Working Overseas

Working Overseas




Choose your destination

The Working Overseas policy offers two destination categories you can choose from: Australia/South Pacific and Worldwide. Be sure to get the right cover for the countries you plan to travel to, not just the countries you’ll be working in. For example, if you’ll be working in Australia but you plan to visit Europe, you must select the Worldwide option.

Which countries are covered under Australia/South Pacific?

The following countries are all covered under the Australia/South Pacific plan:

  • American Samoa
  • Australia
  • Bali
  • The Cook Islands
  • Fiji
  • French Polynesia
  • Lombok
  • New Caledonia
  • Niue
  • Norfolk Island
  • Samoa
  • Tahiti
  • Tonga
  • Vanuatu

Going further abroad?

Our Worldwide plan offers our highest level of cover and includes all destinations, including those listed under the Australia/South Pacific plan. The only exception are destinations with a travel advisory risk rating of ‘do not travel’ or ‘avoid non-essential travel’ published on the New Zealand Ministry of Foreign Affairs and Trade website (, prior to your start date of insurance. Need more than 12 months cover for Canada, the UK or the USA? If you’re going to Canada, the UK or the USA on a working holiday visa, you can purchase cover for up to 24 months. You will need to call us on 0800 800 571 to arrange this.

What if things change?

One day you’re living in New Caledonia, the next you could be in Hong Kong. If your situation changes and you need to make a change to your Working Overseas travel insurance policy, get in touch with us, and we can make the necessary changes for you. You will need to make sure that your policy is kept up-to-date, ensuring that the destinations you travel to are covered. If you need to contact us from overseas, you can either email us at or call us on +64 9 979 6593.

Issued and underwritten by Southern Cross Benefits Limited trading as Southern Cross Travel Insurance. 

We are a Registered Financial Service Provider and a member of the Insurance & Financial Services Ombudsman Scheme.  Southern Cross Benefits Limited has an A (Strong) financial strength rating given by Standard & Poor's (Australia) Pty Ltd. The rating scale is: AAA (Extremely Strong) AA (Very Strong) A (Strong) BBB (Good) BB (Marginal) B (Weak) CCC (Very Weak) CC (Extremely Weak) SD or D (Selective Default or Default) R (Regulatory Supervision) NR (Not Rated). Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.  Full details of the rating scale are available at Standard & Poor's (Australia) Pty Ltd is an approved agency under the Insurance (Prudential Supervision) Act 2010.

All our travel insurance policies (including but not limited to the benefits, terms, conditions and exclusions) and premiums quoted are subject to change.

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