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Choosing travel insurance as a remote worker isn't just about finding the cheapest monthly premium

Most people understand, on some level, that travel insurance is more important abroad than at home. What they often don't understand is why — and why the policies themselves are structured so differently

The most convincing argument for travel insurance isn't a policy document or a comparison chart. It's a story. It's the person who spent three days in a Thai hospital and received a $34,000 bill — and paid $0 of it

Remote workers occupy an awkward middle ground in the insurance market. You're not a tourist — you can't rely on short-term travel policies with 30-day trip limits. You're not an expat with a work visa and an employer-sponsored plan

When a remote worker in rural Colombia fractured her spine in a motorcycle accident last year, the nearest neurosurgeon capable of performing the required surgery was 1,400 kilometers away — in Bogotá. The air ambulance to get her there cost $38,000

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