The information below provides a list of work and charity covered under our backpacker policies either as standard or for an additional premium (this page is not applicable to single trip or annual multi-trip policies). It also outlines work and charity we don't cover, if your work or charity isn't covered in this list it is not covered.
This page is updated on a regular basis as new types of work or charity are referred to our team, if you don't see what you need please contact us. Please refer to the policy wording for full details.
No Personal liability cover while working. We exclude work involving the lifting or carrying of heavy items in excess of 25Kg, work at a higher level than two storeys or any form of work underground.
| Work/Charity | Cover Required | Special Conditions |
|---|---|---|
| Administrative work: Office work | Inclusive | |
| Administrative work: Project manager (office based) | Inclusive | |
| Au Pair | Inclusive | |
| Beauty Therapist | Not covered | |
| Conservation Work: Beach Cleanups | Inclusive | |
| Conservation Work: Marine | Inclusive | Collecting data, restoring coral reefs and removing plastic from the ocean |
| Conservation Work: Parrots | Pack 2 | |
| Conservation Work: Reef Monitoring | Inclusive | |
| Conservation Work: Reforestation | Pack 2 | Planting seedlings and monitoring the forest, working with local communities |
| Conservation Work: Turtles | Inclusive | |
| Cruise Ship: Entertainer | Not covered | |
| Dog Walker | Inclusive | |
| Farm Work: Driving a Tractor | Not covered | |
| Farm Work: Fruit Picking | Inclusive | |
| Farm Work: Working with Animals | Not covered | |
| Groundsman (Cricket Pitch/Golf Course etc) | Not covered | |
| Hairdresser / Hairstylist | Pack 2 | |
| Hospitality: Admissions | Inclusive | |
| Hospitality: Bar Work | Inclusive | Serving, Cleaning, Restocking etc |
| Hospitality: Catering | Inclusive | |
| Hospitality: Chef/Cook | Not covered | |
| Hospitality: Concierge | Inclusive | |
| Hospitality: Dishwasher | Inclusive | |
| Hospitality: Event Planner | Inclusive | |
| Hospitality: Festival Worker | Pack 2 | |
| Hospitality: Host/Hostess | Inclusive | |
| Hospitality: Porter | Inclusive | |
| Hospitality: Valet | Inclusive | |
| Hospitality: Waiter/Waitress | Inclusive | Serving, Cleaning, Restocking etc |
| Journalist | Inclusive | |
| Lifeguard: Beach | Not covered | |
| Lifeguard: Swimming Pool | Pack 2 | |
| Massage Therapist | Not covered | |
| Medical Professions (Doctor/Nurse/Student/Assistant/Volunteer) | Not covered | |
| Modelling | Inclusive | |
| Nail Technician | Not covered | |
| Nanny | Inclusive | |
| Photographer | Inclusive | |
| Retail Work: Shop Assistant | Inclusive | |
| Retail Work: Theme Park | Inclusive | |
| Ski Buddy | Wintersports | |
| Summer Camp | Inclusive | Sports & Activity pack upgrade may be needed for activities. |
| Teaching: Classroom/School | Inclusive | |
| Teaching: Language Tutor (including TEFL) | Inclusive | |
| Teaching: Scuba Instructor | Inclusive | Must be fully qualified. Depending on the depth, Sports & Activity pack upgrade may be needed. |
| Teaching: Ski instructor | Not covered | |
| Teaching: Tennis Coach | Not covered | |
| Teaching: Windsurf instructor | Inclusive | |
| Teachng: Sail Instructor | Not covered | |
| Tour Guide | Pack 2 | |
| Videographer | Inclusive | |
| Volunteering: Animal Population Surveyor | Inclusive | Organised by charity or other organisation. No Guns, no direct contact with animals. |
| Volunteering: Elephant Sanctuary | Not covered | |
| Volunteering: Homeless Shelter | Inclusive | |
| Volunteering: Monkey Sanctuary | Not covered | |
| Volunteering: Refugee Camp | Inclusive | |
| Volunteering: Working with animals (direct) | Not covered | |
| Volunteering: Working with animals (indirect) | Pack 2 | Food prep and distribution, Enclosure cleaning, Animal tracking. No Animal Contact |
| Volunteering: Working with stray animals | Not covered | |
| Working at Height (over two stories / 6 metres) | Not covered | |
| Working at Height (up to two stories / 6 metres) | Inclusive | |
| Working underground | Not covered | |
| Youth Worker | Inclusive | Sports & Activity pack upgrade may be needed for activities. |
