Post Office
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Post Office has offered travel insurance since 1993 and brought their digital nomad product into the working holiday space, acknowledging that many gap-year travelers also do remote work or run small online businesses alongside local employment. The 18-month term aligns with longer working holiday visas, and the digital nomad add-on covers income earned online while you're abroad.
This option suits hybrid travelers, people mixing local bar work with freelance clients back home, or running an online venture while on a working holiday. It's notably broader than pure employment-based policies.