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We are only able to insure residents of the UK and Europe.

Please select your country of residence from the following:

  • United Kingdom
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Digital Nomad Insurance

Work remotely, explore more and take your travel insurance with you

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Remote work included
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Up to £10m/€10m medical cover
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Extend while abroad
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Home visits on eligible long trips

Make the world your workplace

An early meeting in Lisbon, a few emails from a café in Chiang Mai, and the weekend exploring somewhere completely new. If your job can travel with you, there is no reason your adventures have to wait until your next holiday.

True Traveller offers travel insurance for eligible UK and European residents who want to see more of the world while keeping their work going. Remote, laptop-based work is included as standard, whether you work for an employer, freelance or run your own business.

One journey, plenty of possibilities

Some digital nomads like a plan. Others prefer to decide where to go next once they get there. Our Single Trip cover can suit long journeys through several countries, with no return ticket needed. Just choose the area of the world and the dates you need when getting your quote.

And if you are not ready to come home when your policy is nearly finished, you can arrange an extension while you are abroad. On eligible long trips, you can also come home for a visit and head away again. Your insurance is suspended during your time at home.

Travel more, worry less

The freedom to work from anywhere is fantastic. Having an unexpected medical bill on the other side of the world is not. That is why True Traveller includes up to £10 million in emergency medical and repatriation cover for UK policyholders, or €10 million for European policyholders, with 24-hour emergency assistance.

You can tailor your cover with optional baggage and specified-item protection for eligible personal gadgets, along with Activity Packs for adventures that go beyond your laptop. Just remember that travel insurance is not a replacement for professional liability insurance or a comprehensive business-equipment policy.

10 answers for life on the road

  • Is this designed for a long trip through multiple countries?

    Yes. If your plans involve more than one country and a few changes of scenery, True Traveller can come along for the journey. Choose the right area of cover and travel dates when you get a quote. Your Validation Certificate will show exactly what you have selected.

  • Can I work online while I travel?

    Absolutely. Laptop-based work is included as standard under Non-Manual/Clerical Work. So whether you are an employee working remotely, a freelancer or running your own business, you can keep working as you travel. There is no separate daily limit on remote working during your insured trip.

  • What if my work involves more than remote laptop work?

    Not every job involves sitting behind a laptop. Some other work is already included, and certain hands-on jobs can be covered by adding an Activity Pack. Check the type of work against our activity list before you start. If you are unsure, just ask us.

  • Can I come home during my long trip and then carry on?

    Of course. On an eligible long-trip policy, you can pop home to see family and friends, then head off again. Your travel cover is suspended while you are at home and resumes when you leave to continue your trip. Your original policy expiry date stays the same.

  • Can I extend my policy if I am already abroad?

    Yes. If you are enjoying yourself so much that you want to stay longer, you can arrange an extension to an existing True Traveller Single Trip policy while you are still away. Try to do this before your policy expires. If it has already ended, you will need to apply for a new policy using the Already Travelling option.

  • How do I reach emergency medical help when I am abroad?

    Help is available 24 hours a day through AXA Assistance. Call +44 20 7985 7446 from overseas, or 1 800 986 6380 toll-free from the USA or Canada. The assistance team can help with medical treatment, hospitals and repatriation when needed.

  • What is the medical cover limit for UK and European residents?

    You get up to £10 million in emergency medical and repatriation cover if you are insured under a UK policy, or up to €10 million under a European policy. That is for unexpected medical problems during your travels, rather than routine healthcare or ongoing private medical treatment.

  • Can I add my laptop and other work equipment?

    You can add cover for eligible personal gadgets such as a laptop, tablet or phone when you arrange your insurance. Check the item limits and make sure anything you want to insure is shown on your Validation Certificate. This is personal travel cover, not a blanket policy for employer-owned equipment or tools of trade, so check with us before relying on it for business equipment.

  • What if my trip includes activities as well as remote work?

    Then make the most of your travels! We include plenty of activities as standard, from swimming to trekking up to 3,000 metres. If you fancy something more adventurous, you can add an Adventure, Extreme or Ultimate Activity Pack, or Winter Sports cover. Just check that your chosen activities are included before you take part.

