Permanent Worldwide Health Insurance with no reimbursement policy

I'm preparing my Portuguese D7 long-term visa application and one of the required documents is proof of travel insurance with medical coverage. However, as an Australian citizen, if put that as my country of residence in many travel insurance companies' quick quote forms, I'm unable to get ANY insurance coverage at all because of the current travel ban out of Australia, and the Australian govt's 'Do Not Travel' advice to ALL countries. I know that Aussies are applying for, and successfully getting visas from the Portuguese Consulate here, so where and how are they fulfilling this insurance requirement if insurers aren't selling any coverage? Does anybody know or have any ideas?

I'm in need of a tax advisor who understands "our" typical situation. I'm all good on being legal on taxes at this point, but as I'm doing more investing and there's more compliance and KYC and such, it's getting more complicated to deal with this topic. Not living in my country of citizenship, company in another country, resident in yet another country, banking in a different country ... you know how it is, a pile of red flags.

Would be great to find a good tax advisor to sort things in a way that makes my situation as "explainable" and easily dealt with as possible. Any leads?

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

I would like to avoid having to come right back home, ya know? <3

I plan to be in Bali a lot, but if this is a terrible time to go,
it could stunt my future plans of being in Bali for an extended period of time.

Would love to see you guys! <3

@valentineworld

Hi,
I’m looking for travel insurance that I can use for work. I’m in the US now, but am moving to Portugal. I’m looking for travel insurance that I can buy to recover travel costs if my plans change for any reason. World Nomad looks good, but they don’t have the ‘Any Reason’ part. I found a helpful article on The Points Guy site, but for all the policies there, you have to be a US resident and I wouldn’t be then.
Any suggestions?

Hi! I’m still struggling to figure out how to handle health insurance.

What handy guides have you found to help figure out USA health care?

I’m struggling with:

• When it’s okay/wise to go without coverage while abroad, these days.
• What other type of insurance I want while traveling, and whether it needs to be a supplement to USA insurance or if it can be a replacement.
• Etc.

Above all, I think I want out. I wonder about success stories in moving to some other system/location, and the method you’d recommend: additional citizenship, a special visa, etc.

I have searched this topic and struggled with it, so summaries and clarity are super helpful. I appreciate any and all help with this. Thanks so much!

Any US nomads found health insurance with global coverage? My current approach has been to have US health insurance, essentially a waste of money but if I ever got very sick I could go home and have coverage. My actual healthcare is a combination of travel insurance (haven’t really used it much though) and paying cash in cheap places like SE Asia and Latin America. The cobbled together approach is neither simple nor very cost-effective. Love to find a product with global coverage that also satisfies Obamacare requirements. Any leads?

I will go on a working holiday to Berlin from this October.
Maybe I will fly to Romania, Poland, Hungary or Portugal after spending several months in Germany, if my budget will get tighter.

I’m considering Safetywing/.com for my insurance because it covers anywhere in the world with a good price. The problem is, German embassy requires females to sign an insurance covers medical cost for pregnancy for a working holiday visa.

People in my country write about Care College from Care Concept (care-concept/.de) , but I think it’s valid only when you’re in Germany.

I wonder if there’s any an add-on (free-plan) insurance for pregnancy.
Alternatively, an equivalent insurance with support of pregnancy, and same price range as Safetywing/.com.

Thank you!

I am soon to find out one way or another as I will leave my residency to become a nomad myself. I have not found a good solution for Bali or Asian countries on the internet.

I read our existing Nomadlist posts under Money tag. Money handling and charges around accessing it seem to be a big issue for nomads, soon my issue. As a post I read said, accessing money for a Nomad can be harder than making money. I am more worried about accessing money than having some.

I’ll use Transferwise Borderless account to keep my day to day living money. I am opening a Pte Ltd corporate, that only goes for business-related expenses.
My Canadian credit card will charge me an arm and a leg in fees and currency conversion for me to get Indonesian Rupiah in Bali from Canadian dollar account. Then at some point, my credit card will complain I am not in Canad anymore.
Not knowing better, I’ll try that. If that works good and still live me short on how to go for smaller and random daily expenses.

