Insurance solutions for Au Pair Programs

Au Pair participants live as part of a host family, balancing cultural exchange with real daily responsibilities.
Their insurance should support more than emergencies — it should work in everyday life abroad.

That’s why our solutions are designed for long-term stays, ensuring easy access to care, continuous support, and peace of mind for participants, host families, and your organization.
image of customer service area for a trucking company

Supporting Your Program Responsibilities

What matters most in Au Pair Programs?

Living with a host family and caring for children creates a different set of everyday challenges.
From frequent exposure to common illnesses to real responsibility within the household, Au Pair participants face situations that go beyond standard travel scenarios.Insurance should be designed to support these realities — in practical, accessible, and flexible ways.

Everyday Care

Living with children means frequent exposure to colds, infections, and minor illnesses. Coverage should make it easy to access care quickly — not just in emergencies, but in everyday situations.

Wellbeing Support

Adjusting to a new environment while staying active in daily routines can impact physical and mental wellbeing.
Access to preventive care, check-ups, and mental health support helps maintain long-term health.

Flexible Coverage

Au Pair programs don’t always follow a fixed path. Coverage should adapt easily to extensions, early returns, or changes in placement. Coverage should also be customized to reflect the specific requirements of each Au Pair program.

Liability Protection

Being part of a host family comes with real responsibility. Insurance should cover accidental damage, injuries, and risks that arise in daily family life and childcare.

Recommended coverage Structure

How an Au Pair insurance solution can be structured

This sample overview is designed to show the general structure of a possible solution.
Final benefits and included components will be adjusted based on your organization, destination, and participant profile.

Medical Coverage Highlights

  • Overall policy maximum between $100,000 to $2,000,000 available as per Illness per Injury
  • Deductibles, copayments, and coinsurance designed to stay as low as reasonably possible
  • Emergency Room Care available and education provided as to when it should be used (U.S. programs)
  • Urgent Care, Walk-In Clinic, and Telemedicine options must be affordable, easy to access, and encouraged when appropriate (U.S. programs)
  • Hospital treatment and ancillary charges
  • Physician services (office and hospital visits)
  • Physiotherapy
  • Prescription Drugs
  • Ambulance Transportation
  • Emergency Treatment of Pre-Existing Conditions benefit available as optional

Exclusions Options

  • Standard Exclusions, applicable to the population. This requires the ability to customize.
  • Exclusion for mental health often needs to be changed to a limited benefit for both out-patient and in-patient
  • Exclusion for routine and preventive often needs to be changed to a limited benefit
  • Exclusion for pre-existing conditions should be carefully reviewed and customized if necessary
  • Exclusion for sports and hazardous activities should be carefully reviewed and customized if necessary

Emergency Assistance Services

  • 24/7 Multilingual emergency medical assistance and support
  • Medical Evacuation and Repatriation
  • Repatriation of Mortal Remains
  • Compassionate Emergency Visit (round-trip return home and back in the event of a death or life-threatening condition of an immediate family member)
  • Bedside (Family Reunion) benefit. If a student is admitted for a certain number of days, a round-trip ticket and meal/lodging benefit for one family member.

Additional Benefits

  • Mental Health & Wellness Program access (crisis care) - only U.S. programs
  • Telemedicine access
  • PPO network providing direct billing for Au Pairs hosted in the USA
  • Assistance provided by the claim administrator for Au Pairs hosted outside the USA for arranging direct pay arrangements when necessary

Optional Add-ons

  • Liability Coverage
  • Baggage Coverage
  • Telemedicine, Teletherapy, Teledentistry buy-up available - only U.S. programs
  • Online Pharmacy Discount program - only U.S. programs
  • Trip Interruption / Trip Delay / Trip Cancellation
  • Legal Advice
  • Emergency Bail Bond
  • Lost Documents and Emergency Cash Assistance
  • Terrorism Coverage
  • Search & Rescue
  • Political, Security and Natural Disaster Evacuation
  • Kidnap Consultant Fees

Program Support and Access

  • Dedicated Account Manager to advocate for and assist Au Pairs
  • Digital access to policy, ID card and other documents
  • Claims support and guidance
  • Educational resources for participants and organizations

This sample structure is based on our experience with Au Pair programs. Final coverage, benefits, and limits are always tailored to your specific program requirements, destination, and participant profile, and insurance carrier and claims administrator.

Let’s design the right coverage for your program

Tell us about your program, and we’ll guide you through the next steps.
Whether you already have specific requirements or just want to explore options — we’re here to help.