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Editor’s note: This post has been updated with current information and experiences.

Unexpected overnight stays caused by severe flight delays or cancellations. Buying clothes and other personal items when your checked bags are delayed or missing. Emergency room visits in foreign countries.

Sometimes, trips don’t go as planned. And, the troubles listed above aren’t all that uncommon — my husband and I have dealt with each of these issues multiple times in the last three years while traveling as digital nomads.

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You can self-insure…

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