ADHD Notes:
- Get Travel Insurance before you go anywhere overseas
- Flight Centre travel insurance is expensive, World Nomads is cheaper
- Use this link, enter the coupon code ”Aussie3”, and get 3% off your travel insurance cost
Before you leave Australia or any other country on your way to Canada to participate in the Working Holiday Program you will need to organise travel insurance.
If you intend on staying in one place and working for an extended period of time, your best bet would be to get yourself at least 3 months worth, as you would then be eligible for the local version of Medicare, which tends to be cheaper and easier than travel insurance.
If you intend on moving about for the whole trip and only staying in individual Provinces (local term for State) for less than three month, the it would be a good idea to get travel insurance for the whole period of your trip. You can generally extend your cover too.
Keep in mind that if you plan on visiting the ski slopes while you’re in Canada, it is almost necessary to get the extra coverage for that – we’ve heard horror stories of those who didn’t and ended up paying up front for medical costs after a fall.
We got curious and decided to see which travel insurance companies got good reviews, and we consistently came up with WorldNomads.com as a good provider. It seems that another common provider for travel insurance for Aussies is Flight Centre, so I decided to do a comparison.
This is between FC’s lowest cost insurance (Plan SM) with the extra skiing add-on, and World Nomads standard insurance, which already includes skiing:
| Flight Centre | World Nomads | |
| Medical Expenses incurred overseas | $5,000,000 | $5,000,000 |
| Additional expenses | $500,000 | $500,000 |
| Amendment or Cancellation costs | $10,000 | $10,000 |
| Luggage and travel documents | $2,500 | $3500* |
| delayed luggage allowance | $200 | $200 |
| Personal Liability | $2,500,000 | $2,500,000 |
| *includes $1k for travel documents and $2500 for luggage | ||
Now, the insurances seem pretty comparable for coverage, but their prices differ substantially. For a 21 year old Australian getting three months of cover from the date of writing (April 27 2010), Flight Centre charges $582. For the same period of time, World Nomads charges $266.
Quite a difference, eh?
To top that off, CanAussie.com has negotiated a 3% discount for its users if they use our affiliate link (like this one), then plug in the coupon code Aussie3. This saves you a whole $7.92 on the above quote, and on 12 months worth of travel insurance it’s a saving of $22.44. Enough of a saving for a carton of beer, and that’s better than a kick in the chops!
Note: This discount is only applicable to those outside North America, so get it before you come here! You can extend your travel insurance while on the go if necessary, so get what you need, then top up as you go. Also, a portion of the proceeds will go towards the running of CanAussie.com, and we thank you in advance for your support!
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