Travel to Zambia to backpack, study, intern, volunteer, work, or live as a digital nomad, expat or emigrant?

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Image  Zambia

Intro

Backpacking or traveling in Zambia?

  • Zambia, the country of the famous Victoria Falls. But of course the country has much more to offer, especially in the field of nature. Tourism is growing, with lodges and activities springing up everywhere. Perhaps the next tourist hotspot of Africa! In addition, the population is also incredibly friendly and it is one of the safest countries in Africa. We can name 100 reasons to go to Zambia, but in the end you have to discover it yourself!
  • Spotting activities: well, the Victoria Falls of course, but did you know that you can even swim in the water? And further: stay in a luxury safari lodge; admire the fruit bat migration; spot the African leopard in South Luangwa National Park; go on a sustainable walking safari in one of the many nature reserves; visit the more remote wilderness; go on a night drive through a national park and spot nocturnal animals such as civets and honey badgers; contribute to sustainable projects and learn about the Zambian way of life; walk through Livingstone. Spotting animals: elephants, lions, leopards, giraffes, wild dogs, buffalos, hippos, zebras, crocodiles, shoebills.
  • Spotting food: nshima, ifisashi, kapenta, chikanda, impwa, mopane worms (yes, really), t-bone steak, samp and beans, vitumbuwa, munkoyo.

Studying in Zambia?

  • Zambia has several universities and colleges that offer a wide range of good and interesting studies. The University of Zambia in Lusaka is the largest and most prestigious institution. Zambia is interesting if you want to learn more about African nature and wildlife, or for example ecotourism. Furthermore, studies such as medicine, engineering, agriculture, mining and business are popular.
  • Study cities: Lusaka, Ndola.
  • Language: English.

Internships in Zambia?

  • There are several internship opportunities in Zambia. For example, you can gain practical experience in nature conservation, community development, health care and wildlife management. You can also work in the tourism sector or at companies.
  • Competencies: intercultural communication, adaptability, leadership, problem-solving skills.

Volunteering in Zambia?

  • As a volunteer, you can make a good contribution in Zambia and the language barrier is a lot smaller because people speak English. For example, contribute to projects in the field of sustainability, education, healthcare, community development, women's emancipation and chimpanzee protection.

Working in Zambia?

  • There are various jobs for foreigners in Zambia. For example, you can work as an expert in the mining industry, work in tourism, in education as a teacher or professor, at NGOs and development organizations or in healthcare.
  • Work culture: formal, but also relaxed and friendly, especially towards expats. There is no real rush and deadlines are a vague concept. So it can take some getting used to!

Working as a digital nomad in Zambia?

  • In Zambia you can certainly find a good experience as a digital nomad if you like a bit of (African) adventure. You will find Starlink, many cafes and especially in Lusaka a large expat community. And even better, your zoom call might be photobombed by one of the many wild animals of the country.
  • Favorite locations: Lusaka, Livingstone.

Living in Zambia?

  • Living in Zambia is a unique experience and especially attractive for nature lovers and people who are interested in African culture. The country is one of the safest countries in Africa and therefore also attractive to many expats.
  • If you love nature, Zambia is the place to be, it is one of the best countries for spotting wildlife during your working day, the people are very hospitable, it is safe and you learn a slow pace of life, but… healthcare is still limited, the infrastructure outside the big cities can be underdeveloped and the hot summers and diseases like malaria can also put people off.
  • Education: there are good options for international schools.
  • The expat community is growing and active! Safety: we said it already, it is certainly quite safe, but it is still good to stay informed about local conditions.
  • Sometimes you have to go to South Africa for complex health treatments. So make sure you have your own good health insurance.

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Preparation & Packing

Packing list for Zambia, travel insurance for Zambia, and taking your belongings

Packing list for Zambia, travel insurance for Zambia, and taking your belongings

Packing list for Zambia, travel insurance for Zambia, and taking your belongings

To take or not to take to Zambia, leave at home or arrange locally?
Sufficiently insured or not for your activities in Zambia?
Sufficiently insured or not for your trip to Zambia?

What to take with you to Zambia: spotlighted

Featured items:
  • Documents: Passport with at least six months validity, and copies.
  • Money: The local currency is the Zambian Kwacha (ZMW). Although credit cards are accepted in cities, it is useful to have cash with you for remote areas.
  • Care: Sunscreen and sun block, aftersun
  • Outdoor and practical items: Hat, travel cap or cap, a buff, scarf or bandana for protection from the sun. A good pair of sunglasses.
  • Clothing: Light clothing in neutral colours such as khaki, brown and green (so that you do not scare the animals during the safari!), long clothing for sun and mosquito protection, warm layer for early mornings and evenings. A light waterproof jacket. Swimwear for your chic lodge.
  • Shoes: Comfortable walking shoes and slippers/sandals for at the lodge.
  • Medicines and travel kit: A small first aid kit with plasters, painkillers, anti-diarrhoea medicine, ORS and anti-mosquito repellent. Technique and equipment: world plug with type C, D and G. Power bank, because the power can sometimes go out.
What are some other options for packing as well?
  • Mini binoculars or monocular for spotting wildlife.
  • Headlamp or flashlight.
  • Reusable water bottle with filter.
  • Quick-drying travel towel.
  • International driving license, if you want to rent a car.
  • Mosquito nets, impregnated mosquito nets or mosquito nets if you are going to really remote places. But most lodges have them for you.
  • Keep in mind, while packing, the season in which you go to Zambia: May-August is cooler and drier, September-October is hot and dry, November-April is warm and wet!

