SafetyWing eligibility rules
Proper health insurance for people who left, renewable for as long as you keep going. Every row below is taken from SafetyWing's own policy wording, FAQ or terms, with the date we last checked it.
The rules in full
| Rule | Answer | What the wording says | Confidence |
|---|---|---|---|
| Who can buy it | Most countries | Complete is not sold to residents of the USA and its territories, Canada, Ireland, the UAE, Saudi Arabia and a sanctions-related list. Essential has no such list. | verified |
| No fixed country of residence | With conditions | Sold on a declared residence country; nomads commonly enrol, but the excluded-residence list still applies. | partly |
| Buying after you have left home | Yes | Can be started while already travelling, like Essential. | partly |
| Maximum age | 69 | Same age brackets as Essential; cover runs to term once bought. | partly |
| One-way and open-ended trips | Yes | Monthly health plan, no return date required. | verified |
| Longest trip | 12 months, renewable | “Ongoing coverage, renewable indefinitely.” The long-stay answer when Essential's 364 days run out. | verified |
| Pre-existing conditions | No | Pre-existing conditions still excluded, but newly arising chronic conditions and cancer treatment ARE covered, unlike Essential. | verified |
| Cover in the USA | With conditions | Paid US add-on gives full benefits for up to 6 months in the USA (non-US residents only). | verified |
| Schengen visa certificate | With conditions | Exceeds €30k medical; visa letter from the dashboard, consulate acceptance varies. | partly |
| Winter sports | Yes | Adventure sports reported included at this tier. | partly |
| Scuba diving | With conditions | Reported included; confirm depth limits in the wording. | partly |
| High-altitude trekking | With conditions | Reported included; confirm altitude limits. | partly |
| Scooters and motorbikes | With conditions | Covered if licensed for the area (incl. IDP where required) and wearing a helmet; racing excluded. | partly |
| Working abroad | Not verified | Built for remote workers; manual-work exclusions not verified. | low |
| Trip cancellation | No | Health insurance, not trip insurance: no cancellation or baggage cover. | verified |
| Families | Yes | Individual, couple and family enrolment available. | partly |
Who underwrites it
SafetyWing Insurance I.I. (Puerto Rico, Class 5). The carrier matters more than the brand: it is the entity that actually pays your claim and the one whose regulator you would complain to.
Our commercial relationship
We may earn a commission if you buy through our link to SafetyWing. That is disclosed on every link, and it never changes where they appear or in what order. ~10% of premium, reported recurring for the referred user's first 364 days.
Sources: safetywing.com, intercom.help. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.