Most travelers don't realize that "standard" insurance often voids if you are earning money while abroad. If you're a freelancer or remote worker, you need a "Digital Nomad" rider.
Ensure your policy explicitly states "remote work" or "digital nomad" coverage. In the UK, the GHIC card is useful but limited compared to private insurance.
Essential 2026 Checklist
- Tech Coverage: Ensure your laptop/camera is covered for "replacement value," not "depreciated value."
- Adventure Sports: Ensure "Scooter/Moped" use is covered—the #1 reason for denied claims in SE Asia.
- Search & Rescue: Essential for hikers in regions like the Azores or Georgia.
