Working Holiday Travel Insurance from $1.64/day↟ | Fast Cover

Domestic

All of Australia including Lord Howe Island, Thursday Island, Christmas Island, Cocos Island and Norfolk Island

Not included

Pacific

Bali, Indonesia, New Zealand & South Pacific. (Choose Worldwide for Hawaii)

Not included

Asia

All Asian countries except Japan. (Choose Worldwide for Japan)

Not included

Europe

All European countries
(including Turkey) and the Russian Federation.

Not included

Worldwide

All countries including North & South America (including Hawaii), Japan, Middle East, Africa & Antarctica.

Not included
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Cover for an unlimited number of trips over a 12 month period*.
Available to travellers 59 and under.

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Working Holiday Travel Insurance

Thousands of Aussies go overseas every year and work while they travel. For some, working internationally is part of their job. Other Aussies add impressive skills and experience to their resume by getting a job overseas, whether that’s volunteer work or paid work.

Getting a job while travelling is also a fantastic way of gaining income to put towards your overseas adventure. But as with any time you travel overseas, may leave behind Medicare and your private health insurance. That’s why Fast Cover have Working Holiday Travel Insurance.

Fast Cover’s Working Holiday Travel Insurance provides cover for from one day up to 12 months to Australian travellers who plan on being employed while they travel.

After a year, you can extend your cover for another twelve months giving you two years of cover. Perfect for a two year working holiday visa!

Whether you’re going to the United Kingdom to work, doing a ski season in Canada or doing volunteer work in Africa, you can get Working Holiday Travel Insurance to cover you. Working Holiday Travel Insurance provides you with cover for yourself, your belongings and your money so that you have support should you experience an emergency while overseas.*

Who should get Working Holiday Travel Insurance?

Travellers of any age who plan to go overseas for a week, month or even a year and work either as an employee or a volunteer can get Working Holiday Travel Insurance. 

Get a quote from Fast Cover if you’re: 

  • A student who will work while studying overseas
  • Going to live in the United Kingdom for a while
  • Doing a snow season
  • A backpacker who plans to work while travelling
  • Volunteering overseas
  • A digital nomad
  • Working for yourself while travelling overseas
  • Going on a business trip overseas
  • A working holiday maker visa holder
  • Taking advantage of an ancestry visa
  • Dual passport holder visiting another country

We make it simple, so 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. 

Travel Insurance checklist for a working holiday

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

This Charter tells you how the Australian Government can protect you while you’re overseas and the areas where their assistance is limited. They recommend you travel with comprehensive travel and medical insurance, 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 you have insurance and what this insurance covers. You may still require insurance for medical expenses, theft and damage to belongings and cancellations to travel plans.

3. Know what activities you might do overseas

There are various activities you can do overseas which may not automatically be covered for in travel insurance policies. For example, if you’re injured as a result of bungee jumping, white water rafting or 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 foot the bill for medical costs which can be in the hundreds of thousands of dollars. To make it fast and simple for you, Fast Cover automatically covers 35 activities including bungee jumping, white water rafting and horse riding.*

If you want to do more adventurous activities like deep sea fishing 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?

You can be sure you, your belongings and your money are protected for the length of your trip with our Working Holiday Travel Insurance.*

Different Policies, Same Great Unlimited Cover*

There are three policies to choose from:

  • Standard
  • Comprehensive
  • Comprehensive Snow

 

All provide you with Unlimited Emergency Medical Assistance* and Unlimited Hospital Expenses* so that if you’re sick or injured overseas you know you've got cover.*

You also have Unlimited Cancellation Cover* so that you won’t be left out of pocket if your transport is unexpectedly cancelled for reasons outside of your control.*

Increase cover for your special items

Our policies provide for generous standard limits on the things that you take on your travels. However, if you’ve got a valuable item and want more cover for it, take out our Comprehensive or Comprehensive Snow policy and you can increase the cover for those items up to a maximum of $1500 each (maximum of 3) by paying an additional premium.

Snow skiing and boarding

If you’re going to be skiing or snowboarding you can choose our Comprehensive Snow policy which has all the benefits of our Comprehensive policy while also covering the snow sport gear you travel with and any medical expenses arising from an injury on the slopes.

See the Benefits Table for more detail into what each policy offers.

