Santexpat becomes careXpat

Insurance profile · PVT and Working Holiday Visa

PVT and Working Holiday Visa insurance: comparison and best plan for 2026

A Working Holiday Visa offers a once-in-a-lifetime experience, but a medical problem can quickly become a financial crisis. careXpat compares the best plans for the 13 eligible countries, with an immediate certificate for your visa.

Request a callback

13 destinations Immediate certificate From €33/month

PVT and Working Holiday Visa insurance: comparison and best plan for 2026

The foundation for your adventure

Appendix surgery in Seoul? €3,800 without cover

As soon as you leave France, your social security cover ends. Given overseas medical costs, Working Holiday insurance is essential to your plans and is sometimes required at the border.

Whether you are heading to Oceania, Asia or Latin America, careXpat compares trusted insurers to find the best protection for you across the programme's 13 eligible countries.

Depending on your destination

Every country has its own requirements

Australia: the No. 1 destination

It is the most popular destination for working holidaymakers. With healthcare so expensive, adequate cover is essential: an accident can happen quickly and cost a fortune without the right policy.

Aim for a cover limit of at least €500,000
Explicit cover for fruit picking and manual jobs
Assistance and repatriation available 24/7

Understanding the differences

WHV insurance or standard travel insurance?

Short stay

Standard travel insurance

Duration: Often limited to 90 days, for holidays.
Work: Specifically excludes any paid professional activity.
Ideal for: A short tourist stay without local employment.

Long stay · 12 to 24 months

PVT / WHV insurance

Duration: A long-stay policy of 12 to 24 months, depending on the country.
Work: Covers your leisure activities as well as temporary local jobs.
Ideal for: The Working Holiday Visa, with an insurance certificate for the visa.

The benefits that matter

Critical limits you should never overlook

Medical expenses: €500,000 minimum

Aim for cover at 100% of actual costs, ideally unlimited for North America. This is the benefit that protects you from bankruptcy following an accident.

Medical repatriation

Full cover for medically assisted return: essential.

Personal liability

Protects you if you injure someone or damage equipment.

Fruit picking, WWOOFing and manual jobs

Farm work is a core part of the WHV experience: your policy must explicitly cover agricultural, restaurant and hotel work.

Refund for unused months

Remaining months refunded if you return earlier than planned.

24/7 assistance in French

A helpline available at any time, without a language barrier.

13 eligible destinations

Australia, Canada, New Zealand and beyond

No. 1 destination

Australia

Very expensive healthcare: a minimum limit of €500,000 and explicit fruit-picking cover are essential for peace of mind.

24-month visa

Canada

The policy must cover the full 24 months: border officials use it to determine the permit's duration.

Compulsory

New Zealand

Your certificate is checked at the airport. Without it, entry may be refused.

Recommended

Asia · Latin America

Japan, Korea, Argentina, Chile: comprehensive international cover remains essential.

How much it costs

Budgeting for your destination

Standard cover

Monthly

€33 to €40 / year

Quality protection without falling below critical limits.

Australia · 12 months

Working Holiday

€400 to €480 total

Overall budget for a full year in Oceania.

Canada · 24 months

Long-stay visa

€800 to €950 total

Budget to cover the permit's full 24 months.

Your budget depends on your destination, duration and level of cover. An adviser will refine the estimate with you, free of charge.

careXpat is by your side

Ready to set off on your working holiday?

Do not let paperwork delay your adventure. Our experts guide you towards the ideal policy for safe travel, including your visa insurance certificate.

No obligation Immediate certificate In French

careXpat is by your side

Frequently asked questions

What is the best insurance for a Working Holiday Visa in Australia?

The best WHV insurance for Australia offers a reimbursement limit of at least €500,000, no deductible for emergencies, and cover for agricultural activities such as fruit picking. Our comparison identifies the policy best suited to your budget.

Is WHV insurance compulsory, and in which countries?

It is strictly compulsory to enter New Zealand and Canada. For Australia, Japan or South Korea, it is required or very strongly recommended to finalise visa approval and avoid personal bankruptcy in the event of an accident.

How much does WHV insurance cost per month?

Market prices start at around €33 per month for basic budget plans. For very comprehensive cover in expensive destinations, the price generally ranges from €40 to €45 per month.

What is the difference between WHV insurance and standard travel insurance?

Travel insurance is often limited to 90 days and specifically excludes paid work. WHV insurance is a long-stay policy (12 to 24 months) designed to cover both your leisure activities and temporary jobs abroad.

Does WHV insurance cover fruit picking and WWOOFing?

Yes, the vast majority of policies designed for the WHV programme cover fruit picking, WWOOFing, hospitality work and agricultural work in general. Always check this essential point in the insurer's terms and conditions before taking out cover.

Can I get a refund for unused months of WHV insurance?

Yes, many policies provide a refund for prepaid months if you return permanently to France before your visa officially expires. This clause often requires that you have made no medical reimbursement claims during your stay.

WHV insurance for Canada: why does it cover 24 months?

The Canadian government grants French nationals a visa with an exceptional duration of 24 months. The immigration officer at the border will set the exact length of your work permit to match the validity period of your insurance certificate.

How do I get an insurance certificate for my Working Holiday Visa?

When you take out cover online through our comparison tool, you receive your certificate instantly by email, in French and English, ready to present to the immigration authorities.