Travel Insurance for Digital Nomads
Learn how your tech could be covered while you're working or traveling overseas.
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Protecting your gadgets is an important part of travel, taking your gadgets on the road is just as common and essential as packing an extra pair of socks. That's why our travel insurance plans have been designed for digital nomads.
Double check the specific terms and conditions of your policy as there may be limits to what you can claim depending on the premium 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?
- Countries offering digital Nomad visas to travelers globally
- Does my travel insurance cover my tech?
- What's not covered by travel insurance?
- FAQs for digital nomads
Why travel insurance is important for digital nomads?
Travel insurance may not always be required, but when that illness, injury, baggage delay or trip interruption occurs, and you’re left out in the cold in a foreign country it could come in very handy. World Nomads may offer travel insurance for several events, some of these include:
- Hospitalization due to a severe injury or illness
- A flight is delayed or canceled.
- If your bags and valuables are delayed, stolen or damaged.
- When you urgently need 24-hour Emergency Assistance.
- If you’re planning to be active and doing outdoor adventures (we offer over 200+ activities, sports and experiences).
- If you need cover for a multi-destination trip.
- If you’re travelling with family and need cover for dependants.
- Cover for some Coronavirus-related events.
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 taken into account when we review your claim, and claims are subject to per item limit and total maximum benefit amount, which can be found in your policy wording.
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.
Get a travel insurance quote from World Nomads today.
Countries that offer digital Nomad visas to travelers globally
- Portugal – Digital Nomad Visa
- Estonia – Digital Nomad Visa
- Croatia – Digital Nomad Temporary Stay Visa
- Germany – Freelance "Freiberufler" Visa
- Spain – Digital Nomad Visa (part of the Startup Act)
- Mexico – Temporary Resident Visa
- Costa Rica – Rentista Visa
- Iceland – Long-Term Remote Work Visa
- Barbados – Welcome Stamp Program
- Dubai (UAE) – Virtual Working Program
- Malta – Nomad Residence Permit
- Georgia – Remotely from Georgia Program
- Greece – Digital Nomad Visa
- Mauritius – Premium Travel Visa
- Norway – Independent Contractor Visa
- Czech Republic – Zivno Visa
- Hungary – White Card Visa
- Romania – Digital Nomad Visa
- Bermuda – Work from Bermuda Certificate
- Anguilla – Work from Anguilla Program
For more information on digital nomad visas please refer to the visa guide website.
Does my 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.
This is not a full list of what's covered and not covered. Other terms, conditions and exclusions may apply so please read your policy 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
- 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 Protection
Protect your hard earned vacation from unexpected cancellation before you leave home.
- Explorer Plan: USD $10,000
- Standard Plan: USD $5,000
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Overseas Medical Insurance
Take the pain out of medical costs while traveling overseas.
- Explorer Plan: Unlimited, up to 12 months
- Standard Plan: USD $5,000,000
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
We'll get you to hospital quickly.
- Explorer Plan: USD $500,000
- Standard Plan: USD $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: USD $3,500
- Standard Plan: USD $2,500
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Overseas Medical & Dental Expenses
- 24 hour Emergency Assistance
- Emergency Medical Transport
- Repatriation & Travel Expenses
- Pre-Trip Cancellation
- Trip Interruption
- Resumption of Trip
- Travel Delay
- Missed connection (Explorer)
- Hijacking (Explorer)
- Baggage & Personal Items
- Passport & Travel Documents
- Personal Liability
- Rental vehicle insurance excess (Explorer)
- Personal accident (Explorer)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are 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:+353 21 237 8008 or +353 21 237 8003 (calls are not toll free. You can claim your itemised call costs)
FAQ
Here are our most frequently asked questions about protection for tech gear and digital nomad travel insurance. 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.