full health coverage beyond just emergencies.

Which Plan is Right for You?

• Choose the Essential Plan if you’re looking for affordable emergency medical coverage and standard travel insurance. It’s ideal for short-term travelers or those who already have health insurance in their home country.
• Go for the Complete Plan if you need a comprehensive policy that includes routine medical care, mental health support, and trip cancellation coverage. It’s a great option for long-term travelers and remote workers who want full protection while living abroad.

Things to Consider Before Purchasing

1. Age Restrictions for Senior Travelers

If you’re over 50, the cost of these plans increases, and the coverage may not be as competitive as other options. It’s advisable to compare plans from different providers to find the best fit for your needs (see below).

2. Exclusions and Limitations

While both plans cover a wide range of situations, some common exclusions apply:

• Pre-existing conditions are not covered.
• Professional or extreme sports require additional coverage.
• Cancer treatment and maternity care are only included in the Complete Plan.
• Home country coverage is limited and varies by plan.

3. Claims and Reimbursements

The claims process with SafetyWing is straightforward but requires proper documentation. You’ll need to submit medical reports and receipts to get reimbursed. A major advantage of the new policy is that there’s no deductible, meaning you get full reimbursement for approved claims.

Final Thoughts

If you’re a digital nomad, remote worker, or long-term traveler, SafetyWing Travel Insurance could be just the backup you need. Its flexible model, solid coverage, and reasonable price make it a strong option for those who live life on the go.

While it may have some limitations around pre-existing conditions and preventive care, it offers the protection you’re likely to need for medical emergencies and travel disruptions. SafetyWing’s focus on the nomad lifestyle sets it apart from more traditional insurance providers.

If you are a long term traveler over 50 SafetyWing may appear a bit expensive, but considering all the Medical And Travel Situations it covers it may be worth the money. I would advise you to check the informative documents in details.