Insurance for internship abroad

International insurance for internships sbroad

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To what extent are you insured while studying abroad? 

For special sports and activities, luggage, medical expenses?
For liability, legal assistance, or SOS assistance?

 

Internship abroad with the right insurance

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What is insurance for an internship abroad?

  • Insuring an internship abroad means taking out insurance that continues to provide coverage during your internship abroad
  • Insurance for internships abroad are also referred to as internship insurance. This internship insurance is specifically for when you go abroad for a long period of time to work as an intern, take courses, or conduct research abroad.
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Why should you take out specialized travel insurance for an internship abroad?

  • There may be several reasons why you need separate insurance for an internship abroad.
  • During internship activities abroad, additional requirements may apply as soon as you start performing work that involves additional risks. Only specific insurance policies offer coverage during these activities.
  • During your internship, the risk of accidents is sometimes greater, for example because you are doing work with which you have little experience or because of the nature of the work.
  • During your internship, local employers generally do not offer insurance, or offer limited insurance that does not provide sufficient coverage.
  • During an internship abroad where you receive financial compensation (or, for example, food or accommodation), your home country's health insurance coverage will potentially lapse. You will then need special insurance to remain insured for illness and accidents.
  • Regular travel insurance policies generally provide coverage for trips of a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that for the entire travel period, you will not be covered.
  • Regular travel insurance policies generally only provide coverage for recreational trips without work activities.
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What is important when you are going to be an intern abroad?

  • That you have insurance that is valid in the area where you will be traveling and doing your internship.
  • That you are adequately insured for the sports and activities you will be participating in.
  • That you are insured for emergency assistance and early return in case something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost (what it actually costs), and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability and, preferably, also for liability during your internship.
  • That you are well insured in case of accidents.
  • That you insure yourself for legal assistance if there is an immediate reason to do so, unless the coverage is already automatically included in the insurance.
  • That choose the right coverage for internship work in healthcare, with wild animals, or with dangerous machinery!
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What insurance do you need you are going to be an intern abroad?

  • See further down this page
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Check: why JoHo     Choose: which insurance    More about international insurance

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International Insurances for Internship or Traineeship Abroad through JoHo Insurances and WorldSupporter

  • Working as a trainee or intern abroad offers a great learning experience. Meet new people and make a difference! You will develop your knowledge and skills, as well as that of others. You will gain international skills, contribute to the goals of the hosting organization and gain useful experience for on your resume.
  • However, just like at home there is always a chance that something goes wrong during your time abroad. Such as sickness, accidents, stolen luggage and of course things that can go wrong back home that you may need to return for. 
  • If you have the right travel insurance, it will help you financially and offer help when you need it. On this page you can read about how you can make sure you’re properly insured before, during and after your work as an intern or trainee abroad.
  • To what extent are you insured while working abroad as intern or trainee? For liability, special sports and activities, luggage, medical expenses, accidents, legal assistance, or SOS assistance?
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Why should you take out insurance with or through JoHo Foundation when you go abroad?

Why should you take out insurance with or through JoHo Foundation when you go abroad?

Why should you take out insurance through the JoHo Foundation?
Why should you take out insurance with the JoHo Foundation?

  • Specialized: in emigration, work, internships, study and travel abroad.

  • Service: JoHo offers multiple travel insurances by multiple companies. Thanks to JoHo's extensive experience, it can offer support in case of problems with insurers, as well as advice and fast and personal handling.

  • Safe: JoHo is recognized as a trustworthy intermediary for insurances.

What can you expect from JoHo when take out insurance with the JoHo Foundation?

  • JoHo is one of the few organizations where you can directly purchase a comprehensive range of foreign insurances from a variety of insurers. As with the other products and services, JoHo believes that you should be able to choose between the best, the most cost effective and the most specialized insurance.

  • JoHo offers various possibilities from combining insurances to assisting in transferring from one insurer to another.

  • When you purchase an insurance policy with JoHo, you will not pay more than if you had purchased it directly from the insurer. Sometimes (through special collective agreements) you will even pay less.

