As more people embrace workcations and extended travel lifestyles, the question of how to help protect health, finances and logistics while abroad becomes even more important. Digital nomads and long-term travelers face different risks than vacationers, and they need travel insurance that reflects that.

If you’re planning an extended trip or temporarily working remotely from abroad, here’s what to consider when choosing travel insurance, and how Arch RoamRight may fit into your coverage strategy.

🌍 What Makes Long-Term Travel Different?

Unlike short-term trips, long-term travel often involves:

• Multiple countries or destinations
• Changing accommodations and travel schedules
• Limited access to a consistent healthcare network
• Increased exposure to unexpected disruptions (visas, politics, illness, etc.)

Traditional travel insurance policies are typically built around trips with defined start and end dates. For digital nomads, flexibility and coverage continuity are key concerns.

🧾 What Arch RoamRight Covers for Nomad Travelers

Arch RoamRight offers travel insurance plans that can accommodate longer trips, often up to 180 days, depending on the plan. These plans may include:

• Trip interruption coverage for unexpected events that force you to return home early
• Emergency medical benefits that apply while you’re abroad (up to the plan’s limits)
• Emergency evacuation if appropriate care isn’t available locally
• Baggage loss or delay protection for those carrying work equipment
• 24/7 travel assistance to help locate services or navigate emergencies in unfamiliar places

🩺 What About Primary Medical Coverage?

Arch RoamRight travel insurance is not a substitute for health insurance. It is intended for unexpected, emergency medical situations while traveling. This includes injuries, sudden illness, or the need for evacuation, but not routine care, dental cleanings or ongoing treatments for chronic conditions.

If you’re abroad for an extended period and need primary or long-term medical coverage, you may need:

• An international health insurance plan
• National healthcare registration (if staying in one country long enough)
• A hybrid approach, using Arch RoamRight for emergencies and another plan for routine care

🔄 Can I Renew My Policy While Abroad?

Arch RoamRight policies must be purchased before you begin your trip and typically require a defined departure and return date. If you’re abroad and your policy expires, you may not be eligible to renew or extend it while already traveling.

If you’re planning ongoing travel, speak to a licensed representative to explore your options based on your itinerary.

🧳 Insuring Your Devices

Many digital nomads travel with laptops, cameras and other valuable equipment. While Arch RoamRight includes baggage loss and theft coverage, it’s subject to:

• Maximum limits per item and per claim
• Exclusions for professional equipment or electronics over a certain value
• Requirements to document loss and provide receipts

If you’re traveling with high-value equipment, it may be worth securing specialized insurance in addition to travel insurance.

📋 What to Look for in a Travel Insurance Plan

Arch RoamRight provides transparent details during the quote process and licensed support for more complex travel plans.

✅ Is Arch RoamRight Right for Digital Nomads?

If you’re planning to be away for several weeks or months, Arch RoamRight may be a fit if:

• You have set departure and return dates
• You want protection for unused, prepaid, non-refundable trip costs (flights, housing, etc.)
• You need emergency medical and evacuation benefits
• You understand the limits around routine healthcare

For full-time nomads without a return ticket, additional solutions such as global health insurance, may be needed to fully support your lifestyle.

✈️ Extended Stay Travel Requires Thoughtful Planning

Whether you’re spending a few months abroad or hopping between continents, having a plan for unexpected situations is just as essential as planning your itinerary.

Explore Arch RoamRight travel insurance and see how our plans can support your next extended adventure.