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Travel Insurance for Digital Nomads

Cover your tech while you're working or travelling overseas

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So you’re planning on a two-month flexcation (combining work and play) or maybe you’re dreaming of working remotely while you travel. While this sounds like a dream gig, life on the road can also be unpredictable. To be truly ‘travel ready’ you’ll need travel insurance to protect not only yourself, but your tech gear if something goes wrong.

Travel insurance: how are my electronics covered?

Our policies offer cover for a wide range of gadgets including:

Photographic equipment
Binoculars, telescopes
Computers and/or accessories (including laptops, games and gaming consoles)
PDA’s and tablet devices (including iPad’s and eBooks)
Video cameras
Audio visual equipment (including portable speakers and headphones)
DVD players
Mobile phones
Drones and satellite navigation devices.

But how we cover your items (and how much) depends on your plan. We cover:

When your gear is stolen when it’s under your supervision.
Tech devices destroyed by a fire or a natural disaster.

Note: depreciation and wear and tear will be considered when calculating the claim settlement value of your electronic items (depreciation will not be applied to items listed as 'specified items' and you have paid the additional premium).

Whether you’re plugging into your social network or working remotely from a hub, we can help you protect your valuables and devices. Our seven tips can help you travel safely and keep your gear secure.

Tip 1: keep your receipts: always keep receipts (hard or digital copies) of any gadgets bought before and during your travels in case you need to make a claim. You should also make copies of your travel documents, ID cards, credit cards, and other personal information that you’re taking with you on the trip.
Tip 2: get proof in writing for any lost or damaged gadgets: if a common carrier (e.g. airline, bus company or hotel) has lost, delayed or damaged your gear you must notify them right away and get a record of the incident to support your claim. Our 24/7 Emergency Assistance team may be able to help you communicate with the local authorities if you don’t speak the local language.
Tip 3: report theft to the police: if you’re bags or valuables are stolen, you need to report it ASAP to the local police as well as the common carrier, service provider or any other local authority. If you don’t it could affect your claim.
Tip 4: protect your devices: with cyberattacks and identity theft now commonplace make sure your devices are protected to secure sensitive work data, banking details and more. Your laptop should be encrypted with strong passwords, a lock screen, and with antivirus or anti-malware software. Avoid using public WIFI hotspots, and never leave sensitive information or devices in your rental car or an unattended hotel room. If you must leave anything behind, make sure it is locked up in a safe.
Tip 5: use a digital nomad visa: As the Covid-19 pandemic encouraged the remote working trend, many countries are offering digital nomad visas (a document or program that gives a traveller the legal right to work remotely while residing away from their country of residence). Countries offering digital nomad visas include - Costa Rica, Portugal, Estonia, and Malta, and the list is growing.
Tip 6: prepare for trip delays: As a digital nomad you may be travelling between places by air or road or both. Travel insurance can help if your flight is delayed by more than 12 hours. Also, if you’re renting a car we offer cover for the rental car insurance excess on our Explorer Plan if your rental car is damaged or stolen. Cover is also available for the replacement of the rental car keys if lost, stolen or damaged during the rental period.

Travel insurance tip: our travel insurance policy doesn’t replace the need for you to purchase rental vehicle insurance or damage waiver cover through the rental vehicle company covering physical damage and theft of the rental car and your liability to third parties for injury or property damage while the rental car is in your care or control.

Tip 7: follow local health and safety guidelines: always research COVID-19 health and safety guidelines for your intended destination(s) as it could save you time and money. Many countries have introduced strict rules for travellers (including quarantine, a negative COVID-19 test, and in some cases a digital COVID-19 passport to prove you’ve been vaccinated).

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.

Am I covered for Coronavirus while travelling?

As of 17 June 2021, World Nomads now offers British travellers cover for some Coronavirus-related events. Benefit limits, conditions and exclusions apply, and cover varies depending on the plan you choose.

What's not covered by travel insurance?

Some of the main exclusions include:

When you leave your gear unattended
Electronic malfunctions (you can take that up with the manufacturer)
Theft or damage incurred when your device is checked in with your luggage
Items that you can't prove that you own (for example, you don't have a record of their purchase)

This is not a full list of what's covered and not covered. Other terms, conditions and exclusions apply. Please read your Policy Wording 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

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.
Make a claim at home or on the road.

Reconnect with the world with our travel insurance cover for some Coronavirus-related events

Itching to travel again?

Explore the world with our plans that provide cover for some Coronavirus-related (including COVID-19 related) events, including emergency overseas medical, evacuation, cancellation cover and more. Find out what cover applies to your Country of Residence, and the key benefit limits depending on which plan you purchase. Happy and safe travels!

Overseas medical expenses and repatriation home

If a qualified medical practitioner diagnoses you with Coronavirus while you’re travelling, we may offer emergency medical benefits to help you get back on your feet, as well as emergency transport to the nearest or most appropriate medical facility or back home to the UK to recover.

Standard plan:
£5,000,000

Explorer plan:
£10,000,000

Repatriation of your remains

If the worst happens and you die from Coronavirus while overseas, we offer benefits to help your family with the costs of a funeral, or if available, bringing you back to your home country.

Standard plan:
£5,000

Explorer plan:
£5,000

Coronavirus Travel Costs section (cancellation and curtailment pre and on-trip)

Had to cancel your trip because you, a travel companion or a close relative in the UK have been diagnosed with Coronavirus? Our cover may help with your cancellation costs.