Are there mosquitoes in Zambia?

  • Mosquitoes in Zambia are not the shy type. Especially during the rainy season (November to April) they let you know that you are on their menu.
  • Unfortunately, they are not just any mosquitoes: Zambia is a malaria area, and you really do not want to get a plasmodium souvenir.
  • So protect yourself well with mosquito repellent, sleep under a mosquito net and wear covering clothing.

Are there sandflies in Zambia?

  • There are reports of sand flies in Zambia, especially in rural areas, but fortunately the risk is relatively low. So you probably won't be bothered by them.
  • Tsetse flies on the other hand... They occur in about 30-40% of Zambia and are no fun. They can cause "sleeping sickness" (African trypanosomiasis).
  • Your set of mosquito repellents with DEET can provide a solution in combination with covering clothing, good spray, and not sleeping on the beach without protection.

Can you buy DEET, or other mosquito repellents, in Zambia?

  • DEET and other mosquito repellents can be found in larger supermarkets in Zambia.
  • Popular brands are “Peaceful Sleep” and “Tabard”.
  • Many luxury camps also have mosquito repellent on site that you can use.

Can you buy a joint or weed in Zambia, or take it with you to Zambia?

  • Zambia is in the top three of countries with the most cannabis users - and yet they have some of the strictest laws in the world.
  • Although it was decided in 2021 that medicinal cannabis cultivation is permitted under a strict license, recreational use, possession and sale of cannabis remains strictly prohibited.
  • You risk long prison sentences and hefty fines if you are caught - and Zambian prisons are not exactly something to write home about.
  • So it is better not to take cannabis with you, as there are even stricter penalties.

Health, Insurance & Safety

How does healthcare work in Zambia, and what travel insurance, health insurance or expat insurance do you need?

How does healthcare work in Zambia, and what travel insurance, health insurance or expat insurance do you need?

How does the healthcare system work in Zambia?

  • Zambia has a mixed healthcare system comprising both public and private care. Good care can be found, depending on your location and which care centers you visit.
  • In larger cities such as Lusaka, Livingstone, and Ndola, reasonably good hospitals and private clinics are available. Outside urban areas, access to care is more limited, and facilities are often simpler.
  • Healthcare consists of:
    • public hospitals and health centers;
    • private clinics and hospitals;
    • mission hospitals and ngo projects.
  • For many residents, public care is the primary form of healthcare, while emigrants/expats and travelers usually make use of private care.
  • For specialist treatments or serious medical emergencies, people frequently turn to South Africa.
  • Ambulance services exist but are barely present except in Lusaka and other major cities. Furthermore, the quality and speed are not always reliable.
  • Ambulances have limited equipment, do not always carry trained paramedics, and are therefore difficult to access outside cities.
  • In emergencies, people sometimes choose transport via taxi or private car more readily. In major cities, most basic medicines are available through pharmacies and private clinics, provided they are still in stock.
  • English is the official language of Zambia and is widely used within the healthcare sector, which often makes communication easier for international residents.
  • International health insurance with evacuation coverage is highly recommended, as serious medical situations frequently require treatment outside Zambia.

How is public healthcare organised in Zambia?

  • Public healthcare forms the basis of the healthcare system and is accessible to a large part of the population.
  • Public healthcare focuses on, among other things:
    • basic healthcare.
    • vaccinations.
    • mother and child care.
    • treatment of infectious diseases.
  • Larger hospitals are present in urban areas, including university and regional hospitals.
  • Unfortunately, the public healthcare system is struggling with significant financial deficits, resulting in consequences such as staff shortages, limited equipment, medicine shortages, and long waiting times.

How is private healthcare organised in Zambia?

  • Private healthcare is primarily found in Lusaka and other larger cities and is widely used by wealthy locals and foreigners.
  • Many foreigners opt for private healthcare because waiting times are shorter and facilities are better and more modern.
  • There are also sometimes agreements between certain private clinics and companies employing expats, sometimes even on-site (such as at the mines).
  • However, costs are higher than in public hospitals, and payment in advance is usually required.
  • Because evacuation to another country is necessary in the event of serious health problems, good insurance with coverage in multiple countries is very important.

How is the general practitioner system organised in Zambia?

  • GPs are available in private clinics and urban areas.
  • In rural areas, people are more often dependent on nurses, health centers, or smaller clinics.

How is dental care organised in Zambia?

  • Dental care is available in Lusaka, primarily through private practices and hospitals.
  • You can go to several places for simple treatments, but specialist dental care is more limited. Foreign nationals generally choose to have major dental treatments performed in private clinics.

How is pregnancy and maternity care organised in Zambia?

  • Pregnancy care is an important part of public healthcare in Zambia. There are prenatal programs, health centers, and maternal clinics spread throughout the country.
  • Women can make use of prenatal check-ups, guidance by midwives, and deliveries in health centers or hospitals.
  • The quality varies greatly between urban and rural areas.
  • For foreign nationals, private care or treatment abroad is usually preferred. Limited but good doctors and facilities are available in the private healthcare sector, particularly in Lusaka.
  • Some international families choose care in South Africa or in their own country for (high-risk) pregnancies.
  • Breastfeeding is common and widely socially accepted.

How safe or unsafe is a trip or stay in Zambia?

What should you pay attention to in terms of safety in Zambia?

  • Zambia is generally seen as a relatively stable and friendly country for travelers and expats. Crime does occur, however, especially in urban areas. Think of:
    • pickpockets.
    • theft from cars.
    • street robbery.
  • Extra caution is advisable:
    • in the evening and at night.
    • at busy markets.
    • at ATMs.
  • Zambia is known for safaris and national parks. Beautiful, but wild animals remain wild animals. Risks include hippos (one of the most dangerous animals in Africa), elephants, buffaloes, and snakes.

