Thanks! At the moment it does the conversion for the total price and the price minus Upwork fees but due to the complexity of understanding different tax codes it doesn't do any of that. There will be some unknown banking fees in the transfer which we also don't take account of for now.
I thought it sounded really expensive. My annual AMEX travel insurance is £31 a year, however it does have a max trip length of 90 days so wouldn't be suitable for "Digital Nomading".
150+ currencies are supported and for now we use this simple API: https://apilayer.com/marketplace/currency_data-api