Home / Compare Travel Insurance / UK working holiday visa…
Our travel insurance expert, Adrian Taylor, has some insider tips on finding a great travel insurance policy to help keep you covered.
Purchase cover well before you travel. Travel insurance coverage begins the moment you pay for it and more comprehensive levels of cover can help cover cancellations and other disruptions (up to the policy sub-limits) which could happen before you even leave for the airport.
Look for a policy that allows you to declare any pre-existing conditions before you travel; the insurer will assess your conditions and may decide to cover you for it. Although you’ll have access to the National Health Service (NHS) as part of your visa application, any treatment not covered by the NHS may be covered by travel insurance with medical expenses.
Compare the Market can compare a range of travel insurance policies with up to 12 months of cover. If you plan on staying overseas for years at a time, you may need to extend your policy or look for long-term travel insurance. However, if you’re just jetting off for a gap year to work and travel overseas, it’s important to search for a travel insurance policy. The longer you’re overseas, the more chance that something might go wrong, so consider comparing travel insurance policies today.
Australians can live in the UK visa-free for up to six months as a tourist. However, if you’re looking to do any paid, unpaid or volunteer work while in the UK, you will need a working holiday visa. There are a variety of working visas available to you based on the type of work you plan to do, as well as a range of study and visitor visas.
The UK Government has a helpful tool to determine which visa you should apply for based on your circumstances. However, the most common types of working visas for Australians include:
| Type of visa | How it woks |
| Skilled Worker visa |
Many jobs can be considered skilled, so long as they meet the eligibility requirements for this visa. You can apply for this type of visa if:1
|
| Health and Care Worker visa |
The Health and Care Worker visa allows qualified doctors, nurses, social care workers and other health professionals to work in the UK.3 You can apply for this type of visa if:
This visa allows you to live and work in the UK for up to five years. You can renew this visa if you’re eligible to do so. If you change jobs during these five years, you will need to apply to update your visa. |
| Youth Mobility Scheme visa |
Designed to give young people a taste of life overseas, the UK Youth Mobility Scheme visa (YMS) is a type of short-term visa that bundles visiting permits and work permits together.4 You may be approved for this visa if you meet the following requirements:
There are also nationality conditions for this visa. You’ll need to meet one of the following nationality requirements:
The Youth Mobility Scheme Visa is a two-year visa; however, as of January 2024, Australians can now apply to extend the visa for an extra year, equating to a total of three years.5 This visa can only be used once in your life, and can only be extended for the additional year once as well.6 Australians who turn 35 after they’ve applied for the visa are still considered an eligible age and can continue to stay in the UK until the visa expires. |
| UK Ancestry visa |
The UK Home Office provides a visa for those who have ancestral family ties to the UK. You can apply for a UK Ancestry visa if:7
A UK Ancestry visa allows you to work, study and bring a partner and any children with you to stay for up to five years. After this five-year period, you can apply to extend your visa for another five years or apply to settle permanently. |
| Information correct as of March 2026. | |
There are two ways to apply for a UK working holiday visa: You can submit an application yourself to the UK Government or have an agency handle the application process for you. Provided you have all the correct documents, the application shouldn’t take longer than 30 minutes to complete.
Depending on the specific visa you’re applying for, applications from Australia will typically require:8
For working visas, you can usually apply as early as three months before your trip. Any visa will require you to follow the country’s laws for the duration of your stay, though the laws in the UK are similar to Australia’s.
Comprehensive travel insurance is a great idea when going abroad, especially for working holidaymakers. No one wants to think about the worst-case scenarios when stepping into an exciting new country, but it’s good to have a backup plan regardless.
When getting travel insurance, it’s a good idea to keep in mind:
The UK’s Standard Visitor visa allows you to partake in some business activities in the UK. For example, you are able to stay for up to six months to attend interviews, meetings, conferences and seminars, or negotiate and sign deals and contracts. You can also attend trade fairs to promote your business; however, you cannot sell anything. It’s important to check that your intended business activities are allowed before applying for the visa.
