Working Holiday Travel

For voluntary or paid work abroad

Cover your work and travel plans if you plan to undertake paid or voluntary work for your time away.

You will then have the peace of mind that your medical costs (and potential repatriation back to the UK) would be covered if you suffer an injury at work or in your leisure time, alongside all of the other benefits of comprehensive travel insurance cover.

The Working Holiday policy:

The Working Holiday policy:

  • Covers you to do a wide range of jobs whilst away – make sure that you choose the right Work Pack for your plans
  • Can cover you to be away from the UK for up to 2 years
  • Has the comprehensive benefits of a standard travel insurance policy, whilst also covering you to work

Which Work Pack will I need to choose?

If you are solely planning to do bar, cafe, office administration or retail work – our standard Walkabout or Walkabout Plus policies will provide suitable cover.

If you are doing any other forms of work, you will need to take out our Working Holiday policy. A wide variety of job roles and occupations have been put in to one of our four Work Packs.

Here is a selection of the jobs covered under our Work Packs, please see further down the page for the full list of jobs covered under each of the Packs:

Pack 1 (included in your quote as standard) – TEFL Teacher, Farm Labourer with no use of machinery or contact with livestock, Au Pair, Fruit picking without using machinery, Working at an Animal Sanctuary with Domestic or Farm Animals.

Pack 2 – Farm labourer with the use of a tractor, machinery or contact with livestock, Sports Coach, Veterinarian or Veterinary Nurse working with Domestic or Farm Animals, Dancer, Working at an Elephant Sanctuary.

Pack 3 – Car Mechanic, Horse Riding Instructor, Pool Lifeguard, Nurse.

Pack 4 – Veterinarian or Veterinary Nurse working with Wild Animals, Electrician, Plumber, Working in an Animal Sanctuary with Wild Animals.

Which Work Pack will I need to choose?

Working Packs

Working Pack 1 (included as standard)

Accountant Insurance/Assessor/Broker/Consultant
Actuary Admin. Staff/Managers (Office type work) Investment Analyst
Advertising IT Analyst/Consultant/Services Manager
Agent/Clerk/Executive Judge
Air Traffic Controller/Control Assistant/Planner Kitchen Worker/Supervisor
Airline Manager/Superintendent/Check-in Lawyer
Animal Sanctuary/Refuge Work domestic/farm animals (not donkeys or horses) Lecturer
Staff Architect Left Luggage Attendant
Artist Legal Adviser/Assistant/Executive/Secretary
Au Pair / Nanny Librarian
Auditor Loss Adjuster
Author Mail Sorter
Bank Staff Make-up Artist
Bar Manager/Manageress/Staff/Steward(ess) Management Accountant/Consultant
Barber Manager – Office type work only in an office environment
Barrister Medical Administrator/Receptionist/Secretary
Beautician/Beauty Therapist Messenger/Receptionist
Book Keeper Money Broker
Box Office Clerk – Cinema or Theatre Museum Attendant/Guide
Building Society Manager and Staff Newsagent
Business Analyst/Consultant Newspaper Vendor
C.A.D. Designer Nursery Assistant
Call Centre Operator/Manager Occupational Therapist
Camp America – Office based / cooking Office Administrator/Cashier/Clerk/Manager
Canteen Assistant/Supervisor Optician
Car Valet Packer
Cashier Payroll Administrator/Accounts Clerk/Manager
Chambermaid Personal Assistant
Chef (including Head Chef) Pharmacist
Chemist (not shop or research work) Physicist
Children’s Entertainer Politician
Childcare/Child Minder Porter – baggage/hospital/hotel/night
Civil Servant (Office-based) Post Sorter
Claims Adjuster/Assessor Postman/woman (no driving)
Classroom Assistant Priest
Cleaner (Domestic Office or Internal only) Public Relations Executive/Officer
Clergyman/woman Publisher
Clerical Assistant/Officer/Worker Receptionist
Coal Merchant (Administrative) Recruitment Consultant/Manager
Commodity Broker/Jobber Registrar
Company Director (no manual work) Safety Officer (not on a rig)
Computer Analyst/Consultant/Programmer Sales Assistant
Customer Services Agent/Supervisor/Manager Sales Manager
Customs and Excise Officer – Port control Sales Representative
Dinner Lady School Bursar/Inspector/Secretary
Director – no manual work Secretary
Disney Theme Park – non lifeguard Services Manager
Ecologist Shop Cleaner
Economist Shop Assistant/Worker
Editor – Publishing Software Consultant/Engineer
Environmental Health Officer Solicitor
Estate Agent Statistician
Farm Labourer/Worker no use of machine or work with livestock Stock Broker/Jobber Structural Engineer (Office Based)
Finance Broker/Director/Manager Supermarket Assistant/Staff
Financial Adviser/Controller Systems Analyst/Manager/Programmer
Financial Analyst Tax Consultant/Inspector
Florist Teacher – includes supply/teaching assistant/TEFL Teacher
Fruit Picking (Non-Machinery) Telesales Manager/Representative
Funeral Director Travel Agent
Graphic Designer Tutor
Greengrocer Underwriter
Hairdresser – mobile/salon University Lecturer
Health and Safety Officer Vicar
Hospital Administrator/Manager/Receptionist Waiter
Hospital Porter/Storeman/Ward Waitress
Orderly Website Designer
Hotel Barman Works Clerk/Receptionist
Hotel Porter Youth Hostel Warden
Hotel Receptionist Youth Worker
Housekeeper Zoo Curator/Director
Immigration Officer
Independent Financial Adviser
Insurance Agent

