Travel Insurance for Working Abroad
- Cancellation - Up to £5,000
- Baggage - Up to £2,500
- Disruption - Up to £750
- Medical Expenses - Up to £10 million
- Cover trips up to 18 months Online
4 Options available including:
Winter Sports Cover, Cruise Cover, Disaster & Terrorism Disruption Cover, Action Activities Cover...see all
Why Choose Able2Travel?
- Specialists in travel insurance for people with existing medical conditions
- Full Cover available for 1,000s of conditions
- Instant cover by telephone or quick and easy online screening in a few minutes
- Great value cover also available for you and everyone travelling with you
Travel Insurance for Working Abroad
Travel with peace of mind while working, travelling, or doing both abroad
Planning to pick up casual work as part of your travels? Or perhaps you're heading abroad for a temporary working holiday? Having the right travel insurance in place for your particular needs can give you reassurance, if things don't go to plan.
At Voyager Plus, our working abroad travel insurance is designed for people who want to combine travel with certain types of temporary work overseas. Whether you're taking a gap year, enjoying a career break, travelling long term or volunteering abroad, you can choose a policy to suit your trip.
Our travel insurance for working abroad provides cover for unexpected events before and during your travels. This includes cover for trip cancellation and emergency medical treatment if you become ill or injured abroad.
You can also get cover for travel problems such as delayed flights, missed departures and lost or damaged baggage..
Click below to get a working abroad travel insurance quote.
Important Details About Working While Travelling
Before you travel, check that the work you plan to do is covered by your policy. Our travel insurance while working abroad covers certain types of temporary work overseas.
| General Work | Examples that may be covered | Conditions |
| General Work |
|
|
| Hospitality & Entertainment |
|
|
| Light Agricultural Work* |
|
As long as you don't use heavy machinery |
| Supervised Conservation Work* |
|
|
| Voluntary Charity Work* |
|
There must be no financial gain |
| Supervised animal sanctuary work* |
|
You must not interact with dangerous wild animals, such as lions, tigers or other big cats |
*Personal accident cover is excluded for these types of work.
Please note:
- Personal liability is excluded for all work you choose to do during your trip. (It is considered by insurers that your employer will provide this)
- Some types of work are not covered under our travel insurance while working abroad. Click here to find out more.
What Does Travel Insurance for Working Abroad Cover?
Our travel insurance while working abroad is designed to provide cover for a range of unexpected situations during your trip, including:
Cancellation
Covers non-refundable travel and accommodation costs, including pre-booked excursions, if you need to cancel.
Emergency Medical Expenses
Covers emergency medical treatment abroad, including repatriation if medically necessary.
Baggage
Cover against loss, theft, or damage to your belongings.
Missed Departure
Covers extra travel and accommodation costs if you miss your departure.
Travel Delay
Cover if your booked public transport (plane, ship, train, coach) is delayed by 12 hours or more.
Which Travel Insurance for Working Abroad Is Right for You?
When looking for the best travel insurance for working abroad, it's important to consider the cover you need rather than simply choosing the lowest price.
It's about choosing a cover that matches your travel plans and the length of time you'll be away.
Voyager Plus offers three levels of cover, so you can choose the option that suits your trip and budget.
| Policy Highlights | Standard (£/€) |
Enhanced (£/€) |
Prime (£/€) |
| Cancellation | 1,000 | 2,500 | 5,000 |
| Baggage | 1,000 | 1,500 | 2,500 |
| Missed Departure | 250 | 500 | 750 |
| Travel Delay (per 12 hours) |
100 (20) |
200 (25) |
250 (25) |
| Emergency Medical Expenses | 5 million | 7.5 million | 10 million |
The table above shows some of the key benefits available with our working abroad travel insurance. For full details of the policy, please refer to the policy wording.
Click below to get a working abroad travel insurance quote.
What Other Travellers Say About Us
Whether you're travelling overseas to do some volunteering or embarking on a round-the-world adventure, having the right cover in place can help you travel with confidence.
That's why we aim to make arranging long stay travel insurance for working abroad as straightforward as possible.
Our commitment to customer service has helped us earn the Platinum Trusted Service Award for more than five consecutive years.
Read our customer reviews to see what other travellers have to say about their experience with Voyager Plus.
Tailor Your Working Abroad Travel Insurance with Optional Add-Ons
Every traveller has different plans for their time abroad. With Voyager Plus, you can tailor your policy with optional add-ons to suit your plans.
- Winter Sports Cover – Add this if a skiing or snowboarding holiday is part of your travel plans and you want extra cover for your winter sports activities*
- Disaster & Terrorism Disruption Cover – Provides extra cover for unplanned delays and cancellations resulting from natural disasters or terrorism.
- Cruise Cover – Add this if you're going on a cruise during your extended travel
*Off-piste skiing and snowboarding must take place within ski resort boundaries and follow local safety guidelines.
We also offer Action Activities Cover that you can add to your policy. This option extends your cover to a wider range of adventurous activities. However, you'll need to contact us to declare the activities and receive written confirmation that they are covered.
Ready to Start Your Working Holiday?
Whether you're heading off on a working holiday in Europe or further afield, having the right cover in place can help if the unexpected happens.
Ready to arrange your cover? Click the button below to get your long stay travel insurance for working abroad quote from Voyager Plus.
Travel Insurance for Working Abroad Options
Winter Sports Cover
Cover for lost, damaged or stolen ski equipment, unused ski packs and piste closure as well as extended cover for Emergency Medical Expenses for costs associated with winter sports activities.
Cruise Cover
Cover for added protection against cruise interruptions, missed port departures, and many other unexpected cruise-related events.
