Working Overseas: What Does Travel Insurance Cover?
Are you a performing artist looking to accept a long-term contract overseas? Perhaps you're headed to a cruise line as a resident entertainer. Or maybe you are joining the cast of a travelling show, or taking your own show on tour. No matter where your art is taking you, however, you’re going to need the support of knowing you are covered. Today the Hencilla Canworth Performing Arts Travel Insurance team takes a look at insuring yourself as a travelling performer, and what you can expect from the process.
Holiday packages don’t provide sufficient cover
We’ve looked at this matter before, but it’s always worth revisiting. If you are travelling to work in any industry, it’s a very bad idea to simply take out a standard holidaymaker’s travel insurance package and hope for the best. Not only are most of the items covered not of any relevance to your working journey, but it’s also technically fraud.
Many people are very surprised to discover that fact, so don’t feel bad if you are one of them! The insurance industry as a whole works by calculating risk based on your profile, and prices their packages accordingly. As a working person undertaking their job and using skills in a foreign country, your risk profile looks entirely different to someone heading out on holiday. You’re doing different things, interacting differently with the economy, and different aspects of cover matter most to you. You’re less likely to get pickpocketed at a local historical monument, and far more likely to injure yourself during your act.
So, if you take out a leisure travel insurance package to cover you while working, you’re effectively lying to the insurance company about what your intentions at the destination are. Not only does this mean they build the package and premiums around a completely incorrect idea of what you’re doing and the risks you face, it also means they can’t be prepared to support you where it matters. In short, it’s a bad idea for everyone.
Performers’ travel insurance
Artists’ travel insurance is a special niche of the travel industry for a reason. Even many business-focused travel insurance packages don’t provide cover for so-called ‘manual work’, i.e working with the body. This means most artists can’t get coverage where it counts. Luckily, there’s a niche of the industry dedicated to providing you with comprehensive medical and travel insurance for full peace of mind.
Leisure coverage
You may be worried that opting for a dedicated business travel insurance package means you can't have any fun on your trip. Don’t worry! Fully-tailored performer’s travel insurance like ours also covers you for holiday and leisure activities you might want to take advantage of as you travel. We understand that part of the allure of a career in the arts is the ability to meet new people and experience the world as you work, so we make sure you have comprehensive coverage at work and play.
Working overseas and staying covered
Is there a time where your travels are too big for an artist’s travel insurance policy? It’s easy to think that there couldn’t possibly be a cost-effective way to ensure a full year spent on the road. The great news is that the performers’ travel insurance industry knows your career doesn’t come in convenient bite-sized chunks. Annual travel insurance policies provide you blanket coverage for the entire year, based on your usual travel patterns and predicted schedule. With this in place, you can head out wherever work takes you, secure in the knowledge you have our team on your side.
You are free to tailor the medical coverage and cancellation coverage offered to suit your precise needs, too, meaning you never have to accept a frontloaded one-size-fits-all cost. Instead, you can access the coverage you need without paying for what you don’t. We even provide coverage for those working at height and with tools (Hand held tools). Certain pre-existing medical needs can be automatically covered, and others will be covered by arrangement, too.
Start the process towards securing your travel insurance for working overseas by hopping over to our quote page. Here you will be met with key questions that will help us accurately shape a quote that fits your needs. Soon, you’ll be winging your way to an exciting foreign destination, secure in the knowledge that any troubles you meet on the road will be handled by your comprehensive artists’ travel insurance policy.