Travel Insurance For Digital Nomads
Learn how your tech could be covered while you're working or traveling overseas.
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New Zealanders are taking advantage of digital nomad visas to explore new countries while working remotely. Whether you're headed to Bali, Portugal, or Mexico, it’s essential to consider the right travel insurance to keep you covered on your international adventure.
World Nomads offers flexible travel insurance plans designed to protect New Zealanders working overseas. With coverage for unexpected situations like medical emergencies, trip cancellations, and stolen devices, you can focus on your work and exploring.
Both our Standard Plan and Explorer Plan are designed to protect your tech gear when you’re on the road.
Always take some time out to 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?
- How are my electronics covered?
- Does my travel insurance cover my tech?
- What's not covered by travel insurance?
- Countries offering digital Nomad visas to New Zealanders
- FAQs for digital nomads
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 can 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 can offer key benefits like:
- Medical emergencies: Access to medical evacuation and hospital coverage if you fall ill or get injured.
- 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.
- And many more!
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 Policy Document.
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 New Zealanders
- Portugal – Digital Nomad Visa
- Estonia – Digital Nomad Visa
- Croatia – Digital Nomad Temporary Stay Visa
- Germany – Freelance "Freiberufler" Visa
- Mexico – Temporary Resident Visa
- Spain – Digital Nomad Visa (part of the Startup Act)
- Costa Rica – Rentista Visa
- Iceland – Long-Term Remote Work Visa
- Barbados – Welcome Stamp Program
- Czech Republic – Zivno Visa
- Georgia – Remotely from Georgia Program
- Malta – Nomad Residence Permit
- Greece – Digital Nomad Visa
- Dubai (UAE) – Virtual Working Program
- Mauritius – Premium Travel Visa
For more information on digital nomad visas please refer to the visa guide website.
All travel insurance plans are different, and cover will vary, depending on what’s happened, your Country of Residence, the plan you choose and any options or upgrades you buy. Your Policy Document will always have the full details of what you’re covered for.
If you have any further questions about what’s covered and not covered, just ask us.
Tips for digital nomads
- Before travelling, 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.
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 in a flash
- 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
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?
From New Zealand & Overseas:
+61 2 8263 0470 or
+61 2 8292 1470
(reverse charges via an operator from anywhere in the world)
Within Australia (Free call): 1800 611 210
FAQ
Here are our most frequently asked questions about digital nomads. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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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.
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Do I need travel insurance for a digital nomad visa?
Yes, most digital nomad visas require proof of travel insurance or health insurance that covers you for the entire duration of your stay in the foreign country.
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If I've not specified my items, why do they get depreciated?
Electronics age and get knocked about. Depreciation happens to match the claim with the item's current price, not cost price.
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If my electronics are out of warranty, can I claim if there's a malfunction?
The policies excludes cover where there's an electronic malfunction.
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Why won't you cover my electronics if they're checked-in with an airline?
Because electronics are fragile and checked-in luggage can easily be damaged.
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What if I don't have receipts for all of my items?
You'll need to show a proof of ownership - enough evidence to 'tip the balance' if you're lodging a claim.
Before your trip, check the latest government advice for any travel alerts for your destination.