Digital Nomad & Freelancer Insurance is a mix of travel, medical, and work-related insurance designed for people who work online while living or traveling in different countries.

It typically covers:

• Medical emergencies abroad
• Travel issues
• Work equipment
• Freelancer liability
• Long-term international health needs

Main Types of Insurance

A. Travel Medical Insurance

For short-term or frequent movement between countries.

Covers:

• Emergency medical treatment
• Hospitalization
• Accidents
• Medical evacuation
• Repatriation

Does NOT cover:

• Routine checkups
• Chronic diseases
• Long-term conditions

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B. International Health Insurance

Full health coverage for long-term stays.

Covers:

• Doctor visits
• Surgeries
• Hospitalization
• Chronic conditions
• Mental health
• Prescriptions
• Optional dental/vision

Usually higher cost than travel insurance.

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C. Personal Liability Insurance

Protects you if you accidentally injure someone or damage property.

Examples:

• Damage to an Airbnb
• Damage in a coworking space
• Accidental injury to another person

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D. Travel Protection

Non-medical coverage.

Includes:

• Lost baggage
• Stolen passport
• Trip delays
• Trip cancellation
• Natural disaster disruption

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E. Freelancer / Remote Worker Insurance

Work-related protection.

1. Professional Liability (Errors & Omissions)
   Covers claims that your work caused a client financial loss.
2. Cyber Liability Insurance
   Covers data breaches, hacking, ransomware, or leaked client information.
3. Equipment Insurance
   Covers laptops, cameras, phones, and other work tools against theft, loss, or damage.

What It Usually Covers

Medical

• Accidents
• Sudden illness
• Emergency surgeries
• ICU
• Ambulance
• Hospital stay
• Medical evacuation

Travel

• Lost or delayed luggage
• Flight delay/cancellation
• Stolen documents
• Emergency evacuation due to disaster

Work

• Client disputes
• Data loss
• Work equipment damage or theft

What It Does Not Cover

• Pre-existing medical conditions (varies by provider)
• Routine healthcare
• High-risk sports (unless added)
• War/conflict zones
• Intentional damage
• Travel against government warnings
• Claims without proof (receipts, police reports, etc.)

Costs (General Range)

Type	Approx Monthly Cost
Travel Medical Insurance	$30–$100
International Health Insurance	$80–$400
Equipment Insurance	$10–$50
Professional Liability	$10–$40
Full Digital Nomad Package	$100–$350

Best Providers (Common Options)

• SafetyWing (Nomad Insurance)
• WorldNomads
• Cigna Global
• Allianz Global
• IMG Global
• AXA International
• Remote Health (SafetyWing)

Each provider offers different combinations of medical, travel, and work-related protections.

Required Information to Apply

• Passport
• Countries you will visit
• Duration of travel/stay
• Medical history (for full health insurance)
• Equipment list (for device coverage)

Who Needs This Insurance

• Digital nomads traveling country-to-country
• Freelancers living abroad
• Remote workers relocating temporarily
• Creators, YouTubers, photographers
• People carrying expensive work equipment

Key Benefits

• Protection from expensive hospital bills abroad
• Compliance with digital nomad visa requirements
• Financial protection for your work equipment
• Coverage for client or data-related problems
• Peace of mind while traveling and working internationally