Photo © Lumina/IStock

Travel insurance for digital nomads

Cover your tech while you're working or travelling overseas.

    Trusted by:

  • Trusted by:

As a digital nomad, 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. Need to capture the Big Five on video?  Or maybe you need your phone handy to upload pics of the sunset between the slopes? Good news! 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.

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 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.

Do you want to learn more about the digital nomad lifestyle? Read this article – How to be a Digital Nomad: Pro Nomads tell all.

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 only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document 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.

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.

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.
C.E. Australian in Latvia.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip from unexpected cancellation.

  • Explorer Plan: Unlimited
  • Standard Plan: $5,000
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Overseas

Take the pain out of medical costs.

  • Explorer Plan: Unlimited
  • Standard Plan: $5,000,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

We'll get you to hospital in a flash

  • Explorer Plan: Unlimited
  • Standard Plan: $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: $10,000
  • Standard Plan: $2,000
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Overseas Medical Expenses
  • Emergency dental treatment
  • 24 hour assistance
  • Emergency medical transport & repatriation
  • Cancellation costs
  • Trip interruption costs
  • Compassionate emergency visit home
  • Resumption of trip
  • Theft or accidental damage to baggage and personal items
  • Baggage delay over 12 hours
  • Funeral expenses overseas or repatriation of remains
  • Personal liability
This is a general summary for New Zealand residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the policy documents for full details.

24/7 emergency assistance

If you need medical assistance or emergency medical evacuation our team is 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?

From New Zealand & Overseas:
+61 2 8263 0470 or
+61 2 8292 1470
(reverse charges via an operator from anywhere in the world)

Within Australia (Free call): 1800 611 210

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.


Here are our most frequently asked questions about digital nomads. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team