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Is WorldNomads enough or do I need additional insurance as a US citizen?


by @stefanlesser | 5yr  | 9 comments

Iโ€™m planning to leave the US in May, travel for at least a year, maybe longer, and it is unclear, if Iโ€™m going back to the US at all, except for brief visits.

Looking at WorldNomads I seem to be covered for pretty much anything bad that could happen. But what happens, if I have to be transported back to US? If I understand correctly, WorldNomads is out at that point and Iโ€™m left with whatever insurance I have there.

How do you deal with this?

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@yanokwa | 5yr

@lognaturel and I have health insurance through Premera Blue Cross based in the US and medical evacuation insurance through Global Rescue.

We like Premera because of their global treatment, but when abroad (Central America, South East Aisa, Africa) we pay for most things out of pocket because itโ€™s cheap and the hassle of dealing with US health insurance isnโ€™t worth it. We basically have that insurance for emergencies and when we are back in the states. Also, the Obamacare fine is still a little bit more than the premiums, so why not?

We like Global Rescue over some of the other medical evacuation services because you donโ€™t have to be hospitalized. They will come get you whenever you call and wherever you are but you should read the policy for yourself. They have doctors on call and have been super helpful when weโ€™ve called with medical issues.

Most of my electronics are covered by my (self-owned) companyโ€™s insurance and @lognaturelโ€™s electronics are not that expensive, so we have no coverage there (YOLO!). We think renters insurance is a probably good idea, but we donโ€™t have a place in the states to tie it to. And also, we have a good emergency savings fund if things go wrong here.

We occasionally rent cars and motorbikes. Our credit card covers the former, and for the latter, we buy insurance in country, but we donโ€™t count on it to do anything. Oh, and weโ€™ve never used flight/hotel/whatever insurance.

Weโ€™ve been traveling like this for about a year and a half. We havenโ€™t had any major reasons to use any of this insurance, but we do review our setup occasionally and think itโ€™s still pretty solid.

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@wanderingdev | 5yr

depending on how long youโ€™re out of the US you may not be required to pay the obamacare fine.

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@stefanlesser | 5yr

Are you using something like WorldNomads + DAN and thatโ€™s it, or anything else?
What other insurance combinations do DNs have here?
Are most DNs here generally expecting to be lifted back to your home country in a medical emergency and have health insurance there, just in case?

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@wanderingdev | 5yr

I donโ€™t have any insurance personally and the US is probably the last place Iโ€™d want to get sent back to, given the cost of healthcare there.

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@lightmotif | 5yr

I thought World Nomads had medical evac? Or at least the upper tier choice, maybe, which is what I had. Note that you are still covered by WN inside the US if youโ€™re 100 miles or more from your โ€œhome.โ€ I had WN for 2 years.

This year, because Iโ€™m spending more time in the US and have Blue Cross/ Blue Shield here, Iโ€™m thinking of skipping World Nomads when I leave. BC/ BS will cover internationally in an emergency, which is the main thing I want.

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@lightmotif | 5yr

Thanks for mentioning all those medical evac companies, btw - I should think about that if I go without World Nomads. But @LeeRosen - the insurance companies you mentioned for evac look fairly expensive if Iโ€™m reading their offers right? Might be worth it just to do World Nomads at that point. DAN looks like a great value as long as you feel OK about not returning to the U.S. and having them choose the hospital. Anyone have experience with DAN?

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@leerosen | 5yr

Yes @suuzin - good evacuation plans are expensive. Theyโ€™re expensive because they offer coverage and service which, arguably, justify the price. Itโ€™s critical that you examine the policies, study public info about the companies carefully and project yourself into the situations where you might have a claim.

Will the company managing your evacuation have you wait in the hospital for four days while they arrange transport, search for a visa equipped, nurse/escort from a low wage economy (meeting their budget requirements) and fly her in (economy)? Or will they have built a landing strip in the area for emergency evacuation (seriously) or pre-position a team nearby to assist if one of their insureds is injured (also a real-life example)?

Each of the vendors provides a different level of service and the high-end providers provide both basic and more deluxe service. None of this seems to matter when weโ€™re planning to leave home. It all becomes very real when our vehicle crashes and we break our collarbone.

The low-cost โ€œtravel insuranceโ€ policies look really good when we buy them. The question is - how do they look when weโ€™re trapped somewhere and would like to leave? There are no right answers. There are only choices based on a comprehensive evaluation of the options.

As an aside, DAN is not available to residents of all US states. Their coverage is not, for example, available to residents of Florida.

Good luck.

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@leerosen | 5yr

Your understanding of the need for health insurance (or sufficient assets) is correct. World Nomads wonโ€™t cover you once they transport you back to the US.