What should you look out for in terms of diseases in Zambia?

  • Tap water is not safe to drink everywhere. Many foreigners use bottled water or filtered water.
  • Also present in Zambia are:
    • malaria.
    • dengue.
    • cholera.
    • traveler's diarrhea.
  • Conditions that are no joke and require caution regarding mosquitoes and food.

What should you pay attention to when it comes to traffic in Zambia?

  • Traffic poses one of the biggest risks in Zambia. People drive on the left, it is chaotic, there are potholes in the road, and the roads are often poorly lit.
  • Car accidents therefore occur relatively frequently, especially outside cities and during night drives.
  • Long-distance buses are popular, but safety is a problem here too. The driver's skill and bus maintenance vary greatly by company.
  • Minibuses can be overcrowded, sometimes drive fast, and do not always follow fixed schedules.

What work and travel insurance policies are suitable for short and long stays in Zambia?

What emigration and expat insurance can you take out for Zambia if you are going to live there for a while?

What insurance can you choose as backpacker, emigrant, expat, intern, nomad, student, volunteer or traveler abroad?

What are the main international insurances through JoHo and WorldSupporter for activities, backpacking or travel to or from Zambia

Advice and decision support
Insurance

What are the main international insurances through JoHo and WorldSupporter for emigrants, expats and nomads in Zambia

Advice and decision support
Insurance
Why get specific insurance when going abroad: per activity abroad
What is travel insurance, and why take out specific insurance when you go on a trip or vacation?

What is travel insurance, and why take out specific insurance when you go on a trip or vacation?

What is travel insurance to insure your trip or vacation?

  • Travel insurance is insurance that provides coverage for risks during a trip or vacation abroad. This mainly concerns loss of or damage to your luggage, medical assistance in the event of accidents, for example, or repatriation costs if you need to be transported back to your home country urgently. In some cases, travel insurance coverage also applies in your home country.
  • With continuous travel insurance, you are insured for all your trips throughout the year.
  • With temporary travel insurance, you take out insurance for each trip for the duration of the trip.
  • Cancellation insurance reimburses (all or part of) the travel sum, cancellation or accommodation costs if you have to cancel or interrupt your vacation.

Why should you take out travel insurance for a short trip, vacation, or long-distance trip?

  • Travel insurance can provide coverage in the event of an accident or emergency while you are away.
  • Travel insurance can provide coverage for damage and accidents during the adventurous or sporting activities you are going to do.
  • Travel insurance can continue to provide coverage if your Dutch basic health insurance no longer provides coverage, or if the damage is only reimbursed at Dutch cost price.
  • Travel insurance can provide coverage in the event of damage, loss, or theft of your luggage.
  • Travel insurance can provide coverage if you are held liable for damage you cause to other people or their property.
  • Travel insurance can provide coverage if you have to return home early because something has happened to you or your immediate family.

What is important to insure when you are going to travel?

  • That you have insurance that is valid in the countries where you are going to travel and possible work.
  • That you are adequately insured for the sports and activities you are going to participate in during your full period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost 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.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work or voluntary work during your world trip.

What insurance do you need for a trip or vacation?

 

What is round the world travel insurance or long-term travel insurance, and why take out specific insurance when you go abroad?

What is round the world travel insurance or long-term travel insurance, and why take out specific insurance when you go abroad?

What is round the world travel insurance or long-term travel insurance?

  • Round the world travel insurance means that you take out insurance that continues to provide coverage during all your activities abroad, and which is specifically intended for those who travel for long periods of time, such as world travelers, globetrotters, and nomads.

Why should you take out specialized travel insurance for a long trip abroad?

  • Round the world travel insurance provides coverage for a much longer trip than regular travel insurance.
  • World travel insurance is specifically intended for longer trips, whereas regular travel insurance may offer coverage on paper, but in practice handles it differently.
  • World travel insurance is suitable for many types of activities, ranging from high-altitude trekking to more risky sports.
  • World travel insurance continues to provide coverage if you start working during your trip, whether planned or unplanned. If you did not take out insurance before departure that allows you to work, there is no guarantee that you will be able to take out insurance that provides coverage while abroad.
  • Long-term travel insurance continues to provide coverage when your home country's health insurance no longer does.
  • Worldwide travel insurance also covers your medical expenses up to the actual cost, and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • Worldwide travel insurance can also continue to provide coverage if negative travel advice is issued.

What is important to insure when you are going to travel around the world?

  • That you have insurance that is valid in the countries where you are going to travel and possibly work.
  • That you are adequately insured for the sports and activities you are going to participate in during your full period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost 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.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work or voluntary work during your world trip.

What insurance do you need when backpacking abroad?

What is backpack insurance, and why take out specific insurance when you go backpacking abroad?

What is backpack insurance, and why take out specific insurance when you go backpacking abroad?

What is backpacking insurance and travel insurance for backpackers?

  • Backpacking insurance for backpackers means that you take out insurance that continues to provide coverage during all your activities abroad and is specifically intended for those who are traveling for a long time, traveling independently, or making frequent use of local transportation.

Why should you take out travel insurance specifically for backpacking?