Working Pack 2

Animal Welfare Inspector / Officer Hotel Doorman/Manager
Antique Dealer Laboratory Manager/Technician/Worker
Baggage Handler Leisure Centre Instructor
Baker – Bakery Marine Biologist
Baker – in a shop Martial Arts Instructor
Building Inspector/Technician Medical Laboratory Technician
Building Surveyor (Office based) Modelling
Cafe Owner/Proprietor (Unlicensed) Mortician
Camera Operator Mountain Bike Tour Guide
Camp America – Sports coaching Musician/Performer
Car Salesperson Osteopath
Caretaker/Janitor Park Keeper/Ranger
Carpet Cleaner Personal Trainer
Carpet Fitter Pharmacy Assistant
Caterer/Catering Assistant Pilates Teacher
Chartered Surveyor (Office based) Photographer – Portrait/Studio/Industrial or Weddings
Chemist (shop No mining or research work) Physician
Chiropodist Pop Musician/Singer
Chiropractor Post Office Counter Staff/Postmaster
Computer Engineer Production Manager/Superintendent – no manual work
Customs and Excise Officer – Investigative work Property Developer – no manual work
Dance Teacher Psychiatrist
Dancer Psychologist
Doctor (not surgeon/anaesthetist and not Armed Forces) Psychotherapist
Dog Breeder Quantity Surveyor
Door and Window – Assembler No fitting Radiographer
Double Glazing – Assembler No fitting Radiologist
Elephant Sanctuary Work Recording Engineer/Technician
Factory Manager - no manual work Restaurant Manager/Proprietor
Factory Worker Retail Shop Manager
Farm Labourer/Worker with use of tractor or working with livestock School Janitor
Farm Manager - no manual work Scientist /Scientific Assistant
Fence Erector (with use of chainsaw) Shop Keeper/Manager/Proprietor
Film Editor Singer / Performer
Fishmonger Sound Engineer
Fitness Instructor Sports Coach
Forestry Officer Store Manager
Fruit picking with machinery Supermarket Manager/Deputy Manager
Garage Manager/Proprietor – no manual work Surveyor – Architectural/Land
General Practitioner Theatre Stagework
Geologist/Geophysicist (No mining) Timber Merchant (no manual work)
Gardener/ Groundsman – No heavy Machinery Tour Guide (no driving)
Health and Fitness Club Trainer Veterinarian - domestic and farm animals (not donkeys or horses)
Health Visitor Veterinarian Nurse - domestic and farm animals (not donkeys or horses)
Hospital Consultant (no surgery) Water Theme Park
Hospital Doctor (not surgeon or anaesthetist) Yoga Teacher

