Review Time
They will happily take your money but will move heaven and earth to avoid reimbursing you for even less than $20 worth of claims; truly trivial amounts of money.
They invested more paid manhours in avoiding paying out my claim than the claim was even worth and they'll do it to you too. If they'll fight you tooth and nail for $20 you can be certain they won't be there for you in a real medical emergency.
Here is my experience: They ask for a slew of documents related to my claim. Fair enough, I provide them.
But, oh no! The information -- doctor's letterhead, treatment plan (prescription medicine in this case), and diagnosis -- is not neatly separated but instead is all contained in a single document: the written doctor's prescription. They ask for the same information again. I send them a whole 1-page visual guide to help them read the simple document, pointing out with red boxes and arrows where the information they are looking for is to be found (all of this is in English, so no language barrier). They just re-send the same request for the same information. I send them a polite "As per my previous Email" reply after which they change tack to "oh you see your condition is chronic so it is not covered under the pre-existing conditions exclusion." You know, my condition that started ~3 months ago and has been thoroughly cured by the $20 medical intervention I am filing a claim for. I explain how this neither meets the definition for chronic nor pre-existing. But nope. Claim denied. At least they'll allow me to appeal the decision. But I will be looking for an insurance I can rely on instead.
If you're a lawyer and/or enjoy tedious and aggravating arguments about meaningless minutiae and process while you're sick and miserable, this might be insurance for you. Everyone else should look for another company.
It may not be a scam, but they'll do their best to make you feel like it is.
The worst experience of my life. I've been waiting on a stretcher at the hospital for 10 hours. I'm waiting for a response from SafetyWing, and they're not replying even though the hospital sent all the documents by email. It's a scam; they don't even take care of their customers for medical emergencies.
I enrolled in one of the company's plans in September 2025, explicitly stating my preference to avoid marketing emails due to my dislike for spam. However, I still received a marketing email in November 2025. After contacting the company, I was assured this would not occur again. Yet, I received another email in December. The company clearly needs to reassess its policies in several areas. Sending marketing emails to customers who have opted out is unacceptable. After responding to the second unsolicited email, I was met with eight follow-up emails from the company without a real solution. Being asked to share screenshots of the emails I received made me feel quite foolish. Can't they see my previous response? Can't they just scroll down? Now, I am genuinely concerned about how a healthcare-related claim would be managed. My confidence in their handling of such matters is very low.
I filed three separate insurance claims, and each one was denied without any reimbursement, even though all were backed by medical documentation. In every instance, the symptoms, medical justification, and final assessments from healthcare professionals clearly indicated that I had a legitimate medical issue. Depending on the claim, either the symptoms or the official diagnosis clearly demonstrated that treatment was essential.
My experience with this provider has been quite frustrating. I had valid claims, yet they continually requested unreasonable documentation. Even after I submitted what they asked for, they still seemed unsatisfied. It wasn't even a large claim, just $400, but they were uncooperative. Later, when I attempted to file another claim, I discovered in their fine print that only a small fraction, less than 10%, of the amount I needed would be covered. I'm now actively seeking a different provider and cannot recommend this one.
The insurance process was uncomplicated and fairly priced, and I found the customer support to be commendable. I only needed to reach out once, but they were helpful and processed my reimbursement in a timely manner.
On November 13, 2025, I received confirmation from the service that my wife's maternity benefit was pre-approved. Initially, I felt hopeful this would simplify the claims process. I followed the provided instructions and submitted a claim on November 21, 2025. However, on November 28, 2025, I got an email stating, "After review, to process your claim from November 20 to 23, 2025 (2,500 USD), we need a bank transaction statement reflecting the charges to confirm the expenses. Please send the requested documents to proceed with your claim." I realized I hadn't attached all necessary documents, so I made sure to include the official receipt and transaction slip with all required details. According to our plan, we should receive $2500 (with a 20% co-pay), and our bill converted to USD was $2541.04. Thus, we should maximize the claim. On December 2, 2025, I received the SAME EMAIL again, asking for the bank transaction statement. It seemed like they hadn't reviewed my attachments at all. I then emailed the claims team directly, providing all necessary documents and proof of payment again, and even CC'd someone I believed handled escalations. Unfortunately, on December 3, 2025, I received the same email yet again, requesting the same information. At this point, I feel like they are deliberately stalling my claim. The pre-approval seemed to make no difference. It's clear that the reviewers are not doing their jobs properly. This service has a pattern of asking for documents that have already been submitted. Just look at their reviews on various platforms, and you'll see similar frustrations. They keep insisting, "This is required to confirm that the expenses took place," despite me already providing the official receipt. No hospital would issue a receipt if payment didn’t occur. The fact that we were discharged 10 days ago should suffice to verify the transaction, but they continue to express doubt.
I genuinely trust this service with my safety and health abroad, and that speaks volumes. I'll always remember how they arranged my evacuation from Bali on the final flight before the global lockdown and brought me home safely without charge! Their insurance had me covered. A definite 10/10; I can rely on them.
1. They do not assist you in finding a doctor or specialist; you must do that on your own.
2. I consider myself organized and provided them with all necessary documents: reports and invoices. There were just two bills to be reimbursed. They made every effort to avoid reimbursing me. CAD 440 + CAD 110, and then they requested an additional report from the specialist detailing my condition, which cost me another CAD 90. It was absurd. They seem to use every possible excuse to deny reimbursement. I had already encountered reviews about this insurance provider that echoed my experience. NEVER AGAIN, AND I WOULD NOT RECOMMEND THEM TO ANYONE.
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