Am I covered if I go on a Working Holiday?

Cover may apply while you are undertaking limited paid or unpaid work overseas, provided the work is not excluded and fits within the types of employment allowed under the policy. This generally means non manual, low risk work such as hospitality, retail, office or similar roles. Certain types of work are not covered, including heavy manual labour, hazardous occupations, or work involving higher risk activities, machinery, or dangerous environments, as outlined in the PDS. Please note this is only general information about which type of work may be covered or excluded and does not address your personal work circumstances.

You will generally have access to the same benefits as other travellers, such as cover for overseas medical emergencies, trip cancellation, and luggage, within the limits of your chosen policy.

It is important to understand that the policy does not cover everything related to working overseas. For example, there is no cover for loss of income if your job ends early, or for work-related liability. Cover is also not provided for professional sporting activities or high-risk employment.

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.