Oddly, Iโ€™m pretty interested in this topic and have thought about it quite a bit. Thanks for giving me a chance to write this stuff down and sort it out for myself -

Iโ€™ll tell you how we look at it and what weโ€™ve decided to do for ourselves. Hopefully, that will help you as you make your decisions.

Personally, I think you should only insure yourself for things you canโ€™t easily afford to deal with on your own. Thatโ€™s a starting point. Donโ€™t worry about insurance if the loss wouldnโ€™t impact you significantly, especially if the loss isnโ€™t very likely. Thereโ€™s no point wasting money on insurance if you donโ€™t need it. Think about what that means for you. Should you pay to cover your camera or laptop or should you just be prepared to buy a new one in the event of loss? That depends on your circumstances and varies by person.

My impression of World Nomads is that they offer limited coverage (read the policy carefully). I get the sense that many people see โ€œtravelโ€ insurance and make assumptions about what will be covered that may be more comprehensive than what is actually specified in the policy. World Nomads policy is drafted narrowly and only provides coverage in certain circumstances. Much of what they cover isnโ€™t, for many nomads, all that important/valuable, i.e. trip cancellation, interruption, delay, etc - this stuff doesnโ€™t matter to many nomads. Baggage delay coverage and baggage loss coverage isnโ€™t likely to happen if youโ€™re using a carry-on and isnโ€™t all that expensive a loss if all you have are t-shirts and shorts. But, WorldNomads is inexpensive, so if you think buying a lottery ticket makes sense then this makes even more sense and you might get โ€œluckyโ€ and have a flight delayed or lose your bag.

World Nomads is careful to eliminate pre-existing condition coverage. That ache youโ€™ve been ignoring which turns out to be something may be excluded if you โ€œexhibited symptoms which would have caused one to seek care or treatmentโ€ could be the reason youโ€™re denied coverage.

If, however, a โ€œsicknessโ€ arises during the course of your trip then World Nomads covers โ€œemergency treatmentโ€ of the sickness which means โ€œEmergency Treatment means necessary medical treatment, including services and supplies, which must be performed during the Covered Trip due to the serious and acute nature of the Sickness.โ€ Ongoing treatment, after the emergency is resolved, appears to be your responsibility. I suspect, with many types of โ€œsicknessโ€ the treatment will not take place until after the evacuation and, thus, wonโ€™t be the responsibility of the carrier.

World Nomads also covers a number of issues caused by an โ€œaccidental injuryโ€. An โ€œAccidental Injury means Bodily Injury caused by an accident (of external origin) being the direct and independent cause in the loss.โ€ Falling off a motorbike is an accident (and thatโ€™s a risk Iโ€™m avoiding by not riding on motorbikes). And, it appears, they wonโ€™t pay much for the damage to your teeth (limited dollar coverage) when you fly over the handlebar, nor will they pay at all if you were impaired by alcohol/drugs. You are absolutely correct that World Nomads will not cover your ongoing care once they drop you off after evacuation. Youโ€™re on your own (again, read the policy because coverage varies by US State).

Also, examine your policy limits carefully with respect to โ€œhospital advancementโ€. Your coverage may be minimal with their policy and youโ€™ll want to be prepared to pay a foreign private hospital, immediately, in advance of treatment. World Nomads wonโ€™t be sending a big payment to the hospital immediately and youโ€™ll need access to funds in order to get treatment in many countries.

World Nomads offers some value. But, thereโ€™s a reason itโ€™s inexpensive. They donโ€™t offer comprehensive coverage in all situations and they wonโ€™t solve all of your problems. Itโ€™s better than nothing, but it might not be all youโ€™d hoped for in the event of a major loss.

Hereโ€™s what weโ€™re doing instead (and itโ€™s not inexpensive because we want to cover these risks and are willing to pay for that benefit) -

Health Insurance - we have a Blue Cross Blue Shield policy that provides for treatment anywhere in the world. They will reimburse most of the cost whether weโ€™re in the US or in some other country. Healthcare can be really inexpensive in some countries, but it can be very expensive elsewhere. The US is not the only expensive country for treatment. The policy has no lifetime limit (many expat or non-US heath policies have lifetime limits and pre-existing condition limitations).

Evacuation Insurance - weโ€™re using MedJet now. Weโ€™re going to switch to Global Rescue or Ripcord shortly when our MedJet policy expires. There are issues with renewing MedJet if youโ€™re continuing to travel after your first year of coverage expires.

