SafetyWing Travel insurance (Nomad Insurance Essential)
Underwritten by SafetyWing · France
travel insurance from SafetyWing for the France market, with online purchase and 24/7 assistance.
Verified Aug 29, 2026 · Terms dated 2025-09Sources
Key facts
- Medical transport up to $250,000
- Starting price: $56.28per monthAs published by the insurer — it does not say who the price is for
Unique selling points
Zero deductible - no out-of-pocket costs before coverage begins on any claim
Flexible signup - you can buy or start coverage even after your trip has already begun
Global coverage across more than 180 countries with an easy 4-week subscription model
24/7 human customer support that responds in under a minute via live chat
Simple online claims process with reimbursement typically within 21 days
Coverage limits
Medical expenses overall limit
$250K
Medical treatment and hospitalization for new, unexpected illnesses and injuries while traveling is covered up to an overall limit of $250,000
Section: Explore what's covered > Essential plan
Medical treatment and hospitalization This includes: see more ... US$250,000 max limit
Emergency medical treatment
$250K
Emergency treatment for injuries and unexpected illnesses while traveling, up to the overall plan limit of $250,000
Section: Explore what's covered > Essential plan
Medical treatment and hospitalization ... US$250,000 max limit
Hospitalization
$250K
Hospital stays, nursing care, and ambulance transport for hospitalization are covered up to the overall limit of $250,000
Section: Explore what's covered > Essential plan
hospital stays nursing care ambulance for hospitalization ... US$250,000 max limit
Outpatient treatment
$250K
Outpatient diagnostics and eligible medical expenses (e.g. X-ray, MRI, blood count) are covered up to the overall limit when deemed medically necessary
Section: Medical > Diagnostics
Examples: X-ray, MRI scan, CT scan, complete blood count. Covered if deemed medically necessary by a physician (exceptions: psychometric, intelligence, behavioral or educational testing are not included).
Emergency dental treatment
$1K
Emergency dental treatment to relieve acute onset of pain, or dental surgery following an accident, is covered up to $1,000 per active insurance period
Section: Medical > Pain relieving emergency dental treatment
SafetyWing covers: Up to $1,000 in relation to acute onset of pain.
Ambulance / medical transport
$250K
Ambulance transport for hospitalization is covered at usual, reasonable and customary charges up to the overall limit
Section: Medical > Ambulance and emergency transportation
Emergency local ambulance transportation is covered as long as the illness or injury results in hospitalization for an illness or injury that is also covered under the Policy. The Policy does not provide cover for search and rescue services.
Emergency medical evacuation
$100K
Evacuation to the nearest qualified hospital is covered up to $100,000 during the insured's lifetime (lifetime max), reduced to $25,000 in relation to a pre-existing illness or injury
Section: Medical > Emergency transportation to a better equipped hospital (medical evacuation)
SafetyWing covers: Up to $100,000 during your lifetime (lifetime max), or $25,000 in relation to a pre-existing illness or injury. Up to $5,000 for a ticket to return to your home country.
Search and rescue
Excluded
Search and rescue services are not covered.
Section: Medical > Ambulance and emergency transportation
The Policy does not provide cover for search and rescue services.
Pre-existing conditions
Conditional
Pre-existing conditions are excluded, except that acute onset of a pre-existing condition may be covered up to the overall limit if it is essential and necessary to stabilize the condition and specific policy conditions are met
Section: Medical > Emergency treatment of a pre-existing illness or injury
Pre-existing illness or injuries are not covered in general, but emergency treatment of a pre-existing illness or injury is covered.
Winter sports cover
$250K
Injuries from leisure sports and activities including skiing and snowboarding are covered as standard up to the overall limit of $250,000
Section: Explore what's covered > Essential plan
Injuries from leisure sports & activities See full list of activities here US$250,000 max limit
Adventure sports coverage (optional add-on)
Optional
Essential plan can be extended with an optional add-on to cover higher-risk adventure activities such as scuba diving, paragliding, and white water rafting
Want to add extra coverage? US coverage For non-residents only Learn more Adventure sports Learn more Electronics theft Learn more
Pregnancy complications / maternity care
Excluded
The Essential plan does not cover pre-existing conditions, maternity care or cancer treatment
Section: Explore what's covered > Essential plan
The Essential plan does not cover pre-existing conditions, maternity care or cancer treatment. Limited coverage for visits to your home country.
