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IEC Travel Insurance

Purchase Travel Insurance with Fast Cover that covers repatriation, medical and hospital expenses. Our IEC guide below should provide all the information you need or call us on 1300 409 322 for answers to our IEC questions.

IEC Travel Insurance Checklist

1. Cover for repatriation

It is a requirement by Canadian immigration that travellers participating in the International Experience Canada program are covered for repatriation. Good news is that all Fast Cover policies provide repatriation cover.

2. Two years worth of insurance

Another requirement of International Experience Canada policies is that it covers you for the length of your visa. Fast Cover policies can be purchased for up to 1 year and extended for up to another year, ensuring you receive cover for the length of your two year working holiday visa.

3. Ability to return home without voiding your IEC insurance

Not all IEC travel insurance policies allow you to return home without voiding your insurance policy. Fast Cover policies allow you to return home, and resume your trip, as long as you have at least 14 days remaining on your policy.

4. Travel insurance that covers snow sports and adventure activities

Our policies have an optional Adventure Pack for the adventurous traveller or the ability to upgrade to the Snow Sports Plus policy if you will be skiing or snowboarding.

5. Travel insurance with pre-existing medical cover

When purchasing travel insurance for working in Canada it is always a good idea to double check that any Pre-Existing Medical Conditions you have are going to be covered. Fast Cover policies provide cover for up to 43 Pre-Existing Medical Conditions.


CALL 1300 409 322 for answers to IEC Travel Insurance 
questions about our policies


Buying Travel Insurance for a 24 Month Working Holiday

Every year thousands of Aussie travellers head to Canada as part of the International Experience Canada (IEC) program for a one or two-year working holiday visa. The IEC Working Holiday program only accepts a limited number of participants each year, so it’s important to make sure you meet the strict visa and work permit requirements so you don’t miss out. Travel Insurance that covers your visa length is one of those requirements.

What is IEC Travel Insurance for Canada?

Fast Cover’s working holiday travel insurance provides cover for travellers who want to experience living and working in Canada for up to two years as part of the International Experience Canada program. Our Basics, Standard Saver, Comprehensive & Snow Sports Plus policy options all include cover for 24/7 emergency assistance, medical expenses, hospitalisation and repatriation cover that fulfils the International Experience Canada visa requirements.

Why Is Travel Insurance Mandatory For My Working Holiday Visa?

Australians travelling to Canada to undertake a 2-year Working Holiday Visa as part of the International Experience Canada (IEC) program  are required to have International Travel Insurance  that includes repatriation cover, covering the duration of their visa. Depending on the type of policy you choose, Fast Cover provide unlimited Medical Cover, Luggage Cover, Cancellation Cover, 24/7 Emergency Assistance as well as cover replacing your credit card or travel documents if they are stolen. 

If you are in an emergency while on your working holiday in Canada, our emergency assistance team can help direct you to local medical providers, coordinate alternative transport, and act as a guarantor for overseas emergency medical expenses if required.

Note that the Australian Government recommends that all travellers take out Travel Insurance to cover them for unexpected emergency medical expenses overseas.

Canada universal health-care

Canada does have a public health care service available for Canadian Citizens and permanent residents. To access it, you’ll need to apply for provincial health insurance and serve the waiting period for your health insurance. Alternatively, your employer may provide it for you once you have served your probationary period. So, once you get a job, ask your boss about getting universal healthcare. Once you have been approved, you will be issued with a card which you are required to present when you attend a medical clinic or hospital.

However, Canada’s public health insurance may not provide the level of covered required for your IEC visa.  Common expenses that may not be covered by provincial health care include:

Sporting injuries while on a working holiday

Participating in Snow Sports is a very common for travellers on an International Experience Canada visa.

IEC travel insurance can provide assistance if you are injured whilst participating in not only Snow Sports like skiing and snowboarding, but injuries from other covered sports. If you end up with a broken bone or become injured while participating in activities that we provide cover for including surfing, scuba diving or hiking, you have a 24/7 team of medical assistance experts that you can call to aid you in the event of an emergency.

You are able to claim back on medical expenses as long as the activities you will be participating in are covered by your insurance provider and meet the terms and conditions of the policy.

