Travel Insurance for Digital Nomads
Essential coverage for your gadgets, health, and unexpected incidents for Americans while traveling with World Nomads.
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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
- Does World Nomads travel insurance cover my tech?
- Can I get medical coverage as part of my travel insurance plan for digital nomads?
- What's not covered by travel insurance for digital nomads?
The 9-5 grind of work isn’t so bad if you have your toes in the sand and a fruity drink by your side. How about a lunchtime surf lesson? Yes, please! These days, you can work from just about anywhere in the world with a strong WiFi connection. For good reason, an increasing amount of people are becoming digital nomads. If you are thinking about jumping on this trend, you may want to consider what happens if something unexpected pops up like a jellyfish sting or beach-side theft.
World Nomads’ travel insurance plans* are great for digital nomads and are designed to adapt to the choice and flexibility of your lifestyle on the road, beach, trail or mountain-side hut. Coverage is available for Americans on international trips or for domestic trips at least 100 miles away from home.
Does travel insurance for digital nomads cover my tech?
In today’s tech-centric world, taking your gadgets on the road is just as common and essential as packing an extra pair of socks. Whether you’re plugging into your social network or updating your blog in a hub, our plans may provide cover for your personal laptop, smart phones and other devices that you take with you on your trip. Our travel insurance plans are designed with digital nomads in mind.
Our plans are designed to provide cover for your baggage and personal effects, including electronic devices, personal computers, and cameras. Note though that our plans provide cover for your personal electronics that you own and take with you on your trip; we will not cover your professional gear that is owned by someone other than yourself or used for professional purposes.
The benefit limits available under our plans will depend on the plan you have selected. Our Single-Trip and Annual plans offer different per-item and total limits. The plans may offer coverage if:
- Your gear is stolen, provided you have taken all reasonable measures to protect and recover your property.
- Your electronics are lost or damaged by a common carrier (an airline, for example).
If your checked baggage is lost or delayed by an airline, our partnership with non-insurance service Blue Ribbon Bags can help with a prompt recovery. Blue Ribbon Bags tracks and expedites your lost luggage, allowing you to continue your travels smoothly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then provide Blue Ribbon Bags with the file reference, record locator number, and Property Irregularity Report.
Note: Depreciation and wear and tear will be considered when calculating the value of your electronic items.
Can I get medical coverage as part of my travel insurance plan for digital nomads?
Another important consideration for traveling for extended periods is medical coverage. What should you do if you get into an accident or get terribly sick?
First things first. You shouldn’t think of travel insurance as a replacement for a health care plan that you would purchase at home — or depend on the charity of another country to pick up your medical bills. Travel insurance won’t pay for everyday or preventative care, such as allergy medications, birth control pills, nutritional consultations or the CBD cream that could relieve the back pain that’s been nagging you for years. But a snake bite, bout with food poisoning or ski accident? You can count on World Nomads plans to come in handy during medical emergencies — and that includes evacuation when you need to get to a hospital urgently or back to the United States for care. Travel insurance is designed to cover losses from unforeseen and emergency circumstances only.
When you’re far from home, the last thing you want to do is to face a crisis alone. Don’t forget about the 24/7 Emergency Assistance team. You should contact us when you find yourself in an urgent situation. Besides offering hospital and physician referrals (we vet our providers very carefully), the team can provide other methods of support, such as notifying your family or even arranging food delivery to your hospital room.
What's not covered by travel insurance for digital nomads?
When it comes to baggage and personal belongings, the following exclusions apply:
- When you leave your personal belongings behind in an unsupervised place (this includes your car).
- 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.
- Items that you can’t prove you own (for example, you don’t have a record of their purchase).
For emergency medical treatment and evacuation, coverage is not provided for:
- Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period were medically able to travel at the time of purchase.
- A non-emergency treatment or surgery, such as routine physical examinations (it’s not regular health insurance; it’s for medical emergencies).
- Pregnancy and childbirth (except for complications of pregnancy).
Tips for digital nomads
- Find and scan your receipts before your leave.
- If an airline loses your gadgets, notify them right away and get a record.
- Theft? Report it to the police within 24 hours.
- If you’ve got a handset or tablet that can be blocked, block it.
- Make a claim within seven days; submit documentation within 90 days.
Bumpy Ride in India
On an overnight train from Mumbai to Jodhpur in India, I had the top sleeper berth. It was a very bumpy ride, and my tote bag tipped over while I was sleeping. I got woken up by the sound of my camera hitting the floor. When I picked it up, the display screen on the back of the camera was grey/black and hasn't worked since.
Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation.
- Standard Plan: $2,500
- Explorer Plan: $10,000
- Epic Plan: $15,000
- Annual Plan: $5,000
Trip Protection
- Work emergency?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Insurance
Take the pain out of medical or dental costs.
- Standard Plan: $125,500
- Explorer Plan: $150,000
- Epic Plan: $250,000
- Annual Plan: $100,000
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
We’ve got your back.
Emergency Evacuation
We'll provide assistance to get you to the hospital or home quickly.
- Standard Plan: $400,000
- Explorer Plan: $500,000
- Epic Plan: $700,000
- Annual Plan: $100,000
Emergency Evacuation
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Covers the loss, theft or damage of your bags, tech and gear.
- Standard Plan: $1,000
- Explorer Plan: $2,000
- Epic Plan: $3,000
- Annual Plan: $2,000
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
Help starts here.
The amounts listed represent the maximum benefit amount.
Protect your health
- 24/7 Emergency Assistance Help Line
- Emergency Medical & Dental Expenses
- Emergency Evacuations
- Bedside Companion Travel
- Emergency Medications
Protect Your Trip
- Trip Cancellation
- Optional Cancel for Any Reason (Explorer or Epic)
- Trip Delay & Trip Interruption
- Missed Connection (Explorer or Epic)
- Rental Car Damage (Explorer, Epic or Annual)
Protect Your Stuff
- Baggage Delay
- Passport and Visa Loss
- Lost or Stolen Bags
- Personal Tech, Equipment & Gear
- Baggage Return After Evacuation
Non-Insurance Services
- Medical & Non-Medical 24/7 Emergency Assistance Line
- Translators Available
- Runway Health
- FootprintID
- Blue Ribbon Bags
24/7 emergency assistance
Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Wherever you are, we’re here 24/7 to help you in any emergency.
Are you in need of emergency assistance right now?
Contact Generali Global Assistance:
Telephone:
+1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada
FAQ
Here are our most frequently asked questions about tech gear coverage for 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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If my electronics have an expired warranty, can I make a claim if they malfunction?
Our policies don’t include coverage for device malfunction or wear or tear.
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How do my items get depreciated?
Electronics age and get knocked about. Depreciation happens to match the claim to the item’s current price, not original retail price. If you have the receipts, your items will be reduced in value by 10% percent for each year from the purchase date.
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Why won’t you cover my tech devices 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 can file a claim but still need to show proof of ownership. Read our Help Center article for more info on what to do if you don’t have documentation.
Before your trip, check the latest government advice for any travel alerts for your destination.