Coverwise

Coverwise is a UK travel insurer that uniquely includes administrative and office work coverage in their standard policies, then adds optional coverage for hazardous activities like construction, warehouse work, or manual labor. This flexibility makes them suited for working holiday makers who aren't sure what job they'll land or might change industries mid-trip.

If you're heading out on a working holiday expecting to do various types of work, Coverwise's standard inclusion of admin roles (which many insurers exclude by default) saves you from buying expensive add-ons. Their optional hazardous work coverage is useful if you're considering seasonal work in manual labor or hospitality, though the premiums for higher-risk jobs will be noticeably steeper than office coverage.