Thousands of travellers go overseas every year on a working holiday adventure.
Whether you're headed to Canada on the IEC 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.
But travelling overseas means leaving behind Australian Medicare benefits and your private health insurance, which is why it's essential to take out a travel insurance policy before you head off on your overseas working holiday.
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 travelling.
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 add impressive skills and experience 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.
Regardless of the type of work you’ll be doing, you can be covered. This includes office work teaching, nursing, trades, hospitality, retail work and also volunteer work. You’ll be covered for both the times that you’re travelling and for when you’re working.
Fast Cover's Working Holiday travel insurance is ideal if you're:
- A student doing an internship or work placement
- Travelling to live and work at a pub in the United Kingdom
- Working the snow season in Canada or the USA
- A backpacker who plans to pick up work while travelling
- Volunteering overseas
- Working remotely on your own business while travelling
- Going on a business trip or attending a conference overseas
- Taking advantage of an ancestry visa
- A dual passport holder visiting another country
No matter where you're headed or what kind of work you're doing, we've made buying travel insurance for your work 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.
3. Know what activities you might do overseas
There are so many activities you can do overseas, but some of these may not automatically 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 automatically covers a huge list of 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 or walking the Kokoda Trail, our Adventure Pack add-on will make sure that you don’t miss out.
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 Assistance
- Emergency Medical and Hospital Expenses
- Luggage and Personal Belongings
- Cover for 43 Pre-Existing 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.
Different levels of cover to choose from:
There are several different policies to choose from:
- Standard Saver
- Snow Sports Plus
Increased cover for High Value Items:
Our policies provide generous limits on the things that you take on your travels.
However, 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.
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, 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.
See the benefits tables below for more details about what each policy offers: