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.

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.

Working remotely as a digital nomad means the world is your office. That means after spending an hour on your laptop, you can go on an African safari or a trek in the Alps.

World Nomads offers flexible travel insurance plans designed to protect Australians working overseas. With coverage for unexpected situations like medical emergencies, trip cancellations, and stolen devices, you can focus on your work and keep exploring after hours.

Both our Standard Plan and Explorer Plan are designed to protect your tech gear when you’re on the road.

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 Australians
• 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 may 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 may offer key benefits like:

• Medical emergencies: Access to medical evacuation and hospital coverage if you fall ill or get injured overseas.
• 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.

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 Product Disclosure Statement (PDS).

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 Australians

• Portugal
• Estonia
• Croatia
• Mexico
• Spain
• Costa Rica
• Germany
• Iceland
• Barbados
• Czech Republic

For more information on digital nomad visas please refer to the visa guide website.

This is not a full list of what's covered and not covered. Other terms, conditions, limitations and exclusions may apply so please read your PDS carefully.

If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.

Just you and the open road, the basics on your back, the world at your feet. Backpacking is a rite of passage for many nomads seeking maximum experience for minimum expense. Freedom and flexibility are key and we’re here to help with our policies created by travelers, for travelers just like you.

You might be setting out to find your crew or yourself, to connect with a destination or hit the dance floor. Whatever creature comforts you can do without, travel insurance should be considered.

• Why should I consider insurance when backpacking?
• What’s covered when backpacking?
• What’s not covered?
• Top tips for backpacking nomads

Our policies can help global backpackers

Depending on your Country of Residence and the plan you’ve chosen our policies offer flexible options for your backpacking adventures including:

• Flexible cover for long-term adventures: World Nomads policies may offer coverage for up to a year. And in some instances - depending on your Country of Residence and the plan you’ve chosen - you may also extend your policy or buy travel insurance while abroad for another 12 months . Please note that waiting periods or time excess may apply, even if you don’t have a return ticket.
• Backpacking means adventure! Our policies may cover more than 150 activities, sports and experiences so you can adventure with confidence.
• Want to work or give back? Our policies may offer cover for different types of work, working holidays and volunteering, including for digital nomads.

You can get a quote, make a claim, or extend your policy instantly online, even while traveling.

Choosing the right policy for you

World Nomads travel insurance may help if:

• You’re injured and need medical transport or evacuation home.
• You want cover for your bags and valuables in case they’re lost, stolen or damaged. Keep the paperwork and receipts for your gear.
• You need to cancel your trip, or your trip is unexpectedly delayed.
• You’ve already left home and need to buy travel insurance.
• You want cover for some Coronavirus-related events.
• You need cover for overseas medical expenses and hospitalization costs.
• You’re looking for cover for adventure sports, activities, and experiences.

Your coverage will vary according to your Country of Residence and whether you choose a Standard or an Explorer plan. Read your policy for details on cover, maximum benefit limits, exclusions and conditions of your coverage.

Why should I consider insurance when backpacking?

If your backpacking travels take you on the wrong kind of adventure – such as a sudden illness or injury, a natural disaster, stolen or lost belongings, or an emergency – travel insurance may be able to help you with expenses, so you’re not left with a huge bill.

What’s covered when backpacking?

Depending on the plan you choose and your Country of Residence, some of the key benefits on our policies include cover (up to policy limits) for:

Unexpected medical emergencies

Your health and safety are a priority when you’re backpacking around the world. That's why our plans offer cover for emergency medical expenses if you fall ill, get into an accident or get hurt on your travels. Please note that terms and conditions, benefit limits, and exclusions apply

Being avid backpackers ourselves, we know that your adventure may take you far from medical help, and if you need emergency evacuation our policies may also cover you.

24/7 emergency assistance

If something goes wrong in an unfamiliar place, it can be overwhelming. With World Nomads you’ll have access to our 24/7 Emergency Assistance Team. Whether you need help finding a doctor for Bali Belly, if you come off your bicycle touring the countryside or if your gear is stolen, our Emergency Assistance team can help with emergencies in most parts of the world where you may be traveling.

Adventure ‘till you drop!