Emergency medical repatriation for IEC visa holders

If you are injured or sick when you are travelling, we have a 24/7 emergency medical assistance team that will be able to organise repatriation, if we deem it necessary, for you to return home to Australia for treatment. The emergency team is also able to arrange for you to be accompanied by a registered and approved nurse if required. The policy also provides cover for an immediate family member to fly to Canada and fly back home to Australia if needed.

Your luggage or belongings being lost, stolen or damaged

If your bag is lost, stolen or damaged, we may be able to assist under the Luggage and Personal Effects benefit if you have an eligible policy. If someone grabs your bag while you are travelling or tries to rip your possessions out of your hands, there may be provision to claim under your insurance policy. Remember that there are thieves that target tourists around local shopping centres or upmarket areas. Be wary, keep your stuff in sight and reach at all times!

Depending on the circumstances, travel insurance may be able to provide cover for your losses. You will need to obtain a police report within 24 hours of the theft to submit with your claim.

Travel Insurance with cover for Personal liability

Fast Cover Travel Insurance policies also include Personal Liability Insurance

This is a benefit in your policy that can provide cover should a claim be made against you for the death or injury of a person, or the physical loss or damage to property. Travel insurance may be able to assist in the payment of compensation and legal expenses whilst on your working holiday if your claim circumstances meet the terms and conditions of this benefit.

Fast Cover Travel Insurance Policies and the IEC Requirements

The main travel insurance requirements of the International Experience Canada (IEC) work permit are medical, hospitalisation and repatriation cover. Our Basics, Standard Saver, Comprehensive & Snow Sports Plus policy options all include these benefits, with some policies having additional benefits for cancellation, luggage and travel delays. In addition, Fast Cover policies also include 24 hour Overseas Emergency Assistance for IEC travellers.

For more information about the International Experience Canada insurance requirements, visit the Canadian Immigration and Citizenship (CIC).

What is the Best Travel Insurance for an IEC Working Holiday?

When assessing the right policy for you and your travel needs, it is always best to review the benefits included in the insurance policy, and any that are required for your visa. 
Fast Cover has been awarded “Best Value Comprehensive Cover 2015”, “Best Online Customer Service 2016”, “Best Travel Insurance (Comprehensive) 2017”, just to name a few. Below are the benefits included in these multi-award winning policies:

2 year travel insurance for Canada

Fast Cover policies can cover you for up to two years while living and working in Canada. Travel insurance is your resource to better deal with many of the unexpected situations you might experience while travelling on the IEC visa, including 24 hour emergency assistance, emergency hospital expenses and repatriation cover.

Repatriation cover while on a working holiday in Canada

Repatriation put simply means ‘to return you back to your home country’. Our repatriation cover is able to bring you back to Australia if you become sick, injured, or die overseas.

Range of policy options for Australians working in Canada

Fast Cover provides Travel Insurance policies ranging from Basic policies to Comprehensive Travel Insurance and also a Snow Sports Plus option for the avid skiers.

Travel Insurance with 24 hour emergency assistance

When overseas you will have access to your 24/7 emergency medical assistance team. Whether you have an emergency or you're just not sure about something while overseas, you’ll have 24 hour access to the emergency assistance team.

IEC Travel Insurance with medical & hospital cover

This benefit provides cover for unexpected overseas medical expenses such as doctor’s consultations, prescribed medications for any acute medical conditions that arise such as antibiotics, the cost of staying in hospital and medical treatment such as surgeries. In serious cases, you may also be repatriated home to Australia if necessary.

Skiing and snowboarding cover while on a visa in Canada

Our Snow Sports Plus policy provides Travel Insurance for Skiing and Snow Boarding while in Canada. This Travel Insurance policy includes cover for off-piste (with a professional instructor), heli-skiing, cat-skiing, back-country skiing with a professional snow sport instructor and snow mobiling.

Cover for luggage and personal effects while working overseas

If your bag is lost, stolen or damaged we may be able to assist under the Luggage and Personal Effects benefit. If somene grabs your bag while you are travelling or tries to rip your possessions out of your hands there may be provision to claim under your insurance policy. Remember that there are thieves that target tourists around local shopping centres or upmarket areas.

