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Overseas Emergency Medical and Hospital Expenses Benefit for unexpected illness or injury whilst travelling.
Digital nomad travel insurance is designed for people who lead a location-independent lifestyle, working and travelling remotely from various destinations around the world. While some travel insurance plans may have limitations on the duration of coverage or exclude certain activities commonly linked with digital nomadism, such as remote work or adventure sports, digital nomad travel insurance with Fast Cover can offer cover which can be customised to the unique needs of this demographic. Depending on the policy chosen, travel insurance for digital nomads can provide protection against unexpected events such as medical emergencies, trip disruptions, theft of your belongings, and personal liability claims, allowing digital nomads to focus on their work and leisure time.
Do you need Digital Nomad Travel Insurance?
As a digital nomad, your lifestyle is characterised by freedom, flexibility, and exploration. However, it also comes with its share of risks. From unexpected medical emergencies to lost or stolen belongings, unforeseen events can disrupt your journey and drain your finances. Digital nomad travel insurance can provide you with some protection against these risks whilst you’re on your adventure.
Depending on the type of policy that digital nomads choose for their work and travel, digital nomad travel insurance can address the unique needs of remote workers by helping to protect their valuable tech equipment. This can include cover for laptops, cameras, smartphones, and other digital devices if theft, accidental damage, or loss occurs during travel. As digital nomads often rely heavily on their tech gear to perform their jobs while on the road, having insurance coverage in place for these items is important for keeping productivity and enjoyment on their adventures.
Whether they're exploring new destinations while working remotely or pursuing opportunities in countries with digital nomad visas, such as those offering specialised programs for remote workers, having digital nomad insurance cover means that digital nomads can focus on their work and adventures, knowing that they have some protection in place for the financial implications if something does go wrong.
Digital nomads should make sure to consider the PDS as policy terms, conditions, exclusions and limits apply, including the requirement under the policy to take reasonable care to protect and secure your luggage and personal effects at all times, such as not leaving them behind in any mode of transport, or at a restaurant table while you go to the restroom.
What does Digital Nomad Travel Insurance include?
Fast Cover offers a range of policies that can suit the digital nomad lifestyle. Our policies come with automatically included benefits, including cover for a large list of sports and leisure activities, and they can also be customised to include a wide range of activities and add-ons which usually require payment of an additional premium.
Medical treatment overseas can be extremely expensive, especially in countries with high healthcare costs. Without international digital nomad travel insurance, digital nomads may face substantial out-of-pocket medical and other expenses relating to unexpected events whilst travelling that could lead to significant financial strain, especially if they're not able to work. That's why all our policies include:
Overseas Emergency Medical Evacuation and Repatriation for the necessary medical care and assistance to return home if it's medically required.
Overseas 24/7 Emergency Medical Assistance which provides access to 24/7 support and resources if you face a medical emergency overseas, including referral to medical facilities, coordination with local health care providers and payment guarantees to medical facilities if necessary.
Depending on the type of policy that you choose for your digital nomad travels, here are some of the benefits that can be included with your digital nomad travel insurance:
Luggage and Personal Effects Benefit
Protecting your essential gadgets, equipment, and personal items against theft, accidental damage or loss.
Trip cancellation
Just in case the unexpected happens and you’re not able to go on with your work and leisure trip as planned.
Trip disruption
Providing financial compensation if your trip is cut short due to unexpected medical emergencies or unforeseen circumstances which are covered under the benefit.
Personal liability
Cover is provided if, due to an accident you cause injury or death to someone or damage to someone else’s property.
Activities that you can add to your policy for an additional premium (some may be subject to age limits), include:
Adventure activities
If you can’t find the activity you want on our list of automatically covered sports and activities, check the activities we can cover with the Adventure Pack. If the activity is listed under the Adventure Pack, you can add the Adventure Pack to your policy to have cover for the activity.
Skiing and snowboarding
Snow sports activities overseas require the Snow Sports Plus policy, so select ‘Yes’ to snow sports when you put your quote together.
Cruising:
For domestic or international cruising, select ‘Yes’ to cruising when you put your quote together.
Rental Vehicle Insurance Excess
If you’re planning on driving yourself around, you can choose this benefit to have cover for the rental vehicle insurance excess portion of the rental vehicle insurance that you have with the car hire company.
