Plan comparison · November 2026

SafetyWing Essential Annual Plan: 364 days, 10% savings

Going abroad for most of the year? Compare Essential Annual with four-week renewals and Complete. The annual option saves 10%, offers a digital card for eligible care and extends covered visits home.

Check Essential 364-day pricing See the three annual benefits

Ambassador disclosure: our primary SafetyWing links carry a referral identifier, and we may earn a commission if you purchase through them. We do not sell or underwrite insurance.

Choose by coverage needs

Examples, not individual insurance recommendations or coverage guarantees.

Travel medical

Essential · 4-week renewals

For travelers who mainly need emergency travel medical protection

See current 4-week quote

Recurring every 28 days; actual premium depends on your age and options

✓Unexpected illness, injury and hospital care
✓US$250,000 overall coverage limit in the current plan
✓Optional US, adventure-sports and electronics-theft add-ons
✓Auto-extends every 28 days, up to 364 days per policy

Check: Not routine health insurance. Pre-existing conditions, maternity and cancer treatment are excluded.

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Annual · save 10%

Essential · 364-day Annual Plan

For a traveler spending much of the next year abroad

Save 10% over 364 days

Pay once upfront; saving compared with 13 four-week periods. Check the exact live price.

✓Single upfront purchase for 364 days of Essential coverage
✓Up to 90 days per home-country visit (45 if home is the US)
✓Non-US home: max 179 covered days per policy; US home: 45 days per 180 days
✓US$150 digital prepaid card for eligible medical expenses; upload documents, then card limit restores after approval

Check: This remains Essential, not full health insurance. Visits home have eligibility rules and coverage limits.

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Fuller health coverage

Complete · Health + travel

For remote workers who need ongoing international healthcare

Check live monthly or annual quote

Separate health insurance product, with a 12-month commitment and different eligibility

✓Eligible routine care and medical emergencies
✓Preventive care, mental-health and cancer-treatment benefits
✓Travel protections and coverage in your home country
✓Optional dental, electronics and eligible region add-ons

Check: Pre-existing conditions are excluded. Benefit limits, waiting periods, residency and age eligibility apply.

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Essential Annual · long-stay guide

Three reasons to consider 364 days upfront

The Annual Plan is still Essential travel medical insurance, not Complete. It's designed for travelers who know they'll be away much of the year and can pay for their coverage upfront. Home-country benefits have additional conditions: the policy must already have been active for at least 90 days for home-country emergency claims to be reimbursed. Confirm all benefits and eligibility in SafetyWing's own quote.

10% less

One payment for 364 days

The annual rate is 10% below 13 equivalent four-week payments. Unlike recurring coverage, the whole amount is due upfront. Check whether a year of coverage matches your actual plans.

US$150

Digital medical-expense card

For eligible medical spending at a clinic or pharmacy, subject to the policy. It's not a free $150 gift or an insurance-premium credit. Upload documents after paying; the available limit resets after claim approval. The card is digital, not a physical card.

90 / 45 days

Longer covered home visits

Most home countries: up to 90 consecutive days per visit (max 179 days within 364 days). US home country: up to 45 days per visit and 45 days per 180 days of active insurance. Home visits must be temporary, originate from travel abroad, and satisfy the 90-day active-policy claim requirement.

What could the 10% saving mean for you?

Look up your actual Essential 4-week quote first, then enter it below. This compares 13 four-week periods (364 days) with a 10% lower upfront price.

My quoted Essential price per 4 weeks (USD)

Enter your four-week price to see the comparison.

Illustration only, not a SafetyWing quote. Actual annual pricing, add-ons, age bands, taxes and eligibility are determined by SafetyWing's own calculator. The annual payment is due upfront.

Essential: four-week vs. 364-day upfront
Feature	Four-week option	Annual (364 days)
Payment	Renews every 28 days	Pay 364 days upfront
Discount	No annual upfront saving	10% vs. equivalent four-week payments
Non-US home visits	30 days per rolling 90 days	90 days per visit; 179 days max per 364 days
US home visits	15 days per rolling 90 days	45 days per visit and per 180 days of active coverage
Digital medical card	Check the chosen policy benefits	Up to US$150 for eligible expenses; claim approval required
Flexibility	Stop future automatic renewals	Longer upfront commitment; consult cancellation and refund terms

How to see the Annual Plan in SafetyWing's calculator

Open the SafetyWing pricing calculator using our link.
Select Essential and enter the travelers' correct ages.
Choose the 364 days upfront option and review the 10% saving.
Read the displayed card, home-country and cancellation terms, then complete checkout only if it fits.