Action Activities Cover
Cover for adventure sports and high-risk activities such as glacier walking (over 2000m), white water canoeing/rafting (up to grade 4) and more.
Disaster & Terrorism Disruption Cover
Cover you against travel disruptions due to acts of terror, changes in FCDO/ WHO Travel Advice Restrictions and other circumstances such as volcanic ash clouds.
Frequently Asked Questions About Travel Insurance for Working Abroad
1. Who is Working Travel Insurance For?
Our working travel insurance is designed for people who want to travel overseas while undertaking certain types of temporary work.
It may be suitable for:
- Backpackers – Suitable for people travelling between different countries who plan to take temporary work along the way
- Gap Year Travellers – Ideal for people who have decided to take a long-term trip before starting university or after graduating
- Career Breakers – For those who have taken time off from work to travel for an extended period
2. Are There Any Exclusions on Working Holiday Travel Insurance?
Yes, there are some exclusions on the types of work that are covered. Our working holiday travel insurance excludes work that involves:
- hands-on use of electrical, mechanical or hydraulic equipment where it also needs to be installed, assembled, maintained or repaired
- using heavy power tools and industrial machinery
- heavy lifting
- working above two storeys or 3 metres above the ground level
- working on building or construction sites
3. Can You Get Travel Insurance While Working Abroad For 6 Months?
Yes. Our policy can cover trips of up to 18 months, depending on your age. This means you may be able to get cover for six months, subject to the applicable age limits and policy terms.
| Age | Maximum trip length (up to) | Maximum with referral (up to) |
| Up to & Including 50 years | 18 months | 24 months |
| 51 – 60 years | 12 months | 18 months |
| 61 – 64 years | 9 months | - |
| 65 – 69 years | 6 months | - |
4. Do You Need Travel Insurance for Working Overseas If You Have a GHIC?
If you're planning long-term travel in Europe, or part of your trip will be in Europe, you should consider arranging travel insurance for working overseas.
The GHIC (Global Health Insurance Card) gives you access to state-provided healthcare in the EU on the same terms as a local resident. However, there are certain things that are not covered under GHIC.
For example, if you become unwell or are injured during your trip, you may need private medical treatment. The cost of this treatment would not be covered by your GHIC.
It also doesn't cover the cost of repatriation, which means returning you home if medically necessary.
Additionally, travel insurance for working overseas covers other aspects of your trip. This includes holiday cancellation, missed departure, travel delays and lost or damaged baggage.
5. What Destinations Are Covered Under Voyager Plus Working Holiday Insurance?
At Voyager Plus, we offer working holiday insurance for trips across Europe and worldwide.
Our policy is divided into three geographic areas, so you can choose the area of cover that matches your destination.
The area you need depends on your destination included in your trip.
Europe Cover (Area 2)
- Includes England, Scotland, Wales, and Northern Ireland
- Includes the destinations across Europe, the Channel Islands, Isle of Man, Canary Islands, Madeira and Iceland.
- Some countries and territories are excluded, including Algeria, Libya, Syria and Israel.
Worldwide Cover (Area 3 and 4)
If your trip takes you outside Europe, you'll need a policy with worldwide cover:
- Area 3: Includes all countries in Areas 1 & 2, plus worldwide (excluding North America, the USA, Canada, Mexico, the Caribbean, the Bahamas, and Bermuda)
- Area 4: Includes all countries in Areas 1, 2 & 3, plus North America, the USA, Canada, Mexico, the Caribbean, the Bahamas, and Bermuda
6. Does Travel Insurance Cover Working Abroad for Business Trips?
Yes, our working abroad travel insurance does include cover for business trips. To ensure your policy includes cover for business trips, you would need to add the business plus option.
If you run your own business or work for a company, you may be looking to arrange a policy that covers all employees’ business travel for the year. If so, dedicated business travel insurance may be a more suitable option for you.
In this case, another Voyager Insurance brand, VoyageProtect, may be able to help.
Click here to find out more about our business travel insurance from VoyageProtect.
7. How Do I Get a Work Overseas Travel Insurance Quote?
Getting a work overseas travel insurance quote with Voyager Plus is quick and straightforward. Just follow these steps:
- Click the “Get a Quote” button
- Select long stay as the policy type
- Enter your personal and trip details in the quote system
- Choose your level of cover and add any optional extras you need.
- Receive your work overseas travel insurance quote
GP on Demand Remote Service
Going abroad on your holiday should be an unforgettable experience for all the right reasons. However, what happens if you suddenly feel ill and want to speak to an English-speaking GP while abroad?
The good news that all Voyager Plus Travel Insurance policies now include the “GP on Demand” service as standard, giving you access to medical help whenever you need it 24/7, during your period of insurance, for greater peace of mind.
What is GP on Demand and What Service Does it Provide?
Once registered with the service online, “GP on Demand” gives you access to unlimited virtual appointments, either by telephone or video-call* with a UK-based, NHS qualified GP 24 hours a day, 7 days a week, 365 days a year, helping you to get professional advice when you need it most.
The medical practitioners on this service are able cover a wide range of subjects including:
- Advice for managing chronic conditions, minor illness, and acute symptoms of serious clinical conditions
- Answer general questions about prescriptions, travel, and lifestyle
Once you've booked an appointment through the GP on Demand app, you'll receive a call back from a GP within 15 minutes of the appointed time.
For more information about our GP on Demand, please visit our Voyager Plus Policy Wording page to download our “Voyager Plus 24/7 UK GP Access with GP on Demand” Booklet.
* Video appointments are available 7 days a week, between 8am and 10pm
Important Information for Customers with Serious Medical Conditions - For UK Residents Only
MoneyHelper has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper travel insurance directory www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm.