A longer stay abroad, whether to work, travel or see the world, is an unforgettable adventure for many young people. Work & Travel combines the freedom to travel with the chance to top up your travel budget through casual jobs. But this way of life also brings its own insurance needs, which neither normal travel insurance nor German statutory health insurance (GKV) fully cover.
Statutory health insurance (gesetzliche Krankenversicherung) gives only limited protection on Work & Travel, and outside the EU in many cases none at all. Anyone who spends a year in Australia, New Zealand, Canada or South America is on their own if they fall ill without special insurance. Hospital stays in countries without a state health system can cost enormous sums.
Work and travel insurance combines several important building blocks: foreign health insurance including return transport to Germany, liability cover for damage caused abroad, travel luggage insurance against theft or loss, and often accident insurance as well. The exact mix depends on the tariff you choose.
Special rules apply to Work & Travel stays with an employment relationship: anyone officially employed abroad is often covered by social insurance there through the employer, but not always enough. Extra cover from Germany gives the backing you need.
Together with you, we put together the right all-round cover for your stay abroad, so the adventure can start without worry.
Work and Travel benefits
Travel health insurance: outpatient treatment, medicines, therapies, inpatient treatment, dental treatment, unlimited sum insured, medical repatriation. Exclusion: treatment that was the reason for the trip.
Accident insurance (from Komfort): €40,000 for disability, €20,000 for death, recovery and rescue costs.
Travel luggage (Premium): checked and hand luggage, theft, robbery and natural hazard damage, up to €3,000 per claim, €300 for luggage delay.
Additional benefits: 24-hour emergency line worldwide, travel assistance, doctor and hospital finder via the Allyz app, Doctor Chat, symptom checker.
Flexible contract term up to 24 months, billed to the exact day. If you return early, you get a refund by the day. Confirmation of insurance in English for your visa. Worldwide cover, USA and Canada with a special tariff.