Property Loss/Liability - weโ€™re paying for renters insurance. We donโ€™t rent or own a home but our policy covers our personal possessions, damage to the place weโ€™re renting and liability. Weโ€™ve got minimal coverage for property loss because we donโ€™t own much property. Weโ€™ve got a few valuable items in storage and they are covered by a separate personal articles policy. What about liability for injury to others? Our renters insurance covers us for non-automobile liability up to a certain limit. If we harm someone we are covered for their claim against us for their loss.

Excess Liability - we have added liability to cover any injury we cause that exceeds the limits of our renters insurance and auto insurance so that weโ€™re covered in the event of causing a catastrophic loss. This policy is commonly referred to as an โ€œumbrella policyโ€.

Automobile (inside US) - we donโ€™t own a vehicle so we have a non-owners auto policy that covers us for property damage and liability up to the limit where our umbrella coverage kicks in. This policy covers us for property damage to others, damage to the vehicle weโ€™re driving and liability to others for claims beyond property damage. The auto coverage does not cover us outside of the US. It costs us about $24 a year. Our non-owners policy is through USAA (and many state, non-discrimination in auto-insurance laws, allow non-USAA members to buy from USAA). I have read that GEICO, Progressive, and Allied Insurance also offer non-owner policies.

Automobile Property Damage (outside US) - we have coverage from our credit card if weโ€™re renting the vehicle. Be careful to read the policy. Our policy limits us to 30 day rentals and there are limits on certain countries, types of vehicles and total damages.

Automobile Liability (outside US) - this is not covered by our auto coverage and thus we have a gap in coverage here. This is resolved by mandatory or included coverage for rental cars in some countries. If the coverage is not included automatically by the rental agency there is often a supplemental policy you can purchase. Interestingly, all US states require the rental car companies to provide the minimum level of liability coverage mandated by state law.

I hope that helps you figure it out. Buying coverage is a personal choice and requires thinking through and predicting the likelihood of a claim. Itโ€™s tricky and you canโ€™t be certain youโ€™re doing the right thing until after the fact. There are no perfect answers in these situations.

Good luck and enjoy your travels. Maybe weโ€™ll cross paths on the road.

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@wanderingdev | 5yr

Look at DAN for evac insurance, assuming you just mean for medical evac and just want to get to the best close hospital, not back to the USA. Itโ€™s like $50 a year.

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Read and participate in 14,009 discussions on Nomad List

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What's the best thing to do with your phone/ your phone number when travelling?


in Poland by @davda1546 | 6d 5 days ago | 6 comments

Hey, hope everyone is well!

We're leaving in a month to go travelling. Our first destination is still to be confirmed, but will likely be Poland or Slovakia. We will be moving around every month or two to different destinations.

The question we have is: what do people do with phones/ phone numbers when hopping from country to country? Ideally we'd just like one number for the whole trip (even better, the number we already have) wherever we go, rather than getting new SIMs with different numbers.

This is just so it's easier to keep in contact with family/ clients/ etc.

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Best place in Portugal near cool nomads, good surf, and a great cowork spot


in Portugal by @joelnicholson | 11d 10 days ago | 6 comments

Hi there, title says it all. Canadian nomad hoping to find the city/town in Portugal with great, consistent surfing, a solid coworking spot, and a fun group of young nomads. Please recommend!

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How to learn a language without taking a formal class?


by @zakamercury | 18d 17 days ago | 3 comments

How to learn a language without taking a formal class, while traveling in different countries?

What advice can you give me?

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Where do I get good legal advice/support to have a long-term stay?


in Lisbon, Portugal by @mzorrilla | 1mo 1 month ago | 1 comment

Hello, everyone!

My idea is to stay as low as 6 months and as long as a year (maybe, who knows) over Lisbon after doing some analysis from many cities in Europe.

I'm an Argentinian and Chilean (both nationalities) so... no Euro-pass for me (getting my Italian nationality could take 2 years easily). I'm also a remote worker and I have a really good income (I work for a Silicon Valley company) so I can show more than enough resources to stay in the country.

Everything I see online doesn't inspire me much confidence (most sites looks a bit scammy) and this is not a "vacation stay"... I want to be clear my head far away from Argentina right now. If someone has a good website, recommendations, etc I will super appreciate.

Thanks in advance!

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How do I set current location? I've looked everywhere for this option.


by @yousifyalda | 1mo 1 month ago | 5 comments

All I see is section to add trips, but I reside here. Home and all.

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What are some nice French beach towns?


in France by @amin | 1mo 1 month ago | 4 comments

I'm thinking to head over to France during the winter and I'm looking for recommendations on a good French town that has beach and is warm enough during the winter.

What are your favourites? Any recommendation is appreciated.

