Why is travel insurance important for digital nomads?
Whether you’re working remotely from a beachside Airbnb in Thailand or collaborating in a local co-working space in Portugal, make sure you and your personal belongings are protected.
Travel insurance isn’t just for holidaymakers; it can help digital nomads who are carrying all their tech and gear to make work possible.
Our plans may offer cover, up to the policy limits, for the following benefits*:
- Medical emergencies: we offer cover for Overseas medical coverage and 24/7 emergency assistance.
- Gadget protection: you may be reimbursed for lost, stolen, or damaged laptops and phones.
- Trip disruptions: we offer coverage for trip cancellation, flight delay, missed connections, or accommodation issues.
- Adventure activities: cover for a range of activities and sports from hiking and cycling to scuba diving.
- And many more benefits.
*The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement. If you have any questions, contact us.
What to consider before living the digital nomad life?
Enjoying the digital nomad lifestyle requires thoughtful planning to balance work and travel. Consider the following:
- Digital nomad visa requirements: many countries including Estonia, Portugal, Norway and Thailand offer digital nomad visas. Always do your research to make sure your eligibility and allow plenty of time to plan your stay and organise visas. For more information on digital nomad visas refer to the visa guide website.
- Tax implications: Working remotely from a foreign country may have tax consequences in Australia and the host country. Seek professional tax advice to understand potential liabilities and obligations.
- Healthcare: Ensure you have comprehensive health insurance coverage that is valid in the host country. Some digital nomad visas require proof of such insurance as part of the application process.
- Local regulations: Familiarize yourself with local laws and regulations, including those related to remote work, business operations, and internet usage, to be compliant during your stay.
- Cultural adaptation: Embrace the local culture, learning basic language phrases, and understanding social norms can enhance your experience.
- Internet connectivity: reliable Wi-Fi is non-negotiable for remote work. Confirm internet speed and stability before committing to locations and accommodation.
- Medical emergencies: overseas medical expenses can add up if you get sick or injured. Ensure your travel insurance covers medical emergencies and hospital stays.
- Work equipment: your digital devices, including laptops, iPhones, and cameras, are your lifeline. Choose an nib plan that offers protection for stolen or damaged tech equipment.
- Money matters: create a plan to manage your money and have emergency funds available. It’s wise to have a contingency plan to return home. We offer coverage if you need to return home due to an emergency.
Protect yourself with travel insurance before you leave or while you’re already on the move. Get a quote online now.
How to travel safely as a digital nomad
Safety is important, especially when being on the move with expensive equipment. Follow these safety tips for a great experience:
Do’s:
✔ Get the correct visa for your destination.
✔ Use a VPN to protect sensitive data.
✔ Secure your belongings.
✔ Keep digital backups of essential documents.
✔ Register with Smartraveller.gov.au for updates and alerts.
Don’ts:
✖ Don’t rely solely on local healthcare—ensure you have travel insurance.
✖ Avoid sharing personal data on unsecured networks.
✖ Don’t depend only on credit card insurance, as it may not cover long trips or work-related activities.
FAQs for digital nomads
Our plans can provide coverage for personal items like laptops and cameras if they’re lost, stolen, or damaged. Learn more about how your luggage and belongings could be covered. Terms and conditions, limits and exclusions apply.
Nib’s Annual Multi-Trip plan is ideal for long-term stays, allowing multiple trips within a 12-month period. Maximum trip duration 45 days.
You may be able to extend your current policy, depending on your circumstances.
At nib, we believe you should know exactly what you’re getting when you buy travel insurance. That’s why we encourage you to check and understand the terms, conditions, limitations, and exclusions outlined in our Product Disclosure Statement (PDS) — because it’s always a good idea to read the fine print.