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The Basic Volunteer plan is the one required by most WWOOF organisations and Hosts as it will provide you with medical and accident cover whilst you are volunteering and also covers the hosts for any accidental damage you might do to their property.
The cover is valid worldwide APART FROM North America and Canada.
This means that the insurance is not valid in the countries of North America and Canada for any nationality. Everyone, including North American and Canadian nationals, IS COVERED everywhere else.
The Basic Volunteer Plan provides:
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Volunteer cover
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Third Party Civil Liability - up to 1.500.000 euro. |
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Compensation for damage, death, personal injury and damage to property and effects of third parties as a result of an accident involuntarily caused by the insured. |
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Valid only when on a Host farm or project |
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| This protects your Host and any other third parties against any accidental damage you might cause. |
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Accidents - Death - Disability |
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Up to 25.000 euro - up to 50.000 euro.
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Valid only when on a host farm or project. |
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| This will cover you in the unfortunate event of an accident resulting in serious injury or death. |
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A Woofer was using a wheelbarrow to bring some firewood to the house. She slipped and the wheelbarrow crashed into the side of the Hosts car causing 1400 euros of damage, an expense that both the WWOOFer and the Host would have had difficulty in meeting. Under the Third Party Liability section of the WWOOFers cover the insurance covered the cost.
A Wwoofer was taking a Hosts dog for a walk when it jumped into the road in front of a car, causing it to crash with 1100 euro of damage to the car, which both the Host, as the dogs owner, and the WWOOFer, as the dogs custodian, were liable for. Under the Third Party Liability section of the WWOOFers cover the insurance covered the repairs.
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An American volunteer was killed in a road accident in Spain. The cost of the emergency services, autopsy, certificates and permits, repatriation of the coffin, and the expenses of the next of kin's travel and accommodation costs came to 21,000 euro.
A French volunteer was using a log splitting machine on a farm in Germany and accidentally chopped of 4 fingers on one hand. The volunteer had to be airlifted from the remote farm to a specialist surgery unit able to undertake the complex surgery to reattach 3 of the fingers. The total medical costs were 27,000 euro. This was covered by the 2000 euro medical costs and 32,000 euro payment for the permanent damage of the lost finger.
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| Medical cover |
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Medical Expenses: Up to 2000 euro for emergency medical expenses which includes up to 500 euro for emergency dental treatment. |
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Valid only when on a host farm or project.
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| This will cover you for most of the medical situations you would be likely to encounter whilst WWOOFing. |
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In the six years we have held the policy 2000 euro for medical expenses and 500 euro for dentistry have proved to be more than enough for the kind of medical expenses WWOOFers and volunteers encounter.
For the most part the claims are for visits to a local doctor or hospital emergency, x rays or tests and some prescription medicines or treatments with the average cost of around 400 euro.
Occasionally some one has appendicitis or has a more serious accident involving surgery and a short stay in hospital, but the costs have never exceeded 2000 euro.
The average cost for emergency dental work like replacing fillings and caps or extractions is around 250 euro.
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