  • Travel insurance for backpacking can provide coverage in the event of an accident or emergency while backpacking.
  • Travel insurance for backpacking can provide coverage for damage and accidents during your adventurous or sporting activities.
  • Travel insurance for backpacking can continue to provide coverage if your Dutch basic health insurance no longer provides coverage, or if the damage is only reimbursed at Dutch cost price.
  • Travel insurance for backpacking can provide coverage in the event of damage, loss, or theft of your luggage while backpacking.
  • Travel insurance for backpacking can provide coverage if you are held liable for damage you cause to other people or their property.
  • Travel insurance for backpacking can provide coverage if you have to return home early because something has happened to you or your immediate family while backpacking.

What aspects are important to insure when backpacking abroad?

  • The duration of your trip: so that you are also covered during a very long backpacking trip, or can extend your coverage if you want to stay longer
  • The activities during your trip: so that you can also participate in all kinds of sports and adventure activities that are excluded from travel insurance
  • Coverage of your medical expenses during your trip: so that you are always covered, even if you go to work or if the costs in the event of an accident are higher than the Dutch rate
  • Coverage for natural disasters and war during your trip: so that you don't have to return home immediately with your tail between your legs every time the Dutch government issues negative travel advice
  • Your insurer's specialization: so that your insurer specializes in backpacking trips or long stays abroad, and doesn't treat you like an “all-inclusive sunglasses claimant.”

What insurance do you need when backpacking abroad?

What is insurance for working abroad, and why do you need specific insurance if you are going to do paid work?

What is insurance for working abroad, and why do you need specific insurance if you are going to do paid work?

What is insurance for working abroad?

  • Insuring yourself for working abroad means taking out insurance that continues to provide coverage during your paid work abroad.

Why take out insurance, and when is normal travel insurance no longer sufficient?

  • There may be several reasons why you need separate insurance for paid work abroad.
  • During your work, local employers generally offer no or limited insurance that does not provide sufficient coverage.
  • The risk of accidents is sometimes greater during your work, for example because you are doing work with which you have little experience or because of the nature of the work.
  • During specific work abroad, additional requirements may apply as soon as you start performing work that involves additional risks. Only special insurance policies offer coverage during this type of work.
  • During work, internships, or volunteer work abroad where you receive a salary or compensation (for example, food or housing), your local health insurance coverage will normally lapse. You will then need special insurance to remain insured for illness and accidents.
  • Standard travel insurance policies generally do not provide sufficient coverage to apply for a work visa or working holiday visa.
  • Standard travel insurance policies generally only cover stays abroad for a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that there will be no coverage for the entire travel period.
  • Standard travel insurance policies generally only provide coverage for recreational travel without study, internship, or work. If you engage in activities other than recreational activities, this generally means that you will no longer be covered for the entire travel period.

What should you pay attention to in your insurance policy if you are going to work abroad?

  • Make sure you have insurance that is valid in the area where you will be traveling and working.
  • Make sure you are adequately insured for the sports and activities you will be participating in.
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost 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.
  • 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 you take care to choose the right coverage when working in healthcare, with wild animals, and with dangerous machinery.

What insurance do you need to work abroad?

What is insurance for working with animals abroad, and why do you need specific insurance for jobs, internships, and volunteer work abroad?

What is insurance for working with animals abroad, and why do you need specific insurance for jobs, internships, and volunteer work abroad?

What is insurance for working with animals abroad?

  • Insuring yourself for working abroad with animals means taking out insurance that continues to provide coverage during your paid, unpaid, or internship work abroad, where minor or major risks are involved.

Why take out insurance, and when is normal travel insurance no longer sufficient?

  • There may be several reasons why you need separate insurance for work abroad.
  • During specific work abroad, additional requirements may apply as soon as you start performing work that involves additional risks. Only special insurance policies offer coverage during this type of work. Almost all standard insurers exclude working with animals from coverage.
  • The risk of accidents is sometimes greater during your work, for example because you are doing work with which you have little experience or because of the nature of the work. All over the world, there are reserves, rescue centers, and zoos where you can roll up your sleeves as a veterinarian, intern, or volunteer. Working with animals or wildlife is not without danger. No matter how cute they may look, or how tame they may behave. All animals can suddenly bite viciously or lash out with a claw or beak. Not only can this result in nasty injuries, but it can also transmit diseases that you would rather not have, and certainly not abroad.
  • During work, internships, or volunteer work abroad where you receive a salary or compensation (for example, food or housing), your local health insurance coverage will normally lapse. You will then need special insurance to remain insured for illness and accidents.
  • During your work, local employers generally offer no or limited insurance that does not provide sufficient coverage.

What should you pay attention to in your insurance policy if you are going to work abroad?

  • Make sure you have insurance that is valid in the area where you will be traveling and working.
  • That you have insurance that provides sufficient coverage for the work you will be performing.
  • Make sure you are adequately insured for the sports and activities you will be participating in.
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost 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.
  • 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.

Which insurance do you need for working, an internship, or volunteering with animals abroad?

What is volunteer insurance, and why should you take out specific insurance if you are going to do volunteer work?

What is volunteer insurance, and why should you take out specific insurance if you are going to do volunteer work?

What is insurance for volunteering abroad?

  • Insuring volunteer work abroad means taking out insurance that continues to provide coverage while you are working as a volunteer abroad

Why should you take out specialized travel insurance for voluntary work abroad?

  • There may be several reasons why you need separate insurance when volunteering abroad.
  • During specific activities abroad, additional requirements may apply if your work involves extra risks. Only specific insurance policies offer coverage during these activities.
  • The risk of accidents is sometimes higher during your work, for example because you are doing work you have little experience with or because of the nature of the work.
  • Local projects or employers generally offer no or limited insurance that provides insufficient coverage during your work.
  • When volunteering abroad and receiving minor financial compensation (or, for example, food or housing), 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 travel without voluntary work activities. If you engage in activities other than recreational activities (such as volunteer work), this generally means that for the entire travel period, you will not be covered.

