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417 working holiday visa travel insurance

417 working holiday visa guide and information about getting 417 travel insurance.

If you’re interested in embarking on a working holiday in Australia, you’ll need to apply for a Working Holiday (subclass 417) visa. The 417 working holiday visa is designed to suit the needs of young people who want to work and travel in Australia for up to a year. It’s a temporary visa that aims to strengthen Australia’s cultural ties with other countries, but you’ll need to make sure that you satisfy all the necessary eligibility criteria before you apply.

Who offers cover to 417 working holiday visa holders complete

Brands Product Product Details Apply
1Cover Visitors to Australia

Unlimited medical expenses

Travellers who are not an Australian resident

Travellers who are visiting Australia on a temporary basis

Purchase of the policy within 14 days of your arrival in Australia

Travellers who are 16 to 74 years old

Get quoteMore info
Easy Travel Insurance Inbound Travel Insurance

$20,000 Cancellation or holiday deferment costs

$20,000 Emergency travel arrangements and accommodation expenses

$200,000 Medical evacuation and repatriation

Get quoteMore info
CoverMore Inbound

$10 million overseas medical and dental

$10 million additional expenses

$3,000 luggage and travel documents

$1 million personal liability

Get quoteMore info
BrandCover for travel into Australia?Cover for trips out of Australia?Apply
Southern Cross
  • Yes, provided you're on a visa that allows you access to medicare benefits
  • Yes, provided you're on a visa that allows you access to medicare benefits
Get quote
Cover is available, however:
  • There is no cover for return home
  • There is no cover for pre-existing medical conditions
  • Policy must bought at least 14 days before you arrive in Australia
  • Yes
Get quote
Tick Travel Insurance
  • Domestic policy is available if you're eligible for Medicare or have overseas student travel insurance in Australia
  • Yes, provided that you're eligible for Medicare or have overseas student travel insurance in Australia
Get quote
Budget Direct Travel Insurance
  • Domestic policy is available if you're eligible for Medicare or have overseas student travel insurance in Australia
  • Yes, provided that you're eligible for Medicare or have overseas student travel insurance in Australia
Get quote
worldcare travel insurance logo
  • Domestic policy is available if you're eligible for a medicare card
Yes, provided you
  • You purchase your policy in Australia before you commence your journey
  • Your journey begins and ends in Australia
  • Are aged 74 years and under
  • You hold a return ticket to Australia
  • You have a home address in Australia to which they intend to return
  • You hold a current Australian visa
  • There is no cover for pre-existing conditions
Get quote
InsureandGo
  • Domestic policy is available if you're eligible for Medicare or have overseas student travel insurance in Australia
  • Yes, provided that you're eligible for Medicare or have overseas student travel insurance in Australia
Get quote
Columbus Direct
  • Domestic policy is available if you have lived in Australia for a minimum of three months
  • Yes, provided that you have lived in Australia for a minimum of three months
Get quote
travel insurance saver logo
  • Domestic policy is available to non-residents under the age of 70
  • Yes – International Comprehensive, Bare Essentials and the Essentials policies are available as long as you are returning back to Australia.
Get quote

Can I get travel insurance on a 417 working holiday visa?

If you're in Australia on a 417 working holiday visa, you can get travel insurance. However, there are some condition including:

  • Age limits. Many policies may only be purchased by those under 70 years of age.
  • Getting cover prior to travel. Generally you can buy cover up to 12 months before you arrive in Australia.
  • Length of your trip. You can normally get cover for trips of up to 12 months.
  • No cover for going home. Most policies will not cover your return trip to your country of residence.

What does an inbound travel insurance policy normally cover?

While conditions vary between travel insurance brands, generally you can expect to be covered for:

  • Accidental death. If you suffer an injury that results in your death, your estate will receive a benefit if your death occurs within one year of the incident.
  • Additional expenses. Covers you for additional expenses you incur as the result of an unforeseen incident.
  • Cancellation. Covers you for cancellation costs you incur if you have to rearrange your journey due to an unforeseen event.
  • Delayed luggage allowance. Covers you for essential items if your bags are delayed for a predetermined amount of time.
  • Hospital incidentals. This benefit covers you for incidentals such as phone calls and magazines.
  • Luggage and travel documents. Covers you if your luggage is damaged, lost or stolen.
  • Medical and dental expenses. Covers you for medical expenses such as ambulances, emergency dental and medical treatment.
  • Personal liability. Covers you if you're legally liable for the injury or death of someone or cause damage to someone's property.

Who’s eligible for a 417 working holiday visa?

If you wish to be granted a 417 working holiday visa, you’ll need to meet the following eligibility requirements:

  • You must be aged between 18 and 30 years when you apply for the visa
  • You must hold a passport from one of the countries listed below, preferably valid for at least six months
  • Belgium
  • Canada
  • Republic of Cyprus
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Hong Kong
  • Republic of Ireland
  • Italy
  • Japan
  • Republic of Korea
  • Malta
  • The Netherlands
  • Norway
  • Sweden
  • Taiwan
  • The United Kingdom
  • You must not be accompanied by any dependent children
  • You must be outside Australia when you lodge your application and when your visa is granted (except if applying for a second Working Holiday visa)
  • You must not have previously entered the country on a Work and Holiday (subclass 462) visa or on a Working Holiday visa (except applicants of a second Working Holiday visa)
  • You’ll need to have sufficient funds, generally minimum of $5,000
  • You’ll need to have a return ticket or funds for a departure ticket from Australia
  • You’ll need to meet certain health requirements, and a medical examination may be required, depending on your country of residence
  • You must be of good character

People who have worked for a minimum of three months in a specified field or industry in regional Australia may also be eligible to apply for a second Working Holiday visa. Specified work includes:

  • Plant and animal cultivation
  • Fishing and pearling
  • Tree farming and felling
  • Mining
  • Construction

How to apply

Follow these steps if you want to apply for a 417 working holiday visa:

  1. Fill out form 1150 (application for a working holiday visa). You’ll need to provide the residential address where you intend to live while your application is being processed.
  2. Refer to the same form to calculate the charge for applying. Pay this fee.
  3. Lodge your application along with the payment and your supporting documents. If you’re applying for your first Working Holiday visa, you can mail, fax or hand-deliver your form to any Australian Immigration Office overseas. Applications for a second Working Holiday visa cannot be hand-delivered.

FAQ for 417 working holiday visa holders

Q. Do I need to be in Australia to apply for a second Working Holiday visa?

  • No. You can apply from outside Australia as long as you’ll also be outside Australia when approval is granted.

Q. How long am I able to work in Australia on a 417 visa?

  • While this visa allows you to stay in Australia for up to 12 months, you can generally only work for up to six months with each employer.

Q. Can I study on a 417 visa?

  • Yes. You can study in Australia for up to four months on a 417 visa.

Q. Can I leave Australia and return?

  • Yes. You can leave Australia and return an unlimited number of times while this visa is still valid.

Q. How much will my visa application cost?

  • There is a cost estimator feature on the Department of Immigration and Border Protection website that you can use to calculate the approximate charge you will have to pay.

Q. How can I find a reputable migration agent to help me with my application?

  • You can find a registered migration agent at the website for the Office of the Migration Agents Registration Authority.

RHCA

If your country has a Reciprocal Health Care Agreement (RHCA) in place with the Australian Government, you’ll be able to access subsidised health care and medicines during your time in Australia.Australia has agreements in place with the following countries:

  • New Zealand
  • The United Kingdom
  • Republic of Ireland
  • Sweden
  • The Netherlands
  • Finland
  • Italy
  • Belgium
  • Malta
  • Slovenia
  • Norway

However, make sure to check whether any special conditions apply to the cover you receive under your RHCA. For example, visitors from Italy and Malta are only covered for up to six months.

Medicare for visa holders

Visitors from countries with an RHCA with Australia are eligible for subsidised health care under Medicare, Australia’s public health system. Visa holders from all other approved countries will need to pay for treatment and medicine out of their own pocket.

With this in mind, it’s recommended that you invest in private health insurance for the duration of your time in Australia. You can take out a policy at home or through an insurance provider in Australia. Not only will it give you the peace of mind that you’ll be able to cover any unexpected medical costs, it will also increase the chances of your visa application being approved.

The 417 working holiday visa is the perfect tool for young people who want to spend up to a year travelling and working their way around Australia. Just make sure you’re aware of all the ins and outs of the visa before you apply or start making travel plans.
Image: Shutterstock

Richard Laycock

Richard is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

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2 Responses

  1. Default Gravatar
    IsabelleAugust 6, 2017

    Dear Sir or Madam,

    I’m a 417 visa holder from Germany and I think about to conclude a temporary Australian health insurance. I’m here in Australia since December 2016 and I will apply for my 2nd year Visa. Do I have to conclude a temporary insurance out of Australia or I can do this also here in Australia? I have a post address here in Australia.
    Thank you for your help!
    Cheers!
    Isabelle

    • finder Customer Care
      RenchAugust 6, 2017Staff

      Hi Isabelle,

      Thanks for reaching out to us.

      It’s recommended that you invest in private health insurance for the duration of your time in Australia. You can take out a policy at home or through an insurance provider in Australia. Not only will it give you the peace of mind that you’ll be able to cover any unexpected medical costs, it will also increase the chances of your visa application being approved.

      You can have look on this page for more helpful information about insurances for non-citizens of Australia.

      Cheers,
      Rench

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