EN Contact us
Member
Photo © Lumina/IStock
  1. World Nomads
  2. Usa
  3. Travel Insurance
  4. Whats Covered
  5. Digital Nomads

Digital Nomads Travel Insurance Benefits

US Residents can get coverage for medical emergencies and unexpected incidents while on a trip

    As featured in:

  • As featured in:

At a glance

  • World Nomads offers plans that include travel insurance benefits for digital nomads
  • The baggage and personal effects benefit may help cover lost, stolen, or damaged baggage and personal gear (including personal cameras* and laptops)
  • Accident and Sickness Medical Expense coverage may help assist with medical costs and the Medical Evacuation Benefit provides coverage for transport to a suitable medical facility when adequate treatment is not available in the immediate area if your condition is acute, severe or life threatening
  • If your trip is cancelled, delayed, or interrupted for a covered reason, you may be reimbursed for unused, prepaid, nonrefundable costs that could include tours, accommodations, and transportation

Why should digital nomads consider travel insurance coverage?

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. 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’re thinking about jumping on this trend, you may want to consider what happens if something unexpected occurs while you’re traveling. Our nomads have had broken legs, family emergencies back home that cut their trip short, and stolen iPhones. Because of all of the what-ifs that can happen while you’re away from home, you may want to consider getting a quote for a single-trip or annual travel protection plan that includes travel insurance benefits for digital nomads.

What May Be Covered for Digital Nomads

Important to Know

  • Your trips must be at least 100 miles away from home
  • Routine healthcare is not covered
  • Equipment that is owned by someone other than yourself or used for professional purposes may not be covered

Trip Length Maximums

Standard PlanExplorer PlanEpic PlanAnnual Plan
180 days

Get a quote		 180 days

Get a quote		 180 days

Get a quote		 45 days per trip

Get a quote
Compare all benefits and plans

Tips for Making a Claim

  • If something happens, you can make a claim online, but you must notify us within 20 days of any losses and submit required documentation within 90 days after the date of loss.
  • Scan receipts and/or take photos of your belongings before you depart on your trip. If you need to make a claim for lost, stolen or damaged bags or gear, you’ll need proof that you own the items you are claiming for.
  • Remember that travel insurance is considered secondary, or excess. This means that in most cases, you must first try to seek compensation from other sources, such as your airline if they’re responsible for losing your bag.
  • If you experience a travel delay or cancellation by your airline, you must first try to get the issue resolved with them directly. You must get the reason for the cancellation or delay in writing, and seek compensation from them first.
  • If your baggage is stolen, make sure you file a police report. You’ll need that if you make a claim for your travel insurance benefits.
  • Gather any other documentation that may be related to your claim (i.e. new flight itinerary, doctor’s notes etc.). You’ll need to submit the documentation, including proof of loss as soon as possible or within 90 days after the date of the loss.

Our Recommended Tips for Being a Digital Nomad

It's never been easier to unplug and take off now that you can work remotely, and recent data** indicates there are more than 40 million digital nomads across the world. Interestingly, almost half of those are residents of the United States (U.S.). If you’re planning to become a digital nomad yourself, here are a few of our personal tips that will help you work productively from anywhere in the world.

  • Check to see if there’s reliable Wi-Fi where you’re traveling. It’s better to ask questions in advance before you’ve traveled to your destination and then see that there’s a problem.
  • Take advantage of the pre-departure medical consultation included in your non-insurance services and see if there are any vaccinations or prescription medications, like altitude sickness pills, recommended for your destination.
  • Check with the U.S. Department of State to see if they have issued any travel advisories for your destination.
  • Enroll in the free Smart Traveler Enrollment Program (STEP) to stay updated on emergency situations while you’re abroad.
  • Have a copy of your plan documents for digital nomads saved in your phone. Save the phone number for the 24/7 Non-insurance Emergency Assistance team and have that easily accessible as well.
  • Make time for work and play. The whole point of being a digital nomad is to be able to experience a new place, so plan out some time to enjoy your destination. There are over 250 adventure sports and activities that may be included in World Nomads Travel Insurance plans, so get out and have a little fun.
  • For more tips on becoming a digital nomad, you may also want to check out the World Nomads Podcast: Saying Goodbye to the Office.

FAQ

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

  • Which plan might you want to consider if you are a digital nomad?

    World Nomads Travel Insurance has three single-trip plans, as well as an annual protection plan. The Annual Plan allows you to purchase travel protection once for the year and be covered on almost all the trips you take that are over 100 miles from your home - even those that are here in the US. The maximum trip length is 45 days. If you know you’ll be the type of digital nomad who is traveling a lot throughout the year, this may be one to look at closely when you’re doing your travel plan comparison. When you get a quote, you can compare the plans side-by-side and determine which plan has the best benefits for your needs.

  • Is medical care covered when I’m working remotely in another country?

    World Nomads plans include emergency accident & sickness medical expense insurance coverage in the event you suffer a medical emergency while on your trip. Travel insurance may not pay for everyday or preventative care or routine check-ups. If you have an unexpected medical emergency though, World Nomads Travel Insurance may help with things such as hospital stays, prescription medications, and x-rays (could be subject to approval, refer to your plan document for full details)

  • What should I do if I have a medical emergency while traveling abroad?

    In the event of a life-threatening emergency, call the local emergency authorities first to receive immediate assistance. If you’ve purchased a World Nomads plan that includes digital nomads travel insurance benefits, contact the 24/7 Non-insurance Emergency Assistance Team as soon as you can. They’re available 24 hours a day, 7 days a week, 365 days a year.

    You’ll want to have this information handy when you call:

    • Your policy number
    • A contact number where you can be reached
    • The nature of your problem
    • Your location

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: $125,000
  • 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
  • Pre-Departure Telehealth Services
  • Portable Health Records
  • Delayed or Lost Baggage Tracking and Delivery
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefits limits may vary depending on the plan chosen. Check the plan documents for full details.
20260117-5103352. *Items subject to special limitations see plan document for full details. **This website is not affiliated with United States Fire Insurance Company, World Nomads, or Trip Mate. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.