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Digital Nomads Travel Insurance

Learn how Canadians can get essential coverage for tech, health and unexpected incidents while being a digital nomad

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At a glance

  • World Nomads offers single trip and annual multi-trip travel insurance plans for Canadian residents who are travelling as digital nomads 
  • Gear and baggage protection helps cover lost, stolen or damaged baggage and personal gear (including personal cameras, smartphones and laptops -- up to maximum limits shown in your policy documents, and subject to depreciated value) 
  • Emergency medical coverage may assist with unexpected emergency medical expenses and emergency medical transportation if you're seriously hurt or sick while abroad 
  • If your trip is cancelled, delayed, or interrupted for a covered reason, you may be reimbursed for unused, prepaid, non-refundable, forfeited trip costs that could include tours, accommodation and transportation 
  • Some plans also include rental car protection and roadside assistance

Why should digital nomads consider travel insurance? 

The 9-5 grind of work isn’t so bad if you have your toes in the sand and a fruity drink by your side. How about a lunchtime surf lesson? Yes, please!

These days, you can work from just about anywhere in the world with a strong Wi-Fi connection. For good reason, an increasing number of people are becoming digital nomads. If you’re thinking about jumping on this trend, you may want to consider what happens if something unexpected occurs while you’re travelling. Our nomads have had broken legs, family emergencies back home that cut their trip short and stolen iPhones. Because of all of the what-ifs that can happen while you’re away from home, you may want to consider getting a quote for travel insurance for digital nomads.

What’s Covered for Digital Nomads  

Exclusions 

  • Routine healthcare and checkups 
  • Certain pre-existing conditions as outlined in the policy 
  • Accidents that happen while under the influence of drugs or alcohol 
  • Electronic malfunctions
  • Items for which you can’t prove ownership
  • Items related to your profession or occupation 
  • Unaccompanied baggage that goes missing
  • Situations outside of the limits, terms, and conditions of coverage stated in your policy documents

Maximum Coverage Limits for Digital Nomads 

Standard PlanExplorer PlanEpic PlanAnnual Plan

Emergency Medical Expenses: Up to $1,500,000 CAD 

Trip Cancellation: Up to $2,500 CAD 

Baggage and Personal Effects: Up to $1,000 CAD, per item limit of $500 CAD 



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Emergency Medical: Up to $5,000,000 CAD 

Trip Cancellation: Up to $10,000 CAD 

Baggage and Personal Effects: Up to $2,000 CAD, per item limit of $1,000 CAD 



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Emergency Medical: Up to $10,000,000 CAD 

Trip Cancellation: Up to $15,000 CAD 

Baggage and Personal Effects: Up to $5,000 CAD, per item limit of $1,500 CAD 



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Emergency Medical: Up to $5,000,000 CAD 

Trip Cancellation: Up to $10,000 CAD 

Baggage and Personal Effects: Up to $2,000 CAD, per item limit of $1,000 CAD 



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Compare all benefits and plans

Tips for Being a Digital Nomad  

It's never been easier to unplug and take off now that you can work remotely, and recent data shows there are more than 40 million digital nomads worldwide. If you’re planning to become a digital nomad yourself, here are a few of our personal tips that will help you work productively from anywhere in the world. 

  • Check to see if there’s reliable Wi-Fi where you’re travelling. It’s better to ask questions in advance before you’ve travelled to your destination rather than find out once you’re there.
  • Make sure there’s ample space for you to work productively. You’ll probably want to have a quiet space for those times that require more focus and concentration.
  • Never leave your belongings in an unlocked car – even if you think you’re travelling in a safe destination. If you do, your digital nomads travel insurance benefits may not cover your stolen items.
  • Make sure you have receipts for valuable items that you’re travelling with (such as personal computers, smartphones and cameras). If you need to make a claim, you’ll need original receipts or sales slips for all lost or stolen articles over $149.99 and proof that you owned the articles. 
  • Do your research and check out the Canadian government’s safety warningsfor your destination before travelling. You can see if there are any natural disasters that your destination is prone to, such as volcanoes, flooding, tsunamis, wildfires, and more. This is also where they list any current travel advisories. 
  • Register with Canadians Abroad to stay updated on emergency situations.
  • As soon as you start planning an international trip, check the expiration date of your passport. If your passport is expired, or if you apply for one and don’t receive it in time, you won’t be able to make a trip cancellation insurance claim if you aren’t able to travel to your destination. 
  • If you purchase a plan, keep a copy of it saved in your phone. It’s also helpful to save the phone number for the 24/7 Emergency Assistance team and have that easily accessible as well.
  • Make time for work and play. The whole point of being a digital nomad is to be able to experience a new place, so plan out some time to enjoy your destination. There are over 250 adventure sports and activities that may be included in World Nomads Travel Insurance plans for digital nomads, so get out and have a little fun.

