SafetyWing

What SafetyWing is

SafetyWing sells insurance under its own product names through a managing general agent; it is not itself the insurer on either product. Its Nomad Insurance page says, "SafetyWing (Managing General Agent), Ltd, a Turks and Caicos registered managing general agent, is the plan administrator for certain insurance products underwritten and offered by SafetyWing Insurance I.I., a Class and Class 5 Puerto Rico domiciled international insurer." Its Remote Health page names a different carrier: "Plans are underwritten by VUMI Group I.I., a licensed international insurer supervised by the Office of the Commissioner of Insurance of Puerto Rico (OCS), organized under Chapter 61 of the Puerto Rico Insurance Code," and adds that "SafetyWing (Managing General Agent) Limited, registered in the Turks & Caicos Islands (Company Number TC050364), is the authorized agent of VUMI Group I.I." So one Turks and Caicos agent sits in front of two Puerto Rico insurers, SafetyWing Insurance I.I. for the individual product and VUMI Group I.I. for the company product. The regulator is named only on the Remote Health page.

The homepage splits the business along the same line. "For individuals and families," it says, "Nomad Insurance covers extended travel and health worldwide. Choose from two coverage levels based on your needs." "For companies," it says, "Remote Health is a global health insurance for companies," covering "team members and contractors worldwide under one plan." The footer gives "San Francisco, USA" and a copyright line for "Safety Nest, Inc." The company describes itself as "your home country on the internet" and says its products are designed by a team "that has always been fully remote, distributed across six continents." A banner also announces a new membership, Nomad Citizen, pitched as protecting "health, income and travels," with no detail on the pages here.

Nomad Insurance Essential

Essential is labeled "Travel medical insurance." The plan card lists "Coverage for up to 364 days at a time," "Treatment for new, unexpected issues while traveling," "Hospital stays, surgeries, medications," "Lost luggage, travel delays, emergency evacuations" and "Up to 30 days of medical coverage in your home country." The card price is "62.72 / 4 weeks for ages 18-39, in USD."

The benefits table below it sets a "US$250,000 overall limit." Medical treatment and hospitalization, which the page says includes hospital stays, nursing care, ambulance for hospitalization, diagnostics like MRIs, extended care after hospital and emergency dental "(up to $1000)," carries a US$250,000 max limit. Evacuation to a better equipped hospital is capped at a US$100,000 lifetime max. Lost checked luggage pays US$500 per item and US$3,000 max per plan. Injuries from leisure sports and activities carry a US$250,000 max limit, and so do motor accidents, but only "If properly licensed, wearing all safety equipment and not intoxicated." Trip interruption for a family death pays "US$5,000 for ticket home." Travel delay covers an unplanned overnight stay at "$60 for a 3-8 hour delay" and "$150 for 8+ hour delays." Evacuation from local unrest has a US$10,000 lifetime max. On death, the plan pays "US$20,000 for transport" and "US$10,000 for local burial."

The page is plain about the limits of this tier: "The Essential plan does not cover pre-existing conditions, maternity care or cancer treatment. Limited coverage for visits to your home country."

Nomad Insurance Complete

Complete is labeled "Full health insurance with extra travel protections" and carries "Everything in the Essential Plan, plus" five additions: "Ongoing coverage, renewable indefinitely," "Routine and emergency medical care anywhere in the world," "Wellness therapies, mental health support and cancer treatment," "Burglary, canceled accommodation, delayed luggage," and "No coverage restrictions at home." The card price is "177.50 / month for ages 18-39." So cancer treatment, excluded on Essential, is listed as included on Complete, and home-country cover moves from a 30-day allowance to no restriction. The FAQ carries a question on "Which procedures need pre-approval on the Complete plan and why?", which tells a buyer that pre-approval applies to some Complete procedures.

Buying Nomad Insurance

Both tiers can be bought on the road: "Sign up before you depart or at any point during your travels or while living abroad." The page says, "Stay covered across 180+ countries. US coverage is extra." Three add-ons sit in the pricing calculator: US coverage, marked "For non-residents only," Adventure sports, and Electronics theft. The calculator prices by age band, "Under 10," "10-39," "40-49," "50-59" and "60-69," and lets a buyer add travel companions.

The calculator shows Essential "Paid every 4 weeks," and the FAQ refers to auto-extending an Essential policy "every 28 days." Paying "in full for specific dates" over 364 days brings a "10% discount." The calculator also lists "30 days home country coverage" and a "$150 preloaded debit card" with Essential.

For claims, the page promises a "Simple claims process": "Tell us what happened and get your money back within a few days." Support is "24/7 human support," and "Our friendly customer care specialists respond in less than a minute via live chat."

The FAQ index shows what the company expects to be asked: whether US citizens can buy, whether Nomad Insurance meets visa requirements and how to get proof of insurance for a visa, how to switch from Essential to Complete, moped and scooter accidents, pregnancy and childbirth, how claim disputes are handled, and why the insurer is based in Puerto Rico. The FAQ gives those as questions only, and the page shows no deductible for either tier.

Remote Health for companies

Remote Health is a group product: "Remote Health plans are available to businesses only." It covers "employees, contractors, and freelancers in 175+ countries" under one plan, "without provider restrictions or medical underwriting," and lists "Medical history disregarded." Members "visit any public or private provider," while admins "manage it all in one dashboard." Group pricing, "40% discount," applies "only to plans with 5 or more members"; "Teams with 1- 4 members receive individual pricing and medical history review."

It comes in three tiers. On the plan cards, Standard is "$162 USD / month," Premium "$243 USD / month" and Premium Plus "$315 USD / month"; the calculator takes member counts in four age bands, "Age 18-39" to "Age 60-74," and the cards do not tie their figure to a band.

• Standard, "Comprehensive routine and emergency medical care": max coverage limit US$1.5M, outpatient US$5,000, screenings and vaccines US$350, mental health 10 sessions, complementary therapies 15 sessions, maternity US$2,500 with a "10-mo waiting period," dental and vision US$0.
• Premium, "Everything in Standard plus dental, vision, and more wellness visits": same US$1.5M limit and US$5,000 outpatient, screenings US$500, mental health 15 sessions, complementary therapies 20 sessions, maternity US$4,500 with the same waiting period, dental US$1,500, vision US$500.
• Premium Plus, "Everything in Premium plus highest limits for wellness and maternity": limit US$5M, outpatient US$7,500, screenings US$1,000, mental health 20 sessions, complementary therapies 30 sessions, maternity US$7,500 with the same waiting period, dental US$1,500, vision US$500.

The page says the plan offers "full coverage in the member's home country and no exclusions for pandemics." It also flags a local-rules limit: in Germany, Switzerland, the Netherlands and Australia, "local regulations may restrict members from using Remote Health as their primary health insurance," though it can still serve as a top-up plan there. The company says it cannot advise on tax, visa or contractor misclassification questions. It claims "2,000+ companies since 2019."

Who it suits

On the site's own terms, Nomad Insurance fits an individual or family living on the move who wants to buy online, possibly after leaving home, and pay by the 4-week period. Essential is travel medical cover with a US$250,000 overall limit and firm exclusions for pre-existing conditions, maternity and cancer; Complete is the tier the site calls full health insurance, with renewal described as indefinite and home cover unrestricted. Anyone who needs US cover pays for an add-on that the page limits to non-residents. Remote Health is for an employer covering a distributed team, with published tier limits and a group discount from five members.