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Working while abroad

Non manual/clerical work such as working in an officebar/restaurant work or teaching English as a foreign language is covered automatically.  If you'll be volunteeringWWOOFing or partaking in any sort of manual labour, like working on a farm or conservation work our activity pack add-on can cover you..

Ski season / seasonaire cover

If you’ll be working at a ski resort or travelling just to ski/snowboard for a season, our Winter Sports add-on can cover skiing/snowboarding in your leisure time. Lift operator work and or work of a manual nature is covered with our Activity Pack add-on. Non manual work like working in a chalet or restaurant is covered automatically.

Unlimited Home Visits

If your policy is over 4 months you can put your travels on hold and return home at any time should you feel the need. We are happy to offer completely unrestricted access back home even if you’re just feeling a little homesick! We have no limits, so you can come back for as long or as short as you like!

Extend cover from Overseas

If at any point you realise you're not quite ready to return home, you can extend your insurance to include the remainder of your trip. Even if you don't have a policy with us.

Cover for 156+ Activities

Whether you'll be scuba diving, jet skiing, bungee jumping, sky diving, trekking above 2,600m or kayaking. Our Activity Packs can cover various levels of adventurous sports.

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Get Cover if Already Travelling

You don't need to be in your Home Country to get cover, you can buy a policy from anywhere in the world, as long as you hold residency status in the UK or EU. Just follow the Quote form to get a price and complete your purchase.


Up to £10m Medical
Cover


24 hour Emergency
Helpline


Cancellation & Baggage
Cover


Claim while you're
Travelling

Season Workers Travel Insurance

Enjoy peace of mind on your gap year or working holiday abroad with insurance from the adventure travel experts. Whether you fancy working in a ski resort, being a lifeguard in Australia, teaching English in your favourite foreign city, coaching sports, or helping to provide essential services in a developing country, we can help you make the most of your adventures overseas.

Big Cat specialises in affordable worldwide travel insurance for Working Travellers, Gap Yearers, Backpackers, Winter Sportsters, and all-round Adventurers.  What’s more, we’ve tailored our policies to cover not just the essentials but also some added benefits too.

Key Features of our Season Workers Travel Insurance Cover.

  • Emergency Medical and Repatriation Expenses up to £10 million.
  • Personal Liability up to £2 million.
  • Baggage & Personal Effects up to £2,000.
  • Gadgets & valuables cover up to £1000. 
  • Legal Expenses up to £15,000.
  • Personal Money up to £500.
  • Tickets up to £1,000.
  • Passport and Visa up to £300.
  • Winter Sports and Ski Season Cover.
  • Money-back 14-day cooling off period if you decide to cancel prior to departure.

Some FAQ's:

Riding a motorbike or scooter up to 125cc is automatically covered with all our policies. Riding a motorbike over 125cc can be covered with our Activity Pack Add-on.

If you are a pillion passenger on a motorcycle tour, such as the Ha Giang Loop, this is covered automatically and does not require any Activity Packs or any relevant licences.

When riding, you must always ensure you:

  • Wear an appropriate crash helmet.
  • Obey the Local road rules and laws
  • Have the relevant licence(s) required to ride a motorcycle in the country or countries you will be riding in. If the country you’re in requires you to obtain a specific in-country licence to legally ride a motorcycle, then to be covered, you must obtain this licence.
  • If all that’s required is an International Driving Permit (IDP), and you hold an IDP, then there’s no need to go about getting any more licences.
  • Be aware that an IDP will only allow you to ride the same class of vehicle as your home licence allows. So, if you’re not licensed to ride a motorbike at home, you’re not licensed to ride a motorbike abroad under your IDP. It's up to you to make sure you are licensed for the type of motorcycle you hire.
  • You should always ensure the bike is fully insured (motor insurance arranged by the company that owns the bike) as there is no Personal Lability cover whilst riding a bike. We cannot cover any participation in competitions or racing or any kind.


23 people found this faq useful.