FAQ

Here are our most frequently asked questions about cover for digital nomads. You can also find the answers to other questions in our Help Center or you can ask the customer service team.

  • Will travel insurance cover my laptop and smartphone if it is stolen?

    Our plans are designed to provide coverage for your stolen baggage and personal effects, including electronic devices such as personal computers and smartphones. While our plans may provide cover for your personal electronics that you own and take with you on your trip, we will not cover your professional gear that is owned by someone other than yourself or used for professional purposes. Our plans do not cover tech that is related to your occupation or profession. Also, in the event of a payable claim, note that depreciated value will be considered when calculating the value of your electronic items, and there are maximum per-item limits defined in your policy.  

  • Is emergency medical care covered when I’m working remotely in another country?

    World Nomads travel insurance for digital nomads includes emergency medical insurance coverage in the event you suffer a medical emergency while on your trip. Travel insurance won’t pay for everyday or preventative care, such as allergy medications or routine check-ups, but if you have an unexpected medical emergency while travelling, your travel insurance benefits may help with things such as hospital stays, prescription medications, and x-rays (subject to approval.) You also must maintain coverage through your home province’s Government Health Insurance Plan. Without it, emergency medical coverage limits max out at $40,000. 

  • What should I do if I have a medical emergency while travelling abroad?

    In the event of a life-threatening emergency, call the local emergency authorities first to receive immediate assistance. If you’ve purchased a World Nomads plan that includes digital nomads travel insurance benefits, contact the 24/7 Emergency Assistance Team as soon as you can or have someone call on your behalf. They’re available 24 hours a day, 7 days a week, 365 days a year. 

    You’ll want to have this information handy when you call:  

    • Your policy number 
    • A contact number where you can be reached 
    • The nature of your problem 
    • Your location 
  • What should I do if my passport is stolen?

    If your passport is stolen, or lost or accidentally damaged while you’re travelling, your travel insurance may reimburse you for the cost of replacement (up to maximum limits as shown in your policy documents).

    If you’re travelling outside of Canada, you’re going to need your passport to get back home, so you’ll want to reach out to the Government of Canada’s passport office as soon as possible. You can then start the process of getting an emergency passport. You’ll also need to contact the police and get a written police report to document the theft of your passport or other travel documents. Make sure you also contact us to let us know about the loss or theft.

This article is for general informational purposes only. It is not intended to provide medical, legal, insurance, or travel advice and provides only a general summary of certain features that may be available under applicable travel insurance policies. Coverage is subject to the specific terms, conditions, limitations, exclusions, and pre-existing condition provisions of the applicable insurance policy. In the event of any inconsistency between this article and the wording of any insurance policy, the policy wording shall govern and take precedence. It is important that you read and understand your policy before travelling. If you have questions about your coverage or are unsure how your policy applies to your circumstances, please contact us for clarification.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $5,000
  • Standard Plan: $2,500
Trip Protection
  • Unexpectedly hospitalized?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Explorer Plan: $10 million
  • Standard Plan: $5 million
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation & Repatriation

We’ll get you to hospital or home quickly.

  • Explorer Plan: $500,000
  • Standard Plan: $500,000
Emergency Evacuation & Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medevac home?

Help starts here.

Protect your gear

Covers the theft, damage or delay of your bags, tech and sports gear.

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Medical Expenses
  • Emergency Dental for Injury or Sickness
  • Bedside Companion Travel and Subsistence
  • Emergency Professional Services
  • Emergency Evacuation and Repatriation
  • Return of Travel Companion/Dependent Children
  • Return to Your Trip Destination
  • Return of Remains
  • Travel Accident
  • Flight Accident
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage and Personal Effects Theft or Damage
  • Baggage and Sporting Equipment Delay
  • Travel Documents Theft or Damage
  • Sporting Equipment Theft or Loss by a Common Carrier
  • Covered Adventure Sports listed in Policy
Assistance Services Included
  • LiveTravelTM Emergency Assistance
  • Worldwide Travel Assistance
  • Adventure Travel Hotline
  • 24/7 Security
  • Travel Medical Assistance
  • Bag Trak
This is a general summary for Canadian residents only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all provinces. Check the Travel Insurance Policy for full details.