Working Pack 3

Actor/Actress (No Stunt Work) News Photographer
Aircraft Engineer Newsreader
Ambulance Crew Nurse – all including Student Nurse
Ambulance Driver Nurse
Anaesthetist Nurseryman
Animal Sanctuary Work with Donkeys and Horses Nursing Home Proprietor
Antique Restorer Occupational Health Nurse
Bailiff Optical Instrument Fitter/Maker/Repairer
Building Site Manager Orthodontist
Bus Driver Outdoor Pursuits Leader
Butcher Paramedic
Camp America – outdoor pursuits organiser Pest Control Operative
Car Mechanic Photographer – Other
Care Worker (including Residential) Physiotherapist
Charity / NGO non-government organisation volunteer Plant Hire Manager/Owner – no manual work or driving
Chauffeur Police (All ranks)
Civil Engineer Police Community
Clock and Watch Maker/Repairer Support Officer (PCSO)
Clothing Designer Postal Courier Driver
Coach Driver Postman/woman (some driving)
Coast Guard Presenter – Radio/TV
Conductor – Train crew – Railways Printer/Printer’s Assistant
Debt Collector Prison Officer/Warden
Delivery Driver Private Investigator
Dental Nurse Probation Officer
Dentist or Dental Assistant/Auxiliary/ Consultant/Hygienist Producer – TV/Radio/Record
Director – some manual work Project manager (construction)
Driver – not heavy plant or construction Property Manager
Driving Examiner/Instructor Public Service Vehicle (PSV) driver
Dry Cleaning Shop Owner/Staff Radio and Television
Factory Inspector Repairman
Farm Owner Railway Guard/Station personnel
Fashion Designer (including Accessories) Railway Police Officer
Film Director/Producer/Writer Refrigeration Engineer
Fire Service – Senior Officer Reporter
Fish Farmer Residential Care Officer
Fork Lift Truck Driver Residential Home
Garage Manager/Proprietor – some manual work Proprietor
Garage Tyre/Exhaust Fitter School Crossing Attendant
Head Teacher/Master/Mistress School Maid/Matron/Nurse
Heating and Plumbing Engineer Service Engineer
Horse riding instructor Sewing Machinist
Horse training Shoe Maker or Repairer
Hotel Proprietor Sign Writer
Hovercraft – Captain/Navigator/First Officer Social Worker
Importer and Exporter Stable Hand/Lad
Inspector – within manufacturing industry Stage Technician
Journalist Station Officer – Fire Service
Landscape Designer Support Worker
Launderette – Supervisor Technical Engineer
Assistant or Counter staff Technician
Lifeguard – beaches Telecommunications Engineer
Lifeguard – swimming pool only Tool Fitter
Light Goods Vehicle Driver Traffic Warden
Locksmith Tyre Fitter
Maintenance Engineer/Technician University Technician
Mechanic Van Driver
Mechanical Engineer Vehicle Technician
Mental Health Worker Vending Machine Engineer
Midwife Vocational Training Instructor
Milk Roundsman Windscreen Fitter
Music Teacher Youth Worker/Leader
Musical Director Zoo Keeper (including Head)
Musical Instrument Maker

Working Pack 4

Animal sanctuary work including wild animals Machine Assistant/Operator/Minder – usually
Artexer Machinery Electrician
Assembly Line Worker/Assembler Market or Street Trader
Blacksmith Mason/Mason’s Mate
Boat Builder Mechanical Road Sweeper Driver
Breakdown Recovery Patrolman Metal – fabricator/machinist/plater/sprayer/miller
Bricklayer not above two storeys Motor Cycle Courier/Messenger
Bricklayer’s (mate) not above two storeys Mustering cattle on horseback
Builder not above two storeys Orthopaedic Surgeon
Builder’s mate not above two storeys Painter and or Decorator
Building Contractor Panel Beater
Building Site Foreman Petrol Station Attendant
Building surveyor – on site Photographer – Aerial photography
Bulldozer Driver Pipe Fitter
Cafe Owner/Proprietor (Licensed premises) Plant Hire Manager/Owner – some manual work or driving
Carpenter not above two storeys Plant Operator
Chartered surveyor – on site Plasterer
Club Manager Plumber
Club Proprietor/Steward(ess) Process Operator/Worker
Coal Merchant (Manual) Production Manager/Superintendent – some manual work
Digger Driver Production Operative/Worker
Dive Instructor – No commercial diving Property Developer – some manual work
Doctor (surgeon/anaesthetist and not Armed Forces) Publican/Public House Manager/Landlord
Dustman Railway Linesman
Electrical Engineer Recycling Operative
Electrical Technician Refuse Collector
Electrician Removals Man
Electronics Fitter/Installer/Repairer Road Maintenance Worker
Excavator Driver Road Sweeper
Fabricator Royal Military Police Officer
Factory Manager – some manual work Scrap Yard Dealer/Owner
Fitter/Fitter’s mate – usually Security Guard Security Officer (other)
Floor Layer Security Van Driver
Flying Instructor Sewage Works Attendant
Forest Worker Shark conservation (including cage diving)
Foundry Worker Sheet Metal Worker
Furniture Remover Shop Fitter
Gardener with use of heavy machinery Spot Welder
Gas Engineer Stone Cutter/Dresser/Polisher
Gas Fitter Stone Mason
Glass Worker/cutter/Finisher Storeman
Ground Worker Street Cleaner
Handyman Structural Engineer – on-site
Haulier Surgeon
HGV Driver Tattoo Artist
Horse dentistry Taxi Driver/Owner
Hospital Consultant (surgeon) Tiler
Hospital Doctor (surgeon/anaesthetist) Tool Maker
JCB Driver Track Layer/Trackman
Joiner Train Driver
Labourer ( Building) not above two storeys Veterinary work - including wild animals horses and donkeys
Licensee (Licensed Trade) Warehouse Operator
Lifeboat Crew Wood Worker/Machinist
Lorry Driver

