Does travel insurance provide cover if I am working overseas?

Travel insurance can still apply if you are working overseas, but cover is usually limited to the benefits listed in your policy, such as overseas medical emergencies, cancellation, and luggage. The policy does not provide cover for every aspect of employment. 

There might be  no cover for loss of income if your job ends early, no cover for workplace liability, and no cover for work-related equipment or tools.  

Before travelling, it is important to review the Product Disclosure Statement (PDS) to check what is included and excluded when working overseas, and to consider whether separate business or employment-related insurance is needed. 

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.