DIGITAL NOMAD DIES – HOW TO RUIN YOUR FAMILY

- Author: Paul Arnesen / 23 sept 16 -

PIcture of a person sitting with a computer under a palm tree

DIGITAL NOMAD DIES - HOW TO RUIN YOUR FAMILY

- Author: Paul Arnesen / 23 sept 16 -

PIcture of a person sitting with a computer under a palm tree

DIGITAL NOMAD DIES - HOW TO RUIN YOUR FAMILY

Man on bike with gas bottle between the legs
Photo credit: garciasaldana.com

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Being a digital nomad is something we do because we enjoy being independent. We roam around the world alone, we manage our days, our work, accommodation, travels - yes everything - we feel a little bit invisible, and we enjoy it!

 

Fortunately I have never heard such a story as in the headline, and hopefully I never will. Of all the things we want to control, an accident is not it.

 

If the accident occurs we might not be able to sort it out by on our own, therefore a travel insurance is a must have. Reading this post on the r/digitalnomad page on Reddit made me realise that unfortunately, this is for many not a priority. So I ask the question, when something happens, without it, who will help you?

Surviving should be the least of your worries

Every day we put ourselves into risk. Just by walking out the door.

 

Read the story about Sean Kenzie, hospitalised in Thailand after falling off his motorbike, because his insurance did not cover riding on motorbikes, the family had to pay everything.

 

Sadly, the story is not unique. There are a number of people hospitalised in foreign countries not able to leave because of high cost due to lack of insurance or that the insurance they had didn’t cover their accident.

 

The cost of an air ambulance alone can be $200,000+ for international flights. If you are “lucky” and don’t die, but end up hospitalised, you should pray to someone that you can leave the hospital in a reasonable number of days and that you don’t need to (or really want to) go back home.

 

Unless you have an insurance.

 

If you are dead, you don’t care about the cost, but someone else might want you home. The sum to get you back can be too much for your friends and family to handle.

We all do it!

Personally I have several times rented a motorbike in third world countries and travelled around on highly trafficked, bad roads, with no helmet.

 

The freedom of driving along the coast in Goa to the beaches or to the many hidden spots on the Cook Islands is magical, and with almost no clothes and no helmet the fresh breeze makes it even more exciting. Until a truck crashes out in front of you..

 

It is just plain stupid putting yourself in that risk. However we do it. We risk it, and we do it all over again. We only live once and all that. But if you only live once, make an effort in protecting yourself and your family from financial ruin.

 

I always make sure my insurance cover my activities.

 

And this January I needed it, when a crazy dog bit without warning me in my calf during a late night stroll on one of the beaches in Koh Phangan, Thailand. No serious injury, but still, the cost for the treatment was around USD 1000.

 

My insurance covered it all.

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Quick end to the dream

That dream of living or continuing a location independent lifestyle as a digital nomad might be forever postponed. If you do survive, but badly injured, it won’t help with a cheap plane ticket found on Skyscanner.

Easy fix - get travel insurance!

On this site I have listed some insurance companies that have experience with expats, remote workers and digital nomads. If you don’t have insurance now, maybe today is a good day to sign up for one.

 

Personally I use WorldNomads and is pretty happy with their services.

 

Check here for yourself:

 

 

Would you risk it? Don’t be stupid, get travel insurance now!


 

Diginomsolutions.com is a site with curated resources for those looking for venturing into a location independent lifestyle and for those already living a digital nomad lifestyle. Some links on this site are affiliate links that makes this site possible to stay open and free for you.


 

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Become a Web Developer in 2016 with Coursera


 

I was bitten by a dog in Thailand! I wasn't insured..

Don't risk it, get insured now!


 




 


 

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