Expat & Living Overseas Travel Insurance – Stay Covered Abroad

Whether you’re relocating for work, studying overseas, or living as a digital nomad, long-term international travel comes with unique risks. Standard travel insurance plans often become unaffordable or unsuitable for long stays, especially for expats or travelers living abroad for several months or more.

Our Expat & Living Overseas Travel Insurance plans are built specifically for people living abroad — offering flexible coverage for international medical needs, global emergencies, and ongoing travel.

Why You Need Expat Travel Insurance

Living abroad means navigating unfamiliar healthcare systems, language barriers, and uncertain local coverage — especially if you’re outside your home country’s public health safety net.

Expat travel insurance can provide:

  • Global emergency medical coverage
  • Access to private hospitals abroad
  • Portability across countries if your plans change
  • Coverage for pre-existing conditions (depending on plan)
  • Optional evacuation, dental, and wellness add-ons

Whether you’re based in one country or moving between several, these policies are designed to support your lifestyle with international flexibility.

Key Benefits of Expat Insurance Plans

Coverage features vary by provider, but most plans offer the following:

Emergency Medical & Hospitalization

Coverage for inpatient and outpatient care, surgery, and global doctor visits.

Medical Evacuation & Repatriation

Emergency transport to the nearest appropriate facility — or repatriation to your home country if medically necessary.

Pre-Existing Conditions

Some plans provide coverage for declared, stable pre-existing conditions. Review waiting periods and eligibility.

Routine & Preventative Care

Add-ons for general checkups, vaccinations, and screenings — ideal for long stays.

Dental & Vision Coverage

Routine dental cleanings, emergency dental work, and vision benefits available on select plans.

Maternity & Newborn Benefits

Coverage for pregnancy care and delivery may be included with certain long-term plans (after waiting periods).

Mental Health Support

Access to mental health and counseling services may be included, especially in comprehensive global plans.

Portability Between Countries

If you move countries mid-policy, many plans allow coverage to follow you — great for nomads and flexible living.

COVID-19 Coverage

Most current plans include treatment, quarantine costs, or trip changes related to COVID-19.

24/7 Global Assistance

Access to multilingual helplines and medical coordination services around the clock, wherever you are.

Who Is This Coverage For?

If you’re no longer eligible for short-term travel insurance — or need consistent coverage while abroad — an expat plan may be the right fit.

These plans are ideal for:

Expats living overseas for 6+ months
Students studying abroad or participating in international exchange programs
Digital nomads, freelancers, and remote workers
Retirees living part-time abroad
Missionaries, volunteers, or international aid workers
Families living overseas due to relocation or lifestyle
Travelers based in a foreign country long-term

Who Can Apply?

Our expat travel insurance plans are available to:

  • U.S. citizens and residents

  • Australians, UK, and EU citizens
  • Non-U.S. citizens living or working abroad
  • Students, digital nomads, and long-term travelers with mixed nationalities

  • Families relocating overseas or living abroad part-time

These plans are designed for global lifestyles — whether you’re based in one country or traveling between several.

Most expat policies include:

  • Long-term medical coverage with annual or multi-month options

  • Emergency medical, evacuation, and hospital care abroad

  • Optional benefits like dental, vision, maternity, or mental health
  • Coverage across multiple countries for those relocating or on the move
  • Support for declared pre-existing conditions (on eligible plans)

Note: These policies are not a substitute for government-mandated national health insurance. Always check your destination country’s visa and residency rules.

Tips for Choosing the Right Plan

Length of Stay

Some plans are renewable annually, while others offer coverage up to 365 days per trip.

Medical Needs

Choose between emergency-only coverage or comprehensive healthcare with checkups and extras.

Country Mobility

If you plan to move during your stay, prioritize plans with global portability.

Budget

Both basic and premium options are available — compare limits, deductibles, and upgrade features.

Ready to Find the Right Plan?

Compare Plans Now

Main Plan Comparison

You’ll instantly see plans that match your profile — filtered by eligibility, insurer, and activity type. Compare benefits at a glance, then proceed securely to complete your purchase directly with the insurer.

Have questions or a complex itinerary? Contact our team at [email protected] — we’re happy to help you find the best coverage for your journey.