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Working Holiday Insurance

Travelling for work? Purchasing travel insurance to cover you while you are clocked on and clocked off.
Working holiday

Travel insurance for travellers on a working holiday 

The following information applies to policies purchased from 30th October 2023 onwards. For policies purchased prior to 30th October 2023: you can find the PDS relevant to you in your policy confirmation email, by logging into MyPolicy, or you can contact us for assistance.

Travelling internationally means leaving behind Australian Medicare benefits, so it's essential to take out working holiday travel insurance before you head off overseas.

Whether you're headed to Canada on the IEC program to work the snow season, teaching English in Southeast Asia, volunteering in Africa, or working at a summer camp in the United States, a working holiday is a fantastic way of sustaining your travels or topping up your bank account for your next overseas adventure. 

Fast Cover’s working holiday travel insurance provides cover from one day up to one year initially, with the option of extending your policy up to two years if you're having too much fun overseas or want to keep working and travelling!

What are the benefits of working holiday travel insurance?

Every working traveller has different priorities, but some of the main benefits you might want to look for in a travel insurance policy for your working holiday include:

  • 24 Hour Emergency Medical Assistance
  • Overseas Emergency Medical and Hospital Expenses
  • Emergency Evacuation and Repatriation Expenses
  • Cover for Luggage and Personal Belongings
  • Medical screening available for your medical conditions.

Remember that it's important to compare the different benefits and exclusions when shopping around for a travel insurance policy for your working holiday, not just the price.

Fast Cover offers several different levels of cover for you to choose from so you can cover all the things that are most important to you without blowing your travel budget:

  • Basics
  • Standard Saver
  • Comprehensive
  • Snow Sports Plus
See the benefits tables below for more details about what each policy offers:

Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions 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.


Medical Benefits

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

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)

 $20,000 $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

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^

sub-limits:

 ––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

 $50 $50 $50

Accidental Death

Travellers Aged 80 to 89:
 ––– $25,000
$20,000		 ––– $25,000
$20,000		 $25,000
$20,000		 $25,000
$20,000

Accidental Death for travellers up to age 79

 $25,000 $25,000 $25,000 $25,000

Accidental Death for travellers aged 80 - 89

 $20,000 $20,000 $20,000 $20,000

Accidental Death of a Dependant (per Dependant)

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

Permanent Disability^

Travellers Aged 80 to 89:
 ––– ––– ––– $50,000
$20,000		 $50,000
$20,000		 $25,000
$20,000

Permanent Disability for travellers up to age 79

 $50,000 $50,000 $25,000

Permanent Disability for travellers aged 80 - 89

 $20,000 $20,000 $20,000

Permanent Disability of a Dependant (per Dependant)

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

Loss of Income^

sub-limits:

 ––– ––– ––– $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

sub-limits:

 ––– Unlimited $25,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

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

Close Relatives that do not meet Close relative conditions

 $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

sub-limits:

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

Close 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

sub-limits:

 Optional
up to $2,000		 $7,500 $5,000 $15,000 $15,000 $15,000

Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (per item)

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

Mobile phones (per item)

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

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 unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items.

$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

sub-limits:

 ––– $5,000 Optional
up to $8,000		 Optional
up to $8,000		 Optional Optional

Return of Rental Vehicle

 $500 $500 $500 $500 $500

Travel Delay Expenses

sub-limits:

 ––– $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

sub-limits:

 ––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

 $100 $100

COVID-19 Benefits

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

COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)

 $20,000 ––– $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

COVID-19 Trip Cancellation & Disruption

––– $3,500 $3,000 $5,000 $5,000 $5,000

Who should get working holiday travel insurance?

If you're a digital nomad or business traveller, working internationally is probably a regular part of your job. Otherwise, perhaps you just want to experience living and working in a different country, or add impressive skills to your resume by getting a job, internship, or volunteering overseas.

Travellers of any age who plan to go overseas for a week, month, or up to two years can get working holiday travel insurance with Fast Cover. 

You can have cover regardless of the type of work you’ll be doing, including for office work, teaching, nursing, trades, hospitality, retail, conservation, farm work and also volunteering.

Cover is available for both the times that you’re working as well as your days off and any travel in between!

Fast Cover's working holiday travel insurance is ideal if you're:

  • Working the snow season at a ski resort on the International Experience Canada program
  • Working as a camp counselor or guide at an American summer camp
  • Taking advantage of the Youth Mobility Scheme in the United Kingdom for up to two years
  • A backpacker who plans to pick up odd jobs here and there while travelling
  • Working remotely on your own business while travelling
  • A student taking an internship or overseas work placement opportunity
  • Going on a business trip or attending a conference overseas
  • Taking advantage of an ancestry visa
  • A dual passport holder visiting another country
  • Volunteering overseas

No matter where you're headed or what kind of work you're doing, we've made buying travel insurance for your working holiday as fast and simple as possible.

