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How do you insure your laptop when you have already left your country of residence?


by @laurie 9yr  | 11 comments

Hello Digital Nomads!

Iโ€™m in a bit of a pickle: I am a Canadian resident currently living a bit everywhere in Europe. Iโ€™m starting a trip around the world in March while I keep doing freelance work. I know want to insure my laptop, but how can I do that? In the eyes of Canadian insurance companies, Iโ€™m already on my tripโ€ฆ Any help would be greatly appreciated!

Thanks!!!

Laurie
LaurieMillotte.com

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donโ€™t forget to backup (preferably online)
:smile: losing your data is worse than losing the laptop / phone / etc.

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Iโ€™ve found Iโ€™m covered, even overseas, by adding my laptop to my homeownersโ€™ insurance (Iโ€™m assuming rentersโ€™ insurance can add similar protections). Iโ€™ve dropped a latte on it, and it was covered, and travelled overseas (thankfully without issue) and it was covered. It comes out to around $80 per year.

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@geonomad 9yr

Do you have any insurance in Canada on a car or apartment?

You might find that it already covers your laptop, or that it could be added for a small fee, regardless of whether you are in Canada right now or not. Check with your agent.

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I did wonder about Home Contents Insurance (as we call it in the UK) but more often than not you couldnโ€™t get away with โ€œtheftโ€ whilst abroad because the terms stipulate it has to be a house robbery.

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@geonomad 9yr

Yes, it all comes down to the details in the policy.

In Canada, we can specify certain valuable items on the policy and they get extra coverage, including theft or loss when not at home. Iโ€™m pretty sure we could add an item with proof of purchase without taking it โ€œhomeโ€. It costs a few dollars a month for each item, depending on value.

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Hi Laurie,

If you want to insure your laptop, maybe it is a possibility to look for an โ€œvaluables insuranceโ€, this is an external insurance that has nothing to do with your travel insurance ( so no problems with the fact that your already away). I have such an insurance and it costs me a few bucks a month to have insurance till a certain point (moneywise).

Hope that this is possible for you, because this is a dutch insurance.

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@laurie 9yr

Thanks! Iโ€™ll definitely look into it!!!

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@laurie 9yr

Hi @JamesSchipper and @manu,

thanks for the speedy answers! Itโ€™s just that my MacBook Pro is only 2 months old you seeโ€ฆ so itโ€™s still a bit of money for me! (I checked my credit card would cover me in case of burglary so thatโ€™s something already).

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@manu 9yr

Thatโ€™s the worst case, I was NOT hoping for, as it clearly doesnโ€™t proof my point :frowning:

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@manu 9yr

Donโ€™t overthink it, @Laurie. Some credit card travel insurances will include valuables up to a certain limit. But as long as you donโ€™t travel with golden jewelry all this tech is not that expensive any more. Just calculate your average depreciation for it (including occasional theft and destruction) and build up accruals accordingly.

After you have a number you will see that insurance is a bad deal for you. Else the company wouldnโ€™t do it. In addition to the real risk they also need to cover administration and profits (which you donโ€™t have to).

In general I would never insure anything that wonโ€™t bankrupt me head-on. itโ€™s always cheaper to skip insurance and occasionally pay yourself.

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I donโ€™t know anything about Canadian insurance, but I simply donโ€™t. Itโ€™s a fairly minor expense if it needs to be replaced or repaired, however inconvenient.

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by @analogmario 5yr 5 years ago  | 0 comments

Hi, Iโ€™m new here.
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Has anybody traveled as a DN with a one way ticket and two laptops?

Iโ€™m going to Chile in a couple weeks and I only have a one way ticket and Iโ€™m going to Argentina after Chile. I donโ€™t know when so that is why I still have not bought my onward ticket to Argentina but I will go there before my Chilean visa expires. Iโ€™m also going to carry my work windows laptop and my personal mac with me.

