SafetyWing vs Allianz: Best Global Health Insurance for Long-Term Travelers in 2025
Overview
SafetyWing is designed specifically for digital nomads and long-term travelers. Founded in 2017, it offers flexible, subscription-based health plans that can be purchased even after you’ve left your home country. Their two core plans—Essential and Complete—cover different levels of care depending on your budget and needs.
Allianz is a well-established insurer (founded in 1890) that offers both travel insurance and international health insurance. Their wide array of plans and robust global provider network make them a top choice for travelers who prioritize comprehensive medical support and global stability.
Cost Comparison
| Plan | Estimated Cost |
|---|---|
| SafetyWing Essential | $56.28 per 4 weeks (ages 10–39) |
| SafetyWing Complete | ~$150/month (ages 18–39), 10% discount for annual payment |
| Allianz Travel Insurance | From $180 AUD for 14-day family coverage |
| Allianz International Health | Custom pricing based on location, history, and coverage level |
Coverage Comparison
SafetyWing Essential includes emergency medical coverage up to $250,000, dental up to $1,000, medical evacuation, trip interruption, and limited lost luggage support. It excludes pre-existing conditions and routine care.
SafetyWing Complete expands to $1.5 million annually, with added routine care, maternity, mental health, and global (including home country) coverage. It requires a 12-month minimum commitment.
Allianz Travel Insurance covers emergency medical events, trip cancellation, lost baggage, and short-term travel delays. Multi-trip plans have a limit of up to 45 days per trip.
Allianz International Health Insurance offers comprehensive inpatient and outpatient services, optional dental/maternity add-ons, and access to over 1.9 million providers globally. It also includes telehealth and expat support services.
Key Differences
- Flexibility: SafetyWing can be purchased while abroad; Allianz typically requires purchase before departure.
- Duration: SafetyWing suits indefinite travel; Allianz travel plans are time-limited, while its international health plans are more long-term.
- Pre-existing Conditions: Not covered by SafetyWing Essential; partially considered under Allianz with disclosures.
- Target Audience: SafetyWing suits digital nomads and young travelers. Allianz fits families, older expats, and business travelers.
- Customer Support: Both offer 24/7 global assistance, but Allianz has a larger direct provider network.
Which Insurance Is Best for You?
Choose SafetyWing if:
- You’re under 40 and budget-conscious
- You’re a digital nomad or frequent country-hopper
- You want to start coverage while already abroad
- You prefer a monthly subscription model
Choose Allianz if:
- You need comprehensive medical coverage with add-ons
- You’re an older traveler or retiree
- You have pre-existing conditions
- You need dental, maternity, or expat assistance
- You value access to a vast, global medical provider network
Conclusion
In 2025, both SafetyWing and Allianz remain strong choices for global health insurance. If you prioritize affordability and flexibility, especially as a younger traveler, SafetyWing is likely your best match. If you need comprehensive, premium coverage with global stability, Allianz may be worth the higher price point.
Evaluate your health needs, travel plans, and risk profile—then pick the plan that keeps you safe, supported, and focused on your journey.
