Insurance

We believe that safety and enjoyment are equally important when travelling with Concordia. It is therefore one of our terms and conditions of booking that you have adequate insurance in place before you travel with us. Concordia has partnered with Endsleigh Insurance to offer you a comprehensive travel insurance policy as part of the Concordia membership which has been specifically designed to meet your requirements whilst on your trip with us. Please note that the policy covers you up to a maximum period of one year while you are on an active work placement with Concordia. If you decide not to take out Concordia membership you must show us original evidence of a genuine and fully comparable insurance policy.

Special features

1. Cancellation and curtailment cover, in the unlikely event that due to your personal circumstances you have to cut short or cancel your trip
2. Cover for emergency medical treatment, hospitalisation and repatriation
3. 24-hour medical emergency assistance
4. Replacement of your baggage, personal possessions, money and travel documents such as passport or visas
5. Designed for working holidays
6. Full EU cover
7. Up to 100 sports and activities included at no extra cost £

Summary of cover

Your cover	Cover limits
Cancellation or Curtailment Charges	£5,000
Emergency Medical Expenses	£5,000,000
Hospitalisation Benefit	£15/ 24hrs max £300
Death, Loss of one or more limbs and/or loss of sight in one or both eyes or Permanent Total Disablement	£7,500
Baggage	£2,500
Cash Limit	£300
Money Total Limit	£500
Passport & Documents	£500
Personal Liability	£2,000,000
Delayed Departure	£20 / 12hrs max £100
Missed Departure	£500
Hijack and Hostage	£3,000
Catastrophes and Natural Disasters	£500
Flight Delay	£1,000
Personal Injury	£7,500
Incarceration	£1,000
Overseas Legal Expenses & Assistance	£50,000

Further details of the policy arranged by Concordia can be obtained directly from Concordia. Or click here for the full policy.

Sports and activities

For a list of sports and activities covered by this policy please click here.

Medical Care
You are entitled to free emergency medical treatment whilst you are working here but may be asked to pay for non-emergency medical appointments. This depends on whether your government and Britain have reciprocal agreements.

It is important that EU participants bring a European Health Insurance Card (EHIC) with them. This permits them to have medical treatment on the National Health Service and also reduces the excess payable if a claim is necessary from Concordia insurance.

If you do not have an EHIC card and you need to visit a doctor, they can chose to treat you either privately (this means you will have to pay) or on the National Health Service. Although the Concordia insurance does cover some medical expenses please note that it is not a medical or life insurance policy. For this reason you may wish to consider taking out a separate medical insurance policy before you leave your country.

For a cold or allergy it is usual in the UK to go to a chemist, rather than a doctor, for advice on treatment and medication. In the UK many people buy over-the-counter medication to help them feel better at these times. Please check with the chemist before you take anything.