Please note that the Working Packs do have some limitations, as we can’t offer cover if travellers are:

  • Working Underground
  • Working outdoors at heights above two storeys
  • Lifting weight in excess of 25kg


Also, please note that no cover would be in place under the personal liability sections of our policies whilst working and you also wouldn’t be eligible for the lump-sum payments under the personal accident section, if an incident occurred whilst working. You would, however, be covered for emergency medical expenses that are the result of an accident at work. It is assumed that employers would have their own insurance in place for personal liability, but it is advisable that you check this with prospective employers.

If you have any questions, please do not hesitate to contact us. You can get a quote from the link at the top of the page, or alternatively, submit a working holiday travel insurance quote request. Once we receive a completed request, we will be able to confirm if cover can be offered, and the cost of cover. We usually respond to quote enquiries the same working day or the morning of the next working day.

Please note that the Working Packs do have some limitations, as we can’t offer cover if travellers are:

Working Holiday Policy Frequently Asked Questions

I am doing voluntary work, without receiving payment, do I still need to get the Working Holiday policy?

The nature of voluntary work varies a great deal, but the key thing is that you are performing a job or occupation in a working environment – even if you aren’t getting paid to do it- and the respective risks and responsibilities are still present. If your voluntary role purely involves office, cafe, retail or bar work, then this can be covered under our standard Walkabout or Walkabout Plus policies. If, however, you are doing anything beyond the scope of this, then you will need to look at our Working Holiday policy for valid cover. The Work Pack that you will need to apply when getting a quote depends on what you plan to do, and when deciding, please consider all the things that you will be doing, if it is a varied role, and pick the highest Work Pack that is relevant. You can take a look at the Work Packs above.

I am only working for part of my trip away, do I still need to get the Working Holiday policy?

No matter if you are doing paid or voluntary work for part, or all of your time away from the UK (and you aren’t solely doing office, bar, cafe or retail work), then you will need to take out the Working Holiday policy for the entire duration that you will be away from the UK. It isn’t possible to downgrade your policy type part-way through a policy, so you need to opt for the Working Holiday policy for the entire duration of your time away, for cover to be valid.

My employer is providing me with medical cover whilst I’m away, so do I still need to take out the Working Holiday policy?

Yes. Whilst it’s great that your employer or the charity that you will be volunteering for, are organising medical cover whilst you’re away, this isn’t a replacement for Working Holiday policy cover. From our point of view, our policy underwriters require us to cover the full risk that a traveller represents, after taking all of their plans into account (this includes their work plans). An example of why this is the case:

  • A traveller is working as a teacher at a school, and falls down a flight of stairs. He receives medical treatment for his injuries, which is paid for by his employer. He recovers, then leaves this job and heads off travelling. A few weeks later, he starts to suffer pain from his injuries and tries to claim on his travel insurance. If he was working in a role that he wasn’t covered for, then he wouldn’t be able to claim for further medical expenses from his travel insurer – as they weren’t covering him to work as a teacher. His employer’s medical cover won’t pick up the tab, as he no longer works for them – so he has no valid cover and has to pay for treatment himself.

Another key thing to consider, is that one of the key benefits of travel insurance is cover for repatriation back to the UK (which can be very costly) if you are seriously injured, for treatment to continue back here. It is very unlikely that an employer’s medical cover will extend to cover this, and again, you may be forced to pick up the tab for this yourself, if suitable cover hasn’t been taken out.

What does personal liability mean?