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What is the best online insurance for digital nomads ?


by @berberos | 2mo 1 month ago | 4 comments

Hi guys ! hope you are doing well.

I would love to get your feedback regarding the best insurance for digital nomads. i'm traveling around Asia since 1 year and for next 4 or 5 years. Would love to buy an insurance to cover especially :

- health

- laptop, phone ...

- Flights

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Driving from Italy to Croatia..how to handle passport?


in Croatia by @ld | 2mo 1 month ago | 3 comments

Hello, we are US citizens that have been able to stay in Italy past our standard visa stay due to covid. Now we must leave. We want to drive to Croatia as our โ€œout of EUโ€ stay. But Iโ€™m now wondering what considerations I need to take care of for my visa. I wonโ€™t go through an airport and get my passport stamped. But I assume I need to get my passport stamped as a way to prove Iโ€™m out of the EU.

Anyone else travel in and out of Schengen zone via car? Or know what I should do to properly handle the visa situation? I get unclear answers online. Hmm.

Appreciate your help!

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

 

by @coffeeshopceo | 2mo 1 month ago | 672 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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Best/quickest way from Italy to Croatia?


in Croatia by @ld | 2mo 1 month ago | 3 comments

Hello,

We are in Umbria until August 31. We've been here since March, but crisis-level visa extensions are over. After that we have to leave the EU. We would like to stay out of the USA (our home) due to it's covid crisis, at the same time we want to be responsible about travel. Ideally we would not travel at all, rather stay hidden in the countryside of Umbria forever until covid is more under control globally, but here we are!

So we must leave the Schengen zone. We should avoid USA. We should avoid long air travel.

We were thinking Croatia.

Do you recommend a route to Croatia? We are open to long train rides. Ideally not long ferry rides. Is there a ferry route under 4 hours? I read about it...I don't see it. If not, the other option is to make our way north and up over to Croatia via train.

I'd appreciate your thoughts and insights!

Thanks.

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


by @beloruchka | 2mo 2 months ago | 6 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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Anybody bring their car to Mexico instead of flying?


in Mexico by @digitaldiva | 2mo 2 months ago | 1 comment

Iโ€™m curious whether anyone drove to Mexico instead of flying and used their car down there. Iโ€™ve heard bad stories of people driving down there but not sure I believe them. How safe is it to drive through rural areas, and to park in cities? It would be cool to have the car to explore while there.

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Did you learn any Thai before staying in Chiang Mai?


in Chiang Mai, Thailand by @digitaldiva | 2mo 2 months ago | 0 comments

Iโ€™m curious to know how many people learned some Thai before going there. Learning languages is a hobby of mine but Iโ€™m very put off by how complex the writing system is, and if I decide not to learn it Iโ€™ll probably cross Chiang Mai off my bucket list. I prefer to be at least conversational in a language before I do an extended stay in a country. Iโ€™m curious how people who learned no Thai did getting by. And Iโ€™m curious, from people who did learn some, if itโ€™s any easier than it seems? Thanks!

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What age did you start out and went location independent?


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

Eager to find out what age most start out as a DN? (Me)โ€ฆ 27 and just started out in the last 6 months or so. Not presently 100% location independent, probably more like 90% as still required to visit the office from time to time

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How to get SMS verifications for banks while traveling?

 

by @jackgopack | 2mo 2 months ago | 39 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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How do you ensure that you have good WiFi for working whilst travelling e.g. in places like India?


in India by @davda1546 | 2mo 2 months ago | 4 comments

We are hoping to travel later this year and we will be working remotely - how do you ensure you get good WiFi in places such as in India where the signal isn't always great? Do you have any tips on where to go/ what equipment you have to get?

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Do you prefer co-living spaces or hostels or Airbnbs?


by @davda1546 | 2mo 2 months ago | 5 comments

We are hoping to become nomads soon and have booked an AirBnB in September in Goa for our first destination. We are considering what would be the best option for accommodation after that. We are trying to decide between co-living spaces, hostels, or Airbnbs.

What are your experiences of accommodation in terms of the following: reliable wifi, social aspect, pricing, cleanliness, cooking facilities?

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Can Americans with EU Passports Travel to EU during COVID-19?


in France by @fqlx | 2mo 2 months ago | 1 comment

I'm a dual citizen of America and France with my resident based in the America. Can I travel to the EU using my French passport?

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How do you find people to meet whilst travelling?


by @davda1546 | 2mo 2 months ago | 1 comment

We are going travelling but we won't know anyone out there, what's your best advice for meeting people and socialising abroad? We've thought about the obvious things like Meetup etc, is there anything else you can suggest from your experience?

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


in Indonesia by @miklaskroager | 2mo 2 months 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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