• Working holiday travel insurance may help support travelers combining temporary work and travel abroad, such as au pair placements or conservation work.
• AXA Travel Protection plans can offer coverage for trip cancellation, trip interruption, and emergency medical expenses during extended trips.
• Travelers may choose optional benefits like Cancel for Any Reason or pre-existing medical condition coverage for an additional premium.
   

Working holiday travel insurance is specially designed to provide coverage for individuals who plan to work while traveling abroad. This type of travel insurance can help protect travelers engaging in bar work, conservation work, fruit picking, or other manual labour across various countries.

When you're combining work and travel, unexpected events such as accidents, illness, or trip interruptions might be more complex. A working holiday travel insurance plan can offer cover for medical treatment, personal liability, and travel-related disruptions, helping support your travel plans from departure to return home.
 

Why Consider Working Holiday Travel Insurance

A working holiday allows you to explore the world while gaining practical experience through roles like fruit picking, bar work, conservation work, or au pair placements. These jobs often involve manual labour, exposure to wild animals, or unfamiliar working environments. For travelers on an extended trip abroad under a working holiday visa, preparing for such uncertainties is essential. , all of which may increase the risk of accident, injury, or illness.

Unlike a standard travel insurance policy focused on leisure time, working holiday travel insurance is specially designed to provide cover for the unique demands of working abroad. It may assist travelers navigating visa application steps, job placements, or changing locations across the country. Whether you're taking a gap year, traveling as a digital nomad, or volunteering overseas, having appropriate coverage in place can help support your overseas experience. Reviewing plan benefits, limitations, and cost before you buy cover ensures you're ready for your trip.

What AXA Travel Protection Plans May Include

AXA Travel Insurance offers four travel protection plans - AXA Bronze Plan, AXA Silver Plan, AXA Gold Plan, and AXA Platinum Plan. Each of these plans may be a combination of insurance benefits and travel assistance services that are relevant for travelers embarking on working holidays. Coverage amounts and included features vary by plan, allowing travelers to select the option that aligns with their trip duration, destination, and work-related activities.

Below are some of the travel insurance and non-insurance benefits that may be included, depending on the plan selected.
 

Travel Insurance Coverage May Include

AXA travel protection plans include travel insurance benefits that may help with unexpected costs during a working holiday. These benefits vary by plan level and are designed to support travelers facing different issues while abroad. Here are some important coverages.

Emergency Medical Expenses: Jobs involving manual labour or exposure to wild animals can increase the risk of injury or illness. Emergency medical expenses help with eligible medical expenses, including hospital stays, treatment for injury or illness, and emergency care.

Emergency Evacuation & Repatriation: If you are seriously injured or ill while abroad and your location lacks adequate medical care, emergency medical evacuation coverage may arrange and pay for evacuation to the nearest suitable hospital or transport back to your home country.

Trip Cancellation and Trip Interruption Coverage: Plans may offer coverage for prepaid, non-refundable expenses if you need to opt for trip cancellation before departure due to a covered reason. If you need to cut your trip short and return home unexpectedly due to a covered event, trip interruption coverage may reimburse unused portions of your trip and additional transportation costs.

Trip Delay: If your trip is delayed due to weather, mechanical issues, or other covered reasons, the trip delay benefit may reimburse costs like meals or temporary lodging. Delays can affect visa application timelines or arrival at your working holiday job.

Baggage and Personal Effects Coverage: Moving between jobs or staying in different types of accommodation during your working holiday can put your personal effects at risk. If your luggage is lost, stolen, or damaged while abroad, this benefit may provide reimbursement for your belongings, including clothing, electronics, or work equipment.

Missed Connection: If a covered delay causes you to miss a connection, the missed connection benefit may reimburse additional costs to reach your destination, useful for multi-leg travel to remote working locations such as animal sanctuaries or farms.
 

Travel Assistance Services May Include

These non-insurance features are available to help manage emergencies and travel disruptions. While they are not part of your travel insurance coverage, they can offer valuable coordination and logistical support. AXA’s My Trip Companion (MyTC) app also provides access to trip resources, travel alerts, and assistance contact details during your journey.

