According to a government website, there are approximately 900,000 Australians living and working overseas at any one time. Australians are renowned for their globetrotting - how often have you come across an Aussie serving behind a bar in even the most remote of places around the world?

There are a number of reasons you might be working overseas: maybe you're heading off to work in your company's overseas office; perhaps you're an independent contractor whose skills are in demand all over the globe; you could be studying overseas and need a part-time job; or maybe you're just young and filled with wanderlust but need to fund your travels.

Whether you're a backpacker with a holiday job or an expatriate working in New York you'll need some decent travel insurance. The risk of becoming a casualty of illness or a serious accident increases exponentially with the length of time you live away from home. The potential costs arising from unexpected incidents such as these, could leave you financially burdened for a very long time. For example, hospitalisation in some European hospitals can cost upwards of $1,000 a day. A travel insurance policy will go a long way towards minimising the possibility of monetary losses.

Here's a few things to look out for...

¥ Check to see that your particular occupation is covered.

¥ Be mindful of the fact that your policy may not extend to public liability cover whilst you're at work. Have a chat to your prospective employers - there's a very good chance that you'll automatically have access to public liability insurance through your employment contract.

¥ Please note that it is unlikely that any insurer would cover you at all for any work involving the use of mechanical or industrial machinery. However, if you are, ask them if they can extend cover for you.

¥ Typically, "light" or "non-manual" work such as bar and restaurant work, office work, nursing and even fruit picking would be covered but you will need to check with your insurance supplier.

Don't forget to ensure that you have all your relevant employment documentation with you and check to see if you need a special working visa! You might like to take a look at the Australian Government DFAT website http://www.smartraveller.gov.au that will give you excellent guidance and information on working overseas.

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When a hockey player or coach goes overseas for a game in another country, have given serious consideration to obtain adequate medical insurance before their trip. Athletes from all sports are exposed to many dangers when traveling outside their country of origin, however, hockey players tend to be more vulnerable than most because of the approximate nature of the sport they play. Drop an unexpected illness or accident is not covered by medical servicessufficiently covered by existing insurance because of territorial limitations or high excesses. Depending on where you are driving, serious illness or injury can require that they be evacuated to hospital, or in the air in another country where medical services are better. Eliminate air tends to be very expensive and can easily be over $ 25,000. Although hockey players and coaches can do a lot of money in their area of insurance improper conduct of a massive financialLoad.

There are several types of insurance that all coaches and hockey players in particular must be before he met on the street and decides to travel outside of their country. They include medical, emergency dental treatment, emergency evacuation, emergency reunion, and repatriation of remains and of course lost checked baggage. Hospital doctors and hospitalization should ambulatory surgery, anesthesiology include doctor's fee, medications, diagnostic procedures,Oxygen, drugs and emergency local ambulance.

Emergency dental is one of those things that every hockey player, no matter what you see so many hockey players loose teeth in fights and driving on the ice should have. It should replace emergency dental treatment and emergency dental surgery, if necessary, or restore teeth. In case of emergency is something that has also been highly recommended for ice hockey players and coaches, as in the case of the host countries contribute toDisorders or in case of accident. In case of accident, may be cause for emergency or air transport to the nearest hospital.

Emergency reunion is in an accident, so it can be flown by members of the injured person to be with them while they are in hospital. It usually consists of a return ticket for the economy, in which the injured party has received treatment.

The repatriation of remains in case of the event thatHockey player or coach dies as a result of their injuries or illnesses, so that his body returned to their country of origin. Another fun thing to have all the hockey player and coach, looked lost luggage insurance. This is important because all the athletes who carry their equipment with them or at least a possibility to replace them, if not necessary. In the case of lost luggage, the insurance will pay to replace the luggage or at least theleasing of equipment, so that the game even more. The airlines have similar policies, but it often takes a day or two, or the funds are insufficient data. If you fly in a new country to play a game that night, you have no time to wait for the airline to have a little 'money to replace your contributions.

If you are a coach or player, is always a good idea to be prepared and have adequate insurance Hockey before leaving the country. You never know when youcan save lives.

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