Medical Benefits

Medical Only Domestic Standard Comprehensive Comprehensive Snow Multi Trip

Overseas Emergency Medical Assistance^

sub-limits:

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 Assistance^

sub-limits:

$40,000 ––– $40,000 $40,000 $40,000 –––

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

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

Overseas Emergency Medical Assistance^

sub-limits:

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

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

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

Overseas Emergency Medical Assistance^

sub-limits:

Unlimited
$40,000
––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
–––

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

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

Overseas Emergency Medical Assistance^

sub-limits:

Unlimited
$30,000
––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
–––

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

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

Overseas Emergency Medical Assistance^

sub-limits:


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

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^

sub-limits:

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

$40,000 ––– $40,000 $40,000 $40,000 $40,000

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

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

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

Unlimited
$40,000
––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

Unlimited
$30,000
––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
–––

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Hospital Cash Allowance^^

sub-limits:

––– ––– $2,500 $5,000 $5,000 $5,000

Daily Limit (per person)

$50 $50 $50 $50

Accidental Death

sub-limits:

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

Death of a Dependant (per Dependant)

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

Permanent Disability^^

sub-limits:

––– ––– ––– $25,000 $25,000 $25,000

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

Medical Only Domestic Standard Comprehensive Comprehensive Snow Multi Trip

Cancellation Fees & Lost Deposits

sub-limits:

––– Unlimited Unlimited 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

Cancellation Fees & Lost Deposits

sub-limits:

––– $40,000 $40,000 $40,000 ––– –––

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 $1,500 $1,500

Cancellation Fees & Lost Deposits

sub-limits:

––– $30,000 $30,000 $30,000 ––– –––

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 $1,500 $1,500

Cancellation Fees & Lost Deposits

Travellers Aged 80 to 89:

sub-limits:

––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
––– –––

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 $1,500 $1,500

Cancellation Fees & Lost Deposits

Travellers Aged 90 and above:

sub-limits:

––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
––– –––

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 $1,500 $1,500

Cancellation Fees & Lost Deposits

Travellers Aged 80 to 89:
Travellers Aged 90 and above:

sub-limits:

–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
––– –––

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 $1,500 $1,500

Personal Liability

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

Additional Expenses

sub-limits:

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

Resumption of Journey

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

Relatives with a Pre-existing Medical Condition

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

Luggage & Personal Effects

sub-limits:

––– $7,500 $5,000 $7,500 $7,500 $7,500

Personal computers,video recorders or cameras (per item)

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

Mobile phones (including PDAs and any items with phone capabilities) (per item)

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

All other unspecified items (per item)

$750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unoccupied vehicle during daylight hours (limit of $200 per item applies)

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

Travel Documents, Credit Cards & Travellers Cheques^^

––– ––– $2,000 $5,000 $5,000 $5,000

Alternative Transport Expenses

––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Insurance Excess

sub-limits:

––– $5,000 Optional Optional 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

Luggage & Personal Effects Delay Expenses^^

––– ––– ––– $250 $250 $250

Theft of Cash^^

––– ––– ––– $250 $250 $250

Snow Sports Benefits

Medical Only Domestic Standard Comprehensive Comprehensive Snow Multi Trip

Snow Sport Overseas Emergency Medical Assistance

sub-limits:

––– ––– ––– ––– Unlimited –––

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

$15,000

Snow Sport Overseas Emergency Medical & Hospital Expenses^^

sub-limits:

––– ––– ––– ––– Unlimited –––

Emergency Dental Expenses (per person)

$500

Own Snow Sport Equipment

––– $1,500 ––– ––– $1,500 –––

Snow Sport Equipment Hire

––– $1,500 ––– ––– $1,500 –––

Snow Ski Pack

––– $750 ––– ––– $750 –––

Piste Closure

sub-limits:

––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

$100 $100

Bad Weather & Avalanche Closure

––– $750 ––– ––– $750 –––

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. 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 table of benefits in the PDS for full details.

 

^There is no cover under these Policy Sections while travelling in Australia. There is cover under these Policy Sections while travelling on a domestic cruise in Australian waters where you have purchased Plans A, S or B (selecting Region 3) or Plan M. Refer to the "Geographical Regions" section of this PDS for details (pages 12 to 13). ^^ There is no cover under these Policy Sections while travelling in Australia - refer to the "Geographical Regions" section of this PDS for details (pages 12 to 13).

Travelling together on a working holiday?

 If you’re travelling with someone else (related or not) and will both be getting a job, volunteering or working while overseas, you can get a Working Holiday Travel Insurance policy together.

You also save when you get Working Holiday Travel Insurance together, you’ll get a 5% discount and 50 % off your excess reduction.6

Add-On Packs

Adventure Pack add on

35 activities are automatically covered in our Working Holiday Travel Insurance including bungee jumping, snorkelling, safari and motorcycle riding. But if you plan on more adventurous activities such as abseiling, caving or tandem parachuting, add on our Adventure Pack and you’ll be ready for action.

Bicycle and Golf Pack add ons

If you want to take your bike or golf clubs on your travels, protect them with our Bicycle or Golf Pack add ons.

Golf Pack Benefits

Benefit
Own Golf Equipment

$2,000

Stolen Golf Equipment owned by you and left in a motor vehicle is only covered during daylight hours and must have been left in a concealed storage compartment of a locked motor vehicle, and forced entry must have been made. The most we will pay is $200 for each item.

