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 Travel Insurance?
- Why should you take out Travel Insurance?
- Why insure specifically during a working holiday?
Applying for the travel insurance
- Read more on 'How to apply for a travel insurance through JoHo'?
- Ask JoHo Foundation for free advice about suitable insurances for Work and Travel
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.