Travel insurance

We're often asked: "What is the best insurance for house sitters?"

It isn't an easy question to answer, as the term "insurance" covers a variety of options. Each type of insurance also covers a range of possibilities too... (just a few examples given below): 

  • travel insurance (cancelled flights, illness before your trip, family matters)
  • health insurance (illness and injury while abroad, medical bills)
  • cover for your personal effects (loss or theft)
  • liability cover (if you damage somebody else's property, or lose their dog
  • and much more....

On top of this, different countries have different challenges and costs. For example, it is widely accepted that medical costs for the USA can be significantly higher than in other countries, so premiums to cover travel in the States tend to be higher.

Of course, your age also plays a significant factor in the premiums you will be charged

Therefore, as every case is unique, it is almost impossible to make one recommendation for everyone. 

However, here are a couple of options which may be of interest, particularly for nomadic travellers who sometimes struggle to find suitable cover for their needs.

SafetyWing

Insurance for travellers and nomads

SafetyWing offer a couple of different options for nomadic travellers, or for those heading off on shorter trips too. Their travel and medical insurance, (#1 below) is probably the most relevant to house sitters in general. See the benefits of cover below the calculator, or click the link below for further info:

1) Travel & medical insurance

Cover for people from all over the world, while outside their home country.

A travel and medical incident insurance built specifically for digital nomads. It can be purchased while already abroad, covers home trip visits and operates like a monthly subscription.

See the calculator below for an idea of costs:

Travel

Coverage for travel delay, lost checked luggage, emergency response, natural disasters and personal liability.

An unforeseen event in your home country for which you to need to go home (trip interruption)
Up to $5,000

Unplanned overnight stay
Up to $100 per day for up to 2 days

Lost checked luggage
Up to $3,000 per active insurance period, $500 per item. Up to $6,000 lifetime max.

Accommodation in a different place if a natural disaster causes evacuation
Up to $100 a day for up to 5 days

Evacuation from local political unrest
Up to $10,000 lifetime max

Personal liability
Up to $25,000 lifetime max for third person injury or property, and up to $2,500 for related third person property.

If you die
Arrangement for your body (burial or repatriation of remains)

Up to $20,000 for transportation or up to $10,000 for local burial

Cash payout to your beneficiary (accidental death)
Up to $25,000. Your death has to be the sole and direct result of bodily injury caused by external, violent and visible means.

Medical

Coverage for if you are in an accident or fall sick and need medical assistance while outside your home country.

Max Limit
$250,000
$100,000 for WorldTrips policy holders over the age of 65

Deductible
$250

Medically necessary treatment of unexpected illness or injury (inpatient or outpatient)
Up to max policy limit

Ambulance and emergency transportation
Up to max policy limit, when covered illness or injury results in hospitalization

Emergency transportation to a better equipped hospital (medical evacuation)
Up to $100,000 lifetime max, or up to $25,000 in relation to a pre-existing illness or injury

Emergency dental treatment
Up to $1,000 in relation to acute onset of pain as long as you seek treatment within 24 hours of the pain starting

All other benefits
Up to the overall max limit

For full details click here. As with any insurance policy, always read the Terms and Conditions, and make sure the product is right for you.

2) Remote Health 

Global health insurance for remote workers and nomads.

A full fledged health insurance that covers your medical needs worldwide, including in your country of residence.

Remote Health insurance is a fully fledged health insurance for remote teams and entrepreneurs. It gives global companies a truly flexible solution that no other insurance company offers.

WorldNomads

Travel insurance: simple & flexible

You can buy, extend and claim online, even after you’ve left home.

Travel insurance from WorldNomads.com is available to people from over 140 countries. It’s designed for adventurous travellers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities.

7 things you should know about travel insurance from WorldNomads.com

  1. Trusted reliable underwriters
    WorldNomads.com is backed by a suite of strong, secure, specialist travel insurers who provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most.
  2. Value for money with the cover you need
    WorldNomads.com provides cover for what’s important for travellers from over 150 countries. By focusing on what you need and leaving out what you don’t, World Nomads prices are some of the most competitive online.
  3. Flexibility when you need it most
    Had a change of plans? You can extend your policy or claim online while you are still away. You can even buy a World Nomads policy if you’re already travelling.
  4. Cover for a range of adventure activities
    From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, WorldNomads.com covers a range of adventure activities, giving you peace of mind to get the most from your travels.
  5. World Nomads keeps you travelling safely
    All WorldNomads.com members have access to up-to-date travel safety alerts, as well as travel safety advice and tips online through the World Nomads Travel Safety Hub.
  6. More than just great value travel insurance
    All WorldNomads.com members can learn the local lingo through a series of iPod & iPhone Language Guides and can stay in touch with family and friends with an online travel journal.
  7. Commitment to exceptional customer service
    We want to make sure you get the most from WorldNomads.com. You can find out more about why travel insurance is important for your trip. If you have any questions about your travel insurance or travel safety in general, please contact WorldNomads.com directly.