Working Overseas

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Key benefits

We want you to relax and enjoy your time spent working overseas. Whether it’s a quick business trip, or you're taking a year out to immerse yourself in another culture, we’re here for you. Our Working Overseas travel insurance is specifically designed for you to remove the worry and anxiety should something not go quite to plan.

Maximum cover
Medical
Medical and evacuation
Includes cover for medical treatment, doctors’ visits, prescribed medication, specialist treatment and medical transport costs. Plus 24-hour emergency assistance, support of qualified medical advisers, guarantees for medical expenses and contact with family.
Unlimited cover
Medical treatment
Unlimited
24-hour emergency assistance
Unlimited
Medical evacuation
Unlimited
Medical repatriation
Unlimited
Optical treatment
Including optometrist consultations, spectacles/lenses.
$1,000
Ancillary services
Including acupuncturists, chiropractors, physiotherapists and Chinese medicine.
$2,500
Rehabilitation and occupational therapy
$10,000
Maternity care
For each pregnancy.
$3,000
Mental health
$2,000
Emergency dental treatment
$2,000
Cash allowance while in hospital (after 72 hours)
$100 per 24 hours.
$3,000
Extra travel and accommodation
Unlimited
Accompanying person
Unlimited
Funeral expenses or return of mortal remains
For each deceased person. No excess applies.
$50,000
Replacement staff
$15,000
Repatriation benefit
$5,000
Directly or indirectly relating to terrorism
$100,000
Cancelling your journey
Cancelling or changing your journey before you leave
Includes cover for cancellation fees and prepaid travel costs if your trip is cancelled or changed due to an illness, injury or natural disaster. Plus, cover for additional costs to help you attend a special event including a wedding or sporting event.
$2,500
Options to increase up to Unlimited
Cancelling your journey
$2,500
Options to increase up to Unlimited
Changes before you leave
$2,500
Options to increase up to Unlimited
Existing conditions of a relevant person
$2,500
Delayed journey to a special event
$2,500
Changing your journey
Changes to your journey once you have left
Includes cover for transport, accommodation, meals, activities and tour costs if you cannot reach your next destination on time, or if you need to cut your trip short and return to New Zealand.
$50,000
Changes once you have left
$50,000
Existing conditions of a relevant person
$2,500
Travel interruption
$30,000
Resuming your journey
$20,000
Cutting your journey short
$50,000
Delayed journey to a special event
$2,500
Baggage
Baggage and personal items
Cover for lost, stolen or damaged items and help to purchase essential items of clothing and personal effects, if your bags are delayed, misdirected or misplaced for 12 hours or more.
$25,000
Unspecified jewellery and watches
Up to $1,500 for each item, for each person. Depreciation applies.
$2,500
Unspecified laptops, personal computers, tablets, cameras
Up to $3,000 for each item, for each person. Depreciation applies.
$10,000
Other unspecified items
Up to $1,500 for each item, for each paying person. Depreciation applies.
$25,000
Optional: Specified items
Up to $10,000 for each item, for each person.
$15,000
Baggage delay
$1,000
Essential medication
$500
Cash
Cash, bank cards, travel documents and passports
Includes cover to replace lost, stolen or damaged bank cards, travel documents and passports, and to replace lost or stolen cash.
$1,000
Lost or stolen cash
$500
Essential bank cards, travel documents and passports
$1,000
Personal accident
Personal accident (18-65 years)
Includes financial support for you or your loved ones if you’re injured whilst on your journey.
$50,000
Loss of income
Up to $500 per week. For each injured person. No excess applies.
$6,500
Total permanent disablement
For each injured person. No excess applies.
$50,000
Loss of life
For each deceased person. No excess applies.
$50,000
Personal liability
Personal liability

Cover towards legal liability for damages, compensation and legal expenses.
No excess applies.

$1,000,000
rentalvehicle
Rental vehicle excess

Payment towards any excess you must pay if the rental vehicle you hired is stolen or damaged.
No excess applies.

$10,000
Moped
Moped and motorbike cover
As per relevant section of the policy
Skier
Skiing and snowboarding cover
As per relevant section of the policy
Cruise
Cruise cover
As per relevant section of the policy

This table is a summary of the Working Overseas policy benefits and shows the maximum cover per person per policy (unless cover otherwise stated). The excess you select applies per unexpected event. To fully understand what you’re covered for and the exclusions and conditions that apply, please read the Policy Document.

All policies come with Southern Cross Emergency Assistance, giving you access to one of the world's largest network of emergency medical resources 24 hours a day, 7 days a week.