Key conditions
Assistance call deadline
No specific pre-authorization call deadline is stated in the reviewed sources; the plan operates on a reimbursement basis where claims are submitted after treatment
Unauthorized treatment
Not explicitly stated in the reviewed sources; charges exceeding usual, reasonable and customary amounts are excluded
Purchase while abroad
You can buy or sign up for Nomad Insurance Essential before you depart or at any point during your travels, even if your journey has already started
Chronic conditions
Chronic and pre-existing conditions are not covered, except for the acute onset of a pre-existing condition under specific eligibility criteria
Pregnancy
The Essential plan does not cover maternity care or pregnancy-related benefits
Pre-existing condition exclusions
Pre-existing conditions are excluded from coverage, with a limited exception for acute onset of such conditions if strict conditions are met
Coverage duration limit
Coverage automatically renews every 4 weeks (28 days) like a subscription until cancelled, up to a maximum of 364 days per certificate period
Direct payment
Nomad Insurance Essential operates on a reimbursement basis: the policyholder pays for treatment upfront and submits a claim online for reimbursement, typically processed within 21 days or less
Territorial scope
Coverage applies while traveling outside your home country; US coverage requires an optional add-on; limited coverage applies when visiting your home country
Documents
Policy specifics
Limited home country coverage
Essential plan provides limited medical coverage for visits to home country after 90 days abroad
SourceSection: Explore what's covered > Essential plan
Limited coverage for visits to your home country.
Adventure sports coverage (optional add-on)
Essential plan can be extended with optional add-on for adventure sports coverage
SourceWant to add extra coverage? US coverage For non-residents only Learn more Adventure sports Learn more Electronics theft Learn more
Electronics theft coverage (optional add-on)
Essential plan can include optional electronics theft coverage for laptops, cameras, and phones
SourceWant to add extra coverage? US coverage For non-residents only Learn more Adventure sports Learn more Electronics theft Learn more
US coverage for non-residents (optional add-on)
Essential plan offers optional US coverage for travelers who are not US residents
SourceWant to add extra coverage? US coverage For non-residents only Learn more Adventure sports Learn more Electronics theft Learn more
Pre-existing conditions exclusion
Essential plan does not cover any pre-existing conditions
SourceSection: Explore what's covered > Essential plan
The Essential plan does not cover pre-existing conditions, maternity care or cancer treatment.
Maternity care exclusion
Essential plan does not cover pregnancy-related care or maternity benefits
SourceSection: Explore what's covered > Essential plan
The Essential plan does not cover pre-existing conditions, maternity care or cancer treatment.
Cancer treatment exclusion
Essential plan does not cover cancer treatment
SourceSection: Explore what's covered > Essential plan
The Essential plan does not cover pre-existing conditions, maternity care or cancer treatment.
No deductible requirement
Essential plan has zero deductible - no out-of-pocket costs before coverage begins
SourceSection: Nomad Insurance Essential: Does it meet my visa requirements?
This plan does not have any deductibles.
Reimbursement claim model
Essential plan operates on a reimbursement basis - policyholder pays upfront and claims are reimbursed
SourceTravel warning exclusion
Essential plan excludes coverage for health issues if travel warning is in place at booking or if policyholder doesn't leave within 10 days of warning issuance
SourceSection: Nomad Insurance Essential: Does it meet my visa requirements?
If a health warning is in effect at the time you book your travel, Nomad Insurance Essential will not cover any illness or injury that results from the warning. If a health warning goes into effect while you are abroad and you don't leave within 10 days from that date, we will not provide coverage
Work-related accidents exclusion
Essential plan does not cover accidents or injuries occurring during work
SourceSources
- assets.ctfassets.nethttps://assets.ctfassets.net/hal1sayc3tet/3GMNdriEzp38MZ3NgCJHap/f56cf2c899d152da058cdc41286a563e/NI-Essential-Policy-2025-09-03.pdf#page=10(opens in a new tab)
- assets.ctfassets.nethttps://assets.ctfassets.net/hal1sayc3tet/3GMNdriEzp38MZ3NgCJHap/f56cf2c899d152da058cdc41286a563e/NI-Essential-Policy-2025-09-03.pdf#page=5(opens in a new tab)
- assets.ctfassets.nethttps://assets.ctfassets.net/hal1sayc3tet/3GMNdriEzp38MZ3NgCJHap/f56cf2c899d152da058cdc41286a563e/NI-Essential-Policy-2025-09-03.pdf#page=6(opens in a new tab)
- assets.ctfassets.nethttps://assets.ctfassets.net/hal1sayc3tet/3GMNdriEzp38MZ3NgCJHap/f56cf2c899d152da058cdc41286a563e/NI-Essential-Policy-2025-09-03.pdf#page=7(opens in a new tab)
- intercom.helphttps://intercom.help/safetywing/en/articles/9773320-nomad-insurance-essential-does-it-meet-my-visa-requirements(opens in a new tab)
- safetywing.comhttps://safetywing.com/nomad-insurance(opens in a new tab)
- safetywing.comhttps://safetywing.com/nomad-insurance/faq(opens in a new tab)
SafetyWing Travel insurance