Travel insurance is just that; insurance which covers you while you are on holiday, therefore, confirm the policy you are considering purchasing covers you for a working holiday.
It is wise to shop around when it comes to choosing holiday insurance. Read the fine print on different policies, compare what they cover you for and how much they pay if things go wrong. Your travel insurance should cover you for:
- cancellation fees and lost deposits incurred upon cancellation arising from unforeseen circumstances
- overseas medical, dental and emergency expenses
- emergency flight home if required
- missed connections
- hijack and kidnap
- loss, theft or damage to your luggage
- travel delay
- accidental death
- loss of income
- personal liability
- legal costs
- working holidays
Some things you should check your travel insurance includes:
- Is there a 24-hour telephone number obtainable from anywhere in the world in case you need assistance?
- Can the policy be extended for longer than 12 months if you decide to stay longer overseas?
- Are pre-existing medical conditions covered?
- What happens if you are injured and need to be flown home?
- Are goods you purchase covered?
- Will it cover personal items stolen from the hire car or accommodation?
- Can you make a claim while overseas or do you have to wait until you return home?
- Whether you are covered for participation in specific activities like whitewater rafting, sailing, winter sports, parachuting, mountaineering, etc. If you’re booked to go skiing, does your insurance cover you for piste closure when there isn’t enough snow?
- Whether expensive items like phones, cameras, video equipment, computers, etc., are covered as these aren’t usually covered in general policies.
We recommend you shop around for Travel Insurance, one we use on a regular basis is World Nomads.