How we researched this
Nomad Insurance Complete is SafetyWing's full health insurance plan for nomads and expats — adding routine and ongoing care to the emergency protection found in Essential.
Coverage summary
| Benefit | Limit |
|---|---|
| Medical treatment & hospitalization | $1,500,000 annual max |
| Evacuation to better-equipped care | $100,000 lifetime max |
| Doctor & specialist visits | $5,000 outpatient limit |
| Routine check-ups, screenings & vaccines | $350 |
| Wellness therapies (chiropractic, dietician, etc.) | $60/visit, $5,000 outpatient limit |
| Psychologist / psychiatrist visits | 10/year, $5,000 outpatient limit |
| Cancer tests & treatment | $1,500,000 max |
| Maternity care | $2,500 limit, 10-month waiting period |
| Lost checked luggage | $500/item, $3,000 max per plan |
| Stolen belongings (passport, wallet, burglary) | $5,000 limit |
| Trip cancellation | $300/trip, $600/year |
Structure and commitment
Complete requires an application, which SafetyWing states can take up to 10 days to process; coverage then starts on the 1st or 15th of the month. Unlike Essential, Complete carries a 12-month commitment. You can cancel within the first 15 days of coverage or at renewal without penalty; canceling mid-contract otherwise caps your refund at 65% of unused coverage, unless you have a qualifying life event.
What's excluded
Like Essential, Complete does not cover pre-existing conditions. SafetyWing defines a pre-existing condition broadly — any illness or injury treated or diagnosed at any point in your life, or with symptoms experienced in roughly the last two years before your policy started.
Add-ons
- Hong Kong, Singapore & US add-on — extends coverage in these higher-cost regions beyond the default 30-days-per-trip / 183-days-per-year limit
- Dental coverage — up to $1,000/year, with a $250 limit in the first six months and the remaining $750 available after
- Electronics theft — up to $2,000 per item, $5,000 annual limit
Who Complete suits
Complete makes the most sense for people genuinely living abroad long-term who want one plan that behaves like real health insurance — not just an emergency backstop. If you're on a shorter or more open-ended trip and don't need routine care covered, Essential is the more cost-effective starting point.
SafetyWing · Complete
Explore Nomad Insurance Complete
Broader ongoing health coverage for people living abroad long-term.
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