If you are planning to head overseas to work, whether this be a permanentl career change or seasonally for bar work, holiday rep or volunteer for a charity you’ll need to ensure you are covered for unforeseen events that may occur whilst you’re working abroad.
Travel insurance will provide cover for the usual things including medical expenses, cancellations, delayed and lost baggage and more. With our business travel cover this is extended to cover lost, theft, damage and destruction of any work equipment (such as mobile phones and laptops) and also covers a replacement colleague replacing you should you need to cut short your trip.
To be eligible to take out any travel insurance you need to be a UK resident for tax purposes and registered with a UK doctor.
The best option to be covered whilst working abroad will depend upon the length of time you plan to be working overseas for, and what kind of work you are undertaking.
Our single trip business travel insurance policies provide cover for trips of up to 180 days, so could be a suitable option if you are working seasonally or have a role which allows you to work from outside the UK for up to 6 months per year.
If you are planning to work abroad permanently or longer than 180 days at once, then you may wish to consider an international health insurance policy, which is designed for more permanent overseas work and expatriates.
A specialist policy to allow working abroad will provide all the usual benefits of a standard single trip travel insurance policy in addition to specific work related cover. For longer term projects overseas then consider international heathcare.
Our policy options are outlined below. Please click on the Get a Quote button to receive your personalised quote.
Terms, conditions and exclusions apply. For full policy details please see the policy wording.
Personal liability cover protects you if you injure someone or damage their property whilst abroad and they attempt to claim damages from you. Our policies do provide cover for personal liability but this only applies when you are not working.
Normally, you’ll find that your employer already provides personal liability cover for incidents that occur during work time. Make sure to check this with them, and if that’s not the case separate cover may be needed.
In order to get covered you need to be a UK resident and registered with a doctor in the United Kingdom, this makes it a suitable option for work travel, seasonal work abroad or charity work.
For international health insurance these requirements are not imposed which makes them more suitable for permanent jobs abroad and working holiday visas outside of the UK.
Our standard single trip travel insurance or annual multi-trip travel insurance policies on their own are designed primarily for holidaymakers, as such they will not cover you for business equipment or issues caused whilst you are working abroad.
In order to get covered for working overseas, you’ll want to consider a business travel insurance policy.
If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy through one of the providers featured in the MoneyHelper directory of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory
Call: 0800 138 7777 (lines are open Monday to Friday, 9am to 5pm)
or
Email: [email protected]
