How To Choose The Best Working Holiday Travel Insurance?

How To Choose The Best Working Holiday Travel Insurance working holiday travel insurance for backpackers in Australia travel insurance for working holiday subclass 417 and 462

Securing comprehensive health insurance is highly advisable when embarking on a Working Holiday Visa journey to Australia. In accordance with immigration office regulations, it is obligatory to possess health insurance that offers coverage prior to departing for Australia. Regardless of whether you’re on a global expedition with a brief stopover in Australia or intending to stay for an extended period during your Working Holiday, it is crucial to have robust health coverage in place, be it for unforeseen accidents or routine healthcare needs. Here are some pointers to assist you in selecting the most suitable Working Holiday Travel Insurance.

Travel Insurance Criteria

Quality of Service

In addition to the insurance provider’s popularity, the quality of services offered plays a pivotal role in determining the insurance’s overall excellence. Once again, it’s advisable to gather information and seek feedback from fellow backpackers. They can provide valuable insights into whether an insurance company has treated them satisfactorily, how promptly reimbursements were processed, and within what timeframes. If you’re not yet in Australia, you can inquire through online forums, Facebook groups, and similar platforms.

Key factors to consider include:

  • Ease of enrollment.
  • Flexibility in extending the insurance contract (especially if you plan to stay longer than a year).
  • Quality of customer service, including their responsiveness to inquiries.
  • Refund schedules (how long do they take to refund your claims?).

These factors will aid you in making an informed choice when selecting your Working Holiday Travel Insurance.

Price of Insurance

Now, let’s delve into the topic we’ve all been eager to discuss: pricing! It’s natural to be enticed by the allure of the cheapest available insurance option, but it’s essential to consider whether it adequately covers your needs. Opting for the lowest-cost option might leave you with insufficient coverage, and you might regret your decision. Conversely, selecting the most expensive insurance doesn’t necessarily guarantee the best coverage. Ultimately, the choice hinges on your individual requirements and budget.

Therefore, it’s advisable to compare the various insurance options before making a decision. In general, we recommend steering clear of both the priciest and the cheapest options. To give you a ballpark figure, most insurance plans fall within the range of 450 to 550 EUR per year. Keep in mind that you can tailor the coverage duration to your specific needs by selecting the number of months required.

Popularity of Insurance

As is often the case with various products, the popularity of a health insurance provider frequently serves as a reliable gauge of its quality. This popularity isn’t solely the result of advertising efforts; it’s often a testament to the trustworthiness and reputation of the provider. When you explore different websites, forums, or blogs, you’ll notice that certain insurance companies are consistently mentioned. It’s true that many sites and blogs may promote their insurance partners (i.e., sponsored content), but when you repeatedly encounter the same names across multiple sources, it’s a promising sign of quality.

For a more candid perspective, it’s advisable to seek advice from fellow travelers. Keep in mind that individual experiences can vary widely, and negative experiences tend to be more vocalized than positive ones. People often express dissatisfaction when things go awry but remain silent when everything goes smoothly.


As you delve into exploring the offerings of various insurance companies, you might have already observed the extensive list of what these insurance policies encompass. To prevent getting overwhelmed by this wealth of information, let’s focus on the primary guarantees you should prioritize:

  • Repatriation assistance;
  • Support for medical expenses up to a certain threshold;
  • Hospitalisation costs up to a certain threshold;
  • Reimbursement of an airline ticket in case of early return;
  • Public liability;
  • Baggage insurance;
  • Accident capital;
  • Ambulance costs (you often require a seperate insurance for this in Australia);
  • Search/rescue costs.

While you’re enjoying your stay, the urge to partake in various activities is almost inevitable. It’s essential to verify in advance whether your insurance includes coverage for these specific activities. If you intend to work, especially in roles deemed “hazardous” like construction, fishing, or farm work, keep in mind that you may need additional insurance. Always ensure that your insurer provides coverage for the activities you plan to engage in.

