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Digital nomad travel insurance
In this digital age, where connecting with people from across the globe has never been easier, it's becoming increasingly popular to combine work with travelling and seeing the world. Digital Nomads are professionals who work location-independent jobs for clients around the globe, using the money they earn to fund their travelling.
An essential part of every digital nomad's preparations should be a comprehensive travel insurance policy that covers for emergency medical expenses. Holiday Extras provide a range of excellent travel insurance policies that can meet the needs of any globe-trotting nomad:
What our policies provide
Emergency medical - this has you covered for any bills you might have to face should you need to receive unexpected emergency medical treatment. This would include the cost of hospital stays, consultations, prescribed medicine and other treatments.
Personal liability - This part of your policy has you covered should your accident cause damage to other persons or property.
Baggage cover - Most nomads travel light, so losing your one and only travel bag, can present some serious problems. Luckily, with this section of your cover should your baggage be delayed or lost in transit, you are protected against any financial loss, and are entitled to the replacement of your possessions should the airline fail to recover your bag. Check out our lost luggage page for more information.
Missed flight - As a globe-trotting digital nomad, it's likely that you'll be taking a fair few airplane rides. A missed flight can disrupt your other travel plans and arrangements, and securing compensation for the inconvenience isn't always easy. The missed flight section of your cover provides you with financial compensation for the missed flight, as well as any changes that might need to be made to advance travel arrangements as a result of the delay.
Lost passport cover - Losing your passport is a travellers worst nightmare and can be especially troublesome for a digital nomad, perpetually dependant on their passport for those regular border runs. Thankfully, this section of your policy covers you for the cost of replacing your passport up to £500.
24/7 emergency helpline - In the event of an emergency (such as lost passport) you'll be put through to TIF's emergency helpline, who will be able to advise any further action needed.
Another important thing to consider when taking out a travel insurance policy as a digital nomad, is the trip duration - in other words, the maximum number of days you can stay abroad while your cover is valid. This will vary depending on the policy and you'll need to give special attention to this detail before buying the policy:
Single trip policy:
This kind of policy provides cover for trips lasting up to a maximum of 365 days, and is perfect for nomad travellers who are planning to do some extended travelling without returning home. As the name suggests however, this kind of policy is only valid for a single trip, so if you decide to return home during this time, your cover will finish. Make sure you have the correct cover for the destinations you are travelling to, and have a planned itinerary for your journey.
This type of policy will cover you for an unlimited number of trips throughout the year. This has its benefits, in that you can return home any time you like during your travels without invalidating your cover. However, you are restricted to the maximum trip duration, which will vary depending on the type of annual policy you buy. Bronze level annual policies will cover you for trips up to 22 days, while silver and gold level annual policies will cover you for trips up to 31 days; our platinum policy will cover you for up to 45 days.
How to become a digital nomad
The path to becoming a digital nomad will vary depending on your existing skills and talents, but there are a few common steps that most digital nomads took to embracing this lifestyle.
Save some money - it's always wise to have a safety net before striking out into the unknown. Though you won't need to save a vast amount, it's always good to have enough at least to cover your flight to the destination, food and rent expenses for the first month, and enough money to get you back home, should the need arise.
Reduce loans and unnecessary expenses - the key to making this kind of lifestyle work is having as few financial ties and commitments as possible. Any outstanding car and apartment payments, gym memberships, credit card debts all need to be paid off or cancelled, to free up your income.
Get rid of excess stuff - Digital nomads, by nature and necessity travel light - so unless you have an extremely generous friend or relative who's willing to let you use their garage or spare room for storage, you're going to get rid of all that excess 'stuff'. Anything that you won't need on the road or for your work, consider selling or donating to the local charity shop.
Once you have simplified these aspects of your life, you'll be in an excellent position to make the move towards location independence and start marketing your skills online.
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- Our policies:
- Cheap Travel Insurance
- Single Trip Travel Insurance
- Annual Travel Insurance
- Cruise Travel Insurance
- Our cover levels:
- Bronze cover policy
- Silver cover policy
- Gold cover policy
- Platnium cover policy
- Additional cover:
- Gadget Travel Insurance
- Sports Travel Insurance
- Ski Insurance
- Water Sports Travel Insurance
- Wedding Travel Insurance
- What Happens If You Miss Your Flight?
- Winter Sports Travel Insurance
- Family travel:
- Children's Travel Insurance
- Family Travel Insurance
- Single Parent Travel Insurance
- Over 65's Travel Insurance
- Medical Insurance Homepage
- Allergies Travel Insurance
- Angina Travel Insurance
- Arthritis Travel Insurance
- Asthma Travel Insurance
- Brain Tumour Travel Insurance
- Breast Cancer Travel Insurance
- Broken Bones Travel Insurance
- Cancer Travel Insurance
- COPD Travel Insurance
- Crohn's Disease Travel Insurance
- Dementia Travel Insurance
- Depression Travel Insurance
- Diabetes Travel Insurance
- Disability Travel Insurance
- DVT Travel Insurance
- Epilepsy Travel Insurance
- Heart Condition Travel Insurance
- High Blood Pressure Travel Insurance
- Gall Stones Travel Insurance
- Lupus Travel Insurance
- MS Travel Insurance
- Prostate Cancer Travel Insurance
- Stroke Travel Insurance
- Children with Medical Conditions Travel Insurance
- Cruise Travel Insurance with Medical Conditions
- Senior Travel Insurance with Medical Conditions
- Travelling With Medication
- Travelling With Diabetes
- Adventure Travel Insurance
- Annual Cruise Travel Insurance
- Couple's Travel Insurance
- Extreme Sports Travel Insurance
- Gap Year Travel Insurance
- Group Travel Insurance
- Hiking Insurance
- Interrail Travel Insurance
- International Travel Insurance
- Long Term Travel Insurance
- Off-piste Ski Insurance
- Over 70's Travel Insurance
- Over 80's Travel Insurance
- Pregnancy Travel Insurance
- Sailing Travel Insurance
- Scuba-diving Travel Insurance
- Senior Travel Insurance
- Student Travel Insurance
- Travel Health Travel Insurance
- Under 16 Travel Insurance
- Under 18 Travel Insurance
- Volunteering Abroad Travel Insurance
- Weekend Travel Insurance
- Working Holiday Insurance
- Holiday Cancellation Insurance
- EHIC Information
- Car Hire Excess Cover
- Compare Travel Insurance
- Worldwide Travel Insurance
- European Travel Insurance
- France Travel insurance
- Halong Bay Vietnam
- Indonesia Travel Insurance
- New Orleans
- New York
- New Zealand
- South Africa
- Vietnam Travel Insurance
Holiday Extras Cover Ltd and Holiday Extras Ltd are authorised and regulated by the Financial Conduct Authority. Holiday Extras Cover Ltd 05058680 and Holiday Extras Ltd 01693250 are registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF.
Holiday Extras is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address: 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY. Company number 03220410.