On Workation: what insurance do you absolutely need?
You're about to embark on a perfectly organized workation or start an adventure, but then the question arises: "What insurance do I actually need?" Don’t worry! We make sure that you can leave stress-free. Whether you're working for a week in Valencia or spending a few months in the mountains of Southern Italy, we not only help you with the workation you need, but also personally assist you in arranging the right insurance, so you can focus solely on enjoying your workation.
Which insurances are really needed?
Every trip is unique, and so are the insurances you need. That’s why we’ve created an overview of different types of trips and the corresponding insurance requirements. Whether you’re going for a short trip or planning a long-term workation, we will help you arrange everything. Below you’ll find the key information!
|
Type of trip |
For who / when | Must-haves (almost always) | Smart to add (depending on your trip) | Extra attention (workation-proof) |
|---|---|---|---|---|
| Workation (kort verblijf) | 1–4 weeks. You mainly want: focus + sun + good internet | Travel insurance (medical costs + baggage) | Cancellation/interruption, liability (AVP) if you don’t have it already |
Do you work with a laptop/gear? Check electronics coverage and coverage for theft (also outside your accommodation). |
| Workation (langdurig) | 1–6+ months. You "live" temporarily at your destination | Ongoing or long-term travel insurance (medical + assistance) | Additional medical coverage (if your basic insurance doesn’t cover everything), cancellation/interruption, legal assistance abroad |
Pay extra attention to: work-related items, activities (sports/scooter), and whether your policy accepts long-term stays and remote working. |
| Backpacking (indefinite duration) | Flexible, multiple countries, always on the go, little planning | Long-term travel / worldwide coverage (medical + repatriation) | Luggage + electronics extra, legal assistance, accident insurance |
The risks are often in: |
Cancellation insurance: standard vs. all-risk (what’s the difference?)
You often see two types of cancellation insurance: a standard cancellation insurance and an all-risk variant. Both are designed to get (part of) your trip cost back if you can’t leave unexpectedly or need to return earlier, but the difference lies mainly in the reason for cancellation.
- Standard cancellation insurance: Covers cancellation for the "classic" valid reasons listed in the terms (e.g., serious illness/accident, death of a loved one, or other situations explicitly covered in the policy).
- All-risk cancellation insurance: This is broader. In addition to standard reasons, you can often cancel for more unforeseen circumstances (within the policy terms). Useful if work or personal matters might change last-minute.
Our workationers rule: If you’re going for a short workation with clear plans, standard is often fine. If you have a busy schedule, are dependent on projects/clients, or just want maximum flexibility, then all-risk is often a better choice.
Unsure? Drop us a message with your destination + trip duration + trip type, and we’ll personally help you make the right choice. It’ll save you an evening of translating terms. 😉
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Why work with a reliable travel agency?
When you offer or book a package trip, there are certain rules and obligations you must meet. When you book your trip via the workationers, you can be sure you’re working with a professional and trustworthy partner. We are affiliated with the calamiteitenfonds and VZR garant, which means you (and your customers) are guaranteed protection in unforeseen situations such as cancellations or unexpected changes like natural disasters or terrorist attacks. This not only makes us a reliable partner but ensures you can always travel with peace of mind.
What do we offer?
- Calamiteitenfonds: This fund ensures you're protected in case of natural disasters, unforeseen events, or cancellations when there’s unexpected unrest at your travel destination.
- VZR garant: Should something go wrong with a travel agency, such as bankruptcy, VZR garant provides a safety net for you and your trip (or down payments).
Since we, as a partner, comply with all European obligations for offering package holidays, you can focus entirely on your adventure without worrying about administrative hassle.
We take care of everything for you
At theWorkationers, we ensure that your workation is fully arranged. We help you not only with planning your trip and finding the right destination but also with choosing the right insurance. All you need to do is tell us where you want to go, and we’ll take care of the rest!
If you have any questions or need advice on which insurance is best for your situation, feel free to contact us! Our team is ready to help you personally and ensure you're well-covered on your trip.
Conclusion
With the right insurance in hand, you can focus entirely on what’s truly important: your workation, your relaxation, and your productivity. Let us help you get everything arranged in one go, so you can enjoy your adventure worry-free. We take care of the rest, so you can work and enjoy! 🌍✈️
