Insurance solutions for Work & Travel Programs

Work & Travel participants combine short-term employment with travel, moving between structured work environments and independent exploration.
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Their insurance should be flexible, affordable, and adaptable — covering both job-related activities and personal experiences along the way.

That’s why our solutions are designed for short-term programs, offering customizable coverage, reliable access to care, and peace of mind for participants and your organization.
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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.

Recommended coverage Structure

How a W&T 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 $500,000 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.
  • Exclusions should be reviewed and adjusted based on the specific program activities and work environment
  • Exclusions for recreational and/or off-road vehicles often need to be customized depending on the modes of transpiration used where the participant is living
  • Exclusion for sports and hazardous activities should be carefully reviewed and customized if necessary
  • Exclusion for mental health often needs to be changed to a limited benefit for both out-patient and in-patient
  • Exclusion for pre-existing conditions should be carefully reviewed and customized if necessary
  • Exclusion for STD's or common skin disorders 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 participant 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 participants hosted in the USA
  • Assistance provided by the claim administrator for participants 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 Work & Travel participants
  • Digital access to policy, ID card and other documents
  • Claims support and guidance
  • Education and guidance to help participants understand when to file claims under Worker’s Compensation (U.S. programs)
  • Educational resources for participants and organizations

This sample structure is based on our experience with Work & Travel 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.

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