What’s covered
There’s cover while on your working holiday but only when you have the appropriate working visa and/or are allowed to work under the local laws of the country you are working in.
Be sure to choose the right plan depending on what you’ll be doing so you’ll be insured while working.
| Level | Work type |
|---|---|
| Level 1 (automatic under both Standard and Explorer) | Non-manual work Non-manual work, which is any professional, clerical or administrative work involving light duties only, including for example a classroom teacher or assistant, au pair, nanny or child minder; or |
| Level 2 (Additional premium required) | Manual work Manual work, which is general work other than non-manual work. Manual work includes for example general cleaning, maintenance, bartending, WWOOFing (participating in World Wide Opportunities on Organic Farms) and general farmhand activities. |
How it works
Will you be working with animals? If so, do let us know so we can confirm whether or not there’s cover.
You must wear protective clothing as specified by your employer or local government regulation and you must be trained and/or licensed to operate machinery and/or to work at height (i.e. above ground level e.g. using ladders).
If something happens while at work and you need medical evacuation or if you are hospitalised and incur overseas medical expenses, you must contact the Emergency Medical Assistance team as soon as possible for assistance and to arrange and pre-approve all expenses.
In the event of a claim for medical expenses you must notify the insurer of any insurance cover you have through your employer or under any workers' compensation act.
What’s not covered?
The policy isn’t designed to cover everything. Take the time to read the terms and conditions in the policy wording for full details, limits to cover and exclusions. That way there are no surprises if you need to use it.
Here are the main things that aren’t covered:
- Any personal liability expenses which concern or are incurred as a result of: 1. claims arising out of or incidental to your business, employment or work; OR 2. physical injury to any co-worker.
- Any on-going medical expenses once you return to your home country.
- Anything else that’s listed in the Section Exclusions and specific exclusions in the policy wording.
Related Articles
View more
Can't find the answer you are looking for?
Contact usOur contact details
We’re here to help if you have a question about travel insurance. We’re available:
- Monday to Friday 9:00am - 5:00pm (Ireland time)