Our policies are designed to allow for maximum adventure, whatever your budget. Depending on the plan you choose and your Country of Residence, you could be covered for more than 150 sports, activities and adventures including:

• Scooter and motorbike riding
• Bungee jumping
• Hiking
• Scuba diving
• Snowboarding
• Skydiving

It’s important to remember that not all activities, sports, and experiences are covered under every plan. You may have to upgrade the policy and sporting level to receive the cover you require for the activities you plan to do. Some activities may have special terms and some activities may not be covered at all. If you’re not sure whether your activity is covered, contact us.

Trip interruptions and delay

Don’t let an unexpected incident unravel your backpacking trip - our trip interruption coverage can help salvage pre-paid, non-refundable trip expenses that you’ve had to forfeit if a covered event has disrupts your plans.

Our policies may also cover you if you experience a delay by making sure you have the essentials to be comfortable such as meals, toiletries and even accommodation. Check your policy for any conditions you need to meet: your delay might need to be a certain number of hours or be caused by a covered reason.

Stolen or lost baggage

When everything you have with you is on your back, it can be confronting if your gear is stolen, or your travel carrier loses your only possessions. With our travel insurance policies, you may be able make a claim for a replacement or a reimbursement of your stolen items, up to a per item and total maximum limit. Terms and conditions apply so be sure to check the policy wording.

Note: Keep in mind that benefit limits, terms and conditions and exclusions apply depending on your Country of Residence, so be sure to read your policy wording carefully. If you have any questions about your cover, contact us.

What’s not covered

While there are several things we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:

• Any pre-existing medical conditions
• Any items lost, stolen or damaged that are unsupervised or unattended.
• If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
• Going against local authority warnings by entering closed or restricted areas or places or putting yourself in an unsafe or dangerous situation.
• If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
• Any remote search or rescue operations to remove you from a life-threatening situation (unless covered by natural catastrophe).

• Any adventure activities or sports that aren’t covered by our policies.
• 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.

Top tips for backpacking nomads

• Keep an eye on your gear and belongings. When everything you have is on your back you could be a target for thieves.
• The cheapest option isn’t always the best choice. Be savvy about things like safety in your activities, transport and accommodation options.
• Keep digital copies of your important documents like passport, visas and insurance certificates.

When you buy a World Nomads travel insurance policy, your coverage has been crafted by passionate travelers who have lugged backpacks, battled bedbugs and waited in line for the restroom too. For trip ideas and tips, check out our article on backpacking dos and dont's and heaps more.

This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

From Oxfam to The Salvation Army, the Brits have a proud history of helping out when they travel abroad.

If you want to give back when you travel, World Nomad’s travel insurance allows you to participate in a range of volunteer activities. From summer teaching programmes to clean water projects, volunteering can help strengthen communities, forge meaningful connections and change lives.

What coverage does travel insurance provide for volunteers?

What volunteer activities are covered by travel insurance?

In both our Standard and Explorer plans, we provide travel insurance cover for a range of non-manual volunteer activities, which may include:

• Retail work such as helping out in a co-op shop
• Teaching
• Clerical work
• Childcare
• Some volunteering in communities on projects.

For all volunteering work, you must have the right equipment and clothing, the proper training and be supervised appropriately. When you purchase travel insurance, be sure to add the activity to your quote so it’s included in your policy.  

We also offer an optional upgrade for manual activities such as:

• World Wide Opportunities on Organic Farms (WWOOF)
• Environmental and conservation work that involved farm hand style activities
• Manual work or work with power tools under two metres in height not involving the use of mechanical or industrial machinery.

What volunteer activities are excluded?

Some volunteer activities may not be covered as they’re just too risky for us to cover, for example volunteer firefighting,  or activities in places known to be unsafe or dangerous. This includes volunteer work that includes:

• Work performed over 2 meters in height
• Work performed offshore, underground or in caves
• Operating machinery
• Working with dangerous animals and / or big game.

If you’re not sure about coverage, contact us and we’ll help you.

This is only a summary of cover and does not include the full terms, conditions, limits and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn't covered.

If haven't yet chosen a volunteer program, you can find inspiration in our article about choosing ethical volunteer programs