Traveling Without Insurance: A Dangerous Gamble—Why SafetyWing Is Our Lifesaver

Why SafetyWing is a Top Choice for Long-Term Travellers and Digital Nomads

One thing we’ve learned through our years of full-time travel is that travel insurance is more than just a safety net—it’s a vital companion on every journey. Whether it's a last-minute flight change or an unexpected illness in a far-flung corner of the world, the right coverage ensures you can travel with peace of mind. With over 146 countries under our belts, we’ve explored the globe with the help of travel insurance—and today, we’re excited to introduce you to a provider that’s been with us every step of the way: SafetyWing.

In this guide, we’ll take you through the essentials of travel insurance, share why SafetyWing is our go-to choice, and dive into the new options available to help you choose the best plan for your needs.

Why Travel Insurance is Essential

Travel can throw curveballs, and health issues can crop up when you least expect them. That’s where medical coverage steps in, ensuring you're covered even when you're far from home. From minor injuries to more serious health concerns, having the right insurance can turn a stressful situation into a manageable one.

Trip Cancellation Insurance: Life happens, and plans change. Trip cancellation insurance is your financial safety net when you need to cancel or reschedule a trip. We’ve all been there—work emergencies, family obligations, or unforeseen events that make it impossible to travel. With trip cancellation coverage, you can rest easy knowing your investment is protected, and you can rebook without breaking the bank.

But as we've learned from our own experiences, health scares and emergency situations can add unexpected twists to your travels—moments that can take a serious emotional toll. Let us share one such experience with you that really changed how we approach travel insurance.

A Wake-Up Call: Why We’ll Never Travel Without Insurance Again

While we’ve experienced our fair share of bumps and bruises during our travels—stomach bugs in India, minor falls while at playgrounds—the most jarring experience occurred when Chloe fell seriously ill in Ecuador.

It all started on a quiet afternoon when Chloe developed a fever that quickly spiraled into a medical emergency. We had no idea what was happening, but we knew we needed help fast. As we found ourselves rushing her to a hospital in a remote part of Ecuador, we realized we were totally unprepared.

And here's the kicker: We didn’t have travel insurance at the time.

In hindsight, it was one of the most stressful times of our lives. We were in a foreign country, unable to communicate easily due to the language barrier, and navigating an unfamiliar healthcare system. On top of that, the medical bills piled up quickly. At that moment, we learned the hard way that travel insurance is not just a nice-to-have—it’s absolutely essential.

That experience made us realize that we could have avoided a lot of stress, confusion, and financial strain if we had had proper coverage. Thankfully, Chloe recovered, but we vowed we would never travel again without insurance. Now, we view travel insurance as one of the most important aspects of our trip planning.

Why SafetyWing Stands Out

As full-time travellers, we’ve tried various travel insurance providers over the years, but SafetyWing has consistently stood out for its flexibility, affordability, and comprehensive coverage. It’s not just about protecting yourself while abroad; it’s about giving you the freedom to explore without worrying about what might go wrong.

Comprehensive Coverage

SafetyWing’s coverage goes beyond the basics, offering peace of mind for everything from unexpected medical expenses to trip interruptions. Whether you're navigating a health issue in a remote area or dealing with lost luggage, SafetyWing has your back, so you can focus on the adventure, not the what-ifs.

Affordable Premiums

As full-time travellers, we have to be mindful of our budget, and affordability is key. SafetyWing provides high-quality coverage without breaking the bank. Whether you're a digital nomad, a long-term traveler, or a family on the go, SafetyWing’s budget-friendly premiums ensure that you're protected without stretching your travel budget.

Global Coverage, Wherever You Go

SafetyWing offers coverage in over 180 countries, so whether you’re wandering through the streets of New York or exploring the remote deserts of Namibia, you’re covered. Plus, for U.S. residents, you can add coverage for visits back home, ensuring you're protected no matter where your travels take you.

Essential vs. Complete: Which Plan is Right for You?

SafetyWing recently streamlined their offerings into two distinct plans: Essential and Complete. Here’s a quick breakdown of what each plan offers to help you choose the right one for your needs:

Essential Plan

• Coverage for unexpected medical issues while abroad

• Standard travel coverage, including lost luggage and trip delays

• $250,000 overall limit

• Ideal for short-term travelers and those seeking basic coverage

Complete Plan

• Worldwide coverage for unexpected and ongoing health issues

• Extended coverage for routine check-ups and pre-existing conditions

• $1,500,000 overall limit

• No coverage restrictions at home

• Ongoing coverage for new conditions (conditions may apply)

• Perfect for long-term travelers and digital nomads who need comprehensive protection

When we first started traveling, the Essential Plan was a perfect fit for our needs. It provided solid coverage for the basics—medical expenses and trip interruptions—without breaking the bank. However, as our travels evolved and we needed more robust coverage, we found that the Complete Plan was a better fit for us. The higher coverage limits and the inclusion of routine care gave us the flexibility and security we needed for long-term travel.

Whether you’re a short-term traveler or a digital nomad, SafetyWing has a plan that fits your needs.

Peace of Mind for Every Journey

Traveling full-time can be unpredictable. From navigating new healthcare systems to dealing with flight delays, there’s always something that could go wrong. But with SafetyWing, we know we’re covered no matter what happens. The peace of mind that comes with knowing we’re protected allows us to focus on what matters most: making memories, exploring new places, and experiencing the world together as a family.

Why We Recommend SafetyWing

After traveling to 146 countries and trying different insurance providers, SafetyWing remains our top choice. It’s flexible, affordable, and provides comprehensive coverage for both short-term and long-term travelers. Whether you're a solo adventurer, a digital nomad, or a family on the go, SafetyWing has a plan that will give you the protection you need without the hassle.

If you’re planning your next adventure, we highly recommend giving SafetyWing a try. It’s been an invaluable part of our journey, and we can’t imagine traveling without it.

Click here to get started with SafetyWing today!

With SafetyWing, you're not just getting insurance—you’re getting the freedom to explore the world with confidence. Here’s to your next adventure! 🌍✈️