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How to insure my belongings when traveling in SE Asia & South America?


by @adrienbetweets | 5yr  | 9 comments

I want an insurance that covers my belongings only.
I already have a international travel health insurance, hence I do not need some link or recommendation to do-it-all packages (i.e. insurance for health + rescue + belongings).

I came across this threads:

But they did not help me because:

  • I do not live in the UK, nor am I a UK citizen
  • My credit card does NOT cover my belongings, nor does any of the insurances I already have

Ideally, Iโ€™d like to find an insurance that can insure my belongings regardless of my nationality & residence. Any link to information of quality is welcome.

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@jascha | 4yr

Just wanted to bump this up. They broke into our villa in Bali a few days ago and took 2 Laptops and 1 DSLR of our roomies with them. (We thankfully had everything in the safe, if not they would have taken almost $10.000 worth of gear in total).

If I have to think about paying 200$ per year for an insurance or 4500$ to buy everything new when it happens, I would rather pay for the insurance.

Where can I get an insurrance for my valuables without residency?

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@adrienbetweets | 4yr

Hi Jascha, sorry to hear that story. These guys must be super desperate because the treatment they will get, when they get caught by the Indonesian police, will be extremely violent.

Anyhow, back to the topic, here is โ€œthe start of an answerโ€ on travel.stackexchange.com regarding belonging-only insurances.

I hope it helps :slight_smile:

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@spoolphiz | 5yr

I was in the same position of having health insurance and needing to insure only my stuff. Being an american citizen I decided to use state farm for laptop insurance and decided to not insure the remainder of my gear. Laptop insurance is offered as a plan called โ€œpersonal article protectionโ€ by state farm. It costs $20/month (which is a lot, in my opinion). The backpack and other gear was not eligible for this plan. I was told I would need to take out a renters insurance policy at $19/month in order to have the rest of the stuff covered.

Shopping around with other insurance carriers could be beneficial. If you find something cheaper please do post it here.

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@adrienbetweets | 5yr

You obviously have no idea what you are talking about.

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@nomadtax | 5yr

Thereโ€™s a lot of insurance companies out there selling travel insurance. Travel insurance usually covers your belongings, flight delays, cancellation costs etc. Travel insurance doesnโ€™t cover medical conditions, medical/health insurance does.

Simply google travel insurance + your country of residency.

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@adrienbetweets | 5yr

I mean no disrespect but you could have replied โ€œI donโ€™t knowโ€, it would be have been as useful.
You provide no fact, not even โ€œthe startโ€ of a proof of what you say.


DISCLAIMER: RANT
Itโ€™s funny how hard it seems to be for people to admit that fact: we simply do not know many things.
And instead of not saying anything (or admit we just do not know) we first say โ€œitโ€™s impossible!โ€.
I have experienced this so many times on forumsโ€ฆ this is getting tiring & annoying.
I hope many forum users will read this & try to think twice (or 3 times) before writing the annoying โ€œitโ€™s impossibleโ€.

Think about the times when the first people asked around them how to become a location independent entrepreneur, what kind of annoying/disappointing answer did they get?

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@nomadtax | 5yr

What I said is absolutely valid: google โ€œtravel insurance + your country of residenceโ€. Youโ€™ll get a list of insurance firms in your country. Simply call them and ask for a quote, easy as that.

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@adrienbetweets | 5yr

Bump. Still looking for a solution to this. Any pointers welcome!

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@vpazionis | 5yr

Bump! Would love to know this as well!

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Read and participate in 13,946 discussions on Nomad List

Suggested topics

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Best place in South East Asia to live for 6+ months per year

 

in Indonesia by @miklaskroager | 3d 2 days ago | 1 comment

We're looking for a country in South East Asia that can function as our base, mainly for tax purposes. Meaning it will have to be a place where we can stay for the 183 days required without too much hassle.

We've been looking at Thailand, but have heard that it's very hard to do visa runs etc., so what other can you recommend? Indonesia looked like a good option, but the income rate is a flat 20% and very high for the region.