Riding a motorcycle, moped or scooter
Whether you’re in control of the motorcycle, moped or scooter or just a passenger, you’ll need to take out the Motorcycle Pack for cover just in case you’re in an accident.
Read our PDS for a full list of the benefits, add-ons, eligibility criteria & policy terms, conditions, exclusions & limits that apply. Consider PDS & TMD on fastcover.com.au.
Who is eligible for digital nomad travel insurance?
Whether you're freelancing, working remotely, or running your own business while travelling, Fast Cover offers travel insurance for many types of digital nomads.
Travellers who can be eligible for digital nomad travel insurance include:
- Freelancers
- Remote Workers
- Entrepreneurs
- Small Business Owners
- Content Creators
- And more!
What is on your travel insurance checklist?
Before embarking on your digital nomad journey, consider having a travel insurance checklist for the things that you want to have cover for. Some important items you may wish to consider in your checklist include:
- Researching and selecting the right travel insurance provider that offers tailored coverage for digital nomads.
- Coverage for emergency medical expenses, evacuation and repatriation, lost or stolen belongings, and trip disruption.
- Checking eligibility requirements and policy limitations to ensure you can take out the insurance, and that you're adequately covered for your specific needs and circumstances.
- Reviewing and understanding the terms and conditions of your policy to avoid any surprises or misunderstandings during your travels.
Why choose Fast Cover Travel Insurance?
Every traveller and every trip are different. To find the right policy for you, first you should get a quote and then compare the policy options, as each policy offers different benefits. The best travel insurance is a policy that provides cover specifically for you and your trip.
Here's why you should consider Fast Cover for your travel insurance needs:
- Customised coverage: Our policies can meet the unique requirements of digital nomads, offering flexible cover options that may suit your lifestyle and budget.
- Existing medical Conditions: We may be able to provide cover for your pre-existing medical conditions through medical screening. An additional premium may apply.
- Extension: If your journey continues beyond your initial plans, extending your policy can be quick and hassle-free, giving you the freedom to keep exploring the world.
Read our PDS for eligibility criteria & policy terms, conditions, exclusions & limits that apply. Consider PDS & TMD on fastcover.com.au.
6 things you should consider doing to prepare for your trip
Before setting off on your digital nomad adventure, it's essential to make adequate preparations to ensure you have a smooth and enjoyable journey.
Here are some tips to help you prepare:
Passport and Visas
Make sure your passport is valid for at least six months beyond your planned return date and check visa requirements for each country you plan to visit. Apply for visas well in advance to avoid any last-minute complications, as travel insurance may not provide cover if you’re not able to enter a country because you don’t have a visa, or it's the wrong type.
Visit Your Doctor
Schedule a visit to your doctor for any necessary vaccinations and medications. Discuss any health concerns or existing medical conditions to make sure you’re fit to travel. If you don’t have your doctor’s ok to travel, you may not have cover under your travel insurance if you still choose to travel and experience health issues. At Fast Cover, we offer medical screening for many existing medical conditions. Get a quote online to assess whether we can offer cover for your existing medical conditions.
Organise Your Finances
Set up a budget for your trip, including expenses for accommodation, transportation, food, and activities. Consider opening a bank account in your destination country and familiarize yourself with currency exchange rates and banking fees.
Register Your Travel Plans
Register your travel plans with the Australian embassy or consulate in each destination. This will make it easier for authorities to contact you in case of emergencies and they may be able to provide you with relevant safety information and updates.
Understand the Importance of Digital Nomad Travel Insurance for Your Situation
Travel insurance comes in many shapes and forms and can provide cover for everything from medical emergencies to trip cancellations. As a digital nomad, having travel insurance can help to protect against unexpected expenses.
Useful blogs for your digital nomad journey
Fast Cover Can Help with Your Questions About Working Abroad, Traveling, and Insurance.
Embark on your digital nomad journey knowing that Fast Cover can have your back every step of the way. Get a quote today and explore the world safely, working remotely, and embracing the freedom of the digital nomad lifestyle.
Any advice provided is general advice only and has been prepared without taking into account your objectives, financial situation or needs. Eligibility criteria, policy terms, conditions, exclusions and limits apply, therefore, you should consider the PDS prior to deciding whether the product is right for you.
Things you need to know
^ Price as at 27/10/2024 compared to the price calculated today for this policy.
* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.