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Best health or travel Insurance for Digital Nomads

Ok, I will confess,, this article is about one provider in particular, World Nomads. I will explain later why I have chosen his company, and what makes their product unique

The problems with insurance for long term travellers and nomads

OK, for Digital Nomads, there are a number of issues with many travel insurance providers....

POLICIES RARELY LAST BEYOND 18 MONTHS

If you are find that your trip is going to be less than 18 months then no worries. Simply buy from any travel insurance provider that will cover the length of your trip. World Nomads will cover you up to 18 months, but if you are starting from your home country, they will probably not be the cheapest. For instance, one year's cover with Worldnomads for me in Aisa would be around £380 GBP. I have used other providers, such as the ones listed on this travel insurance comparison site, and have paid half that.

YOU HAVE TO BUY THE POLICY WHILE YOU IN ARE IN YOUR HOME COUNTRY

If you have left your own country, you will be restricted to providers, such as World Nomads. They allow you to buy the policy wherever you are, and after you have started your trip. There is a cooling off period, so you can't log in and buy it after an accident.

IN SOME CASES YOU WILL HAVE TO LIVE SIX MONTHS IN YOUR RESIDENT COUNTRY BEFORE BUYING

This is a bit of travel insurance small print that is widely unknown. Even though I consider myself an expert in this area, I was unaware that some travel insurance providers insist on this. Not being aware could be a very costly mistake. Always check the small print!

Worldnomads - A Genuine Solution for Digital Nomads living overseas

So Worldnomads appear to be a solution for long term travellers and digital nomads, however, I would like to point out some of their small print, as of March 2016. Please be aware their small print can and will change, so always check their official small print before buying.

Pre Existing Medical Conditions - These will not be covered.

We do not cover any pre-existing medical conditions which affect you, the people travelling or other people upon whose health your trip depends. You are advised to read the definition of pre-existing medical conditions. You can still take out this travel insurance with a pre-existing medical condition, but we won't cover any claim made as a result of this condition.

If you need a pre-existing issue covered then you'll probably have to buy expensive worldwide health insurance. You can expect this to be way more expensive than travel insurance, provders include Insignia and Bupa Internation.

Work is covered, assuming it is not manual

As a digital nomad, you will be covered while you are working, as it's no manual work. Here is their definition of non manual work...

Any professional, clerical or administrative work , working as a classroom teacher, classroom assistant, au pair, nanny or child minder or retail, bar and hospitality work involving light duties only.

What about after 18 months?

With World Nomads you can extend your travel cover while overseas, up to 18 months. What happens after 18 months? Well the truth is that I have scoured their site and cannot find any information except that in most cases you should be able to extend the cover by 12 months, so in theory, you should be able to cover yourself for 30 months, that's two and a hlaf years.

What about after 30 months? Well I am not sure if World Nomads would cover you under their own policies. It might be better to go home, give your family a nice surprise visit, and buy some other travel insurance before heading off again!.

Here is so more information on World Nomads

  1. Trusted reliable underwriters
    WorldNomads.com is backed by a suite of strong, secure, specialist travel insurers who provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most.
  2. Value for money with the cover you need
    WorldNomads.com provides cover for what's important for travellers from over 150 countries. By focussing on what you need and leaving out what you don't, World Nomads prices are some of the most competitive online.
  3. Flexibility when you need it most
    Had a change of plans? You can extend your policy or claim online while you are still away. You can even buy a World Nomads policy if you're already travelling.
  4. Cover for a range of adventure activities
    From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, WorldNomads.com covers a range of adventure activities, giving you peace of mind to get the most from your travels.
  5. World Nomads keeps you travelling safely
    All WorldNomads.com members have access to up-to-date travel safety alerts, as well as travel safety advice and tips online through the World Nomads Travel Safety Hub.
  6. More than just great value travel insurance
    All WorldNomads.com members can learn the local lingo through a series of iPod & iPhone Language Guides and can stay in touch with family and friends with an online travel journal.
  7. Commitment to exceptional customer service
    We want to make sure you get the most from WorldNomads.com. You can find out more about why travel insurance is important for your trip. If you have any questions about your travel insurance or travel safety in general, please contact WorldNomads.com directly.

 

@footprintsntwk raised 25K for @careaustralia for financial education of women in Vietnam: https://t.co/cj9l3cezXf pic.twitter.com/3RlPLocajK

— Chris Noble (@WorldNomads) February 29, 2016

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