  • Does the policy include Personal Liability cover?

    Yes. Your working day is only part of your trip, and Personal Liability cover is there for eligible everyday accidents, such as accidentally injuring someone or damaging their property while travelling. It does not cover claims arising from your job or the work you do for clients. If you are employed, your employer should arrange appropriate work-related insurance; if you are self-employed, you may need separate business liability cover. Your ordinary travel Personal Liability protection is still available when you are enjoying the rest of your trip, subject to the policy exclusions.

Why choose True Traveller?

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In partnership with AXA
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Already Travelling Cover
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92 activities as standard
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24/7 emergency assistance
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Online claims
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One-way travel insurance
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Road and gadget cover
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Activity and high risk cover

Trusting your insurer

For us, giving service is first, last and everything. We’re delighted to be rated 5/5 by the independent review service, Reviews.io.

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My TT policy

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Our Insurer

Your True Traveller Policy is insured by Inter Partner Assistance S.A., which is part of the AXA Group, one of the world’s largest insurance companies.

Insurer

Already Travelling – No Problem

If you’ve already started travelling, and you previous insurance has run out, or you simply forgot before you left to take out travel insurance, you can simply apply online and get cover immediately.


Do however note, if you have already lost an item of baggage, have already seen a medical professional or are feeling ill or have been injured and about to see a medical professional, then we can’t help. Insurance is there to assist you in the event that something may happen, not for things which have already happened.




92 Activities as standard

Your Traveller Policy includes 92 activities as standard, which includes Bungee Jumping, Horse Riding, Safari Touring, Scuba diving to 18M and lots more activities you may end up partaking in on your trip. We even include non-manual work if you’re on a Working Holiday, and include bar and restaurant work as well.


We have our Adventure, Extreme and Ultimate Activity Packs you can select when you apply for your Insurance with us, which covers even more activities, to even include Rock Climbing, Trekking to unlimited altitudes as well as light manual labour again if you’re on a Working Holiday.




24/7 Medical Assistance Service

If you have an accident on your trip and end up in Hospital, AXA Assistance has a team of multi-lingual staff and medical professionals on duty, 24 hours a day, 7 days a week.

You can call them from overseas on +44 20 7985 7446, or if you’re in the USA or Canada, you can also call toll free on 1 800 986 6380.

They will be able to assist you and get your medical bills paid, and in cases where it’s medically necessary, arrange to fly you back home for further medical attention.




Choose your Activity Pack

The Traveller Pack is included as standard on all our policies. However you can upgrade to more adventurous activities to ensure you are covered when undertaking these activities. If there’s an activity not listed, just contact us and we will see if we can get it included for you.