  • JoHo offers support with problems that may arise with the insurer. Sometimes disagreement with claims, cancellation notice or insurance premiums can occur. In this situation it helps if you have the assistance of an organization who has an established relationship with the insurer

  • JoHo also provides information about insurance policies that you do not take out with JoHo, but through JoHo. In this case, JoHo does not act as an intermediary. Only basic information is provided about these insurance policies. Personal advice or assistance with problems between the insured and the insurer is not possible in this case. If this type of insurance is involved, this will be explicitly stated.

Read more about JoHo and JoHo Insurances

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What insurance can you choose

Options for internship abroad insurances:

CareMed International Insurance for volunteers, students, interns, work and travel and au pairs

CareMed International Insurance for volunteers, students, interns, work and travel and au pairs

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Table of contents

  • Brief description of the CareMed International Insurance 
  • Why take out the CareMed International Insurance via the JoHo Foundation
  • Coverage and documents of the CareMed International Insurance
  • Applying for the CareMed International Insurance

CareMed International Insurance: characteristics

Core
  • Caremed insurance is an international insurance policy for interns, students, volunteers, and working holidaymakers.
Costs
  • In terms of cost, the insurance is slightly below average for working holiday insurance policies.
Type of insurance 
  • A temporary travel insurance policy.
  • A specific international travel insurance policy focused on work and travel activities abroad.
  • An insurance policy that prioritizes insurance over slick websites.
  • A good option for those who cannot take out suitable insurance in their own country or are looking for specific coverage.
Type of insurer
  • Insurance provider: the insurance is offered by CareMed GmbH, based in Bonn, Germany, which specializes in international insurance products for exchange programs and studying abroad.
  • Insurance companies: Chubb and Arch Insurance Company, from the United States, among others, act as the underlying insurance companies.
  • Insurance service providers: AXA assistance, among others.

CareMed International Insurance: duration limits of coverage

Duration minimum:
  • The insurance must be taken out for the entire stay abroad.
Duration maximum:
  • The maximum duration is 13 or 24 months.
  • After this period, you can extend the insurance period under the insurance conditions applicable at that time.
Renewal
  • if you choose to extend your stay abroad it is possible to apply for an extension of the policy by logging in on your personal account
  • please note that an extension of the insurance cannot be guaranteed.

CareMed International Insurance: location and area limits of coverage

Countries and territories
  • There is worldwide coverage outside your home country. Coverage does not include your home country.
  • Insurance needs to be taken out prior to departure from your home country (until 31 days after departure the latest) and for the entire stay abroad
Visa acceptance
  • CareMed travel insurance is accepted worldwide for your visa application. This applies to all working holiday visas (e.g., working holidays in Australia, New Zealand, and Canada), F1, F2, H2B, J-1, J2, and M1 visas for entry into the US, and Schengen visas for Europe.

CareMed International Insurance: nationality and age limits of coverage

Nationalities
  • Anyone can take out CareMed Travel Insurance online, regardless of nationality.
Minimum age
  • Anyone older than 3 months can take out travel insurance with CareMed.
  • For destinations in the US and Canada, the minimum age is 6 years.
Maximum age
  • The maximum age is 69 years.
  • For destinations in the US and Canada, the maximum age is 65 years.

CareMed International Insurance: parts of the coverage

Coverage of activities
  • Adventurous activities are included. Choose the additional option for "Risky sports" if you will attend a sports college or have other activities on your itinerary with extra risks.
  • Coverage for au pair work, travel, sports, study, volunteer work, internships, and working holidays abroad, with limited risk.
  • Coverage for work:  insurance is specifically intended for people who want to travel and be active in temporary jobs and volunteer work while on the road. Coverage is always provided for activities under a J-1, J-2, and H2B visa for entry into the US or a Working Holiday Visa for entry into Australia or New Zealand. Please note that this insurance is not intended for people who are going abroad for permanent residence and a career abroad.
Medical expense coverage
  • Optional coverage for medical emergencies abroad with or without a deductible.
  • Pre-existing conditions are not included in the coverage.
Personal accident coverage
  • Optional coverage.
Personal liability coverage
  • Optional coverage.
SOS and repatriation coverage
  • Coverage for medical evacuation, transport of a family member in case of emergency, search, rescue and recovery, repatriation of remains, assistance in case of loss of money and valuables.
Coverage for travel luggage
  • Optional coverage.
Travel cancellation
  • Optional cancellation coverage.

