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Is travel insurance for working abroad different to travel insurance for holidaying?

8 replies

KatyMac · 29/08/2018 21:09

I'm assuming it is - where would I look for insurance for a short term contract working abroad?

& is there anything I should look out for or avoid?

I'm assuming the EHIC isn't enough

OP posts:
eurochick · 29/08/2018 21:11

Most standard travel insurance policies have a trip limit- often around 30 days. Some are longer. If working abroad you probably need health and property insurance in that country, like a local.

KatyMac · 29/08/2018 21:14

It's 7 weeks

OP posts:
schooltripwoes · 29/08/2018 21:23

I travelled / worked (legally) for a year abroad in my early 20s. My policy covered me for the whole year and wasn't hard to get. I can't remember who it was with but they do exist.

Spanglyprincess1 · 29/08/2018 21:25

Marsh and other companies offer this kind of insurance and you do need it

KatyMac · 29/08/2018 21:27

Yes the company said oh the EHIC will be fine & I'm thinking.....maybe not!

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vitaminC · 29/08/2018 21:40

The EHIC won't cover everything. In most countries you will have to pay a percentage of the cost yourself. Also, EHIC is only for emergencies and doesn't cover the cost of flying you home if injured etc.
If you have other insurance policies, I'd start by asking your reglar provider for a quote. And then compare with a travel-specific provider.

KatyMac · 29/08/2018 21:45

We changed everything this year and are with direct line apart from the cat!!

I'll have a look on their webste or give them a ring

Thanks

OP posts:
specialsubject · 30/08/2018 12:56

yes, totally different - and the EHIC isn't enough even for a holiday as you may (hope not!) need repatriation, cancellation etc etc. If the company say it is they are well dodgy.

working invalidates normal travel cover, as does overstaying. As just one example, look up Stephanie Inglis and what happens if you don't have the right insurance abroad. Happily she was famous enough for a crowdfund to raise £300k and even more happily she recovered.

bTW if outside the EU you need the right visa too.

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