What is important to insure when you are going to work as a volunteer abroad?

  • That you have insurance that is valid in the country or countries where you are going to travel and volunteer.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost 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.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That when performing work in healthcare, with wild animals, and with dangerous (agricultural) machinery, you take care to choose the right coverage.

What insurance do you need when volunteering abroad?

Why should you take out specialized travel insurance for an internship abroad?

Why should you take out specialized travel insurance for an internship abroad?

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.

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.

What is important to insure 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.
  • Make sure you choose the right coverage for internship work in healthcare, with wild animals, or with dangerous machinery!

Check out more about international insurances

What is insurance for studying abroad, and why should you take out specialized travel insurance for your education abroad?

What is insurance for studying abroad, and why should you take out specialized travel insurance for your education abroad?

What is insurance for studying abroad?

  • Insurance for studying abroad means that you take out insurance that continues to provide coverage during your studies, your education, and your related activities abroad.
  • Insurance for studying abroad is also referred to as study insurance. This study insurance is specifically for when you go abroad for a long period of time to take courses, study, or conduct research abroad.

Why should you take out specialized travel insurance for a study abroad?

  • Study insurance is specifically designed for studying abroad, whereas regular travel insurance policies may offer coverage on paper but handle this situation differently in practice.
  • Study insurance offers coverage for longer stays than regular (vacation) travel insurance.
  • Study insurance is also suitable for many types of activities, ranging from various sports to hiking at high altitudes.
  • Study insurance continues to provide coverage if you start working during your trip, whether planned or unplanned. If you have not taken out insurance before departure that allows you to work, there is no guarantee that you will be able to take out insurance abroad that provides coverage.
  • Study insurance continues to provide coverage if your own country's health insurance no longer provides coverage.
  • Student insurance also covers your healthcare costs above the rates in your own country; with regular insurance, you have to pay the extra costs yourself.
  • Student insurance can also continue to provide coverage if (study) visa issuers impose additional requirements on how you insure yourself, for example if you are going to the US and applying for a J-1 visa.
  • Student insurance continues to provide coverage if you are staying abroad for a longer period of time and want to visit your own country in between.

What is important to insure when you are going to study abroad?

  • That you have insurance that is valid in the country or countries where you are going to travel and work.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost 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.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work alongside your studies.

Check out more about international insurances

What is an expat insurance or emigration insurance, and why specifically take out insurance if you are going to do move abroad?

What is an expat insurance or emigration insurance, and why specifically take out insurance if you are going to do move abroad?

What is an expat insurance?

  • Expat insurance is insurance that continues to provide coverage if you go to work abroad for a local or international employer for an extended period of time.
  • Expat insurance is not only intended for expats, but for anyone who has a more permanent job abroad.

What is an emigration insurance, or insurance for moving and living abroad?

  • Emigration insurance is an insurance that continues to provide coverage if you move abroad permanently or for an indefinite period of time.
  • Emigration insurance is not only intended for emigrants, but for anyone who leaves their home country for an extended period of time and does not intend to return in the foreseeable future.

Why should you take out specialized insurance for emigration or working as an expat abroad?

  • Emigration or expat insurance not only provides coverage for acute assistance in the event of illness or accident abroad, such as travel insurance, but can also provide coverage for existing conditions and ailments or non-urgent care.
  • Emigration or expat insurance does not require you to maintain valid health insurance in your home country.
  • Emigration or expat insurance provides coverage for preventive care or costs related to pregnancy and childbirth.
  • Emigration or expat insurance also provides coverage for long-term treatments and chronic conditions without you having to return to your home country.
  • Emigration or expat insurance often has no restrictions on the duration of the insurance, unlike travel insurance.
  • Emigration or expat insurance usually maintains coverage in cases such as negative travel advice or acts of war.
  • Emigration or expat insurance offers various solutions in the areas of disability, home and household insurance, goods transport, and liability.

What is important to insure when you are going to move abroad?

  • That you have insurance that is valid in the country or countries where you are going to live and/or work.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you pay close attention to choosing the right coverage when performing work with additional health risks

When can you also live abroad for a longer period of time with travel insurance?

  • There are also special expiring travel insurance policies that provide coverage without you having valid health insurance in your home country, however, these travel insurance policies are not intended for emigration or expats, but for stays outside your home country of up to a few years, for study, temporary work, volunteer work, and longer trips.
  • See the information at International Insurances for backpacking and travel abroad

What insurance do you need for emigration or working as an expat abroad?

International insurance through JoHo Insurances and JoHo WorldSupporter

International insurance through JoHo Insurances and JoHo WorldSupporter

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Table of content

  • Why should you take out insurance through the JoHo Foundation when you go abroad?
  • Insuring activities abroad:
    • internships, studying, volunteer work or paid work
    • backpacking, holiday, travel or round the world
    • emigration, living abroad, working as expat
  • Insurances for abroad: per insurance 
  • Insurances for abroad: per organization
  • How healthcare works
......Read more on this page
Insuring, troubleshooting and safe travel abroad

Insuring, troubleshooting and safe travel abroad

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Table of contents
  • Why get specific insurance when going abroad?
  • How to survive disasters abroad ?
  • How to insure activities abroad?
  • Which Insurances apply for internships, staying, studying, volunteer work or paid work abroad?