Why do I need working holiday travel insurance?

There are a few steps involved in finding the travel insurance you need for your working holiday.

We've put together a list you can follow to understand how travel insurance will assist you on your trip:

 

1) Read the Consular Services Charter before you leave

The Consular Services Charter explains the way in which the Australian Government can assist you while you’re overseas, as well as the areas where their assistance is limited.

They recommend you travel with comprehensive travel insurance including emergency medical and hospital cover, as medical costs overseas can be extremely high.

2) Check whether you’re covered by your employer

If you’ve already organised employment overseas, check if your employer provides insurance and what this insurance covers. You may still require your own insurance for medical expenses, theft and damage to belongings and cancellations to travel plans.

You may also find that your employer's insurance only covers you while you're on the clock. They may not cover you if you get injured or something happens during your days off.

3) Know what activities you might do overseas

There are so many activities you can do overseas, but some of these may not be covered by travel insurance.

For example, if you’re injured in a motorcycle accident or fall and break a bone while horse riding, you must have these activities covered by your insurance to be able to make a claim. If they’re not covered, you’ll have to personally foot the bill for any medical costs which can be in the hundreds of thousands of dollars.

To make it fast and simple for you, Fast Cover covers a huge list of non-contact activities including bungee jumping, snorkelling, hiking and horse riding.

If you want to do more adventurous activities like quad biking, trekking above 3,000 metres and under 6000 metres or walking the Kokoda Trail, our Adventure Pack add-on will make sure that you don’t miss out.

Optional extras for travel insurance

Rental Vehicle Excess Insurance

If you’re planning on hiring a car or campervan so you’re more mobile while you’re overseas, you can choose Rental Vehicle Excess Insurance of $5,000 or $8,000.

This provides cover for the excess the rental company would charge you in the event of an accident or damage to the vehicle, up to the specified amount.

If you're hiring a car within Australia we've already included Rental Vehicle Excess up to $5,000.

Adventure Pack

We cover a huge list of non-contact sports and activities like horse riding, snorkelling, indoor rock climbing and safari. But if you plan on more adventurous activities such as abseiling, quad biking, skydiving, or trekking above 3,000 metres, make sure you add on our Adventure Pack so you’ll be ready for action!

Motorcycle Pack

Riding a moped, scooter or motorcycle is a fantastic way to see the sights on your days off. Add the optional Motorcycle Pack to your policy, make sure you comply with the licensing requirements and you're ready to go!

Increased cover for High Value Items:

If you’re going to be working overseas for a long period of time, you're probably taking more valuable items than the average backpacker or holidaymaker. These may include things like laptop computers, tablets, GoPro cameras or video recording equipment.

Our policies provide generous limits on the things that you take on your travels.

If you've got a valuable item and want to make sure you have extra cover for it, you can specify it as a High Value Item on your insurance certificate by paying an additional amount when you purchase the policy.

Specifying High Value Items on your travel insurance policy also 'locks in' their current value, so there's no depreciation applied if you need to make a claim for a lost, stolen or damaged item.

Optional cover for skiing, snowboarding and snow sports:

If you’re going to be skiing, snowboarding, or working at a ski resort, choose our Snow Sports Plus policy.

It has all the top benefits of our Comprehensive policy, as well as cover for emergency medical evacuation and hospital expenses if you're injured on the slopes, plus cover for your snow gear and equipment and reimbursement for piste closure due to bad weather.

There's also cover for prepaid lift passes or the unused portion of your ski package if you get sick or injured and can't continue skiing.

Travelling together on a working holiday?

If you’re travelling with a partner, spouse, friend or relative, you can save by getting a working holiday travel insurance policy together.

Travellers on a Duo policy get a 5% discount and 50% off your excess reduction compared to if you each bought separate single policies.

Why choose Fast Cover travel insurance for your next working holiday?

Fast Cover’s working holiday travel insurance is designed to cover you in many of the different situations and emergencies you might experience while working overseas.

You can travel knowing that you can have cover if an emergency does occur, and also access to prompt and professional help from our 24 hour Emergency Assistance team.

They’re available 24 hours a day, 7 days a week, 365 days a year, anywhere in the world.

Compare our working holiday travel insurance and you’ll find that we may be able to provide you with a competitive price for great cover.

It’s affordable travel insurance made fast and simple!

Things you need to know

^ Price as at 27/10/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.