Adventure sports and activities cover while travelling in Canada

In addition to the automatically included Sports and Activities, Fast Cover policies have an Adventure Pack  for the adventure seeking travellers, which can cover activities such as abseiling, amateur contact sports, hiking, quad biking, white water rafting, and zip lining.

Motorcycle riding while in Canada

The Fast Cover Motorcycle Pack can provide cover for riding motorcycles overseas, as long as you have a motorcycle licence, and are licenced to ride in the country you are visiting. You should check local laws to determine what local or international licences may be required.

Pre-existing medical conditions for your IEC Canada insurance

Fast Cover Travel Insurance policies automatically cover 43 Pre-Existing Medical Conditions with all of our policies.

Trip disruption expenses if your working holiday is interrupted

If you purchase a Comprehensive, Standard Saver or Snow Sports Plus policy, if your holiday is disrupted because you, your travelling companion or a family member back home is sick or injured, a natural disaster occurs or your travel documents have been stolen, you may be able to claim for any additional accommodation, travel or travel document replacement costs.

FAQs about Working Holiday IEC Travel Insurance

In short, yes! We provide travel insurance policies for many Aussies heading to Canada for the International Experience Canada program every year.

As long as you meet the eligibility criteria to buy travel insurance from us, we can provide a policy for up to two years through a policy extension. Initially, we are only able to issue you with a 12-month policy. Then, from your policy start date, you can login to the Your Policy section of our website and extend it up to the full two years. The date changes are instantaneous and you'll be able to download your updated certificate immediately showing your new cover dates.

You can also contact us via phone or reply to your policy email and we can arrange this extension for you.

When purchasing a travel insurance policy from Fast Cover, it is important to review the automatically covered Pre-Existing Medical Conditions in our policies, as any pre-existing medical conditions that do not meet the eligibility criteria for these conditions or are not listed will not be covered by our policies.

To get an idea of the approximate cost for a two-year working holiday travel insurance policy, you may double the quote you have for the first 12 months. However, keep in mind that insurance premiums are subject to change. 
To help you save on your IEC travel insurance, Fast Cover will honour any discounts you received on the initial purchase when you extend your policy for the second year.

No, sorry. If you voluntarily choose to cancel your trip and return home early, we can’t provide a refund for the remaining time left on your policy, or cancel the second year extension of your policy. Purchasing travel insurance to cover the entire duration of your working holiday is a condition of entry into the International Experience Canada program, cancelling your policy after arriving in Canada might invalidate your work permit and result in deportation.

Whether you’re staying in a home or a hostel, hitting the slopes, or going on a trek to see some of the amazing sites Canada has to offer during your working holiday, there are some risks you’ll be exposed to when travelling and working while on a IEC visa.

If you are in an emergency while on your working holiday in Canada, your travel insurer's emergency assistance team can assist in directing you to local authorities, coordinate repatriation back to Australia if this is deemed necessary, and act as a guarantor for overseas emergency medical expenses if required.

Some of the common unexpected situations you may experience in Canada could involve possible injury, emergency medical repatriation and belongings being lost, stolen or damaged.

Repatriation cover is a requirement of travellers participating in the IEC Working Holiday visa in Canada.

If you are injured or sick when you are travelling, Fast Cover have a 24/7 emergency overseas medical assistance team that will be able to organise repatriation if they deem necessary for you to return home to Australia for treatment.

The emergency medical assistance team is able to organise your transport to your home in Australia and for you to be accompanied by a registered and approved nurse if required.

  • Fast Cover policies are available to the following travellers:
    Australian Citizens or Permanent Residents. See Can I buy a policy? in our FAQ section for more details and check the IEC visa requirements.
  • Travellers do not need a medical exam to apply for the IEC, but to take out a policy, you will need to be aware of the pre-existing medical conditions travel insurance companies do not cover for. Travellers with automatically covered pre-existing medical conditions who also meet the eligibility criteria for these conditions are eligible for a travel insurance policy with cover for those conditions. The pre-existing medical conditions covered by travel insurance will vary between insurers, so it is advised to check the PDS before purchasing a policy.
  • If you are likely to be participating in adventurous activities such as motorcycling, bungee jumping or scuba diving it is a good idea to take out the Adventure Pack. If you don’t, you will won’t be able to make a claim if it arises as a result of you doing an activity that is not covered. 

