I’m travelling for about a month before I enter Canada. What type of policy do I take out?

You have 2 options:

Option 1

You can purchase a policy that starts when you leave Australia for a 2 year period. However, as you are travelling for a month before entering Canada on your working holiday, you are likely to be issued a 23 month visa as opposed to a 24 month visa. This is because you are given the visa based on the duration of your travel insurance.

Option 2

You can purchase two policies and there are two options:

Option 2A

You purchase both policies while you are still in Australia

a. First policy for your 1 month travel prior to entering Canada

b. Second policy for the IEC visa. The start date of this policy must continue directly from your first policy. You do not need an Already Overseas policy because you have purchased the policy while you are still in Australia.

Option 2B

You purchase the second policy after you have already left Australia

a. First policy for your 1 month travel prior to entering Canada. This policy is purchased while you are still in Australia.

b. Second policy for the IEC visa. The start date of this policy must be a maximum of 14 days from the end date of your first policy. This policy is an ‘Already Overseas’ policy because you have purchased it after you have left Australia, which is subject to a 48-hour waiting period for all benefits and a $500 fixed excess for all claims.

Note: 

If you purchase both policies after you have already left Australia, you will need to purchase Already Overseas policies for each of the trips, which is subject to a 48-hour waiting period for all benefits and a $500 fixed excess for all claims. Other eligibility requirements apply.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).