Expat & Living Overseas Travel Insurance

Whether you’re relocating for work, studying abroad, or living as a digital nomad, long-term travel requires more than standard vacation insurance. Expat & Living Overseas Travel Insurance is designed for travelers who spend months or years abroad — providing continuous global medical coverage, emergency evacuation, and ongoing travel protection.

These plans combine international health benefits with travel insurance flexibility, helping you stay covered between countries or long stays away from home.

Why You Need Expat Travel Insurance

Living overseas can be rewarding, but it also means navigating unfamiliar healthcare systems, potential language barriers, and unexpected medical costs — especially outside your home country’s safety net.

Expat travel insurance provides comprehensive coverage for medical care, emergencies, and relocations between countries. Depending on the plan you choose, coverage may include:

  • Global emergency medical protection

  • Access to private hospitals and international clinics

  • Portability if you move countries mid-policy

  • Optional coverage for dental, vision, and maternity

  • Support for declared pre-existing conditions (on eligible plans)

  • Optional wellness and evacuation add-ons

Whether you’re based in one country or constantly on the move, these plans are built to adapt to your global lifestyle.

Key Benefits of Expat Insurance Plans

Coverage details vary by insurer, but most plans include:

Emergency Medical & Hospitalization

Worldwide coverage for inpatient, outpatient, surgery, and follow-up treatment.

Medical Evacuation & Repatriation

Transport to the nearest suitable facility or repatriation home if required.

Pre-Existing Conditions

Select plans include coverage for declared and stable pre-existing conditions. (Check eligibility and waiting periods per insurer.)

Routine & Preventative Care

Add-ons for annual checkups, vaccinations, and wellness services.

Dental & Vision Coverage

Routine dental and optical benefits, plus emergency treatment for unexpected issues.

Maternity & Newborn Benefits

Certain long-term policies include pregnancy and delivery benefits after waiting periods.

Mental Health Support

Access to counseling or therapy services within global medical networks.

Portability Between Countries

Coverage continues even if you relocate mid-policy — ideal for flexible or nomadic lifestyles.

COVID-19 Coverage

Most modern policies include coverage for COVID-related treatment, quarantine, and trip interruption.

24/7 Global Assistance

Multilingual support and emergency coordination around the clock, worldwide.

Who Is This Coverage For?

Expat and long-term travel insurance is ideal for:

Professionals and expats living overseas for six months or more
Students enrolled in study-abroad or exchange programs
Digital nomads and freelancers working remotely abroad
Retirees living part-time overseas
Missionaries or volunteers on long-term assignments
Families relocating for work or lifestyle reasons
Travelers based in a foreign country long-term

Who Can Apply?

Our expat plans are available to travelers from more than 140 countries, including:

  • U.S. citizens and residents living or working abroad

  • Australians, Europeans, and UK travelers living overseas

  • Non-U.S. citizens residing outside their home country

  • Mixed-nationality families relocating together

These plans are flexible for people living abroad permanently or seasonally, providing reliable coverage between borders and lifestyles.

Tips for Choosing the Right Expat Plan

  • Length of Stay: Choose renewable annual coverage or 6–12 month flexible plans.

  • Medical Needs: Decide between emergency-only or full medical coverage with wellness and dental options.

  • Country Mobility: If relocating often, look for global portability across multiple regions.

  • Budget: Compare deductibles, limits, and upgrade features before purchase.

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.