Traveller Pack
Abseiling Aerobics
Archery Athletics
Badminton Ballet
Banana Boating | excludes Flying Fish Baseball
Basketball Black Water Rafting (grades 1-3)
Bowls Bungee Jumping (2 jumps)
Camel riding (day tour) Canoeing (inland/ coastal – grades 1-3)
Caving (sightseeing/ tourist attraction) Recreational Visit only Cheerleading and Baton Twirling (excludes stunts)
Clay pigeon shooting Cricket
Croquet Cruising (Cruise Ship)
Curling Cycling (incidental to the trip) including e-bikes
Cycling (on an organised tour) Dodge Ball
Dragon Boating (inland/ coastal waters) Dune Bashing
Walking with Elephants (Riding Elephants not covered) Field Hockey
Fitness Training Fishing (inland/ coastal waters) - Sports/ Leisure fishing only – no commercial or rock fishing
Flag American Football Floorball
Flying (as a fare paying passenger in a licenced scheduled or chartered aircraft or helicopter) Football (Soccer)
Go Karting Golf
Gymnastics Horse riding (leisure/ social/ non-competitive) - No racing/ jumping
Hot Air ballooning Ice skating (indoor)
Ice skating (outdoor) on a commercially managed rink Jet boating (inland/ coastal waters)
Jet skiing (inland/ coastal – grades 1-3) Kayaking (inland/ coastal – grades 1-3)
Kite boarding (on land or water) Lacrosse
Martial Arts training (non-contact) Motorcycling (on road under 125cc) (1) – No Motorcycle Touring
Netball Non Manual/ Clerical Work (2)
Orienteering Outdoor endurance courses up to 3 miles
Outward Bound Pursuits Paint Balling/ Airsoft
Parasailing/ Parascending (Over water) Racquetball
Rifle range/ Sports shooting River Boarding/ Hydro Speeding (grades 1-3)
Roller Skating/ Rollerblading Rounders
Rowing/ Sculling (inland/ coastal waters – no white water) Running/ Jogging (up to half marathon distance)
Safari Travel Sandboarding/ Sand Skiing
Sailing (inland/ coastal waters) Scuba Diving (up to 18 metres in depth)
Segway Tours (Helmet must be worn) Skateboarding (ramp, half pipe, skate park, street) | excludes Electric Skateboarding
Snorkeling Snowshoeing (Flat Terrain)
Softball Speed Boating (inland/ coastal waters – no white water)
Squash Stand up Paddle Surfing/ Paddle Boarding
Surfing Swimming (pool; enclosed, inland/ coastal waters)
Swimming with Dolphins/ Whales/ Whale Sharks Table Tennis
Tandem Skydive (1 jump) Tennis
Trampolining Trekking up to 3,000 metres
Triathlon up to Sprint Distance Tubing on rivers (grades 1-2)
Ultimate Frisbee Volleyball
Wall Climbing (Man-made Climbing Walls) – No soloing Water Polo
White Water Rafting (grades 1-3) Windsurfing (inland/ coastal)
Yoga Zip Lining
Adventure Pack
Aerial hoop or silks (Max 2m above the floor) Aerial Safari
Bicycle Polo Black Water Rafting (grades 4-5)
Bouldering – No soloing Boxing/Muay Thai Boxing (training only)
Bungee Jumping (3 or more jumps) Camel Trekking (overnight/ main mode of transport)
Canyon Swinging Canyoning
Canoeing (inland/coastal – grades 4-5) Cheerleading and Baton Twirling (includes stunts)
Dirt Boarding Dogsledding (on recognised trails)
Fencing Fishing (outside coastal waters/ deep sea) – Sport/ Leisure Fishing only
Fly By Wire Glacier Walking
Horse riding (overnight/main mode of transport) Indoor Skydiving
Kayaking (inland/coastal – grades 4-5) Kite Buggy
Land Surfing Marathons
Martial Arts - Judo/ Karate /Jiu-Jitsu only (training only) Motorcycling (on road over 125cc) (3) – No Motorcycle Touring
Mountain Biking (MTB trail grades Green/Blue) Open water swimming with support boat (above 5˚C)
Outdoor endurance courses up to 8 miles Outrigger canoeing (inland/ coastal waters)
Quad Biking (Helmet must be worn) Permitted Manual Work (4)
Rock Climbing (outdoor/traditional/sport climbing/bolted/aid climbing). Excludes Sea Cliff/Ice Climbing/Big Walling over 450M Roller Hockey
Sailing (outside coastal waters) Scuba Diving (up to 40 metres in depth)
Shark Cage Diving Spearfishing
Trekking up to 4,600 metres (N) Triathlon to Middle Distance /Half Ironman
Via Ferrata (schall scale A-C) Volunteering (6)
Water Skiing/ Wakeboarding/ Wake Skating (No jumping) White Water Rafting (grades 4-5)
Wing Foiling (within coastal waters) Zorbing
Extreme Pack
American Football Australian Rules Football (AFL)
Caving / Potholing (as part of a group, not ice; known routes only) Coasteering
Cycle Touring Cycling - BMX
Flying (as pilot or passenger of a private light aircraft) - No Stunt/ Aerobatics or Commercial flying. Gaelic Football
Gliding Horse Riding (Equestrian, Dressage, Show Jumping, Eventing)
Hurling Kite Wing (land, water only)
Motorcycling/Trail Biking (off-road under 250cc) (7) – No Motorcycle Touring/ No Motocross Mountain Biking (MTB Trail Grade Red)
Outdoor endurance courses up to 13 miles Ranching and Ranch activities
Roller Derby Rugby (League/ Union)
Scuba Diving (up to 50 metres in depth) Tandem Paragliding (1 flight)
Trapeze/ High Wire/ Aerial Silks Trekking over 4,600 metres (8) (N)
Via Ferrata (schall scale D-E) Water Skiing (Barefoot)
Wrestling/Sumo Wrestling
Ultimate Pack
Climbing (Ice) – No soloing. Hang Gliding
Mountain Biking (MTB Trail Grade Black) Mountaineering to 6,000M with (with ropes, picks or specialist climbing equipment). (N)
Parachuting – More than 1 Jump | excludes Base Jumping Paragliding/Parapenting/Paramotoring
Parasailing/Parascending Polo/Polocrosse
Sea Cliff Climbing – No soloing Skydiving/Tandem Skydiving – More than 1 Jump
Triathlon to Full Distance /Ironman Ultramarathon – Max distance 250km /No Polar Cover

