Work & Travel programs

Insurance solutions for Work & Travel programs

Your participants work, travel and move around, from hospitality to farm jobs. Their coverage should adapt to every role and stay affordable.

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Illustration of a backpacker with laptop traveling the world
Built for work and adventureOn the job, on the road, in their free time

Supporting Your Program Responsibilities

What matters most in Work & Travel Programs?

Work & Travel programs bring together structured work environments and individual freedom — from hospitality roles to agricultural settings and everything in between. Participants’ activities can vary widely, and insurance must reflect this flexibility — with coverage that adapts to different roles, lifestyles, and locations while remaining accessible and cost-effective.

Activity-based Coverage

Work & Travel programs vary widely depending on the role and location. Coverage should adapt to job-related and leisure activities, based on the specific program setup.

Affordable Plan Design

Short-term participants need cost-effective solutions. Plans should offer flexible deductibles, copays, and overall pricing to match different budgets.

Telemedicine

Quick access to care is essential, especially in unfamiliar environments. Telemedicine provides fast medical support without unnecessary complexity or travel.

Baggage Insurance

Participants are often on the move. Coverage should include protection for lost, stolen, or delayed baggage during their entire time abroad.

Your responsibilities

What matters most in Work & Travel programs

Work & Travel brings together structured work and individual freedom. Your coverage should adapt to different roles, lifestyles and locations, while staying simple and cost-effective.

  • 01Activity-based coverageAdapts to job-related and leisure activities, based on the specific program setup.
  • 02Affordable plan designFlexible deductibles, copays and pricing to match different budgets.
  • 03TelemedicineFast medical support in unfamiliar places, without unnecessary travel.
  • 04Baggage insuranceProtection for lost, stolen or delayed baggage throughout the stay.

Sample plan

How a Work & Travel solution can be structured

An overview of a typical structure, based on our experience with Work & Travel programs.

Final coverage, benefits and limits are always tailored to your program requirements, destination, participant profile, insurance carrier and claims administrator.

Medical coverage highlights10
  • Overall policy maximum between $100,000 and $500,000, available per illness or per injury
  • Deductibles, copayments and coinsurance kept as low as reasonably possible
  • Emergency room care, with education on when it should be used (U.S. programs)
  • Affordable, easy-to-access urgent care, walk-in clinic and telemedicine options (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 (optional)
Exclusion options7
  • Standard exclusions applicable to the population, with the ability to customize
  • Exclusions reviewed and adjusted to the specific program activities and work environment
  • Exclusions for recreational and off-road vehicles, often customized depending on the modes of transportation used where participants live
  • Exclusions for sports and hazardous activities, carefully reviewed and customized if necessary
  • Exclusions for mental health, often changed to a limited benefit for outpatient and inpatient care
  • Exclusions for pre-existing conditions, carefully reviewed and customized if necessary
  • Exclusions for STDs and common skin disorders, carefully reviewed and customized if necessary
Emergency assistance services5
  • 24/7 multilingual emergency medical assistance and support
  • Medical evacuation and repatriation
  • Repatriation of mortal remains
  • Compassionate emergency visit (round trip home and back in case of a death or life-threatening condition of an immediate family member)
  • Bedside (family reunion) benefit: round-trip ticket plus meals and lodging for one family member if a participant is hospitalized for a certain number of days
Additional benefits4
  • Mental health and wellness program access, including crisis care (U.S. programs)
  • Telemedicine access
  • PPO network with direct billing for participants hosted in the U.S.
  • Claims administrator support in arranging direct payment for participants hosted outside the U.S., when necessary
Optional add-ons12
  • Liability coverage
  • Baggage coverage
  • Telemedicine, teletherapy and teledentistry buy-up (U.S. programs)
  • Online pharmacy discount program (U.S. programs)
  • Trip interruption, trip delay and trip cancellation
  • Legal advice
  • Emergency bail bond
  • Lost documents and emergency cash assistance
  • Terrorism coverage
  • Search and rescue
  • Political, security and natural disaster evacuation
  • Kidnap consultant fees
Program support and access5
  • Dedicated account manager to advocate for and assist Work & Travel participants
  • Digital access to policy, ID card and other documents
  • Claims support and guidance
  • Guidance on when to file claims under workers’ compensation (U.S. programs)
  • Educational resources for participants and organizations

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 requirements or just want to explore options.

Request your customized plan or contact us