Personal liability is one of the benefits offered by all of our policies, and offers cover if you unfortunately damage or cause loss to somebody, in relation to an incident caused by you, and the person or organisation affected tries to recover the loss via the legal process. This is always in place in your leisure time, as long as none of the exclusions listed in your policy wording document, apply. This benefit is effectively “turned off” whilst you’re at work, as it is a benefit that is typically supplied by either an employer or a voluntary organisation/charity – but it is best to check directly with yours, just to confirm that this is the case. Personal liability would not be in place under any of our policies, whilst doing any form of work.

I am doing a study course whilst away. Would this potentially need to be covered under the Working Holiday policy?

Depending on what you are studying, this may involve being in potentially risky settings, such as a laboratory – or it may involve placements where you are effectively carrying out some form of job role. If your study is purely classroom or office based, then you wouldn’t need a Working Holiday policy – but if it involves being in a laboratory environment, working with animals, there are any kind of musical or theatrical performances, or you are performing a job role in another environment, then you would need to select the Working Holiday policy (choosing the most appropriate Work Pack to match your plans).

I have a 1-year Working Holiday visa for Australia, but hope to apply for my 2nd year Working Holiday visa, can I extend my policy - or take out a new one while I’m away?

There is an expectation that you select the full duration that you intend to be away from the UK at the outset, for a policy to be valid if a claim arises. To corroborate this, our Underwriter’s Claims team would expect you to have one of these acceptable forms of proof of your intention to return to the UK by your selected end date. As an example, if you have a 1 year Working Holiday visa, but only set your policy up to last for 6 months, this could cause a problem, unless you had a return flight booked to reflect the fact that you would be back in the UK by the policy end-date.

If you do decide to stay away for longer than originally planned, get in touch, and we will ask you to complete an extension enquiry form to let us know all of the relevant information that we need to know before we decide if we can offer the extension, and send you a link to pay the additional amount quoted. It’s important that you get in touch as soon as you make this decision, as you risk invalidating your policy, if you don’t update the details to reflect your revised plans. If your policy has already expired, please contact us as we may still be able to extend your cover.

I will be working away from the UK for a year, but haven’t booked a return flight yet, will my policy be valid?

Whilst you don’t need to necessarily have a return flight booked to take out a valid policy, you will need to set the policy up for the entire duration that you plan to be away, and also make sure that you have one of these approved forms of proving when you plan to be back in the UK. If you subsequently book a flight for a later date than that which is recorded on your policy, please get in touch to update us with this change, and we will consider extending your policy accordingly (subject to completion of an extension enquiry form). Another factor to bear in mind, is that the Underwriter’s Claims team will have an ever-growing expectation that you will have bought a return flight, as you approach the end of your policy.

I’m not sure yet what job I will get whilst I’m away, or it may change. Can this be altered on my policy?

Yes, Work Packs can be upgraded whilst you’re away, as long as you contact us (and pay any additional quoted premium) before you start doing the new job that falls in a higher Work Pack. We can’t however, downgrade a Work Pack, if you start doing a job in a lower one, but cover is in place in lower Work Packs, as well as your chosen one. If you have taken out a Backpacker, Longstay, Traveller, Traveller Plus, Walkabout or Walkabout Plus policy, but will now be doing a form of work not covered by one of these, we may be able to upgrade your policy to a Working Holiday policy, with the appropriate Work Pack applied – but this can result in a relatively high premium being charged for this change (as the upgrade is applied to the entire duration that you are away).

I can’t see the job that I plan to do, listed under any of the Work Packs, does that mean that I can’t get cover?

Not necessarily! Although there are lots of occupations listed, and there is a great variety, it isn’t possible to list every potential job that travellers could potentially do, so it could well be that we could cover your job – but you need to check with us first, by either giving us a ring on 01424 223964 or getting in touch to request a quote. Unfortunately, the risky or unpredictable nature of some jobs, means that we can’t offer cover, but we may be able to point you in the direction of an insurer who might be able to do that.

If you’re struggling to find your job listed in the Work Packs, try looking for an alternative title for the same role e.g. cleaner/janitor and make sure that you check all of the Work Packs to see what is the most appropriate Work Pack e.g. Doctor (not surgeon/anaesthetist and not Armed Forces) is listed in Work Pack 2, and Doctor (surgeon, anaesthetist and nor Armed Forces) is categorised as Work Pack 4.

Please note that we are only able to offer cover to travellers who are resident with their main home in the UK and who are registered with a UK GP.

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