Am I Covered by Travel Insurance on a Working Holiday?

The 9-5 grind of work isn’t so bad if you have your toes in the sand and a fruity drink by your side. How about a lunchtime surf lesson? Yes, please! These days, you can work from just about anywhere in the world with a strong WiFi connection. For good reason, an increasing amount of people are becoming digital nomads. If you are thinking about jumping on this trend, you may want to consider what happens if something unexpected pops up like a jellyfish sting or beach-side theft.

World Nomads insurance can help protect you, even while on a working vacation or traveling somewhere to volunteer (good for you!).

Coverage includes:

• Trip Cancellation
• Trip Interruption
• Emergency Medical Expense
• Emergency Evacuation
• Baggage delay
• Theft of baggage and personal belongings

Work vacations are a great way to see the world because somebody else helps pay for your travel. If you choose volunteer work instead, you’ll find that doing good for others can be just as rewarding.

The types of covered activities for paid or volunteer work include:

• Hospitality, retail or general farm work
• Ski, snowboarding or scuba instruction
• Teaching or childcare

For a detailed list of the types of activities that we cover, check out our Activities, Sports and Adventures page. If you’re planning to teach skiing, snowboarding, or other covered activities, whether paid or volunteer, you’ll want to double check the policy limits. If your job or volunteer activity isn't listed, contact us. We'll confirm if it can be covered or not.

How it works

At World Nomads, we’ve designed our insurance for unexpected problems that arise while on a workcation or on a volunteer trip in another country.
Submitting a claim if you’ve had an accident or medical emergency while working internationally is no different to any other claim that you would make through World Nomads. You can do it online while abroad; most of the time you’ll want to let us know ASAP. You’ll also need to see if you’re covered under your employer’s workplace insurance before submitting a claim to us.

For more information on how to make a claim, check out our How to make a claim page.

What’s not covered?

First up, if you’re doing anything illegal or irresponsible, we won’t cover you. Other things that we don’t cover include:

  • Playing professional sports (this does not count as a working vacation)
  • Theft or loss of work property. Your World Nomads policy covers you; it does not cover any equipment owned by someone else. If you lose your computer issued to you by your employer, we will not cover that.
  • Pre-existing conditions. Before you travel, you’ll want to be sure you have enough prescription medicine for the whole time you are gone. Travel insurance is meant to cover unexpected events.
  • Engaging in activities that are not covered by the plan.

All this applies to volunteer and paid jobs, so it doesn’t matter whether you’re being given money to stick your head in a lion’s mouth or doing it just for fun – you won’t be covered.

This is only a summary of coverage and does not include the full terms and conditions of the policy.  It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions.  If you do not understand your coverage or if you have questions, just ask us.

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