There is a perception out there that digital nomads are vastly different from your every day tourist traveller. This is certainly true in many regards, such as needing to work and create an income, live in places for a longer period and be constantly connected with technology. However, there is one thing that remains constant regardless of what you want to call yourself: get travel insurance!
We have all heard of horror stories of people who have had a severe accident or health condition hit hard whilst travelling overseas. From the drunken injury, the street assault and theft to contraction some global influenza like the swine flu. These are all terrible, awful things to deal with in their own right. Yet what can make them worse is not having some sort of insurance to fall back on.
Imagine being involved is an accident, traumatic as it already is, and then having to pay for all the overseas and home medical bills. These really add up quick, as it’s commonly known health care is expensive at the best of times.
Items that hit the bill are overseas ambulance and hospital costs, possible flight back home, home hospital cost, recovery and physiotherapy costs, ongoing care and medicine costs. This is just the start of it. Compound that with months and years of ongoing treatment and before you know it you are in debt for life.
Scared yet? You should be. Insurance companies often use the element of fear to get customers to sign up to every policy they can stick under your nose. Despite that, travel insurance is just one of those things that is a must have.
To find the best travel insurance, you will likely need to find a company that offers a policy in your country of origin. The cheaper policies are ones that a generally online based and can therefore save money on overhead costs.
Always remember to read your policy carefully. Make sure you get your expensive technology (camera, iphone, laptop) covered in your policy. Also make sure you are aware of what type of accident your policy will cover you for. For example, some policies may not cover you for injury in an organised sports match you get injured in, or if you hurt yourself in a motorcycle accident and do not have your motorcycle license.
Prepared by Work Play Nomad
There is a perception out there that digital nomads are vastly different from your every day tourist...