Travel insurance for travellers on a working holiday
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!
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.
Regardless of the type of work you’ll be doing, you can be covered. This includes office work, teaching, nursing, trades, hospitality, retail, conservation, farm work and also volunteering.
You’ll be covered 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 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 Medical Assistance
- Overseas Emergency Medical and Hospital Expenses
- Emergency Evacuation and Repatriation Expenses
- Cover for 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:
- Standard Saver
- Snow Sports Plus
See the benefits tables below for more details about what each policy offers: