Internship Insurance Abroad:
The Complete Guide
Everything you need to know about internship insurance, liability, and medical coverage during your internship abroad.
Why specialized internship insurance?
A standard travel insurance policy is often not sufficient for an internship abroad. The most important reasons to take out a special package are:
Internship & Work
Damage you cause during working hours is excluded from normal policies.
Long Duration
Standard insurances often cover max 60 days continuous stay.
Medical Costs
Covers costs above the UK rate (needed in USA, Switzerland, private clinics).
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The Basics: GHIC / EHIC
UK residents can access state healthcare in Europe with a GHIC (Global Health Insurance Card) or a valid EHIC. This covers medically necessary treatment.
Note: Not a substitute for insurance
GHIC/EHIC is not an alternative to travel insurance. It does not cover private medical healthcare or costs such as mountain rescue or being flown back to the UK (repatriation).
Always take out appropriate travel insurance with healthcare cover.
Work & Liability
This is the most forgotten part. Suppose you spill coffee on your boss's laptop, or you make a mistake causing financial loss to the company.
- Personal Liability:
Covers damage you cause to others in your free time.
- Professional Liability (Internship):
Crucial! Covers damage during working hours. Many 'standard' travel insurances exclude this.
Travel Insurance & SOS
Annual multi-trip insurance is often not enough for an internship of 5 or 6 months. Pay attention to the following points:
Maximum Trip Duration
Many policies cover max 31, 60, or 90 days. For a 5-month internship you need a 'long-stay' or 'backpacker' policy.
Repatriation
Medical transport back to the UK (air ambulance) costs thousands of pounds. Ensure this is fully covered.
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