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How to get SMS verifications for banks while traveling?

 

by @jackgopack | 6d 5 days ago | 38 comments

Any suggestions for seamlessly receiving SMS Verifications from US financial institutions and other sites while traveling internationally continuously? Wonโ€™t keep my US Verizon account due to cost and currently plan to use local sims at each destination (T-Mobile and Project Fi are NOT an option as they terminate for continuous roaming). In summation, I wonโ€™t have a US mobile account.

Unless Iโ€™m missing something, which is very possible, this appears to be the single most complex issue Iโ€™ve encountered in my preparations, and one that no one addresses. I would greatly appreciate any possible solution that works 100% of the time. Canโ€™t afford surprises in this regard. Many Thanks! Jack.

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Introduce yourself โ€” who are you, where are you and what do you do?

 

by @coffeeshopceo | 6d 6 days ago | 670 comments

tl;dr: introduce yourself in this thread.

We must all get sick of the same backpacker travel questions when we meet new friends, I know I do.

You know the ones - where are you from, whereโ€™ve you been, where are you going, what do you do, how long have you been doing it - etc.

The novelty of answering these questions wears off after maybe a week, but theyโ€™re nonetheless insightful and no matter how much we hate them, we find ourselves asking others.

So letโ€™s bring the dreaded backpacker questionnaire to NomadForum and introduce ourselves shall we?

**

  • whatโ€™s your name?
  • where are you from?
  • how long have you been away from home?
  • what do you do?
  • where are you currently?
  • where are you going?
  • what has been memorable for you so far?
  • will you go home anytime soon?
  • what have you learnt during your time as a nomad?
  • [insert your own question here]

**

No need to answer them all if you donโ€™t want to :smile:
But the more you shareโ€ฆ The merrier!

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Anyone wants to learn to sail in the Mediterranean? (Sep or Oct)


by @viktor | 10d 9 days ago | 1 comment

I'm thinking about taking a sailing (yachting) course in the Mediterranean Sea this coming September or October. Thus far from my research, it seems that most courses are held in locations with not many digital nomads. My thinking is that it would be more fun to go to a place with like-minded people. Therefore, I'm wondering if anyone else is interested in taking a sailing course in the Mediterranean this fall? If not, do you know a location that offers good sailing courses, where there is also many digital nomads / nomad infrastructure?

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What are the best blogs by individuals who have started businesses in Southeast Asia?


in Thailand by @haiducii | 16d 15 days ago | 0 comments

Hey everyone,

Looking for blogs by individuals who document their progress/business in South East Asia - ideally Vietnam, Cambodia or Laos - but also Thailand/Myanmar too.

Thank you,

Haiducci

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Where should I set up my company as a remote worker?


by @beloruchka | 28d 28 days ago | 5 comments

Iโ€™m looking for any recommendations for services or people others have used to get answers on the best place to set up their businesses based on their personal circumstances.

Leaning towards Singapore after a ton of research, but would really like some concrete advice before jumping in.

Appreciate it!

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What's the best SIM card you can get for traveling to Spain?


in Spain by @gabygarreau | 28d 28 days ago | 3 comments

Hi! I want to relocate to Spain and I was wondering if someone can recommend a SIM card with a good data package.

Thanks

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What do you use to work together remotely?


by @artofwarbiz | 3mo 2 months ago | 6 comments

What do you use to work together remotely with your team?

I know Slack, Hipchat and Hall.

Which ones do you guys use and why?

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Any Ph.D students dissertating while a digital nomad?


by @larsheather | 3mo 3 months ago | 5 comments

Anyone know of any groups or resources for Ph.D. students working on dissertation while living as a digital nomad? I know there are several virtual writing groups around, but wondered if there were any specifically for digital nomads, particularly those who are dissertating.

Thanks!

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Are there nomad families here and how do you choose your next destination?


by @martinratinaud | 6mo 5 months ago | 4 comments

All members of my family has different needs and hobbies so how do you pick the perfect places?