CareMed International Insurance: price and costs

Payment
  • The full amount for travel insurance can be paid by credit card or by direct debit from a German account. 
  • Payment is made monthly or in a single installment.
Price level
  • Premiums and rates vary depending on the age of the insured person(s) and whether the US and Canada are included in your travel plans.
  • Different premiums and policy conditions apply to the 0-39 age group than to the 40-69 age group.
  • Refunds for the remaining months are possible under certain conditions if you return home early.
Price quote
  • Available via the Caremed website.
Referral fee

CareMed International Insurance: support and application

Preparation:
  • Advice: check and read the description of coverage carefully during the proces of application, or getting a quote, so that you know what is covered and what not in detail
  • Please note: insurance terms and conditions are subject to change at any time, and information on the website or other websites may contain errors. Therefore, always check the most recent terms and conditions and information on the website of the insurance company you are applying to.
Service level of JoHo:
  • The CareMed International Insurance is only offered without direct mediation of an insurance intermediary. Unfortunately, JoHo Insurance cannot act as your official insurance broker with regard to this specific insurance, or in the event of problems with this insurer. 
  • However, JoHo Insurances remains available to advise you on your general insurance situation.
Take out the insurance:
  • Purchase the Caremed Insurance through JoHo by using the links here on WorldSupporter.org.
     

Apply or get a quote

 

... read more on the page, if applicable
World Nomads Travel Insurance

World Nomads Travel Insurance

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Table of contents

  • Brief description of the World Nomads Travel Insurance
  • Why take out the World Nomads Travel Insurance via the JoHo Foundation
  • Coverage and documents of the World Nomads Travel Insurance
  • Applying for the World Nomads Travel Insurance

 

 Brief description of the World Nomads Travel Insurance

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World Nomads Travel Insurance: characteristics

Core:
  • An international travel insurance with coverage for independent backpacker, backpackers, students and volunteers
Costs:
  • International travel insurance policies are generally in the higher price range. World Nomads Travel Insurance is also on the higher end of this category, partly due to the many additional coverage options.
Type of insurance:
  • Temporary travel insurance.
  • One of the main international travel insurances with a strong international character and lots of travel information extra's.
  • A serious option for those who cannot take out a suitable insurance from their home country.
  • For full coverage of internships, sports, volunteering or work abroad, you usually need additional coverage.
Type of company:
  • The insurance provider: World Nomads is the brand and distributor of the travel insurance you buy on worldnomads.com and associated sites  it does not issue the policies itself as an insurance company, but sells and services them.
  • The insurer: World Nomads uses local insurance companies (insurers) licensed in each country to issue the policies. In Europe the products are manufactured by Collinson Insurance Europe Limited (CIEL). In other markets travel policies products are manufactured by companies like Tokio Marine HCC, the American organization that also is behind the SafetyWing Nomad insurance.
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World Nomads Travel Insurance: duration limits of coverage

Duration minimum:
  • No minimum limit
Duration maximum: 
  • Up to 180 days per policy, with options to extend or buy new policies to reach a total of 12 months (365 days) for your entire journey. 
  • In case of the annual multi-trip insurance: 12 months total coverage (each trip within that year is limited to 45 days)
Renewal:
  • You can extend when your plan changes, as long as you have not returned home.
Start and termination:
  • The coverage starts the moment you depart your country of residence or in some cases, like the trip cancellation, it may start immediately.
  • The coverage ends on the date shown on your Certificate of Insurance, or the moment you return to your country of residence, or when the maximum trip duration allowed by the policy is reached. Once one of these happens, cover automatically stops.
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World Nomads Travel Insurance: location and area limits of coverage

Areas and countries:
  • Worldwide coverage outside the usual country of residence.
  • The insurance fare and premiums vary depending on the countries you plan to visit. Destinations with higher medical costs usually lead to higher premiums
Home country return:
  • In case of a medical emergency abroad, the insurance will repatriate you back to your home country for long-term care. Once you return home, your coverage for that injury or illness ends, and you must rely on the local healthcare system of your home country.
Home country visit:
  • Coverage in your home country is generally suspended during a temporary visit. The insurance remains valid for the remainder of your trip once you leave again, provided it has not reached its original end date. 
Location:
  • Possible to apply, even when you are already abroad.
Risky destinations: 
  • The insurance does not offer war and high risk zone insurance.
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World Nomads Travel Insurance: nationality and age limits of coverage

