Working while traveling is a great way to travel for a long time without breaking the bank. There are always jobs you can do as a traveler. Be it; fruitpicking, waiting tables, cleaning hostels or working in an office.
However, just like at home there is always something that can go wrong during your time abroad. Such as sickness, accidents, stolen luggage and of course things that can go wrong back home. If you have the right travel insurance it will help you financially and offer help when you need it. On this page you can read how you can make sure you’re properly insured during your time abroad.
Knowledge And Selection Guide For Work And Travel
- Why should you take out Travel Insurance?
- Why insure specifically during a working holiday?
- Which insurance is suitable for Work and Travel?
- Are there alternative insurances in certain activities or work?
- Why take out insurance through JoHo?
- How to apply?
Why Should You Take Out Travel Insurance?
There are a few important reasons to take out travel insurance:
- The chance of getting injured or ill is generally a little bit higher than when you would have stayed at home. The medical care you will need can be very expensive, even more so if you are treated in a private clinic.
- If you have fly back because of family circumstance, the flights might be more expensive because you have to fly on short notice.
- You might have to deal with the damage, loss or theft of your luggage.
In case of emergency it can be difficult to figure out what to do. A good travel insurance will have an assitance team on standby for you 24/7 and will be able to tell you what steps to take.
Why take out insurance specifically for work and travel?
- Depending on your home country, it might be that your health insurance does not offer any coverage if you need treatment abroad.
- It might also be that your health insurance doesn't provide cover during work.
- Regular travel insurances ususally don’t cover you during work.
Is It Wise To Take Out A Health Insurance In The Country I Visit?
Sometimes it might be possible to take out health insurance if you start working in a country. Sometimes it might even be mandatory and required by law. However a local health care insurance has a few disadvantages that are relevant to you as a traveler. Generally speaking there is no cover for:
- Repatriation to your home country for medical reasons.
- Repatriation to your home country because of family circumstances.
- Repatriation to your home country after death.
- Cost of relatives visiting in case you are seriously ill or injured and not able to travel home.
- Before and after completion of the work.
- Travel outside of the country your working in.
- The return trip.
Because of the reasons mentioned above it is always a good idea to take out travel insurance and consider a local healthcare insurance as an extra cover.
Advice
Which Insurance Is Suitable For Backpackers And Long Trips Abroad?
Best Choice : World Nomads
- Coverage for trips of up to 12 months, with extensions possible.
- Covered during work, volunteering and study.
- Suitable for almost all nationalities.
- Coverage during adventure sports and activities.
- Claims can be filed online while you travel.
- Good cover for medical care, accidents, luggage, third party liability and many extra’s such as trip-cancelation, travel delay and missed flight connection.
The insurance offers two typs of coverage:
- Standard Cover for non-manual work such as office, hospitality, teaching care-giving and retail.
- Explorer Cover includes physical labour that involves machinery and working with your hands such as; fruit picking, hair-dressing, construction or work in a factory assembly line.
Find out more about the World Nomads insurance
Alternatives
Are you going to work as a diving instructor? Find out more about the DAN Europe Insurance
Other alternatives & activities
At the moment JoHo does not offer any other suitable insurances for backpackers that want to work. However, if you wish to apply for permanent residence and a full time job, JoHo offers multiple expat insurances and international health care insurance. For our complete offer see the international health care insurance section.
Applying For The Insurance
Why Take Out Insurance Through JoHo?
Specialized: in emigration, work, internships, study and travel abroad.
Service: JoHo offers multiple travel insurances by multiple companies and extensive experience and support in case of problems with insurers. As well as advice and fast and personal handling.
Safe: JoHo is recognized as a trustworthy intermediary for insurances.
JoHo believes that you should be able to choose from the best, most economical and most specialized (travel) insurances available and shapes the offer accordingly.
Plus
By taking out your insurance through JoHo, you also assure someone else of a better life. The premium you pay for your insurance is used to fund the JoHo World Supporter projects.
How To Apply?
You can get a quote and apply online for the World Nomads insurance.
