Which Plan Is Right For You?

Whether you’re traveling to Europe for two weeks or planning an epic adventure around the world, you need travel insurance.

seriously.

I know, it’s not a fun topic to read about. And yes, this will add to your travel budget. But after nearly two decades on the road, I’ve learned the hard way just how important travel insurance is.

I’ve lost my luggage, punctured my eardrum, and even been stabbed. If I throw in the countless delayed and canceled flights, I’ll be out thousands and thousands of dollars.

Fortunately, I had travel insurance. They were there to help me get through the problems and make sure I didn’t go bankrupt paying emergency expenses.

these days, Safety suite It is my travel insurance company. I have used them for years and have found their plans to be very affordable, their customer service is fast and friendly, and their coverage is adequate for what I need.

Currently, SafetyWing offers two plans to travelers:

• Al-Badawi basic insurance
• Bedouin insurance is complete

Although both plans are great, each is designed for specific types of travelers. In this post, I’ll break down what each plan covers and who it’s aimed at so you can decide which plan is best for your next trip.

SafetyWing Basic Plan

This is the main travel insurance plan from Safety suite. It’s designed for travelers who want basic coverage without spending a lot of money. It’s the plan I use when I travel these days.

The plan costs just $56.28 for 4 weeks (for travelers ages 10-39). This is one of the lowest rates available for reliable travel insurance. It is very competitive when it comes to price.

For comparison, similar plans from other companies are twice that (or more). The plan is suitable for travelers up to age 69, although travelers between the ages of 60 and 69 will pay $196.84.

Here’s what the Basic plan covers at a glance:

• $250,000 for emergency medical treatment and hospitalization
• $100,000 for medical evacuation
• $250,000 for car accidents
• Up to $3,000 for lost baggage ($500 per piece)
• $10,000 for eviction due to political unrest
• $5,000 for trip interruption
• $200 for travel delays ($100 per day for two days)

They also have three useful extras:

• Coverage of adventure sports
• Coverage if you are visiting the United States
• Electronics theft coverage

Since not everyone needs these items, I like to have them available as add-ons. Personally, I always need extra coverage for electronics, but I never need coverage for adventure sports because I’m the complete opposite of an adrenaline junkie. I like that I can customize the plan to fit my travel plans/travel style.

Who is the Basic Plan for?

SafetyWing’s basic plan is great for a wide range of travelers. Here are the types of travelers I think the policy is best for:

Their backs -I think the Essential plan is the best travel insurance plan for budget travelers. This is what I use when I travel these days because it balances affordability and coverage. At just a few dollars a day, it won’t break the bank and you’re covered for all of your most serious potential emergencies.

Mid-range and budget travelers -If you’re traveling to Europe for a few weeks or heading to the Caribbean for a relaxing vacation, this plan is for you. It balances the cost with emergency coverage, plus some coverage for things like delays and cancellations.

The complete SafetyWing plan

The complete plan is insurance for digital nomads, remote workers, and long-term travelers. It’s a combination of standard emergency coverage (similar to the basic plan above) but also includes “regular” non-emergency coverage.

So, the plan covers not only things like emergency injuries and illnesses, but also routine visits and preventive care. It’s an exact replica of the type of health insurance you would find in your home country, ensuring you get care no matter what happens.

The plan costs $150.50 for 4 weeks (for travelers ages 18-39). It is available to travelers up to 64 years of age.

Here’s a look at what the plan covers for emergencies:

• $1,500,000 to cover medical emergencies
• $100,000 for medical evacuation
• $1,500,000 for car accidents
• Up to $3,000 for lost baggage ($500 per piece)
• $10,000 for eviction due to political unrest
• $5,000 for trip interruption
• $150 per day for travel delays (up to three days), and $60 for delays of more than three hours
• $100,000 for accidental death

In general, this plan’s emergency coverage is similar to the Basic Plan, but expanded and with higher limits.

Here’s a look at the plan’s “standard health care” coverage:

• $5,000 for a doctor visit (dermatologist, gynecologist, etc.)
• $300 for routine checkups
• 10 visits to a psychiatrist or psychiatrist per year
• $1,500,000 for cancer treatment
• $2,500 for maternity care
• $5,000 for health treatment
• $5,000 for stolen property

As you can see, the full plan is much stronger than the basic plan. It’s the plan I wish I had when I first started backpacking full time because it’s so comprehensive. If I were working remotely abroad full time, this is the plan I would use.

In addition, new conditions such as diabetes or asthma are covered under the full plan (pre-existing conditions become under the basic plan). This is something that a lot of other companies don’t offer, which I think is a big plus.

However, one important difference between the Complete and Basic plans is that, unlike regular travel insurance, applicants must be approved for the Nomad Insurance Complete program. You can’t just purchase a plan and be on your way, as the insurance team needs to review your application, as well as any medical history and/or pre-existing conditions. They may also request additional medical notes or documents.

While I don’t like that some people are left off the list and you can just buy a plan with one click and be on your way, I understand the reasoning behind this given the cost of healthcare around the world.

Whose full plan?

The complete SafetyWing plan is ideal for three types of travelers:

Long term travelers – If you plan to travel for a year or more, this is the plan for you. It will ensure that you have coverage for emergencies, as well as for routine checkups. Higher coverage limits for delays and cancellations are essential for those who travel frequently.

Digital nomads – If you will be traveling and working, you will need emergency coverage with a high limit. The health coverage included in the full plan is also a nice touch.

Expatriates – If you live abroad for some (or all) of the year, you will need to take out emergency cover in addition to regular checkups. Evacuation coverage is also essential if you live in more disturbed areas.

I never leave home without travel insurance. For just a few dollars a day, you’ll not only be guaranteed not to go bankrupt if an emergency occurs, but you’ll also have peace of mind knowing that you have help and support if something happens.

Whether you’re a budget traveler looking for a basic plan or a seasoned digital nomad who needs solid healthcare, Safety suite Have you covered.

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