When moving abroad for work, travel and health insurance is one of the most important requirements to plan for. Many countries do not provide immediate access to public healthcare for foreign workers, making private insurance essential during the early months—or for the entire stay.
This guide compares work visa travel and health insurance costs, coverage, and expectations by country, helping applicants make informed decisions.
Work visa travel and health insurance costs typically range from $40 to $200 per month, depending on the destination country, coverage limits, age, and visa type. Some countries require private insurance before arrival, while others allow enrollment in public healthcare after a waiting period.
Why Work Visa Holders Need Insurance
Work visa holders often face gaps in healthcare coverage because:
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Public health insurance may start after a waiting period
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Employers may offer benefits only after probation
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Medical treatment for non-residents can be costly
Travel and health insurance helps cover:
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Emergency medical treatment
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Hospitalization
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Medical evacuation
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Accidental injury and illness
Travel Insurance vs Health Insurance for Work Visas
| Type | Purpose | Duration |
|---|---|---|
| Travel Insurance | Short-term emergency coverage | First weeks or months |
| Health Insurance | Broader medical coverage | Long-term or full stay |
Many workers start with travel insurance, then transition to local or employer-sponsored health insurance.
Work Visa Insurance Costs by Country
Canada
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Cost: $50–$150/month
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Notes: Public healthcare may have a 2–3 month waiting period
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Typical Use: Temporary private insurance until provincial coverage begins
United States
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Cost: $150–$400/month
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Notes: No universal public healthcare; private insurance essential
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Typical Use: Employer or private marketplace plans
United Kingdom
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Cost: £40–£120/month (private)
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Notes: Immigration Health Surcharge (IHS) provides NHS access
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Typical Use: Private insurance as a supplement
Australia
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Cost: AUD 50–150/month
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Notes: Overseas Visitor Health Cover (OVHC) often required
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Typical Use: Mandatory private coverage for most work visas
Germany
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Cost: €80–€150/month
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Notes: Health insurance is mandatory
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Typical Use: Private insurance initially, then public enrollment
United Arab Emirates (UAE)
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Cost: $60–$180/month
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Notes: Employer-provided insurance is mandatory
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Typical Use: Coverage arranged after arrival or by employer
Singapore
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Cost: $50–$120/month
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Notes: Employers must provide medical insurance for work permit holders
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Typical Use: Employer-sponsored plans
What Coverage Typically Includes
Standard Coverage
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Emergency medical treatment
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Hospital stays
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Ambulance services
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Emergency evacuation or repatriation
Coverage Often Excluded
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Routine checkups
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Pre-existing conditions (unless specified)
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Maternity care
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Long-term chronic treatment
Always review policy exclusions carefully.
How Long Should Coverage Last?
Coverage length depends on the country:
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Short-term (1–3 months): Until public healthcare eligibility
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Long-term (6–12 months): Countries without public access
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Full visa duration: Where private insurance is mandatory
How to Choose the Right Plan
When comparing work visa insurance plans, consider:
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Minimum coverage limits required by immigration authorities
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Country-specific requirements
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Refund and cancellation policies
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Insurer reputation and claims process
Choose plans that clearly state eligibility for work visa holders, not tourists only.
Common Mistakes to Avoid
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Assuming public healthcare starts immediately
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Buying tourist-only insurance for work visas
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Choosing the cheapest plan without adequate coverage
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Ignoring waiting periods and exclusions
FAQs
Is travel insurance mandatory for work visas?
It depends on the country. Some require proof of insurance, while others strongly recommend it.
How much does work visa insurance cost monthly?
Most plans range from $40 to $200 per month, depending on destination and coverage.
Can employer insurance replace travel insurance?
Sometimes, but employer coverage may start after a waiting period.
Does insurance affect visa approval?
In some countries, proof of insurance is required before visa issuance.
Final Thoughts
Work visa travel and health insurance is a critical part of international relocation planning. Costs, coverage, and requirements vary widely by country, so comparing options carefully helps ensure legal compliance and financial protection.