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Reading & Remembering

Zambia: Updates & Travel

Zambia: Updates & Travel

Travel in Zambia

  • For the traveler who loves nature, Zambia is an ideal country. It is a country full of nature parks with an enormous diversity of animals, including special birds. Swim in the water of the Victoria Falls or go on safari and see amazing wild animals (including lions, elephants, leopards, hippos, crocodiles). The people of Zambia are known for their friendliness and hospitality and the food tastes delicious.
  • Go bird watching in one of the national parks.
  • Go rafting or canoeing on the Zambezi (on the border with Zimbabwe)
  • See the rare blue monkey in the Kasanka National Park. This is one of the smaller national parks, but certainly no less beautiful.
  • Are you a fan of extreme sports? Visit the Livingstone. Including bungee jumping (from a height of 111 meters) and abseiling (over a gorge).
  • Visit one of the national parks: North and South Luangwa National Park, Kafue National Park (the second largest national park in the world) and the parks near the Zambezi.
  • Check the oldest copper mine in Zambia, near Luanshya.
  • Go to Lusaka, the capital, with the Kabwate Cultural Village (an open-air museum about Zambian culture) and the impressive cathedral.
  • Be prepared regarding the safety in Lusaka.
  • Watch out: be aware that cars drive on the left.

Updates Zambia

  • More about Zambia, updates and contributions, see the link below.
Zambia: selection of contributions by WorldSupporters - Bundle

Zambia: selection of contributions by WorldSupporters - Bundle

Content about Zambia shared by WorldSupporters

Welk visum regelen voor een reis of vrijwilligerswerk naar Zambia?

Welk visum regelen voor een reis of vrijwilligerswerk naar Zambia?

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Toeristenvisum

Een toeristenvisum is verplicht voor Zambia en kan worden aangevraagd bij de ambassade van Zambia in Brussel. Je kunt een visum ook aan de grens kopen, dit kan bij elke grensovergang. Een visum is geldig voor maximaal 3 maanden. Het visum kan verlengd worden door een aanvraag te doen bij een immigratiebureau in een van de grote steden (dit moet een maand voor het aflopen van het visum). Waarschijnlijk kan dit nog twee keer voor 3 maanden, maar vraag dit altijd even na. Een return- of onwardticket en een adres waar je verblijft zijn verplicht. Als je korter dan 24 uur in Zambia bent is het niet nodig om een transitvisum aan te vragen. 

KAZA Univisa: met dit speciale reisvisum mag je tot 30 dagen reizen door Zambia en Zimbabwe en zelfs een dagje naar Botswana (via de Kazungula-grenspost). Dit visum wordt veel gebruikt door reizigers die de Victoria Falls van beide zijden van de grens willen bezoeken. Aan te vragen bij aankomst in Zambia of Zimbabwe

Vrijwilligersvisum

Je mag in Zambia geen vrijwilligerswerk doen (ook niet voor een kleine periode) op een toeristenvisum, hier wordt vrij streng op gecontroleerd. Je zult een businessvisum moeten aanvragen. Op dit visum kun je 30 dagen blijven. Waarschijnlijk zul je na die periode een werkvisum moeten aanvragen, maar dit is niet helemaal duidelijk.

Benodigdheden voor een businessvisum:

  • Twee ingevulde aanvraagformulieren
  • Twee pasfoto's
  • Paspoort dat nog minimaal 6 maanden geldig is.
  • Gecertificeerde kopie van paspoort
  • (Kopie van) je vluchtgegevens
  • Brief van je werkgever in Nederland.
  • Brief van de “werkgever” met daarin de uitleg over het werk dat je gaat uitvoeren.

Actuele informatie

Check altijd de meest actuele informatie bij de Ambassade van Zambia (zie link).

Image ACTIVITIES

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Image Aan de slag als helpende hand bij een kleinschalige lodge in South Luangwa National Park
Aan de slag als helpende hand bij een kleinschalige lodge in South Luangwa National Park
Image Werk als host van een natuurpark en bied toeristen een onvergetelijke ervaring! Coördineer daarnaast dagelijkse bezigheden en geef leiding over een groep medewerkers
Werk als host van een natuurpark en bied toeristen een onvergetelijke ervaring! Coördineer daarnaast dagelijkse bezigheden en geef leiding over een groep medewerkers.
Image Combineer een luxe reis met enkele dagen vrijwilligerswerk, bijvoorbeeld bouwen of schilderen van een huis
Combineer een luxe reis met enkele dagen vrijwilligerswerk, bijvoorbeeld bouwen of schilderen van een huis
Image Ga aan de slag bij een beeld- en geluid trainingscentrum voor benadeelde jongeren die hier mogelijkheden krijgen voor een opleiding in de televisie- en filmwereld
Ga aan de slag bij een beeld- en geluid trainingscentrum voor benadeelde jongeren die hier mogelijkheden krijgen voor een opleiding in de televisie- en filmwereld.
Image Leer over het globale armoedeprobleem met een studie-werkprogramma in de VS, waarbij je een aantal maanden veldwerk doet in Afrika of Zuid-Amerika
Het programma duurt van 9 tot 18 maanden en vindt plaats op de campus in Massachussetts of Michigan
Image Draai mee in de farmaceutische wereld en leer over verschillende culturele houdingen betreft geneesmiddelen
Draai mee in de farmaceutische wereld en leer over verschillende culturele houdingen betreft geneesmiddelen. Deze vrijwillige medische stage is onder andere geschikt...
Image Stage videoproductie en management: Breng je kennis in de praktijk en doe ervaring op in de Zuid-Afrikaanse filmindustrie!
Stage videoproductie en management: Breng je kennis in de praktijk en doe ervaring op in de Zuid-Afrikaanse filmindustrie!
Image Kerst vieren in Zambia waar het in december hoog zomer is. Help mee een speciale Kerst te organiseren voor kinderen van een weeshuis en de ouderen van het Maramba Old People's Home. Ook is de vakantie dé periode om te klussen aan de schoolgebouwen
Kerst vieren in Zambia waar het in december hoog zomer is. Help mee een speciale Kerst te organiseren voor kinderen van een weeshuis en de ouderen van het Maramba Old...
Image Loop tijdens je tandheelkunde stage in het buitenland mee met een lokale tandarts!
Loop tijdens je tandheelkunde stage in het buitenland mee met een lokale tandarts!
Image Werk als au pair in Zambia en geef les aan kinderen van een safarilodge management team
Je begeleidt en verzorgt de kinderen van een safarilodge management team. Je geeft les aan de kinderen; zowel Engels als Nederlands, voor 2 à 3 uur per dag. Je promoot...
Activities abroad: home bundle