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Looking for a warm place, possibly near the sea with excellent wifi


by @mariaplslourdes | 6mo 5 months ago | 12 comments

hello :wave: Iโ€™m planning my next trip (from January/February), and Iโ€™m looking for a place where itโ€™s hot, with the sea, and good wifi.
At the moment I live in Paris and work with San Francisco times, so preferably I wouldnโ€™t go to Asia.
Iโ€™m thinking, South Africa or South America, what do you recommend?
Thank you

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How to save filter settings on Nomad List?


by @krzemian | 6mo 6 months ago | 3 comments

Hey, is there currently a way to save filter settings? I feel like it would be helpful for planning the trip as I have several ideas on what to target and would like to cycle between them

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How do you avoid settling in one place?


by @sukienniko | 6mo 6 months ago | 10 comments

As a follow up to my previous question (I guess I donโ€™t have the right to post links here?), but on a larger scale: if living as a nomad in a place for, say, more than a month (which will be beneficial for the sake of getting work done), how to you prevent yourself from getting too involved in the local society?

I find that every time I stay somewhere for a significant amount of time, I naturally start to settle into the idea that Iโ€™ll be there permanently, or at least long term. I guess this is human nature: wanting to have a stable lifestyle, with stable friends, relationship, workplace, recreational activities, etc. But, indeed, that is not my goal-- I believe the benefits of the nomadic lifestyle are far greater at this stage in my lifeโ€ฆ

So, for those of you who have successfully avoided settling somewhere time despite staying for months at a time, what strategies do you use to stay afloat, as in, not getting too deeply integrated locally?

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Best place for Digital Nomad in Latin America?


by @rose_davis | 8mo 7 months ago | 7 comments

Hi!

I am planning to move to Latin America for 3-4 months (Oct-January). Iโ€™ve narrowed down 6 different places that I want to visit before committing to settling down, but Iโ€™d love to get some community input.

Here are the cities Iโ€™m considering:

  • Quito, Ecuador
  • Cuenca, Ecuador
  • Medellin, Columbia
  • Cartagena, Columbia
  • Antigua, Guatemala
  • San Marcos La Laguna, Guatemala

The most important things Iโ€™m looking for:

  • Fast/easily accessible internet
  • Easy to meet other nomads/make friends in general
  • Safe for women
  • Some sort of spiritual community (Iโ€™m also a yoga teacher)
  • Easily walkable city

Anyone have any experience with these places and can give some insight? Iโ€™m also completely open to other recommendations.

Thanks!
Rose

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App/tool/service for nomads to bring things from another country?


by @brmolin | 9mo 9 months ago | 4 comments

I vaguely remember hearing about such a service before, but Iโ€™m drawing a blank on the name. Basically I left my tablet on a connecting flight in Europe, right before my main flight to Thailand. They have my tablet and are willing to ship it out for me, but people have warned me thereโ€™s a big risk of it getting โ€œlost in the mailโ€ if I ship something expensive like that to Thailand.

Iโ€™m wondering if thereโ€™s a service or community, where I can find a nomad whoโ€™s in Europe/heading to Thailand soon, so I can have it shipped to them in Europe and pay them to ferry it down here for me? I met someone in Budapest a ways back who had built something for this type of use-case, but I canโ€™t remember the name of it. Any help would be appreciated!

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Where to move for tax purposes as a non-US citizen?


by @mender | 9mo 9 months ago | 5 comments

I am a New Zealander looking to travel for a couple of years in different countries. For this purpose I would ideally like to shift my company to a lower tax territory where I will live part time, as I am currently taxed at roughly 33% in New Zealand, however itโ€™s closer to 40% when I add in all the hidden taxes.

With a move I wonโ€™t be living in NZ so Iโ€™ll no longer be obliged to pay any tax after 320 days.

