IMPORTANT CORONAVIRUS INFORMATION:
IMPORTANT – If you are travelling to a country against FCO advice, ONLY our Navigator Silver, Navigator Gold & Navigator Diamond policies are valid (though they won’t cover claims connected with the circumstances that are giving rise to the FCO advice – usually Covid 19). ALL our other policies, including Motorcycle Silver & Motorcycle Gold, are completely invalid if you travel to a country against FCO advice.
Please note, our policies do not provide cover for cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office (FCO) advises against all or “all but essential” travel. Our policies will also not cover any claims caused by or relating to Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above. We also can not cover any claims relating to any fear or threat concerning these viruses, with the exception of Medical Expenses cover (provided that you are not travelling against FCO advice).
Looking for Coronavirus travel insurance? Click this link for more information.
Volunteers Travel Insurance Policies
Volunteering abroad is more popular than ever, and with university becoming increasingly expensive more and more people are heading out to foreign shores to carry out volunteering roles, either as part of a gap year or as a career break. Voluntary work can vary from doing environmental projects in Costa Rica or working with animals in a wildlife sanctuary or refuge, to teaching English as a foreign language in China, there are a huge range of opportunities for those prepared to up sticks and move away from their home comforts. Whatever volunteering role you decide is right for you, it’s important you get the right insurance cover for your volunteer project abroad, so in the event of accidents etc in your new workplace then you have a suitable travel insurance policy available to fall back on. If your volunteering project involves manual work, or work of a potentially dangerous nature, such as working with either domestic or wild animals, you should refer it to us for specific agreement. In these cases, there will almost certainly be additional cost involved and additional conditions attached to the cover.
Whether you are just finishing school, fresh out of university or taking a career break, doing volunteering work abroad is a great way to explore the world and get an insight into a different culture that you would never experience on a more orthodox backpacking trip. Immersing yourself in the international volunteer community and becoming part of the day to day life of people who live in a wide variety of fascinating destinations is an incredibly rewarding way to travel. But it’s important not to forget that someone has to look after you as well, and getting a suitable travel insurance policy is step 1 of that process.
At Navigator we want to make the process of getting specific travel insurance for volunteering as simple as possible. It is important that you read the policy wording document and understand the limitations of work-related cover on travel insurance policies. As previously mentioned, additional costs and conditions will apply to manual or potentially dangerous work, so need to be referred. Personal Liability cover is excluded for work-related claims, whether the work is paid, unpaid, charity or volunteering. Additional compensation for death, disablement, loss of sight/limb etc is also excluded for work-related accidents, though medical expenses are covered, as long as the type of work has been declared, if manual or if it carries additional risk. The type of volunteering you are doing is likely to change the type of travel insurance cover you need as English teachers are at lower risk than those involved in outdoor, manual work. Depending on how long you are going away for and what work you are doing you will pick from our 3 main policies:
If you do have questions about what the best volunteers travel insurance policy is for you then don’t hesitate to call us on 0161 973 6435 or, alternatively, if you’ve seen everything you need to then why not get a quote online right now!
FREQUENTLY ASKED QUESTIONS:
Can I get travel insurance for working with wild animals?
We have policies that will cover working with animals of all kinds. Generally, there is no supplement for working with domestic animals or smaller wild animals. We can cover working with dangerous animals, big game species etc, at a supplement, as long as you are working in an organized environment, such as an animal sanctuary, or working for a conservation organization etc.
I am doing voluntary work involving manual work, construction, using tools and machinery. Can I be covered for this work?
We have policies that will cover this type of work at no extra cost.
Can I be covered for Personal Liability whilst doing charitable work or volunteering?
We cannot cover work-related liability claims if they arise in the workplace, whether the work is paid, unpaid, voluntary or charitable. So, if you cause injury to someone else or damage their property, while you are working, these policies will not cover you.
I want to get involved with aid work or volunteering in a war zone or disaster area. Do you have a suitable policy?
Our High Risk Voyager policy would be the most suitable of our products to use in areas of extreme risk. Though we have other policies which are not invalidated if you travel against to a country FCO advice, they are not suitable for areas where there is extreme risk, such as war zones and earthquake-affected areas, but the High Risk Voyager policy is a specialist product and would cover you.