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The Intermediate Plan gives you all the benefits of the Basic plan with extended medical cover plus travel insurance to cover you for delayed or missed travel arrangements and theft of luggage and personal belongings. Unlike the Basic plan which is only valid when actually on a farm the Intermediate plan covers you on holiday, while travelling and between farms.
The Intermediate 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 for the duration of your policy. |
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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.oo 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 expenses
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Up to 3000 euro for emergency medical expenses. |
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Up to 1000 euro for emergency dental treatment. |
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Valid for the duration of your policy. |
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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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Travel and Personal belongings |
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Delayed or missed flights - up to 200 euro. |
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Luggage and personal belongings up to 600 euro. |
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Extra cover for personal valuables (Ipod, mobile 'phone, laptop computer, camera) up to 400 euro. |
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| Valid for the duration of your policy. |
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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.
The main advantage of the increased medical cover is not the increase in the amounts but the extension of the cover from "just on a farm" to "for your entire trip".
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You are covered for
Out-of-pocket expenses resulting from a delayed or missed flight.
Loss or theft of luggage and personal belongings.
Delayed arrival of checked luggage.
Personal valuables
Included extra cover for high risk personal valubles (Ipod/Mp3 player, mobile 'phone, laptop/tablet computer, camera).
All items must be specified at the time of ordering as items cannot be added at a later date.
You will need to provide model names and serial numbers when adding the item and proof of purchase/ownership when making a claim.
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