We offer a range of policies, including single/solo travellers, duo travellers (including spouse, couples, friends and workmates) and families travelling together. If both you and a friend are participating in the IEC Visa in Canada, you may purchase a DUO policy together, however note that any extensions, date changes, add-on packs etc apply to the entire policy. So if there is any chance one of you may change or mind, or have a different appetite for travelling, adventure sports, etc, it may be a good idea to purchase separate policies.

You can purchase travel insurance for your trip to Canada up until you board the plane. If you’re overseas and remember you don’t have travel insurance, we may be able to assist with our Already Overseas Travel Insurance. However, the earlier you purchase travel insurance, the earlier your cancellation cover will be in place.

Yes, you can! We understand that for many young travellers, committing to one or two years working abroad without being allowed to return home can seem a bit daunting and unfair. Our policies allow for unlimited trips home to Australia during your working holiday.

It doesn’t have to be for a medical emergency or something unexpected. You might just want to come back for a visit, or to attend a special event like a birthday, wedding or spend Christmas with your family, and that’s completely fine too!

Your policy will simply be suspended from the time you return to your home until the time you leave your home to continue your trip, as long as you have 14 days remaining on your policy. Following the resumption of your trip, your policy will remain valid until the end date shown on your Certificate of Insurance or your permanent return home, whichever comes first.

Yes, you sure can! As long as the country you’re travelling to is included in your current policy region (or in a lower region), you’re also covered to travel there within your policy dates. As Canada is part of the Worldwide region, a policy that covers Canada will cover you in all countries, as long as the Australia Government has not issued Do Not Travel or Reconsider Your Need to Travel warnings. So, make sure you take advantage of that stopover in the USA, New Zealand, or even Fiji.

The IEC website does state that you need to have purchased two years’ worth of travel insurance before arriving in Canada to be eligible for a two year working holiday visa.

If you will only be skiing or snowboarding for a short length of time (less than a month or two), you may purchase a Comprehensive, Standard or Basics policy to provide cover for your IEC visa, and then purchase an Already Overseas policy for Snow Sports Plus , to cover you for the time you will be skiing or snow-boarding. Note that our Already Overseas policy has a 48 hour waiting period, and a default $500 excess.

Travellers do not need a medical exam to apply for the IEC but to take out a policy you will need to be aware of the pre-existing medical conditions covered by our policy, and what we are not able to cover. More information is available at Travel Insurance for Pre-Existing Medical Conditions.

You may be able to find cheaper elective medical surgery while travelling overseas, including breast enlargements, liposuction and Botox, however this is generally excluded from travel insurance. So if you experience a complication as a result of the surgery, either while you’re in Canada or after you return home, you won’t be covered by travel insurance.

  • Breaking the law
  • Being intoxicated or taking illicit drugs
  • Participating in an activity not covered by our policy
  • Unsupervised belongings
  • Sexually transmitted infections
  • Regular medical check-ups
  • Ignoring official warnings
  • Disappointing holidays

A full listing of benefits provided with our IEC travel insurance is included below. Benefits are subject to the terms, conditions, limits and exclusions of the insurance policy and may vary depending on policy type. Read our PDS for further details or give us a call on 1300 409 322.

Medical Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Overseas 24/7 Emergency Medical Assistance^


Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas Emergency Medical & Hospital Expenses^

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Dental

$500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation & Repatriation

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Hospital Cash Payment^


––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

$50 $50 $50

Accidental Death

Travellers Aged 80 to 89:
––– $25,000
––– $25,000

Death of a Dependant (per Dependant)

$5,000 $5,000 $5,000 $5,000

Permanent Disability^

Travellers Aged 80 to 89:
––– ––– ––– $50,000

Permanent Disability of a Dependant (per Dependant)

$5,000 $5,000 $5,000 $5,000

Loss of Income^


––– ––– ––– $10,400 $10,400 $10,400

Weekly Limit (per person) - up to 26 weeks

$400 $400 $400

Financial Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Trip Cancellation Expenses


––– Unlimited $25,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $2,000 $2,000

