Working Abroad Travel Insurance: Guide To Get Travel Insurance

Working Abroad Travel Insurance, when, for, long stay
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If you are travelling abroad and want to work, it is critical to ensure that your travel insurance policy covers you while on the job. Many policies do not. Rather, they cover leisure travel and will not compensate you if you get into an accident while on the job. Read down to get the information you need for getting travel insurance for working abroad.

Working Abroad Travel Coverage

Working travel insurance is reasonably easy to obtain for office and administrative work, as well as work in bars and restaurants, and many insurance policies include light farm or agricultural work such as fruit and vegetable picking on a casual basis. 

Finding working abroad travel insurance that covers physical labour or construction work, working with machinery or tools, agricultural farm labour using tractors, combine harvesters, and other machinery, or working with animals is much more difficult.

If you require coverage for potentially hazardous activities. For example, if you were dealing with machinery, larger animals, including wild animals in an animal sanctuary or refuge, or heavy power tools and other manual labour, our Adventures or High-Risk Voyager plans would be a better fit. These jobs encompass a diverse range of occupations, including those involving agricultural machinery, working with wild animals in sanctuaries/refuges, and so on. 

There are always limitations, such as insurance coverage being contingent on you wearing all necessary safety clothing and equipment and strictly adhering to all suggested safety recommendations and procedures on-site. 

When shopping for travel insurance for working abroad, keep in mind that not all policies for long journeys allow for mid-trip returns and won’t cover pre-existing medical conditions. 

Do I have coverage for manual work? 

Navigator offers numerous products that include coverage for manual labour at no additional cost, while some exclusions apply, such as working on ladders or scaffolding higher than two stories. 

Can I be insured for working abroad with heavy machinery?

Certain Navigator insurance, such as Adventures and High-Risk Voyager, protect you when operating machinery, such as tractor driving, combine harvesters, and other agricultural machinery.

Do I have Coverage against Personal Liability claims while on the job? 

No, travel insurance does not cover work liability claims, which means that if you injure someone else or destroy property while working and get into trouble, travel insurance will not cover you. This should be done either through your employer’s professional liability policy or through a separate professional liability policy.

How To Prepare for Work Abroad

Travelling to a new area to explore is an intimidating notion in and of itself; let alone travelling to a new location to begin a new chapter through temporary job placement. No matter what kind of Job you are looking for abroad, it’s good to always be ready.

#1. Conduct research in your new area.

One method to cope with the shock of migrating to a new nation is to draw parallels with your previous life. For instance, you might enjoy tennis or visiting art museums. Therefore, it would be prudent to ascertain where you may accomplish this in your new property.

Additionally, consider how you will navigate your new home. Are you of legal driving age? Or are you more at ease on trains and buses? Whichever choice you select, having this information will make the transfer significantly less stressful and more seamless.

#2. Costs of research

This is critical since you do not want to be out of pocket in a foreign nation. And, while it may sound tedious, there are times when you must consider the basics in order to have an excellent time living and working overseas.

We recommend creating a list of everything you’ll need to live comfortably and then researching the costs of those items in your location. For example, you’ll need to consider the phone, internet, rent, transportation, recreational activities, and, of course, food.

#3. Cover yourself with travel insurance

Before you travel, the first thing you should do is insure yourself. While we hate to think about it if you were to become ill or injured while on vacation, having insurance can provide you with peace of mind and a safety net, as medical expenditures in other locations may be absurdly expensive!

#4. Have A reserve money

Working abroad reduces the amount of money you need to save before travelling because you will be earning money at your destination and it is generally cheaper to travel in local currency because there would be no exchange rates.

But it’s also good to always plan for the worst by saving some money to maintain your independence and handle unanticipated circumstances such as a wage gap or the need to put down a deposit on housing.

#5. Prepare your documentation

When relocating to a new nation, keeping all of your crucial papers in one file will help you stay organized and prevent you from forgetting something vital. Ascertain that you have all relevant papers for your new job, including certificates, references, a CV, and, if necessary, a police check. Along with your employment, it is critical to keep track of your visa documents and any other paperwork associated with the visa process.

#6. Make a comprehensive list

Finally, the enjoyable part! Make a list of all the activities, sights, and experiences you wish to have in your new home nation. Keep in mind that your bucket list is critical and will assist you in getting through the tougher periods when homesickness sets in. Numerous enjoyable adventures await you!

Travel Insurance for Working Abroad 

Insurance for working in another country is meant for persons who work in countries other than their home country. Whether you’re considering working overseas during your gap year, picking fruit or vegetables, or working in a hotel or bar, you’re covered.


  • Coverage is available to both UK and EU citizens.
  • All insurance includes coverage for a broad variety of medical conditions as standard.
  • Numerous activities are given as standard, and higher-risk activities are frequently available for an additional fee.
  • Securely purchase insurance online and your policy will be delivered to your email address instantaneously.
  • Working abroad while traveling may have a negative influence on your health, particularly if you already have a medical problem.

Types of travel insurance for working abroad

Below are the kinds of travel coverage for working abroad:

#1. Single Trip

Single Trip Trip Insurance is designed for those aged 18 to 89 who are travelling individually or on a package tour for a maximum of 15 months.

  • Cancellation or curtailment – maximum of £6,000
  • Emergency Medical Expenses – up to a total of £10,000,000
  • Baggage – up to a total of £3,000

#2. Annual Multi-trip Insurance

Designed for the majority of individuals, couples, and families that travel for up to 120 days in a 12-month period. For anyone aged 79 years and above!