(1) Note you must have the correct licence in your Country of Residence to drive a motorcycle or cover is not available. If you are from the UK, you are only covered if you have either a full Motorcycle Licence, or in the absence of that you have taken a Compulsory basic training (CBT) course in the past two years. A helmet must be worn when riding a motorbike.

(2) Non Manual/Clerical Work means professional, clerical or administrative work or working as a classroom teacher, classroom assistant, au pair, child-minder, bar and restaurant work.

(3) Note you must have the correct motorbike licence in your Country of Residence to drive a motorcycle or cover is not available. A helmet must be worn when riding a motorbike.

(4) Permitted Manual Work means general farm work and fruit picking. This includes driving tractors and other similar farm vehicles so long as you comply with any appropriate license requirements; doctor, nurse, midwife and care work (including medical elective trips but not dental elective); light building and DIY e.g. painting, decorating or basic construction work using light power tools only. Permitted Manual Work is not covered if it involves the use of plant/trade/industrial machinery, non-domestic power tools or working at a height of over 2 metres.

(6) Volunteering means your participation in community or wildlife based conservation/project work when arranged by a professional organisation. This may include caring, teaching or nursing. It may also cover community/charity based supervised building/renovation projects or other Permitted Manual Work, provided the activity does not involve the use of plant/trade/industrial/agricultural machinery (other than tractors), non-domestic power tools or working at a height of over 2 metres.

(7) Note you must have the correct motorbike licence in your Country of Residence to drive a motorcycle or cover is not available. A helmet must be worn when riding a motorbike.

(8) Trekking over 4,600 metres exclude rock climbing at altitude. This is covered by Mountaineering in the Ultimate Pack. However, trekking will include peaks such as Mera Peak and Island Peak in Nepal, as these are treks and no mountaineering skills are required for these summits.

(N) If travelling to Nepal, you must also select the Trekking in Nepal option.

Please Note: The above list of activities is subject to the full policy terms and conditions which we suggest you read to ensure you are happy with the cover you elect to arrange.





Are you already travelling?

Can I take out this Insurance if I’m already abroad?

If you are normally a resident of the UK or Europe and your insurance has run out, you may take out cover online with us for Single Trip policies. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Obviously, this insurance will not pay for your belongings if you’ve already lost them, medical bills if you’ve already incurred them or any other events known to exist at the time of arranging cover which might give rise to a subsequent claim. Note, purely as an anti-fraud measure, there is no cover in the first 48 hours after you’ve taken out your policy, except of course in the case where you suffer an injury as a result of an accident.

Please note if you are already travelling, you MUST select this option otherwise your Policy is not valid.

If I take out Insurance and get ill, where will I get repatriated to?

In the unlikely event of this happening, you will be repatriated back to your home country as long as the appropriate geographic premium has been paid and it has been agreed by the 24 hour Emergency Medical Assistance Service.

Please Note: The above FAQs are subject to the full policy terms and conditions which we suggest you read to ensure you are happy with the cover you elect to arrange.




Where do you normally live?

Your Country of Residence is the country where you:

Note if you have recently been travelling, we do not have any minimum residency requirements. This means, for example, if you are a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you fulfil all the requirements as set out above.




Start and End Dates

The Start Date is the date you leave your home to start your trip, or the date you want cover to start if you're already travelling.

The End Date is the date the policy will expire, so select the date you expect to return home, or the date you expect to reach your destination if you only need one-way cover.




Travellers Ages

Please enter your age that you are today. For infants aged under 1, please enter 0 as the age.




Travelling To Caution

Please select where you are travelling to.




Residence Caution

Please choose your country of residence.




Blank Age Caution

Please enter your age.




Blank Age Caution

Please add the age textbox through spinner plus sign to enter traveller age.




Min Age Zero Caution

Age cannot be zero.




Caution - Age Check


You have entered the ages of all travellers as below 18 years of age. If this is a mistake please go back and correct this error so you can complete your application.

If the ages should all be under 18 years, please note to enter any sort of financial contract the individual purchasing the insurance must be 18 years of age or older.

By continuing, you are confirming that you are a parent or legal guardian on behalf of the child to be insured.

Already travelling Caution

Please check already travelling checkbox.




Maximum duration Caution

Sorry, the maximum length of a policy you can have is limited to 366 days if you are 50 years of age or more. Please amend your End date to  in order to get a quote.

Please amend your end date accordingly, and remember it's always possible to extend cover with us even if you're still travelling at the end of this period.




Maximum duration Caution

Sorry, the maximum length of a policy you can have is limited to 548 days if you are 36 years or age or more. Please amend your End date to  in order to get a quote.

Please amend your end date accordingly, and remember it's always possible to extend cover with us even if you're still travelling at the end of this period.




Trip Type Maximum duration Caution

Sorry, the maximum length of a policy you can have is limited to 548 days (18 months). Please amend your End date to  in order to get a quote.

Please amend your end date accordingly, and remember it’s always possible to extend cover with us even if you’re still travelling at the end of this period.

Note: If you need 2 years cover, please change your destination to Worldwide including USA & Canada.




World Wide Trip Maximum duration Caution

Sorry, the maximum length of a policy you can have is limited to 731 days (24 months). Please amend your End date to  in order to get a quote.

Please amend your end date accordingly, and remember it’s always possible to extend cover with us even if you’re still travelling at the end of this period.




Maximum Advance Booking Caution

Sorry, you can only start a policy with a commencement date up to 364 days from today’s date, so please amend your start date.




We're very Sorry…

… but since most of our insurances are for adventurous activities or for backpackers, the maximum age we are able to insure to is 75, as for our sort of business mix, we’re unable to get rates from Underwriters for ages above this.

For residents of the UK, we recommend you telephone Goodtogoinsurance.com on 0330 024 9949 as they can insure persons aged 76 and above.

Goodtogoinsurance.com is a trading name of Ancile Insurance Group Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 471641).

For residents of Europe, we recommend you contact your local AXA Insurance office.




Caution

Sorry, but since the majority of our insurances are for adventurous activities or for backpackers, the maximum age we are able to insure to is 65, as for our sort of business mix we’re unable to get rates from Underwriters for ages above this.

We don't know of any travel insurer who will offer cover to any persons aged 66 or more who are already travelling, so we suggest you contact your current insurer to see if they will extend your current cover.




Start Date Caution

Please select the travelling start date.




End Date Caution

Please select the travelling end date.





Regulatory Notice

Please note that this website, all documentation and communication in relation to this policy is available in the English Language only.
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Important Notice


We have detected that you are using a computer which doesn't appear to be located in your Country of Permanent Residence.

Please be aware that you must choose the "Already Travelling" option on this page to ensure your policy is valid. Without the Already Travelling endorsement shown on your Policy, the policy is simply not valid and claims may be declined.

You may of course be purchasing this insurance for someone else, or you may be using a Corporate Internet routing through another country which we cannot detect, so if that is the case then please contact The True Traveller by telephone where one of our operators will be pleased to assist.




Start Date Caution

The start date of your insurance is in the past. Please correct the start date.




COVID Cover

All True Traveller policies include medical, cancellation and curtailment cover for Coronavirus.

For further information about the Coronavirus and your True Traveller policy, please go to the Coronavirus FAQs on our website.




Age Limit Exceeded

We're sorry, but Multi-Trip policies are only available for travellers up to 65 years of age.

If you’re over 65, please click here to get a Single Trip quote — we’re able to offer cover on Single Trip policies for travellers up to 75 years old.