Insurance for a Working Holiday Visa: Our Guide to Choosing the Right One

Which Insurance to Choose for a Working Holiday Visa? Our Guide

Going on a Working Holiday Visa (Permis Vacances Travail) is an exciting experience full of discoveries and adventures, but it also comes with its share of risks. That’s where insurance for a Working Holiday Visa becomes essential. Choosing the right insurance allows you to travel with peace of mind, knowing you're covered in case of accidents, illness, or unforeseen incidents. In this article, we offer a complete guide to help you choose the Working Holiday insurance that fits your needs.

 

Why Insurance Is Essential for a Working Holiday Visa

Getting insurance for a Working Holiday Visa isn’t just recommended — in some countries, it’s mandatory. Whether you're heading to Australia, Canada, Japan, or elsewhere, authorities often require adequate medical coverage to issue your visa.

Beyond the legal requirement, insurance protects you against exorbitant medical expenses abroad, emergency repatriation, or even lost luggage. A simple doctor’s visit abroad can cost hundreds, if not thousands of euros in some countries, and hospitalization for serious emergencies can quickly become a financial nightmare.

 

 

Chapka Cap Working Holiday: The Go-To Option for WHV Travelers

Our partner Chapka offers insurance specifically designed for Working Holiday Visa participants. Here are the main benefits of this coverage:

- Unlimited medical coverage: It covers 100% of medical and hospital expenses, even in the case of COVID-19.

- Emergency repatriation: If you need to be repatriated to your home country for medical reasons, Chapka covers the return costs.

- Medical teleconsultation: You have 24/7 access to online consultations with French-speaking doctors — a valuable option in countries where language could be a barrier.

- Liability and property damage: You're covered for damages you may cause up to €4,000,000, and up to €100,000 for damage to rented property.

With Chapka, by using our link, you get a 5% discount on Cap Working Holiday and Cap Student insurance plans.

 

Chapka Cap Student: Another Option for Students on a Gap Year

For those primarily going abroad for studies or internships, the Cap Student insurance from Chapka may be more suitable. Here are its main inclusions:

- Comprehensive medical coverage: 100% of medical and hospital expenses, even in the case of COVID-19.

- Medical teleconsultation: 24/7 access to French-speaking doctors.

- Tenant liability: Covers material damage in your accommodation.

- Medical expenses and hospitalization: Unlimited medical and hospital expenses with no deductible.

- Study interruption option: Reimbursement of tuition fees in case of repatriation or extended hospitalization.

- Internship equipment damage: Coverage up to €12,000 for damaged equipment during an internship.

This plan is especially suited if you are a student aged between 12 and 39, studying or doing an internship abroad.

 

How to Choose the Right Insurance for a Working Holiday Visa?

Here are some criteria to consider when choosing your insurance for a Working Holiday Visa:

1. Scope of medical coverage

Your insurance should cover medical costs in full. Make sure this includes not just doctor visits, but also hospitalizations, specialized care, and repatriation if needed. The risk of illness or accident is never zero — even if you’re in great health.

 

2. Emergency repatriation

Repatriation is a crucial benefit. In case of an accident or serious illness, you may need to return to your home country for treatment. Repatriation costs can reach several thousand euros, so this should definitely be included in your plan.

 

3. Baggage protection and civil liability

Theft, damage, or loss of luggage can quickly ruin your adventure. A good Working Holiday insurance plan should cover these incidents. Also, civil liability is important in case of bodily or material harm caused to others. Some policies, like Chapka’s, offer up to €4,000,000 in coverage — a significant safety net.

 

4. Contract flexibility

Some insurance providers allow you to renew or extend the contract directly while abroad. This can be very useful if you decide to extend your stay. Also check for flexible payment options (e.g. in installments) so it doesn’t strain your initial budget.

 

5. Worldwide coverage

Some insurance plans cover you not only in the country where you're doing your Working Holiday Visa, but also in other countries you may visit during your holidays. Chapka offers worldwide coverage (up to 90 days), a great bonus for those planning to travel during their WHV.

 

In Summary...

Insurance for a Working Holiday Visa is not an expense to overlook. A solid policy will protect you from the uncertainties of life abroad, while giving you the peace of mind to fully enjoy your adventure. Chapka, with its Cap Working Holiday plan, stands out for its broad coverage and services tailored to young travelers. By using our link, you’ll benefit from a 5% discount on this insurance. Don’t forget: good preparation is the key to a successful experience abroad!