Thanks for your help!
Enjoy your Nomad living!!

Hi there, I’m currently looking at Allianz Global and IM Global as a health insurance for long-term travel in Asia. Any experiences with those two or are there better options for European residents?

Hello all,

I have a mail management service in the UK which all my mail gets sent to. This works fine 90% of the time and most can be dealt with digitally.

The other 10%, I need the mail sent on to me, which they do offer as a service. However, where I struggle is giving them an address to send it to in the Philippines, namely Manila.

I’ve used DHL for really important stuff, like bank cards, but it would be nice to have an address where I can forward certain mail. Anyone been able to set something up like this in the Philippines? Would a virtual office allow me to receive mail?

Thanks in advance

I’m a professional psychotherapist who is starting out in this lifestyle and I’m curious to hear what specific psychological struggles people had to overcome while making the transition to life as a DM. Also, what do you do to stay mentally healthy while traveling to foreign lands. I’m interested in hearing any insights people may have, especially since I am working on a book on psychological resilience and I can’t think of a more stressful transition than moving from a static to a nomadic lifestyle. If you’re not comfortable putting your experiences on a public forum, feel free to PM me.

I’m wondering how Digital Nomads with pre-existing conditions insure themselves.

I’m German and most of the German DNs I know keep their primary residence in Germany and go with private health insurance (~150-250€/month) + travel insurance (<50€/month). Sadly that’s not possible for people with pre-existing conditions; those (at least in Germany) are required to voluntarily insure themselves with the governmental healthcare providers at 15.7% of pretax revenue (min. ~350/month, max. ~850€/month).
Probably most other European states work in similar fashion?

The last few years I have gotten along by tricking a little (staying registered as a student), but I’m soon hitting the age limit where that’s not possible anymore and am now looking at either incorporating and paying myself a fixed salary or getting a residency in another European country with a (for self-employed people) more accessible public health system (my main focus is on Portugal’s NHR regime).

Does anyone else here have/had a similar problem? I wonder how others have solved this issue.

So… Trump is Prez. The world looks to the US as a role model. He doesn’t think Climate Change is real. We’re !@#$ed.

Canadian Citizen here. Was considering Costa Rica for a long term solution, but they won’t deal with the impact as well. We were always fond of NZ and my parents spend at least 3 months of the year there along with knowing some citizens.

Questions:

1. How can we gain a Permanent Residency Visa? It seems the Skilled Migrant Category makes the most sense as I am a Systems Analyst (by NAFTA requirments) and my wife could probably qualify as a Nutritionist/Naturopath/Counsellor. Anyone have experience with this path?
2. I currently work for a US non-profit remotely. Does NZ allow for this? do I need a job in NZ to be considered for the Skilled Migrant Category? Can I work for the US org while my Permanent Residency is processed?

Thanks!

I am looking for a best virtual Domicle to declare as permanent legal USA address and Legal Domicle where I can receive Virtual mail and have it mailed to my current geography. Please inform if you have recommendations or experience. Thanks!

I have been sent a short term contract to do a remote trial for a Canadian company. I am pretty new to the contracting game and in the past I’ve only contracted locally in New Zealand and the most I ever signed was an NDA.

I’m pretty wary of the North American legal system, where people make a living off suing or encouraging people to sue. I hope this will never be the case for me, but I want to be smart and cover myself.

Who are the top local or international insurance companies offering affordable packages for NZ contractors working for NZ and international companies?

Thanks,
Dan

I’m on a RTW trip with my family for a year. We’re in a new country every few weeks or so. World Nomads seems to be the most popular company but they have horrendous reviews regarding payment of claims. I’d love to hear of other options people have experience with - or if you’ve had a positive outcome with World Nomads. Thanks all.

I’m planning to leave the US in May, travel for at least a year, maybe longer, and it is unclear, if I’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 I’m left with whatever insurance I have there.

How do you deal with this?