Travel Insurance for Digital Nomads
Learn how your tech could be covered while you're working or traveling overseas.
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In today’s tech-centric world, taking your gadgets on the road is just as common and essential as packing an extra pair of socks. Whether you’re plugging into your social network or working remotely in a hub, we can help you protect your laptop, smart phones and other devices.
Travel Insurance: How can my electronics be covered?
Our policies may offer cover for a wide range of gadgets: iPhones, smartphones, iPads, Kindles, tablets, cameras, lenses and laptops. But how we can cover your items (and how much) depends on your Country of Residence and the plan you have selected. With Standard and Explorer travel insurance plans to choose from, we may offer cover for:
- When your gear is stolen, under your supervision
- Tech devices destroyed by a fire or a natural disaster.
Note: depreciation and wear and tear will be taken into account when calculating the value of your electronic items.
Does World Nomads 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 leave your gear behind
- Electronic malfunctions (you can take that up with the manufacturer)
- Any damage incurred when you check your device into your luggage
- Devices older than the policy can cover
- Items that can't be proved 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 may apply. Please read your policy carefully.
Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
Get a quote 24/7
With World Nomads you can buy travel insurance before you go or when you're already traveling any time anywhere 24-hours a day. Fill out the quick quote form below and get an instant quote.
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.
Travel Insurance Benefits: how we can take care of you*
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are 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?
Contact the team
FAQ
Here are our most frequently asked questions about travel insurance for digital nomads. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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If I've not specified my items, why do they get depreciated?
Electronics age and get knocked about. Depreciation happens to match the claim with the item's current price, not cost price. Always read your policy wording to make sure you understand the wear and tear and depreciation terms and conditions, limitations and exclusions. If you are unsure get in touch with us.
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If my electronics are out of warranty, can I claim if there's a malfunction?
The policies exclude cover where there's an electronic malfunction.
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Why won't you cover electronics if they're checked-in with an airline?
Because electronics are fragile and checked-in luggage can easily be damaged.
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What if I don't have receipts for all of my items?
You'll need to show proof of ownership - enough evidence to 'tip the balance' if you're lodging a claim.
Before your trip, check the latest government advice for any travel alerts for your destination.