  • Cancellation or curtailment – maximum of £6,000
  • Emergency Medical Expenses – up to a total of £10,000,000
  • Baggage – up to a total of £3,000

#3. Travel Insurance For Backpackers

Aimed at travellers under the age of 51 who are travelling on a shoestring budget for up to 18 months. The majority of adventure sports are out for free.

  • Cancellation or curtailment – maximum of £2,000
  • Emergency Medical Expenses – up to a total of £5,000,000
  • Baggage – up to a total of £1,000

Long Stay Travel Insurance Working Abroad

Long-stay travel insurance is for safeguarding you and your possessions on extended travels such as gap year experiences and globe cruises. The sort of insurance you require is determined by your age, the length of your trip, and the destination.

However, Long-stay travel insurance protects you on extended journeys. The majority of ordinary travel policies cover vacations of up to 31 days. However, some single-trip policies cover stays of up to three months. In most cases, long-stay travel insurance covers visits lasting up to 18 months. There are numerous policy types, including the following:

  • Insurance for backpackers
  • Insurance for over-50s traveling for an extended period of time
  • Lastly, Insurance for over-70s traveling for an extended period of time

What does long-stay travel insurance cover?

Long-stay travel insurance provides identical coverage to normal travel insurance, including coverage for medical expenditures, missing luggage, and the need to cancel or shorten your trip. Additionally, long-term travel insurance may include additional coverage, such as protection while working overseas.

How much does long-stay travel insurance cost?

Long-stay travel insurance premiums vary significantly. It is contingent upon a variety of circumstances, including the following:

  • Your chronological age
  • Your well-being
  • How long do you intend to stay gone
  • Where you’re headed
  • What you’re bringing
  • What you intend to do

Additionally, these criteria will influence the type of long-stay travel insurance you require. If you’re planning a gap year with your schoolmates.

What should I look out for with a long-stay travel insurance policy?

As is the case with any travel insurance policy, you should ensure that the coverage provided by your long-stay insurance is adequate for your needs. Several items to verify include the following:

  • Do you have sufficient cancellation insurance to cover the whole cost of your trip?
  • Have you incorporated any activities you intend to participate in, such as aquatic or winter sports?
  • Do you have adequate medical insurance – at the very least £5 million?
  • Will you be insured if you have an accident while working abroad?
  • Is the single-item restriction on personal possessions sufficient to pay the cost of replacing your valuables?
  • Are you able to afford your extra payment if you are required to make a claim?
  • Is it possible to include long-stay travel insurance in an annual policy?

The majority of yearly travel insurance policies cover you for individual travels of up to 31 days – despite the fact that the policy is for a year. Therefore, if you want to stay away for more than a month, you will require long-term travel insurance.

Can single-trip travel insurance be used for long trips?

If you’re planning to stay in one location for up to three months, you may be eligible to get a single-trip travel insurance policy. If, on the other hand, you want to visit multiple countries or will be gone for more than 90 days, long-stay travel insurance is a better option.

Can I get long-stay travel insurance with pre-existing medical conditions?

Yes, if you have a pre-existing disease such as diabetes or asthma, you can purchase long-stay travel insurance. Generally, you will have to accept that any claims relating to the condition will be denied, or pay a higher premium for specialized protection that includes the illness. In either case, resist the temptation to fabricate information in order to obtain affordable long-stay travel insurance. Failure to declare pre-existing medical conditions when purchasing travel insurance may invalidate your policy, leaving you without coverage when you most need it.

Can I purchase long-stay travel insurance if I am above the age of 50?

Yes, a number of UK carriers offer long-stay travel insurance for persons over the age of 50 — the coverage is comparable to conventional long-stay travel insurance. Over-50s insurance tends to be more expensive, but it may cover a broader range of medical issues.

Can over-65s obtain long-stay travel insurance?

Yes, several UK insurers offer long-term travel insurance to individuals over the age of 65. While many policies have an upper age limit of 79, a few will cover those over the age of 80. However, the cost increases as you age, as does the number of insurance exclusions.

How should I insure my home if I’m away long term?

The majority of home insurance policies have a limit on the number of days you can leave your home vacant at any given time. This period of time could be 30 or 60 days. Therefore, if you’re planning to be away for an extended period of time and leaving your property vacant – you’ll require specialist unoccupied home insurance.

Additionally, you should inform your insurer if you intend to rent out your property while you are gone and possibly obtain landlord insurance.

FAQs’ On Working Abroad Travel Insurance:

Can I get long term travel insurance?

Several UK insurance companies offer long-term travel insurance for people over 65 who want to go on trips for a long time. Some even offer policies for people who are over 80. Many people have an upper age limit of 79. However, the price of the policy goes up as you get older, and so does the number of exclusions on the policy.

Can I get UK travel insurance if I live abroad?

For UK expatriates, private medical insurance is available. Insurance can also be purchased from local suppliers in other countries. Always double-check policies, especially if you’ll be able to transfer medical coverage if you move to another country in the future.

Do I need travel insurance for working holiday in Australia?

When travelling, it’s usually a good idea to get insurance, but you also need to make sure you’re insured while working. We cover you whether you work in an office or serve tables, but we don’t cover any paid or unpaid manual labour.

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When travelling, it's usually a good idea to get insurance, but you also need to make sure you're insured while working. We cover you whether you work in an office or serve tables, but we don't cover any paid or unpaid manual labour.

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