Best Working Holiday Travel Insurance  working holiday travel insurance for backpackers in Australia travel insurance for working holiday subclass 417 and 462 backpacker travel insurance
Travel insurance for working holiday subclass 417 and 462. Backpacker travel insurance.

Countries covered

Some insurers will only cover costs in the country you are doing your WHV in. Make sure to check which other countries your insurance covers as there is a lot to see close to Australia!

Medicare cover

It’s important to consider that if you hail from specific countries with agreements in place with Australia (including the UK, Ireland, The Netherlands, New Zealand, Norway, Slovenia, Malta, Belgium, Finland, and Italy), you may have the opportunity to benefit from Medicare coverage. This means that as long as you maintain your health insurance in your home country, you can apply for Medicare coverage upon arriving in Australia, entailing coverage for certain medical expenses. However, it’s crucial to bear in mind that Medicare does not provide comprehensive coverage. For instance, expenses related to medical transport are not included, and if you plan to work in Australia, you’ll often discover that very little is covered.

Additionally, it’s important to note that Medicare does not extend its coverage to any travel-related issues, such as lost baggage. Furthermore, it does not provide coverage for medical needs outside of Australia during your travels to other countries.

When to take out Travel Insurance?

Before taking any further steps, it’s essential to pose some questions to yourself:

  • When do you plan to enroll?
  • How long will your stay be?
  • Will you remain exclusively within your Working Holiday country?
  • What types of activities are on your itinerary?
  • What is the procedure for reimbursement?

In most cases, if not all, it’s wisest to enroll before your departure. This way, your insurance will become active as soon as you arrive in the country. You have the flexibility to select the activation date when purchasing the insurance.

The subscription period aligns with the duration of your intended stay in the country, ranging from 1 to 12 months. It’s crucial to ensure that your chosen insurance provider permits extensions if you’re contemplating extending your Working Holiday Visa for an additional year. Additionally, check that the option for online extension is available if needed.

What does the insurance include?

We will now review the different types of coverage offered by insurance providers, valuable information for understanding what to take into account!

Medical fees

For instance, there are expenses associated with hospitalization, medical transport, and maternity-related costs (although not always covered). Certain insurance plans may even provide a daily allowance for extended stays. Additionally, they extend coverage to include physical consultations, medical tests, and examinations.

Furthermore, some insurers offer partial reimbursement for dental and optical expenses.


  • Assistance in the event of illness or injury encompasses various aspects. This includes criteria for repatriation of the injured individual, coverage of travel expenses for a relative in case of hospitalization, and vice versa.
  • Travel Assistance addresses the diverse expenses you might encounter during your journey. This can involve actions such as providing bail advances, covering legal fees, or offering support during sea or mountain-related incidents.
  • Assistance in case of death, while somewhat somber in nature, is nonetheless crucial to consider. For instance, in the unfortunate event of a loved one’s passing, insurance can facilitate a return trip to enable you to be close to your family during this difficult time.

Insurance guarantees

First and foremost, your luggage and personal belongings are a primary concern. In the event of delivery delays, which might require you to purchase clothing or a new toothbrush, your insurance can provide compensation. Additionally, they may offer reimbursement if your belongings are stolen or suffer partial or complete damage during your journey.

Another critical aspect is personal liability coverage. In essence, your insurance will safeguard you when you bear personal responsibility for injuries or property damage, such as in a car accident. It’s imperative to understand the coverage limits, as these amounts can escalate swiftly.

Lastly, during your flight, whether outbound or return, the insurance can provide compensation in cases of flight delays or cancellations.

Exclusions in your contract

This section holds significant importance as it outlines the situations where your insurance coverage will not apply. Hence, it’s of utmost importance to thoroughly review all these terms and conditions. For instance, within this section, you will discover the catalog of uncovered sports, typically including extreme activities like bungee jumping and free fall, among others. Additionally, it provides insight into the medical expenses that are not eligible for reimbursement.

Also read: How To Get Medical Treatment In Australia

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