Emergency Evacuation Arrangements: Assistance providers can help organize transport to a suitable medical facility if you're injured or ill in a remote area.

24/7 Multilingual Support: Support staff can assist with language barriers, lost documents, or coordinating services, available anytime, anywhere in the world.

Help Locating Healthcare Providers: If you need medical care, travel assistance staff can help connect you with local clinics or hospitals, including in rural or unfamiliar areas.
 

Add On Coverage May Include

AXA Travel Protection plans may also offer optional features and specialized add-ons that can enhance your travel coverage during a working holiday. These benefits are not included in all plans and may require an additional premium at the time of purchase. They are especially useful for travelers with more complex travel plans or specific needs during an extended trip abroad.

Cancel for Any Reason (CFAR): This optional upgrade allows you to cancel your trip for a reason not listed under standard trip cancellation coverage and receive up to 75% reimbursement of your non-refundable costs. To be eligible, CFAR must be added soon after your initial trip payment and is available on select plan levels. This may be helpful if your visa application is denied or if your work placement abroad falls through unexpectedly.

Pre-Existing Medical Conditions Waiver: If you have a pre-existing medical condition, select a travel protection plan that may offer a waiver of the exclusion if you purchase the plan within a specified time frame. This add-on can help provide cover for conditions that would normally be excluded and is especially important for long-term travelers or those working abroad in remote environments where consistent care is needed.

Rental Car Collision Damage Waiver: Travelers who plan to rent a car while working abroad, such as during conservation work or travel between job sites, may opt to include this add-on. It may help cover costs related to damage or theft of a rental car during your trip. Collision damage waiver is not available on all plan levels and must be selected during plan purchase.
 

Who Can Apply for Working Holiday Travel Insurance

Working holiday travel insurance is generally intended for individuals planning to travel and work abroad under a valid working holiday visa. Applicants are typically required to be at least 18 years old, though upper age limits can vary depending on the destination country and the specific policy, sometimes extending to age 30, 35, or even 65.

To buy a cover, travelers usually need to provide details such as their trip dates, country of travel, and total trip cost. Consider completing the purchase before departure. Eligibility may also depend on factors like current residency, planned jobs, and working environments. Since coverage, deductibles, and limitations differ by plan, it's important to review each option carefully to ensure it supports your travel plans and complies with visa application requirements.

General Things to Know About Working Holiday and Travel Insurance

Before starting your working holiday, it’s helpful to understand how travel insurance may support your journey. Whether you’re taking part in manual labor, voluntary work, or exploring life as a digital nomad, here are a few things to keep in mind when planning your extended trip abroad:

• Understand Visa and Work Requirements: A working holiday visa is commonly required, but requirements can vary. Some countries may have specific conditions for types of temporary employment, manual work, or volunteer roles.
• Review What May Be Covered: Coverage can differ between plans. It’s useful to check what may be included, such as medical expenses, personal liability, and support for lost insurance documents.
• Consider the Nature of Your Work: Travelers planning roles in remote areas or animal sanctuaries might look into whether their working environment is addressed in the policy.
• Check Plan Terms Carefully: Reviewing any deductibles, limitations, or possible need for an additional premium may help ensure the plan fits your intended travel plans.
   

FAQs

1. Can I extend my travel protection plan if I decide to travel longer?

Extensions may be possible before your original plan expires, depending on your plan type and eligibility. If your extended trip abroad continues beyond the original end date, check the terms before departure or contact your travel Insurance support for options.

2. Are high-risk or adventure activities covered?

Coverage depends on the activity and plan. Some working environments, like jobs involving wild animals or climbing above two storeys, may be excluded or require additional coverage. Review plan documents for specific exclusions.

3. Can I buy coverage if I’ve already started my trip?

Most travel protection plans must be purchased before you leave your home country. If you're already abroad, coverage may not be available. Consider securing your travel insurance early in your travel plans.

4. Can I cancel my plan and get a refund if my trip changes?

You may be eligible for a refund if you cancel your plan within a specified review period and haven’t filed a claim or started your trip. Refund eligibility varies by plan.