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Is carrying around my laptop in a backpack every day safe in South America?


by @skarabox 7yr 7 years ago  | 9 comments

Hello everyone, I usually carry my laptop in my day backpack, walk around the town in my home country (Poland) and work in coffee shops / shopping centers, other quiet places I find or like.

My question is, how would carrying around my laptop on myself every day around the town work in practice in those places in terms of safety in South America.

I prefer to travel by a city communication than taxis and like to walk around too, but my concern is that I will get blatantly robbed with a gun or knife in a side street and lose my whole backpack with a laptop.

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International health insurance without having a permanent residence?

 

by @fabyliechti 7yr 7 years ago  | 30 comments

Hey Nomads!

Iโ€™m a Swiss Citizen but full time traveler (living a few month there and there) and therefore donโ€™t have a permanent residence/home anywhere in the world.

For this reason, Iโ€™m as well not registered in Switzerland and therefore donโ€™t have medical care since I would have to pay at least 200$ monthly for medical care which I wonโ€™t use since Iโ€™m not living there.

As a in Switzerland unregistered Swiss Citizen I donโ€™t have medical care in Switzerland but, however based on Swiss Law Iโ€™m always allowed to return to Switzerland, register and then get medical coverage (f.e. in a medical emergency).

So now I was looking for both, an international health insurance with good coverage and an additional travel insurance for my trips. Unfortunately every insurance I check, I got asked for a permanent residence - which I donโ€™t have and donโ€™t want to. So I donโ€™t know what to fill out and if I still can get insurance without having a permanent residence.

I was wondering if there are any nomads here with a similar situation like me and (not registered anywhere and without a permanent residence)? If so, what health insurance, travel insurance you have and where?

PS. As well Iโ€™m not sure if it is kind of illegal not having a permanent residence anywhere plus where do I have to pay taxes?

Would be extremely grateful for any help on those matters - thanks so much!

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Health Insurance with a preexisting condition: how do you insure yourself?


by @dpt 7yr 7 years ago  | 0 comments

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I want an insurance that covers my belongings only.
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I came across this threads:

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  • My credit card does NOT cover my belongings, nor does any of the insurances I already have

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How to insure as an Australian nomad?


in Australia by @yeoa 8yr 8 years ago  | 12 comments

Hey everyone! Thereโ€™s often loads of blogs and threads about nomads from Americans and Europeans but I havenโ€™t come across any for nomads from Asia-Pacific.

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Hello :smile:

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Hi all,

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  • HyperJuice - comes in sizes 60/100/150/222WH - requires a modification to your MacBook charger as they canโ€™t use the patented MagSafe2 adapter.
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by @dhamm 8yr 8 years ago  | 11 comments

Iโ€™m considering traveling to Panama, Colombia, Ecuador or Peru in the coming month and it is important for me to be able to work from a coffee shop at an outside table. Is it normal for DNs to be working with their laptops at coffeeshops in these countries, or am I just marking myself to be mugged on the way home?

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by @kathrynoh 8yr 8 years ago  | 4 comments

I was sure there was already a topic on this but I canโ€™t find it.

If you have to replace your laptop while travelling, how do you go about it?

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by @normaldude 8yr 8 years ago  | 10 comments

Hypothetical Scenario: Letโ€™s say Iโ€™m traveling, and Iโ€™m using a Windows 10 laptop to get some work done. Itโ€™s 12 midnight, and my laptop(s) and luggage are suddenly lost. Maybe I went to a restaurant/bar/club, and thieves ransacked my hotel room while I was away. Whatever the case, I still have my wallet & smartphone, and thatโ€™s about it.

At this point, I need a replacement Windows 10 laptop, that I can install programs on, and I need it ASAP, so I can meet a deadline. What are my options?

Is there some 24 hour laptop-replacement-on-demand service out there?

