If you’re an expat with a local health insurance policy.
Traveling overseas means you can be left without medical cover.
And that’s where Expat Travel Insurance comes in…
Whether it’s business or pleasure whenever you leave your current country of residence…
Even if you’re heading back to your home country you’ll still have an issue
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Mandatory Travel Insurance
Even before the pandemic, countries started to introduce mandatory insurance.
This means that before you're allowed to enter or your visa gets issued, you need to prove that you're covered for medical expenses.
Post COVID even more countries have now adopted this policy and guess what? As time goes on, this is only going to become more common.
The more you travel, the more you'll need expat travel insurance.
Also, if you're British and heading back to the UK for a visit, then you might think that you'll be covered by the NHS. Sorry to be the bearer of bad news, you're not covered to use the NHS without charge. That's because it's a residency-based system funded by taxpayers. As an expat, you're none of those things, and it means that you should be paying for treatment.
Resources are becoming tighter, the NHS is becoming more strict on this policy, and you could end up getting stuck with a bill for treatment. In fact it's happening for a long while because we come across this all the time.
So, getting the right policy is important, and we'll take a look at this next.
But before that, if you want to know how much a great travel insurance policy is going to cost you then Click the button on the left to get your quote , NOW!
You don't have to give travel insurance much thought, right?
Well, maybe you do. No one expects to need it, but if things go wrong abroad, having a policy that does what you expect it to is essential. Presuming that it's going to could be a costly mistake...
Getting Expat Travel Insurance Right
The Nightmare
Being stuck abroad, racking up six-figure medical bills, with no way to pay them, and your insurance company has refused to pay.
This may sound like an extreme situation, though it's way more common than you think.
The media is littered with sad stories of people stuck thousands of miles away from their home, facing medical bills in the tens or hundreds of thousands.
They either don't have travel insurance, or even worse, their provider is refusing to pay the bill...
In Reality The Things You Should Do!
Though there's something you should know, and that's there's absolutely no reason this situation should occur.
Make sure you check what your policy covers and that there's a generous amount to pay for any potential medical expenses.
Always share your full medical history with your insurer, even if they don't ask for it. Never assume anything, and ask questions if you're unsure about your cover.
Also, check for activities that your insurer might not cover and avoid them. One more thing: no insurance company will ever pay for stupidity.
Remember this, and you'll be fine!
The Thing To Remember
How do people end up in this situation?
As we mentioned, some people don't have travel insurance because they don't see the point. Though others have travel insurance and don't realise that the policy doesn't cover medical expenses. The main reason for having travel insurance is to cover medical expenses.
Then there are those who have a policy that covers medical expenses, yet they're insurer is still refusing to pay the bill. In these situations, the policyholders' claim was denied due to them doing something either stupid or reckless, which the insurer won't cover. Or they've omitted to disclose something about a pre-existing condition linked to the claim.
If you give an insurance company a good reason not to pay, they'll take it.
Though one thing they can't be is unreliable.
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Getting The Right Policy
The type of travel insurance you require throughout your life will change. The things that make a difference to what you need are frequency and length of travel.
There's short-term single trip, long-term single trip or multi-trip annual policies.
If you travel often, then an annual policy will most likely be your best option.
For starters, it’s much better value than getting a separate policy each time you travel. It’s also a massive time saver.
If you travel back to your home country for several weeks each year and that’s all, then a short-term single trip would be your best option.
Long-term single trip travel insurance is what you want if you're going traveling.
That makes sense, right?
What We Add...
We work with international insurance providers so that we can find the best policy that fits with your personal circumstances.
Everything financial product that we use must adhere to three core values. These are Flexibility, Transparency & Portability.
This means that whatever we recommend will adjust to changes in your circumstances. You'll know the exact cost for the cover that's being provided with no nasty surprises. If you move to another country then the cover goes with you meaning there's no risk of you being uninsured.