The UK Standard Visitor visa also allows you to volunteer for up to 30 days for a charity, but you cannot do any paid or unpaid work as a listed employee for a UK employer.9 Likewise, you cannot do any paid work as a self-employed person.
In some cases, you may be able to visit for a paid event or pre-arranged engagement, such as visiting as a guest academic for a lecture, a sportsperson or a professional entertainer, as long as you have a written invitation from a UK-based organisation or client.
If you’re a Commonwealth citizen and passport holder and intend to work you will most likely need to apply for a working holiday visa, being the Youth Mobility Scheme visa. Only those who are travelling as a tourist and aren’t planning on doing any paid or unpaid work may be able to visit without a visa.
A UK working holiday visa doesn’t cover work or entry into the Republic of Ireland; you’ll need to apply for a separate Irish visa through the Irish Immigration Service to enter this country. You will be able to visit Northern Ireland, which is part of the UK, with a UK visa.
If you work in the UK, you’ll need a National Insurance Number to receive your salary, pay tax and more. National Insurance is a social security contribution that helps fund UK state pensions, and benefits such as maternity allowances and bereavement support.
If you have an eVisa (or a biometric residence permit), you might already have a National Insurance Number. Otherwise, you can apply for one once you’re in the UK.
All visa applicants staying in the UK for longer than six months used to be issued a biometric residence permit (BRP), a legally required form of identification that functions as proof of your right to stay and work in the UK. However, these have been replaced with eVisas.10
eVisas are replacing the UK’s physical immigration documents and will act as a digital record of your identity, your visa type and other important information such as whether you’re eligible to work.
Opening a UK bank account means you can have easy access to your money without incurring expensive international drawing fees from using your Australian one. It’s also a necessary task for when you begin working.
There are a few ways you can set up a UK bank account:
The UK working holiday visa is designed so you can supplement your travels by earning an income. You’re permitted to do almost any kind of work; check your visa conditions for jobs you can’t do. If you really want to travel, consider the types of jobs you’re applying for; for example, many casual and short-term jobs involve hospitality. These are often easier to pick up and drop when it suits your travel plans.
During your stay, you won’t have to submit a tax return, as your employer should be taking the right contributions out using your National Insurance Number, unless you’re working for yourself or getting additional UK income. You’ll likely also have to pay National Insurance.11
You can apply for a tax refund or tax relief if you think you’ve overpaid or you’re only planning to work in the UK for a short time. Speak to a qualified financial expert if you’re unsure how to proceed.
You’ll also likely have to report your overseas earnings with the Australian Tax Office (ATO) when you return.
When you arrive home, something to remember is re-enrolling to vote. Note that you can only enrol to vote if you’ve lived at your address for at least a month, according to the AEC.12
No, your visa will still be active until you reach the expiration date. Working visas normally allow multiple entries for visa holders, so you can enter and exit the country as much as you like while the visa is valid. Working holiday visas don’t ‘pause’ when you leave the country, and your leave date cannot be changed regardless of how long you were in the UK.
As a General Insurance expert with over 13 years’ experience in financial services, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.
1 Gov.uk. Skilled Worker visa – Your job. Accessed March 2026.
2 Gov.uk. Skilled Worker visa – Overview. Accessed March 2026.
3 Gov.uk. Health and Care Worker visa. Accessed March 2026.
4 Gov.uk. Youth Mobility Scheme visa – Eligibility. Accessed March 2026.
5 Gov.uk. Youth Mobility Scheme visa – Extend your visa. Accessed March 2026.
6 Gov.uk. Youth Mobility Scheme visa – Overview. Accessed March 2026.
7 Gov.uk. UK Ancestry visa – Overview. Accessed March 2026.
8 Gov.uk How to apply for a visa to come to the UK. Accessed March 2026.
9 Gov.uk. Visit the UK as a Standard Visitor. Accessed March 2026.
10 Gov.uk. Biometric residence permits (BRPs). Accessed March 2026.
11 Gov.uk. Tax if you come to the UK. Accessed March 2026.
12 Australian Electoral Commission. Enrol to vote. Updated February 2026. Accessed March 2026.