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As we mentioned in the chapter on Budgeting for a working holiday, travel medical insurance is required, or at least recommended, for many WHV destinations. To take a few popular examples, if you are going to
- Australia, insurance is recommended but not mandatory.
- Canada, proof of insurance is mandatory upon initial entry into the country.
- France, proof of insurance is mandatory at the time of visa application.
- Japan, insurance is recommended but not mandatory.
- New Zealand, proof of insurance is mandatory upon entry (exempt: nationals of Ireland, Japan, Malaysia, and the UK)
- South Korea, proof of insurance is mandatory at time of visa application
- the United Kingdom, private insurance is not required, as you already have to pay £776 for a year of NHS coverage as a part of your visa application.
You should purchase coverage for the duration of your planned stay abroad, or at least for the duration of the visa that you are are applying for.
It is important to be insured because accidents can happen to anyone, even to those who are young and perfectly healthy.
Having insurance can save you a lot of money. Healthcare costs are high for people who are not covered by local public insurance, and you can quickly find yourself with a hefty doctor’s bill for a minor health issue. Some working holiday makers have had serious accidents without insurance, and their debts have run into thousands of dollars.
For more information about insurance, read FAQs about working holiday travel insurance, which includes answers to common questions like:
- What exactly is travel medical insurance and what does it cover?
- When do I need to buy health insurance?
- Does my WHV destination require insurance?
- What am I looking for in an insurance policy?
- Can I use the travel insurance that comes with my credit card?
- Their policy has zero excess/deductible, which is the most generous form of reimbursement.
- Unlimited coverage of medical expenses and hospitalisation in your WHV country*.
- Tourism outside of your WHV country is covered up to €150,000 worldwide with no limit on duration of travel.
- Emergency medical expenses are covered during visits to your home country, for up to 30 days and €150,000.
- Scuba diving and on-piste skiing and snowboarding are covered.
- In the unlikely event that your application is rejected, you can request a full refund** for your policy.
- Refund** on unused months if you decide to end your working holiday early and go back to your home country (as long as you have a minimum of two months left on your policy).
Click here to learn more or get a quotation.
*Except destination France, which is capped at €150,000.
**Minus a €20 administrative fee.
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