If you get sick while travelling or you're seriously injured you are covered for emergency medical treatment including:

  • Hospitalisation
  • Ambulance costs
  • Surgery and follow up treatment
  • Visits to the Doctor
  • Repatriation
  • Prescribed Medicine
  • Emergency dental treatment to relieve pain and suffering (limited to £350)

24hrs Medical Emergency Assistance.

 


2 people found this faq useful.

Decide Canada’s not for you, and want to return earlier than your full period of insurance?

Other insurers will tell you to wave goodbye to your money, but Big Cat lets you claim a partial premium refund for the unused time you didn’t stay in Canada.

 

How does the EARLY RETURN REFUND work?

Let’s say you buy a 24-month policy to cover your time in Canada. But after nine months, you decide that Canada’s not for you, and you want to return home. You may have invested a substantial amount for your 24 months Big Cat policy, most of which you’ll now no longer need. Unlike most insurers, Big Cat is happy to offer you a partial refund on the redundant portion of your insurance as a fair’s fair consolation. Please note that travel insurance premiums are not calculated on a pro-rata basis, as such, no refund is calculated in this manner either.

 

How does Big Cat calculate the amount of EARLY RETURN REFUND?

We take the length of time of the original policy and subtract the actual amount of time you have used, and payout the difference, deducting a £50 Cancellation Charge.

 

Are there other conditions that apply to my EARLY RETURN REFUND?

  1. Only applicable to 24 month IEC policies.
  2. We are not able to offer refunds to cover the first 6 months of the policy.
  3. No refund can be given on a policy where a claim has been made or is likely to be made prior to the cancellation of your Big Cat policy.
  4. You must be back in your home country and notify us by email of your wish to cancel the policy within 14 days of your arrival, please also provide us with proof of your return to the UK (flight ticket / e-ticket / boarding pass).
  5. All refund calculations are based on the base premium paid only. Add-ons are non-refundable.

 

Can you give an example of how much I could receive back in my EARLY RETURN REFUND?

Say you took out a 24-month budget IEC policy costing £525.24, then you wish to cancel the policy after 9 months. Our 9-month budget IEC policy costs £312.55. So we deduct £312.55 from £525.24 = £212.99

Then we apply the £50 Cancellation Charge, refunding you a total of £162.99.


9 people found this faq useful.

Temporary return to home country (Single trip policies only) Where cover has been purchased for a total duration of 4 months or more, and you want to return to your home country during the period of insurance for any reason that is not directly or indirectly caused by arising or resulting from, or in connection with a claim under this insurance all cover under this policy will be suspended from the time that you clear customs in your home country and restarts after the baggage check in at the international departure point for the return flights, international train or ferry to the overseas destination. Any illness, disease, injuries, accidents which existed, showed symptoms or were diagnosed in the previous trip(s) during this period of insurance will not be covered in the restarted period of insurance.


25 people found this faq useful.

To add any of our Activity Packs, just follow the Quote form - to stage 3 - there you will find all of the optional extras.


3 people found this faq useful.

Means WWOOFing, fruit picking, casual farm work. Other Manual Work can be covered as long as it does not involve the use of plant/trade/industrial/agricultural machinery (other than tractors) or non-domestic power tools.

Please get in touch if you'd like to find out if we can provide cover for any light manual work you will be doing.


3 people found this faq useful.

WWOOfing is classed as Permitted Manual Work, so with the Activity Pack, you’re covered.

(see above)


3 people found this faq useful.

Yes, bar work or working in a chalet is automatically covered with all of our policies.


5 people found this faq useful.

Non-manual/clerical work is covered automatically with a Big Cat policy. So, there’s nothing you need to add to be covered for things like teaching, caring or nursing.

With the Activity Pack, we can also cover work of a more manual nature. This can include things like WWOOFing, partaking in community or wildlife based conservation work, charity based supervised building / renovation projects or other permitted manual work (defined below).

Cover is excluded for any activity that involves the use of industrial machinery (other than tractors) or non-domestic power tools.


6 people found this faq useful.

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388)  is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services.  All rights reserved.