Unfortunately, travel insurance companies typically don't cover pre-existing conditions. From what we have researched, the OneTrip Prime Plan from Allianz Global Assistance might be a good option you can look into. Every person's situation is different, and we aren't experts, but hopefully that helps! Where are you planning to live abroad?
Hi guys. Thank you for your review. Btw: Happy to hear LUMA was great with your operation and everything went great :) So.. I was wondering if you have used the SW insurance this year? So maybe you can tell me(us) if the service was good/great, if they act well, if the payback quickly... Thank you ! :)
This is great information. I’ve used world nomads before and thinking about using LUMA for a 6 month Southeast Asia trip. For someone in their 40’s, Safetywing’s quote is 35% more expensive than World Nomads’, that was surprising. Anyhoo, thank again for the great insights and personal experiences with all 3.
Thank you, we're so glad it was helpful and we really appreciate your comment! That's good to know that SafetyWing increases by that much based on age. That is surprising. Cheers and enjoy your trip in Southeast Asia! We love it there!
Thank you so much for this excellent video, with nice clear information and a personal touch. It's great that LUMA covered you for your original surgery, as SafetyWing doesn't cover cancer. I've read some pretty bad reviews on the SafetyWing claims process - have you experienced and delays or claims denials? ~ Mandy
Hi Mandy, thanks so much, we appreciate your feedback! :) Luckily, we haven't needed to make a claim with SafetyWing yet. If you're looking for more extensive medical coverage while you're abroad, you can check out Genki Resident. We made another video about their coverage which you can check out here: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-_nKGhm0wAIo.html
@Twocantravel Thank you 😊 I had watched that video & contacted them... but as I was travelling for 32 days, I would have had to pay for 2 full months 😳 That's an unfortunate feature of their set up. ~ Mandy
Hope I'm not catching you too late, just saw your comment here. That is unfortunate. With SafetyWing, you can cancel your plan and get prorated for the days you did not use. We just did this and they sent the money within 2 days.
Thanks for the comparison! We’ve been using SafetyWing for a few years now, but I was thinking it’s time to compare what other options are out there these days. There weren’t these Digital Nomad plans way back when we started traveling long term. I’ll take a look at World Nomads to see how it compares. 🌺✈️ Heidi
Thanks, Heidi! We know what you mean. It's great that there are so many more options now. We've been happy with SafetyWing, but recently also checked out Genki, another nomad insurance, because they have longer coverage for Americans traveling to the US. We made another video comparing them with SafetyWing if you are interested ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-9ER8g4vf2Qk.html
OK, Imma comment cause I never do. This is THE BEST MOST CONCISE video I have seen on this subject; THANKS. I came looking for info on Safetywing because I wanted to compare SOMETHING to LUNA before I bought (leaving Thailand to go to Vietnam) NOT having a clue you would mention LUNA in the video! So, it looks like I can go either way although LUNA seems a bit more expensive, I understand WHY now that you eluded to what they offer. Sometimes everything in day just comes together. Happy Travels.
Thank you for your comment!! We are SO happy to know this video was helpful for you. LUMA was such a great option for us when we were based in Asia. SafetyWing has been really convenient, especially the lower price, but like you said, what they offer is quite different. Happy travels to you as well!
So informative !! Thank you Guys! new Subscriber!!! My wife and I are gonna take a road trip to Portugal from Estonia we will have few stops of course and the trip will be around a month so I am considering Safety Wing! Doing my research now
3:48 made me laugh came here for just some quick info don't usually sub to travel channels because I loved how cute the humor was so I subbed. Keep it up guys.
We're glad this was helpful! We've only been to Peru and Costa Rica in 2023 and neither required any proof of Covid testing or vaccination. You'll want to check the government websites for the countries you want to visit to see their requirements.
When you started traveling again from the U.S., did you keep your ObamaCare policy and layered SafetyWing on top? If so, was the idea that SafetyWing would take care of any unforeseen injuries or illnesses but if you got a catastrophic diagnosis you would return to the U.S. to use your ObamaCare policy? Very informative! Thank you!
