Travel Insurance for Flexcations
Protect your flexcation by adding travel insurance to your remote work and study trips.
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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.
It's never been easier to unplug and take off, now that you can work and study remotely – assuming there's good Wi-Fi.
But travel glitches can arrive in all shapes and sizes, even with the most meticulous planning. Although it's great to hope for the best, it may be wiser to plan your moves with travel insurance*.
What is a flexcation?
Because of flexible work and school schedules, more travelers are opting to take 'flexcations', extended stays away from home that are mixture of leisure and work (digital nomads), or going to school remotely, either domestically or abroad.
Do I need travel insurance for flexcations?
If you’re planting yourself in a different place while working and playing, there are a few questions to ask yourself when you’re shopping around for a travel insurance plan. How long am I staying? What kind of medical coverage do I need? Am I taking along personal belongings that I can’t stand to lose? Is my entire family covered? How much am I spending on pre-paid deposits?
There's a lot to consider when buying travel insurance and specifically for the needs of flexcations. Here are a number of ways that travel insurance can help on a trip that combines business and pleasure.
What's covered for flexcations?
Whether you're seeking a quiet haven or an outdoor adventure, World Nomads has ways to support you:
- Our Single trip and annual travel insurance plans all include coverage for 250+ adventures and activities and include benefits like trip cancellation, trip interruption and trip delay coverage.
- Our Epic and Explorer plans offer the optional ‘cancel for any reason’ benefit, if you purchase during the time-sensitive period.
- Repair or replacement of personal-use electronics, including mobile phones, laptops, and tablets. If lost or stolen, be sure to file a police report and keep a copy for your claim.
- Emergency medical coverage for sudden sickness or injury.
- Long-term coverage up to 180 days for a single trip plan. With an Annual Plan, you’ll be covered for 12 months but with a maximum trip length of up to 45 days.
When you get a quote, you can compare the plans side-by-side and determine which one might be right for you.
What's not covered for flexcations?
Travel insurance isn't designed to cover everything. These are some things that don't fall under the scope of your plan:
- 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.
- Any electronics or other equipment that you use for professional purposes.
- A sudden loss of your job that has left you unemployed and unable to work remotely after all.
- Any items lost, stolen or damaged that were unsupervised or unattended.
- Certain items such as cash, credit cards and sports equipment damaged while in use.
- Any costs related to illegal activities or being under the influence of drugs or alcohol.
- 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).
Staying for an extended period of time or moving to a country as an expat? Consider whether you need a travel health insurance as opposed to a travel insurance plan. To read more about the differences, go to our page on travel health insurance.
To read more about ‘Digital Nomad’ travel insurance see our Travel for Digital Nomads article.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.
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
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
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
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
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
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
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
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
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
Before your trip, check the latest government advice for any travel alerts for your destination.