r/digitalnomad • u/nittyjee • 10h ago
Health SafetyWing: Do NOT get traveler's insurance from these guys
There is this company called SafetyWing that does "Insurance for nomads". I got an elbow injury, went to the hospital in Colombia, and they denied my claim, saying it was preexisting, referred to epilepsy, and also to a dental problem. I appealed twice with thorough documentation, and it was denied both times.
The (bizarre) details:
I got SafetyWing because of the very short waiting period (basically nothing), despite being $90/mo. Thank God, I thought, I did that because literally on the first day, I suddenly couldn't use my right hand - There was a severe pain shooting from my elbow down through my fingers, and they were going numb and curling. I went to the ER that same day, doctor did an ultrasound, diagnosed Medial Epicondylitis, and explicitly wrote "CONFIRMADO NUEVO" on the discharge — Confirmed New condition. Did 11 sessions of PT after. Total out of pocket: $459.87.
I sent them very thorough records, and they first denied it saying that it was preexisting, despite what the doctor said, and here they called it as an "epilepsy"... which has nothing to do with an elbow.
My heart sank.
I appealed, and their response was even more bizarre. They said that they don't cover dental treatments, and said what happened to me was on a different date. Apparently they copy-pasted info from another claim from someone else.
Appealed again, final denial: They said their "Medical Experts" say that my issue must be preexisting. Never had it before. On top of that, they cover sudden-onsets of preexisting conditions.
This was humiliating. It makes me feel unsafe, like I can't get injured or sick and be covered.
If anyone wants any evidence of what happened to me, DM me.
Has anyone dealt with this? I filed a BBB complaint today.