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Does anyone know of a laptop backpack that meets British Airways' new carry-on requirements?


by @ani_goes_tweet 8yr 8 years ago  | 12 comments

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Best place to buy a laptop in Asia?


by @kathrynoh 8yr 8 years ago  | 9 comments

My laptop is having issues and Iโ€™d rather replace it before it gets too bad. Iโ€™m currently in Chiang Mai, going to Phnom Phen next week then to KL and Seoul.

My impression is that Seoul would be the best place for buying a replacement but Iโ€™m not sure what Iโ€™m basing that one.

Where in Asia am I likely to get the best bang for my buck?

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Can I use my laptop to call into conference calls remotely?


by @dave4peace 9yr 9 years ago  | 11 comments

Hi Nomads,
First, I am very appreciative of this Forum, have read a lot of very helpful feedback to questions to previous folks questions.

Currently, landing in Hong Kong in about 2 months with no true Nomad experience other than working remotely, as a US Citizen, from home to a US Bank here in the States. My normal workday is remaining constantly in meetings using a Conference software called โ€œLyncโ€ on my work machine. Usually, i can have Lync call my cell phone with no problem in the US, of course.

Question:
Can I do the same Lync Conference, as above, while working abroad, substituting my cell phone with a personal laptop with microphone wherever I work? (presuming: 1) good internet, 2) Skype/GoogleVoice, installed on personal laptop). Basically, my work laptop would be calling Skype on my personal laptop, right? Can this work, cheaply, for 40+ hours of calls per week? Does Skype have country limitations? How does this work in combination with Google Voice, any cheaper? I read GV only works only for certain countries (HK, China, Thailand are okay). Any folks here know what a 40 hour week costs, on average, having this type of setup (Skype and/or GV, or other combo)? All new to meโ€ฆ will just have to try it, and, let you know, if no one has done it here.

Thanks for any suggestions with this!!!
Dave

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Developers! Thoughts on the new Pixel C laptop/tablet for travel?


by @dave_chakrabarti 9yr 9 years ago  | 9 comments

Itโ€™s that time of year again, where I see cool swanky new tablet / laptop hybrid things and start wondering if I could actually replace a Macbook Air for shorter / longer travel.

Anyone have any thoughts on Googleโ€™s new Pixel C? Anyone have experience writing code (or for that matter, writing long-form text, like a novel) with either Android or IOS as your main operating system? Would you leave the Macbook at home for a one week trip? A one month trip? Long-term?

  1. I know the softwareโ€™s not quite there yet. I anticipate major issues being the lack of web dev tools for mobile OSes (I write a ton of front-end code!), and flaky alternatives to Sublime. Iโ€™m interested in figuring out if itโ€™s โ€œgood enoughโ€. For example, howโ€™s Cloud9 on Android? Any workarounds I should know about?

  2. Anyone living tethered to Tmux / Vim on a Linode (or other VPS) full-time? Iโ€™m not drinking the Vim Koolaid (or well-aged single malt) yet, but might consider it if thereโ€™s a tangible reason for it.

  3. Is the hardware trade-off likely to hurt a lot? $500 - $600 buys quite a lot of laptop, running Intel 4th gen processors + the never-ending clunkiness of trying to make Ubuntu work on Windows hardware. Where should I expect to feel the pain on a Pixel C?

  4. Anyone figuring out a semi-reliable way to multi-task with multiple windows in Android? For example, how painful would it be to run two terminal sessions, a Cloud9 window, and a Rails tutorial window at the same time, switching between them constantly?

  5. Is there a compelling reason to consider an Ipad Air 2 over the Pixel C? Theyโ€™re in the same ballpark, and though Iโ€™ve stuck with Android as a phone OS, Iโ€™m very used to working within the Apple ecosystem for work stuff (downloading El Capitan as I type this).

Note: Iโ€™m fairly anti-Windows these days, especially as a dev environment (havenโ€™t used it since XP), so an older Surface isnโ€™t likely to be a good alternative unless the Ubuntu support is rock solid :smile:

Thanks! All feedback appreciated.

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