Check the current 364-day price

Affiliate link: we may earn a commission on qualifying purchases. This is not an insurer quote.

Who might benefit from paying for a year?

The annual discount is most relevant when your actual trip is long enough to use the cover. A 4-week option may be more practical when your dates or eligibility are uncertain.

Year-round digital nomads

Moving between countries while working remotely? Compare your expected 12-month insurance spending with the Essential Annual option.

Long-term travelers and backpackers

Have several months of travel already planned? Consider the upfront cost against flexible four-week renewals.

Families traveling together

Traveling with children or dependents? Request a group quote and check each traveler’s age eligibility, benefits and exclusions.

Gap year and working-holiday travelers

Leaving for an extended placement abroad? Check whether your length of stay, work activity and insurance conditions match the plan.

Build a realistic year-abroad budget

Insurance is only one part of the cost. Compare destinations, estimate living expenses and verify visa/work authorization before committing to an annual policy.

Budget calculator Compare city costs Check visa pathways

New ambassador reward

Eight weeks of electronics-theft add-on coverage

With an active creator reward code, eligible first-time Essential buyers can unlock eight weeks of electronics-theft add-on coverage at no additional charge. This is not eight weeks of free medical insurance. SafetyWing says the reward can also work with an eligible Essential annual purchase.

A Settled Nomad reward code has not been activated on this page. We will not publish a sample code as if it works.

How to redeem it

Open the official Nomad Insurance page.
Tap one of the three pink camera icons.
Enter an active ambassador reward code there, not at checkout.
Confirm the offer appears and read the eligibility conditions before purchasing.

Visit the SafetyWing page

See your actual SafetyWing quote

Age, dates and add-ons change the price. The current SafetyWing widget lets you check an official price, while the 364-day payment choice is selected during the insurer's quote process.

SafetyWing live pricing

Compare Essential options using your age and travel dates; check the annual option and any add-ons on SafetyWing.

Affiliate disclosure: we earn a commission if you buy through this widget, at no extra cost to you — it helps keep Settled Nomad free.

The annual option has a different home-country allowance

Essential's 364-day upfront option has a stated 10% saving relative to repeat four-week payments. Under the current policy it also permits up to 90 days per visit home (45 days if home is the US), up to 179 days total during the period, subject to eligibility and other conditions. Only unexpected emergencies during temporary visits can qualify, and the plan must be active at least 90 days before home-country claims can be reimbursed. The US$150 digital prepaid medical-expense card is subject to approved claims and documentation, not unrestricted cash.

Questions before purchasing

How are Essential and Complete different?

Essential focuses on unexpected travel medical events, with optional add-ons. Complete has broader health and travel benefits including eligible routine care, plus a 12-month commitment.

Is Essential Annual the same as Complete?

No. Paying for 364 days of Essential offers different pricing and some home-country benefits, but does not turn Essential into full health insurance.

How much can I save with the 364-day Essential Annual Plan?

SafetyWing advertises a 10% saving when paying upfront for 364 days of Essential compared with 13 equivalent four-week periods. The amount saved depends on your current quote, age, coverage and add-ons. The Annual Plan must be paid upfront.

Is the US$150 prepaid card a discount or cash gift?

No. The advertised US$150 digital medical-expense card is for eligible care under the 364-day Essential Annual Plan. Use it at an eligible clinic or pharmacy, submit the required claim documents, and the available card limit is restored once the claim is approved. Confirm access and conditions with SafetyWing during purchase.

How much of an annual policy covers visits to my home country?

For most non-US home countries, up to 90 consecutive days per visit and up to 179 days in the 364-day plan. If your home country is the US, up to 45 days per visit and 45 days in each 180 days of active coverage. The four-week Essential option instead offers up to 30 days per rolling 90 days, or 15 days for US home country. Home-country emergency coverage requires the Essential policy to have been active for at least 90 days before a claim can be reimbursed; visits must originate abroad, be temporary, and have supporting entry/exit records. Confirm your own eligibility.

Where do I enter the ambassador reward code?

On SafetyWing's Nomad Insurance page, tap one of the three pink camera icons and enter the active audience reward code there. Do not enter it in checkout. The perk is eight weeks of electronics-theft add-on coverage, not free medical insurance.

Can I use the perk without an active code?

No. An ambassador must create an active code in the Audience rewards section of their SafetyWing dashboard. Settled Nomad publishes a code only once it has been configured and confirmed.

Is this information still accurate?

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