Main content and contributions for activities abroad

,,,accommodations, adventure activities, courses, internships, jobs and volunteer projects

...to help another, travel with care, work together , learn to share and inspire with your experience

 

Activities abroad: home page

Activities abroad: home page

From language courses to gap year abroad, from work experience to volunteering abroad, from paid work to internship abroad, from mountaineering to diving and from backpacking to travel around the world

    What social activities can you do abroad?

    • Opportunities are found in the areas of helping, learning or studying. You can get involved to volunteer in a social project at a school in Africa, Asia or Latin America. You can get involved in nature, in a project with animals or cleaning the sea or beaches. Those who want to learn more can choose for example a language course in Latin America, Spain or South Africa.

    What work related activities can you do abroad?

    • If you want to gain work experience, and/or also earn money, go and work abroad. You can combine backpacking in Australia with temporary work. You can work on campsites in Europe or bush camps in Africa. You can pretty much go all over the world to work in the hospitality industry, hotels and hostels, in the healthcare sector or for example at a diving school.

    What sports activities to do abroad?

    • Have you ever thought of mountain biking, rafting (going down a wild river on a raft or rubber dinghy, climbing or canoeing), survival (which involves building rafts, climbing or canoeing), abseiling (descending a rock face while secured to ropes), zip-lining (whizzing down a cable), canyoning (starting at the top of a river and then climbing, swimming, diving down the bed) or caving (scrambling, wriggling and crawling through caves and crevices)?
    • Maybe you feel more comfortable on a bodyboard (on a half-wave surfboard, you surf the high waves lying down-with flippers), on a hang glider or while paragliding (with a parachute you float down a mountain or dune), hydrospeeding (on a bodyboard with flippers and a wetsuit on you go down a wild river via rapids) or Tiefschneeskiing (racing down through powder snow)?

    Check the pages below for more activities and inspiration and where to go and how to arrange it

      Activities abroad: for experiencing countries and cultures abroad

      Activities abroad: for experiencing countries and cultures abroad

      Bundled content for experiencing countries and cultures during gap year, travel and backpacking abroad

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      Activities abroad: for sports, adventure and outdoor abroad

      Activities abroad: for sports, adventure and outdoor abroad

      Bundled content for sports, adventure and outdoor during travel, gap year and backpacking abroad

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      Image STORIES

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      Image How does healthcare work in Zambia, and what travel insurance, health insurance or expat insurance do you need?
      How does the healthcare system work in Zambia, and which insurance do you need? How does the healthcare system work in Zambia? How is public healthcare organised in...
      Image Welk visum regelen voor een reis of vrijwilligerswerk naar Zambia?
      Toeristenvisum Een toeristenvisum is verplicht voor Zambia en kan worden aangevraagd bij de ambassade van Zambia in Brussel. Je kunt een visum ook aan de grens kopen,...
      Image Packing list for Zambia, travel insurance for Zambia, and taking your belongings
      To pack and bring to Zambia What to take with you to Zambia: spotlighted Are there mosquitoes in Zambia? Are there sandflies in Zambia? Can you buy DEET, or other...
      Image Zambia: Updates & Travel
      Travel in Zambia Updates Zambia Back to top Travel in Zambia For the traveler who loves nature, Zambia is an ideal country. It is a country full of nature parks with an...
      Image Peri Peri Reizen
      Peri Peri Reizen Oprichters Nelleke Priem en Kees Quist startten Peri Peri Reizen in 2011, na vakantiereizen en vrijwilligerswerk in diverse zuid-Afrikaanse...
      Countries & Destinations: home bundle

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      Africa: country bundles

      Africa: country bundles

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      Asia: country bundles

      Asia: country bundles

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      Europe: country bundles

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      Image African Travels
      African Travels offers responsible and sustainable travel to Botswana, Congo, Kenya, Madagascar, Malawi, Mauritius, Mozambique, Namibia, Uganda, Rwanda, Seychelles,...
      Image Project Luangwa
      Project Luangwa is a charity committed to responsible tourism. The aim of the organization is to help local communities improve their economic prospects in a way that...
      Image Kasanka Trust
      Kasanka Trust manages Kasanka National Park. Here, in addition to numerous bird species and mountains of wildlife, you'll find a spectacular population of flying foxes...
      Image Track & Trail River Camp in Zambia
      Track and Trail Rivercamp is a unique safari lodge on the banks of the Luangwa River in Zambia. The lodge has been run for many years by Dutch adventurers Kirsten and...
      Image African Impact
      This South African organization mediates volunteer work and internship opportunities at various projects in different African countries. Such as assisting a local doctor...
      Image Kiboko Safaris & Hotels
      Established in 1998, Kiboko Safaris offers safaris and accommodations in Malawi and Zambia.
      Organizations & Services: home bundle