$1,000
Golf Equipment Hire

$1,500
Golf Green Fees

$500
Hole in One

$250

Please note: This is only a summary of benefits. Exclusions and sub-limits apply to each cover type. For a full table of benefits please see the PDS.

Bicycle Pack add on

Benefit
Bicycles

Up to a maximum of $15,000

(per bicycle)

$5,000

Please note: This is only a summary of benefits. Exclusions and sub-limits apply to each cover type. For a full table of benefits please see the PDS.

Rental Vehicle Insurance Excess cover

If you’re planning on hiring a car so you’re more mobile while you’re overseas, you can choose Rental Vehicle Insurance Excess cover of $5000 or $8000 if hiring a car overseas or $5000 if hiring a car in Australia. We’ll then provide cover for your rental car insurance excess up to the specified amount if you damage the car.*

Why choose Fast Cover for your next holiday?

Fast Cover’s Working Holiday Travel Insurance is designed to cover you in an emergency you may experience while working overseas. You can travel with confidence knowing that you’re covered for the whole time you’re away for the important things: your health, your belongings and your money.*

If an emergency does occur you have access to prompt and professional help from our Global Assistance team. They’re available 24 hours a day, 7 days a week so you can call them from anywhere in the world at any time.

Compare our Working Holiday Travel Insurance and you’ll find that we provide a competitive price for great cover. It’s simple and affordable travel insurance.

 

↟Based on 365 day Medical Only policy to Pacific region for a single traveller 50 years old or younger with $200 excess

Wherever you’re travelling and whenever you need us, our Global Assistance Team are ready and waiting to help.

Uncapped medical & hospital cover. 3 *

Travel with confidence knowing our Emergency Medical Assistance is uncapped. 4 *

When you need us most, wherever you are in the world, our expert assistance is available 24 hours a day, 7 days a week. *

Ready to get a quote?

Frequently Asked Questions about Working Holiday Travel Insurance

  1. I'm travelling with someone, but we are departing on different dates, can we be on the same policy?

    No, travellers listed on the same policy MUST both leave on the same date. If you are departing on different dates, you MUST buy two Single policies.

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  2. Can I buy a policy while I am overseas?

    No, we CANNOT offer policies to travellers who are already overseas. Please contact Allianz Global Assistance on 02 9998 7854, they may be able to offer you a Travel Insurance policy for your specific travel requirements.

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  3. Can I buy travel insurance if I have applied for Australian residency and hold an interim Medicare Card?

    Yes, if you have interim Medicare card you can purchase travel insurance from us.

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  4. Am I covered if I go on a Working Holiday?

    Yes, you are covered for both your working and non-working hours. You would NOT be covered for Loss of Income or any loss which is recoverable by compensation under any workers for an overseas job.

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  5. Am I covered if I am doing Volunteer Work overseas?

    Yes, as long as you are not performing any dangerous activities. You should always follow the Australia Governments warning regarding traveling to unsafe places.

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Australia's most
popular destination
is NZ +

60% of overseas travel was for a holiday +

2/3 of overseas spending was for holiday +

*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 apply. #Available with our Comprehensive policies only. **No cover is provided for pregnancy, childbirth or related complications unless it is a single, uncomplicated pregnancy up to and including 23 weeks. In any event we will not pay medical expenses for regular antenatal care, childbirth at any gestation or care of the newborn child. Complications mean any secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome.

+Statistics based on 'Travel by Australians' quarterly report for June 2013, 'Tourism Industry Facts & Figures at a Glance' September 2012, Cruise Industry Source Market Report: Australia 2013 and Fast Cover Customers

1The premium paid is refunded within 14 days after you are issued your Certificate of Insurance provided you have not started your Journey and you do not want to make a claim or to exercise any other right under the policy. 3Emergency Medical & Hospital Expenses. 4Emergency Medical Assistance. 5The cover for cancellation fees and lost deposits begins from the time the policy is issued. 6Buy a Duo policy and save 5% versus the cost of two single policies. Excess reduction discount is based on the cost of excess reduction under a Duo policy versus the cost under two single policies. Duo policies do not provide cover for any dependant children. 7Your children or grandchildren not in full time employment who are under the age of 21 and travelling with you on the Journey are included at no extra charge. 8Spouse (or legally recognised de facto) and Dependants covered for free when accompanying primary policyholder. 9Based on a 0-59 year old travelling to the Pacific region for 4 weeks, Plan E Standard with an excess of $200. 10Provided you have not been hospitalised (including any day surgery or emergency department attendance) for the condition in the 24 months prior to the time of policy issue.

Need a hand?

1300 409 322
enquiries@fastcover.com.au
Fax: (02) 8252 4710

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