Hey Joseph, thank you! No, we canceled our ObamaCare policy when we left the US because it is only helpful if we are there but doesn't cover anything abroad. When we're abroad, we feel comfortable just paying out of pocket for outpatient medical care and having SafetyWing in case of anything catastrophic. Medical care abroad is just so much more affordable! When we went back to the US in March, our SafetyWing policy covered us for 15 days there. But we are looking into other options for US coverage for longer stays.
Thanks for your informative video. We need coverage for tech equipment like cameras and camera gear, laptop, wedding ring, which travel insurance would you recommend??
Thanks for watching! I'm sorry we don't have any personal recommendations for those types of insurances as we haven't purchased them ourselves. We just set money aside in case we need to replace tech items, and I (Jen) don't travel with any expensive jewelry.
I think it’s a very important topic. As you age it gets more important. Unfortunately it’s also gets more expensive as you age. Seems aging should not be a secret and if you’re fortunate you will participate in this process. I find is very prejudicial not insuring individuals over 69/70. So what options to elderly travelers have? Sounds grime
In another comment someone mentioned a company called SOS International for people over 69. We don't have experience with them, but it might be worth looking into.
In 2019 we used our LUMA international health insurance. That insurance covered us all around Asia for inpatient care and for major emergencies. Jen had surgery at a hospital in Bangkok to remove a tumor on her ovary, and the $6,000 USD operation was totally covered by that insurance. We only paid $500 USD out of pocket for out patient doctor visits. LUMA is not technically a travel insurance company, but it could be a good option for someone looking for international health insurance.
Will Serbia accept either Safety Wing or World Nomads as the "must have health Insurance" ? How many months can you purchase or is it month to month only ? Thanks so much for this video.
We haven't traveled to Serbia before, but in our experience traveling in many other countries, both SafetyWing and World Nomads are accepted as "must have health insurance". You can purchase SafetyWing month-to-month or put in your specific travel dates. With World Nomads you put in your travel dates for coverage and you can extend your policy while you are on the road. Thanks for your comment! :)
Are you an American? If your current medical insurance doesn't cover you during those trips, then we definitely would recommend getting insurance that does, just to be safe. If you're traveling more than 100 miles from your home to go to Vegas then World Nomads should cover you (definitely read the fine print to make sure).
The easiest thing to do is to get a quote online after filling in your details (dates, where you're from, where you're traveling, age, etc.) and then there will be a full description of the coverage there. There's a link to get a quote in the description box.
Unfortunately, we don't know of any insurance companies that offer travel insurance for people 70+. If anyone reading this comment knows, please share!
At that age, you are stuck being self insured by your own wealth ... or you have become a resident in a foreign country as a retired person, and are covered by their healthcare system. This is an important part of retirement planning.
If you are a new client with them and you paid only the first month and you need their coverage during that same month, will they be able to cover their new clients in that case?
In that case, as long as you are out of your home country and have signed up for a policy and paid the premium you should be covered. Here is what it says on the website: "Insurance hereunder is effective on the later of: a. The moment we receive an application and correct premium if the application and payment is made online or by fax; b. 12:01am US Eastern Time on the date we receive an application and correct premium if the application and payment is made by mail; c. The moment you depart from your home country; or d. 12:01am US Eastern Time on the date requested on the application if correct premium is received." We hope that's helpful. Always be sure to read the full policy.
@@Twocantravel for a couple over sixty five insurance becomes a big outlay of cash. Possibly best to go on 60 day visits only? Thanks a lot for your research..
@@Twocantravel over in Australia when you work for a mining company, they usually use this company for their employees. A couple of years ago I got a quote from them as an individual and it seemed cost competitive?. But not many nomads use this company
SafetyWing's Nomad Insurance covers people from all over the world, including the United States. We haven't read anything about Florida being excluded.
Unfortunately, that is true with most travel insurance companies. Someone else in the comments mentioned SOS International for people over 60. We don't have any experience with them but could be worth checking out.
@@joyvonne4218 We have not needed to prove our insurance here in Europe, but some countries may ask for it when you are applying for a visa. It's good to carry a print out of your proof of insurance just in case.
