Am I covered by Travel Insurance if I'm on a working holiday?

This information is for residents of Helpdesk Global only.

Cover may be available for working holidays. As we’ve recently changed our insurer, please select the date you bought your policy for more information:

Policies purchased on or after 1 Nov 2018 (GMT)

Policies purchased before 1 Nov 2018 (GMT)
 

For policies purchased on or after 1 Nov 2018:

When you have the appropriate working visa for the country you plan to work in and the appropriate qualification, certification or license for that work (where applicable), cover may be available for:

  • Non-manual paid or volunteer work, e.g. childcare, teaching and administrative.
  • General manual paid or volunteer work, e.g. retail, bar or hospitality (NOT including use of mechanical and industrial machinery and/or working at a height exceeding 2 metres above ground level).
Special conditions and exclusions apply to certain work activities and you may be required to pay an additional premium.

What you need to do

When getting your travel insurance quote, list ‘working’ then choose the work activity that you plan to do, e.g. administration, retail, hospitality, manual.
You must add all the adventures and activities you plan to try on your trip when you buy it. You won’t be able to make changes after your policy is issued.
Work is defined as any work, including work placements, incidental work, volunteer work and work experience, paid or unpaid.
Will you be working with animals? If so, do let us know so we can confirm whether or not there’s cover available.

How it works

If something happens while at work and you are in need of medical evacuation or if you are hospitalised and incur emergency medical expenses abroad, contact our 24/7 Emergency Assistance team immediately and you must maintain contact with them until you no longer require treatment or assistance.

What’s not covered

The policy isn’t designed to cover everything so do take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details so there are no surprises if you need to use it.
Here are some of the main things that aren’t covered:
  • Personal liability while you’re working (including volunteer work);
  • Work with machinery or heavy/industrial equipment;
  • Work at a height above 2 metres;
  • Work on offshore and underground, including in caves;
  • Work as a ski, snowboard or diving instructor or guide;
  • Work as a guide where ropes or other specialist climbing equipment is required;
  • Work involving hazardous activities;
  • Anything listed in the General Exclusions, Specific Exclusions or any other exclusion in the policy.

Note: For policies purchased on or after 1 August 2019, your World Nomads policy is underwritten by XL Catlin Insurance Company UK Limited. For policies purchased between 1 November 2018 and 31 July 2019, your World Nomads policy is underwritten by certain underwriters at Lloyd’s.

 

For policies purchased before 1 Nov 2018:

When you have the appropriate working visa for the country you plan to work in and the appropriate qualification, certification or license for that work (where applicable), there’s cover for:

  • Non-manual paid or volunteer work, e.g. childcare, teaching and administrative.
  • General manual paid or volunteer work, e.g. retail, bar or hospitality (NOT including use of mechanical and industrial machinery and/or working at a height exceeding 2 metres above ground level).

What you need to do to be covered

All you need to do is list ‘working’ then choose the work activity that you plan to do, e.g.professional, retail, hospitality, manual, etc. when getting your quote so you’ll be covered. Easy! Restrictions apply to certain work activities, so be aware of this.

You must add all the adventures and activities you plan to try on your trip when you buy it. You won’t be able to make changes after your policy is issued. 

Work is defined as any work, including work placements, incidental work, volunteer work and work experience, paid or unpaid.

Will you be working with animals? If so, do let us know so we can confirm whether or not there’s cover available.

How it works

If something happens while at work and you are in need of medical evacuation or if you are hospitalised and incur emergency medical expenses abroad, the Emergency Assistance Service  must be notified immediately and you must maintain contact with them until you no longer require treatment or assistance.

What’s not covered

The policy isn’t designed to cover everything so do take the time to read the terms and conditions in the Policy wording for full details, limits to cover and exclusions so there are no surprises if you need to use it.

Here are the main things that aren’t covered:

  • personal liability while you’re working (including volunteer work)
  • work with mechanical or industrial machinery;
  • work at a height above 2 metres
  • work on offshore installations;
  • work as a ski, snowboard or diving instructor or guide;
  • work as a guide where ropes or other specialist climbing equipment is required;
  • work involving hazardous activities;
  • anything listed in the General Exclusions

Note: For policies purchased before 1 Nov 2018, your World Nomads policy is backed by Millstream.

Get a travel insurance quote for your next trip

Last Updated: Nov 14, 2018 02:54PM AEDT