EN Contact us
Member
Photo © Westend61/Getty
  1. World Nomads
  2. Au
  3. Travel Insurance
  4. Whats Covered
  5. Digital Nomads

Travel Insurance for Digital Nomads

Learn how your tech could be covered while you're working or traveling overseas.

    As featured in:

  • As featured in:

Working remotely as a digital nomad means the world is your office. That means after spending an hour on your laptop, you can go on an African safari or a trek in the Alps.

World Nomads offers flexible travel insurance plans designed to protect Australians working overseas. With coverage for unexpected situations like medical emergencies, trip cancellations, and stolen devices, you can focus on your work and keep exploring after hours.

Both our Standard Plan and Explorer Plan are designed to protect your tech gear when you’re on the road.

Double check the specific terms and conditions of your policy as there may be limits to what you can claim, depending on the premium that you have paid and what happens to your equipment while on the road.

Why travel insurance is important for digital nomads?

Working overseas under a digital nomad visa offers incredible freedom, but it also comes with risks. From lost luggage to unexpected health issues, travel insurance may offer cover when things don’t go to plan. Whether you’re a freelancer, remote worker, or running your own business from a beachside café, World Nomads travel insurance may offer key benefits like:

  • Medical emergencies: Access to medical evacuation and hospital coverage if you fall ill or get injured overseas.
  • Bags and valuables: We offer cover for your valuables and bags in case they are stolen, damaged or go missing while in transit.
  • Trip cancellation: If your plans change unexpectedly due to a family emergency or illness, cancellation cover can help recover some of your costs.
  • 24/7 emergency assistance: Access to worldwide support whenever and wherever you need it.

How are my electronics covered?

World Nomads may be able to replace, repair or recover the costs of your tech devices when stolen, lost or damaged under your supervision, in certain circumstances. Benefits are available only after exhausting other sources of compensation, such as from your common carrier (this can be a public airline, bus or train company licensed to carry passengers for a fee, excluding taxis and rental vehicle companies, and operating to regular public schedules/timetables).

Remember, depreciation and wear and tear on your gear are considered when we review your claim, and claims are subject to per item limit and a total maximum benefit amount, which can be found in your Product Disclosure Statement (PDS).

In the event that your equipment is delayed, lost and/or accidentally damaged by a common carrier, you must report the incident as soon as reasonably possible to a responsible officer for the carrier.

You must also get a Property Irregularity Report (PIR) or a similar official report and make a claim directly with the carrier as a first step.

Does my travel insurance cover my tech?

Watch the video to learn how our travel policy can provide cover for all of your tech gear during your travels.


What's not covered by travel insurance?

  • When you mindlessly leave your gear behind (like that time when you forgot your very expensive camera and lenses in a taxi on your way to the airport).
  • Whenever you leave items (including tablets, laptops, photographic or video equipment, mobile phones and other hand-held devices) unattended, including in a car, boat, tent or camper trailer or checked in with your common carrier.
  • Gear or equipment that you use for professional purposes.
  • Electronic malfunctions (you'll have to hit up the manufacturer).
  • When you fail to file a loss or theft report with the local authorities or the representative of the venue where it took place, such as a common carrier, tour operator or other travel provider.

Get a travel insurance quote from World Nomads today.

Countries offering digital nomad visas to Australians

  • Portugal
  • Estonia
  • Croatia
  • Mexico
  • Spain
  • Costa Rica
  • Germany
  • Iceland
  • Barbados
  • Czech Republic

For more information on digital nomad visas please refer to the visa guide website.

This is not a full list of what's covered and not covered. Other terms, conditions, limitations and exclusions may apply so please read your PDS carefully.

If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.

Tips for Digital Nomads

  • Before traveling, understand the requirements for digital nomad visas and ensure your World Nomads travel insurance policy aligns with the country’s health and travel regulations.
  • Find and scan your receipts before you leave.
  • If an airline loses your gadgets, notify them right away and get a record.
  • Theft? Report it to the police as soon as possible.
  • Password protect your devices and enable the lock screen if possible.

Bag snatched in Latvia.

It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
C.E. Australian in Latvia.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip from unexpected cancellation.

  • Explorer Plan: Unlimited
  • Standard Plan: $5,000
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Overseas

Take the pain out of medical costs.

  • Explorer Plan: Unlimited
  • Standard Plan: $5,000,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

We'll get you to hospital lickety-split

  • Explorer Plan: Unlimited
  • Standard Plan: $500,000
Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Cover your stolen or damaged gear and tech.

  • Explorer Plan: $10,000
  • Standard Plan: $2,000
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Overseas Medical Expenses
  • Emergency dental treatment
  • 24 hour assistance
  • Emergency medical transport & repatriation
  • Cancellation costs
  • Trip interruption costs
  • Compassionate emergency visit home
  • Resumption of trip
  • Theft or accidental damage to baggage and personal items
  • Baggage delay over 12 hours
  • Funeral expenses overseas or repatriation of remains
  • Personal liability
This is a general summary for Australian residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the policy documents for full details.

24/7 emergency assistance

If you need medical assistance or emergency medical evacuation our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Phone: +61 2 8263 0470 or Phone: +61 2 8292 1470 (reverse charges via an operator from anywhere in the world)

Contact the team

Get an instant travel insurance quote

Simple and flexible travel insurance designed by travelers, for travelers. See why over 3 million travelers have chosen World Nomads for more than 20 years.

FAQ

Here are our most frequently asked questions about digital nomads travel insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • What are the requirements to get a digital nomad visa?
    Each country has specific requirements, but generally, digital nomad visas require proof of income, travel insurance, and accommodation plans. Some may also require a valid employment contract or proof of self-employment. Be sure to check each country’s specific requirements before applying.