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      Organizations: home page
      Organizations for administrative, tax and legal work and consulting

      Organizations for administrative, tax and legal work and consulting

      international law

      Activities, internships, paid work, services or volunteer work in administration, tax and legal consulting

      Administrative, tax and legal consulting abroad: by position

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      ......Read more on this page
      Organizations: for agriculture, grape picking, farming and vineyards
      Organizations: for animal protection, animal care and working with wildlife abroad
      Organizations: for au pairs, youth work and child care abroad
      Organizations: for bush camping and working at a campsite abroad
      Organizations: for catering, hospitality and entertainment abroad
      Organizations: for civil society and social work abroad
      Organizations for corporate business services

      Organizations for corporate business services

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      Activities, internships, paid work, services or volunteer work in corporate business services

      Corporate business services abroad: by position

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      Organizations: for customer services abroad and help desks
      Organizations: for diving, snorkeling and water sports abroad
      Organizations: for education and schools abroad
      Organizations: for expatriate insurances, travel insurances, and emergency call centers
      Organizations: for gap year activities abroad and sabbaticals
      Organizations: for internship placement abroad
      Organizations: for insurances and finance abroad
      Organizations for IT, engineering and construction

      Organizations for IT, engineering and construction

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      Activities, internships, paid work, services or volunteer work in IT, webdevelopment, engineering and construction

      IT, engineering and construction abroad: by position

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      Organizations: for language travel and language teaching abroad
      Organizations for marketing, communication and PR abroad

      Organizations for marketing, communication and PR abroad

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      Activities, internships, paid work, services or volunteer work in marketing and communication

      Marketing, communication and PR abroad: by position

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      ......Read more on this page
      Organizations: for mediation in au pairs, childcare and elderly care in the Netherlands
      Organizations for moving, international relocation and transport abroad

      Organizations for moving, international relocation and transport abroad

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      Activities, internships, paid work, services or volunteer work in transport and international relocation

      Moving abroad and relocation services abroad: by position

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      Moving abroad and relocation

      ......Read more on this page
      Organizations for nature conservation, environmental protection and working in nature abroad

      Organizations for nature conservation, environmental protection and working in nature abroad

      Costa Rica rain forest - Jungle

      Activities, internships, paid work, services or volunteer work in environmental protection, sustainability and nature conservation

      Nature conservation and environmental protection abroad: by position

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      Organizations: for nonprofit projects, development work and international cooperation
      Organizations: for online work as digital nomad, freelancer, or independent entrepreneur from abroad
      Organizations: for outdoor activities and sports
      Organizations: for providing accommodation and hospitality work in hotels, guesthouses, ecolodges and hostels abroad

      Organizations: for providing accommodation and hospitality work in hotels, guesthouses, ecolodges and hostels abroad

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      Activities, internships, paid work, services or volunteer work in hotels, resorts, guesthouses, ecolodges, bed and breakfasts and hostels abroad

      Working in hospitality and tourist accommodations abroad: by position

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      Organizations: for providing healthcare and working in medical care abroad

      Organizations: for providing healthcare and working in medical care abroad

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      Activities, internships, paid work, services or volunteer work in healthcare

      Providing healthcare and working in medical care abroad: by position

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      Organizations: for psychological assistance and mental health care abroad

      Organizations: for psychological assistance and mental health care abroad

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      Activities, internships, paid work, services or volunteer work in psychological assistance, coaching and mental health care abroad

      Psychological assistance, coaching and mental health care abroad: by position

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      Organizations: for real estate, brokerage abroad and property rental abroad
      Organizations: for research and scientific work abroad

      Organizations: for research and scientific work abroad

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      Organizations: for research, R&D, data collection, data analysis and scientific work abroad

      Activities, internships, paid work, services or volunteer work in research and science

      From R&D to data collection and data analysis

      Research and science abroad: by position

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      ......Read more on this page
      Organizations: for student support and student associations
      Organizations: for tour guidance and adventure tours abroad
      Organizations: for tourism and organized travel and leisure work abroad
      Organizations: for voluntary work mediation and project placement abroad
      Organizations for yacht and shipping crew and working on a cruise ship abroad

      Organizations for yacht and shipping crew and working on a cruise ship abroad

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      Activities, internships, paid work, services or volunteer work on cruise ships, sailing yachts and other ships

      Boat crew, deck hand or working for an international shipping organization

      Working on a yacht or cruise ship abroad: by position

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      ......Read more on this page

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      SPOTLIGHT & FAVORITES

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      Presentatie Zambia

      Vandaag heb ik op de Boshoek, de plek waar ik voorheen vrijwilligerswerk deed, voor een groep mensen een presentatie gehouden over Zambia. Ik heb aan de hand van foto's en 'souvenirs' verteld over mijn werk daar. Ik heb de mensen zeker aan het denken gezet, dit was te merken aan hun interesse en ent...

      Mijn nieuwe reis staat vast: ZAMBIA

      Het is zo ver, ik heb een nieuw avontuur geboekt. Aankomende zomer ga ik naar Zambia, om vrijwilligerswerk te verrichten. Ditmaal heb ik het geboekt via Activity International. Ik kan nu al niet wachten!! In Zambia ga ik meewerken in een ziekenhuis/kliniek. Ik heb hier juist voor gekozen omdat het m...

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