Working Holiday Insurance (WHV) & Digital Nomad Insurance

In many cases, you can’t rely on “basic travel insurance” for a Working Holiday Visa (WHV). Depending on your destination and personal situation, authorities may request proof of WHV insurance to complete your application or during checks on arrival. To avoid last-minute issues, always confirm :

• the coverage period (from departure to return),
• the geographical area (your WHV country + any countries you’ll visit),
• the key benefits (medical care, hospitalization, assistance, liability).

For the full checklist, read our complete guide to WHV insurance. And if you also want to protect your income and loved ones long-term, explore international life and income insurance.

WHV travel insurance usually targets shorter, classic trips (tourism-focused benefits and limited duration). Working holiday insurance is built for longer stays and life “on the ground”: working locally, moving often, and needing stronger coverage for routine care and hospitalization, closer to an expatriate lifestyle.

Before you choose, ask yourself :

• Will you stay for several months or follow a multi-destination route ?
• Will you work remotely abroad as a digital nomad ?
• Do you need solid coverage for routine care and hospitalization ?

To budget smarter by destination, check cost of living abroad. And if you’re planning a long multi-continent trip, read our tips for a round-the-world trip.

Yes. In Canada, the duration of your Working Holiday insurance can matter in a very practical way: you may need to show insurance that covers the full length of your stay, and coverage that’s too short can create complications (formalities, extensions, and checks). To stay on the safe side, align :

• your travel dates (arrival/departure),
• the total duration (even if you plan to return earlier),
• your itinerary (especially if you’ll leave and re-enter Canada).

See details and best practices in WHV Canada insurance.

If you travel on a Working Holiday Visa to Australia or New Zealand, match your coverage to real-life WHV conditions: seasonal jobs, road trips, sports, long distances, and sometimes expensive access to care. At minimum, aim for:

• medical expenses (emergencies + unexpected care),
• hospitalization,
• third-party liability,
• repatriation assistance,
• 24/7 medical support.

For destination-specific guidance, check WHV insurance Australia and WHV insurance New Zealand.

You typically receive your certificate as soon as you complete your subscription. Then you present it when requested (visa application, arrival checks, renewal/extension, or administrative procedures). To avoid back-and-forth, make sure the certificate states :

• your identity,
• your coverage dates,
• your geographical area,
• your main benefits (at least medical care/hospitalization/assistance).

Follow the step-by-step process in obtaining an international health insurance certificate. And if you work remotely, this guide helps you frame your situation : teleworking abroad and health insurance.