I ideally would wish to be a tax resident of the country I incorporate in. What country is easiest to do this through? A large chunk of my business relies on PayPal which requires your bank account to be from the same country your company is registered. Thus I canโ€™t do anything such as BVI or small islands.

Tbh my best bet looks to be Dubai Free Zones at this point and I can do some travel in europe from there.

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What is your ergonomic set-up while traveling?


by @caseyr | 10mo 10 months ago | 18 comments

What is your ergonomic set-up while traveling?

I personally have an external keyboard, and am currently exploring getting a laptop stand, some lumbar support, and a trackball-mouse.

What do you use? How are you balancing health / portability?

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What are wise ways to handle health insurance, as a USA person


by @azurio | 11mo 10 months ago | 1 comment

Hi! Iโ€™m still struggling to figure out how to handle health insurance.

What handy guides have you found to help figure out USA health care?

Iโ€™m struggling with:

  • When itโ€™s okay/wise to go without coverage while abroad, these days.
  • What other type of insurance I want while traveling, and whether it needs to be a supplement to USA insurance or if it can be a replacement.
  • Etc.

Above all, I think I want out. I wonder about success stories in moving to some other system/location, and the method youโ€™d recommend: additional citizenship, a special visa, etc.

I have searched this topic and struggled with it, so summaries and clarity are super helpful. I appreciate any and all help with this. Thanks so much!

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Best place to set up a company selling digital services?


by @pras_k | 11mo 11 months ago | 10 comments

Whatโ€™s the best place?
For residency Iโ€™m looking at Portugal and they have the NHR (non habitual resident) program which would exempt dividends from foreign income.
So all Iโ€™m really looking for is the best place to actually start the company.
Biggest factors are of course low taxes and ease of setting up the company plus a business bank account that enables me to receive payments through Stripe.

What I found so far:
Hong Kong
Corporate tax rate of 16.5% (8.25% for the first HK$2 million)
โŠ•/โŠ– offshore income from outside HK is exempt from taxation but itโ€™s not clear whether this can be done in the first year and prorated or if itโ€™s only through filing the offshore exemption claim. This might take two years and requires not income from HK at all. More info on that would be great
โŠ– seems very difficult to get a business bank account
โŠ– necessary services and fees are roughly around โ‚ฌ2000 / year
โŠ– accounting requirements seem to be very strict
โŠ• Doesnโ€™t require local partner
โŠ• Agencies available that seem to handle most of the work

Singapore
Corporate tax rate of 17% (0% on the first S$100k, 8.5% up to S$300k)
โŠ– requires a local director. What are the implications of this?

Malta
Corporate tax rate of 35%
There is the โ€œfull imputation systemโ€ but I donโ€™t really understand it.
"In most cases, the tax refund to the shareholder is 6/7 of the tax paid by the company on profits distributed as dividends. The tax refund rate may be different in the following cases: " This would result in an effective corporate tax of around 5%.
โŠ– European customers would have to pay VAT and Iโ€™d have to deal with that

Cyprus
Corporate tax rate of 12.5% and there seem to be ways to lower this
โŠ– European customers would have to pay VAT and Iโ€™d have to deal with that
โŠ– requires staying in Cyprus for 2 months / year

I find it surprising how much research this requires and how much โ€œit dependsโ€ information is out there when Iโ€™d assume that there are probably thousands of digital nomads who probably have very similar requirements.

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Do you "out" yourself as a digital nomad?


by @larsheather | 11mo 11 months ago | 2 comments

When you meet new people or reconnect with old friends, do you โ€œoutโ€ yourself as a digital nomad? The simple question โ€œwhere do you live?โ€ makes us uncertain now. We wonder if some places may be less welcoming to digital nomads, or if โ€œdigital nomadโ€ has a negative connotation in some places. If you are forthcoming from the start, does your status as a digital nomad make it hard to form friendships?

We would love to hear how other people navigate thisโ€ฆ how to balance being authentic in relationships vs. withholding the context (and allowing people to assume youโ€™re on vacation, for example).

Thanks!

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