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Looking at your original question: do you need the internet to open a Word Documents that was stored on a SD card:
The Quick Answer should be NO (you would not need the Internet to retrieve a local file); that said, and because of past issues that have been posted (and personal experiences) regarding idiosyncrasies with the SD Card, I would say that you have a bad read connection between the device (your phone), and the SD Card. This may have occurred during a resent update - note: when I updated to 14905, I received a SD error message; saying, a scan was needed to correct errors, my scan was successful; which is the "usual" result. But, on one occasion I could NOT get the scan to repair errors, no matter what I did. I called MS Mobile - I too was out of town - the first gut said I had a bad SD Card (I hung up on him and called back); I then talked to a caring young lady, and she (after doing some diligent research) suggested I move my APPS from the SD card, to the device; since then I have not had an unsuccessful scan for errors.
So, MAYBE, because you are traveling:
A: Connect your phone - via the appropriate cable - to another device (like a Surface pro, or similar) and move it from the SD card (on phone), and put it on the device; to see if you can call it up from MS Word.
B: You can remove the SD card and place it into another device (like a Surface pro, or similar) and copy it to that device for access to it while traveling.
Note: I know you are more than "probably" aware that if the File is located on OneDrive (and not the local device), then you
would need an Internet connection to retrieve it - I know, you know that, but I felt I would be remiss if I did not at least mention the obvious.
Bottom line: I think you probably have a corrupt connection from the Device to SD card (due to a resent update), and think you may need: a second device; or, a successful SD scan; or, another update, correcting the problem; to retrieve your file.
If the corruption was in place before you saved the file to the SD card - you will need add a lot of "luck", to the list above.
please excuse any typing errors.
Best of luck Alain.