Current situation:
  • If you are a resident of the European Union, World Nomads is currently unavailable for purchase. 
Nationalities:
  • Cover is available to residents of the many counties listed on the World Nomads website
Maximum age:
  • Age limit may vary, depending on country of permanent residence. Generally the age limit is 79 years.
Minimum age:
  • No minimum age
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World Nomads Travel Insurance: parts of the coverage

Activities coverage:
  • Standard coverage: coverage for traveling, sports, studying, volunteering, internship and work abroad with low risks and non-manual work
  • Optional coverage: coverage for activities and sports with more risks 
  • Special features:
    • policy conditions and adventure sport coverage differ depending on country of permanent residence.
    • many activities have "special conditions," such as requiring a licensed guide or excluding personal liability.
    • you generally cannot upgrade your activity level once your trip has started. 
Medical coverage:
  • Standard coverage: for medical emergency abroad and dental expenses
  • Special features: coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage. During the process of getting a quote or your application, you will have access to the terms and conditions that apply to you
Personal accident coverage:
  • Coverage not standard included
Personal liability coverage:
  • Standard coverage is depending on your country of permanent residence
SOS and repatriation coverage:
  • Standard coverage: coverage for 24 hour emergency assistance, emergency medical transport and repatriation
  • Special features: hijacking can be included as an add-on
Travel luggage coverage:
  • Standard coverage: coverage applies to gear that is lost, stolen, or accidentally damaged, provided you took reasonable care of it
  • Special features: additional cover for digital nomads, with extended coverage for cameras, laptops, notebooks
Trip cancellation:
  • Standard coverage with a maximum
Trip Interruption:
  • Standard coverage with a maximum
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World Nomads Travel Insurance: price and costs

Payment:
  • Online payment can be done by credit card
Price level:
  • How much does World Nomads travel insurance cost?
    • Minimum: costs start at around €4 per day on average.
    • Maximum: costs can rise to almost €10 per day, depending on your age, destination, specific activities, and chosen coverage.
  • No policy refund available should you return home early.
Price quote:
  • Check de online quote and application tool on the World Nomads website
Referral fee:
  • World Nomads Travel Insurance will donate a small fee to WorldSupporter if the insurance is taken out through a JoHo Insurance link. All income from the purchase of these insurance will be used for the WorldSupporter and Smokey Slum projects
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World Nomads Travel Insurance: support and application

Preparation:
  • Advice: check and read the description of coverage carefully during the proces of application, or getting a quote, so that you know what is covered and what not in detail
  • Please note: insurance terms and conditions are subject to change at any time, and information on the website or other websites may contain errors. Therefore, always check the most recent terms and conditions and information on the website of the insurance company you are applying to.
Service level of JoHo:
  • The World Nomads Travel Insurance is only offered without the mediation of an insurance intermediary. Unfortunately, JoHo Insurance cannot act as your insurance broker with regard to this specific insurance, or in the event of problems with this insurer. 
  • However, JoHo Insurances remains available to advise you on your general insurance situation.
Take out the insurance:

 

Apply: World Nomads Travel Insurance

 

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... read more on the page, if applicable
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International Insurances for Internship or Traineeship Abroad through JoHo Insurances and WorldSupporter

  • Working as a trainee or intern abroad offers a great learning experience. Meet new people and make a difference! You will develop your knowledge and skills, as well as that of others. You will gain international skills, contribute to the goals of the hosting organization and gain useful experience for on your resume.
  • However, just like at home there is always a chance that something goes wrong during your time abroad. Such as sickness, accidents, stolen luggage and of course things that can go wrong back home that you may need to return for. 
  • If you have the right travel insurance, it will help you financially and offer help when you need it. On this page you can read about how you can make sure you’re properly insured before, during and after your work as an intern or trainee abroad.
  • To what extent are you insured while working abroad as intern or trainee? For liability, special sports and activities, luggage, medical expenses, accidents, legal assistance, or SOS assistance?