Personal Liability

$1,000,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Trip Disruption Expenses


––– $50,000 $30,000 $50,000 $50,000 $50,000

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $2,000 $2,000

Trip Resumption Expenses

$3,000 $2,000 $3,000 $3,000 $3,000

Luggage & Personal Effects


Optional $7,500 $5,000 $15,000 $15,000 $15,000

Personal computers,video recorders or cameras (per item)

$3,000 $3,000 $3,000 $3,000 $3,000 $3,000

Mobile phones and tablets (per item)

$1,000 $1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

$750 $750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unoccupied vehicle during daylight hours

$2,000 $2,000 $2,000 $2,000 $2,000 $2,000

Passports, Credit Cards & Credit Card Fraud^

––– ––– $2,000 $5,000 $5,000 $5,000

Special Event Transport Expenses

––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Excess


––– $5,000 Optional Optional Optional Optional

Return of Rental Vehicle

$500 $500 $500 $500 $500

Travel Delay Expenses


––– $2,000 ––– $2,000 $2,000 $2,000

Daily Limit (per person)

(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)

$200 $200 $200 $200

Delay of Luggage and Personal Effects^

––– ––– ––– $750 $750 $750

Theft of Cash^

––– ––– ––– $250 $250 $250

Snow Sports Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Snow Sport Equipment

––– $1,500 ––– ––– $1,500 –––

Snow Equipment Replacement Hire

––– $1,500 ––– ––– $1,500 –––

Snow Prepaid Expenses

––– $750 ––– ––– $750 –––

Snow Resort Closure


––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

$100 $100

Please note: This is only a summary of benefits. Exclusions and sub-limits apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.

Real-life IEC Claims Stories ~

Hannah's Hospital Shock
Hannah, an 18-year-old snowboarder from NSW, was on a two-year working holiday in Canada when she was admitted to hospital with severe abdominal pain. Further tests found she had an inflammatory bowel disease which required emergency medical treatment. The Fast Cover Emergency Assistance team stepped in to manage Hannah's care and acted as a guarantor for the payment of her hospital bills. Hannah's Snow Sports Plus policy set her back just over $1,000 AUD but covered over $48,000 AUD worth of medical treatment and her recovery in hospital.

Penny’s Policy Pays Off Twice!
Penny and her partner travelled to Canada on the IEC. They had scored great jobs at the Big White Ski Resort and planned to hit the slopes on their days off. However, just a few weeks into their holiday, Penny woke up with severe pain in her jaw. The pain was so bad she couldn’t eat or sleep! A dentist confirmed she required an emergency wisdom tooth extraction at a cost of around $500 USD. Penny contacted the Fast Cover Emergency Assistance helpline and followed their advice, uploading her receipts and documentation for the claim which was fully reimbursed. Unfortunately, that was not the end of their troubles overseas, as Penny's partner’s mother also unexpectedly passed away. Once again, they contacted Fast Cover and confirmed that their travel insurance policy would cover the flights home to Australia for the funeral, as well as returning to Canada at around $2,200 AUD each.

~Traveller details have been changed to protect their privacy. Claims examples are from Fast Cover travel insurance customers from 1 July 2013 to 30 June 2016.

Why Travellers Recommend Fast Cover for their IEC Travel Insurance

Highly recommended for IEC working holidays
Fast Cover travel insurance was simple to purchase online and also very reasonably priced for two years’ worth of comprehensive snow sports cover. Online claims service is also easy to use and fast once you provide all the supporting documentation. No issues getting my two-year working visa and would definitely recommend them to anyone planning an IEC working holiday.
SB – Secondhand Boxman Travel Blog

Purchased without issues
Super easy to purchase and understand what was included. If you are looking for snow sports cover this is the place to go. I rang around to a few companies and most didn't offer the range that fast cover does. Customer service was amazing!
A Campbell – 

Quick And Easy
The range of cover options and pricing made our decision to purchase Fast Cover an easy one. Not only could we tailor the cover to our needs but the website was easy to understand, navigate and fast to respond.
Chris – Compare Travel Insurance

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Things you need to know

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply. For travellers aged 80 and over, additional terms and conditions, limits and excesses apply.