Travel Insurance for Expats
Flexible expatriate travel insurance policies covering all nationalities, travelling almost anywhere in the world. You can purchase travel insurance for a specific single trip or, for total flexibility, an annual policy that covers you for any trip you take abroad, regardless of how often you travel.
Plan Options
Our Expat Travel Insurance Plans
With a core expatriate travel insurance policy, additional policy options and destination tailoring, you can adapt cover and premiums to provide you with exactly the right travel insurance solution for your needs.
Medical Evacuation
This is the core policy option, which provides the important medical cover against the high cost of medical treatment and emergency medical evacuations.
- Emergency medical treatment
- Accidental medical treatment
- Emergency medical evacuation
- Repatriation
Enhanced Benefits
Optional protection against additional losses to property, personal liability, and accidents that you may suffer whilst travelling abroad.
- Baggage delays and loss
- Money and documents
- Travel delays
- Non-medical evacuation
Cancellation & Curtailment Cover
Optional cover to protect you in the event that your trip is unexpectedly cancelled, or you are forced to return home early.
- Trip cancellation
- Returning home early
- Compassionate repatriation
- Treatment & evacuation
Policy Benefits
Key Benefits of our Expat Travel Insurance Policies
Discover more about our Travel Insurance policy benefits, put in place to protect you against unforeseen and unexpected events when you’re overseas. Depending on the policy you select we can help you with medical, financial, and logistical issues.
Emergency Medical Evacuation
Travel Insurance with us covers charges for emergency evacuation when treatment is not available locally and deemed necessary. You will be moved to a suitable location based on the expertise of medical advisors and your attending physician. You will be safe in the knowledge that you will receive the treatment you need in a safe and appropriate location.
Emergency & Accidental Medical Treatment
Falling ill or becoming injured overseas can be daunting prospect, especially in rural or lesser developed locations. Furthermore, language can often be a hurdle that many without the correct insurance cover have to navigate. Travel Insurance is in place to give you peace of mind that whatever happens, you will receive the expert care and treatment you need.
Enhanced Benefits & Protection
We offer a core Travel Insurance policy, to which you can add different benefits. This puts policy flexibility in your hands, allowing you to choose the Travel Insurance you need. This optional level of protection also covers you against the additional losses to property, personal liability, and accidents that you may suffer whilst travelling abroad.
Cancellation & Curtailment Cover
Travel insurance cancellation and curtailment provides cover should you need to cancel your trip before you depart or cut your time overseas short. Reasons can include everything medical, including sickness, serious injury, or death. On the opposite side, cover can also include (but is not limited to) strikes, industrial action, redundancy, or your travel operator collapsing.
Medical Insurance
Expat Travel Insurance to Suit You
Whilst Expatriate Group offer a core Travel Insurance policy with different add-on benefits, we also offer different types of specialist cover which may be better suited to your travel insurance needs.
Comprehensive Cover
Travel Medical Insurance
Cover for up to $/€/£1,000,000 for emergency and accidental medical treatment whilst you’re abroad. Just choose between single trip or annual trip cover so that you’re protected on your travels.
Comprehensive Cover
Travel Medical Insurance
- Instant last minute cover
- Comprehensive cover
- Single or annual policy
- Emergency transport
Suited for Flexibility
Non-Resident Travel Insurance
Expatriate Group Travel Insurance for non-residents is designed for people who reside outside of their country of nationality. Additional enhanced benefit options are available to add to your package.
Suited for Flexibility
Non-Resident Travel Insurance
- Cover for EU or EEA residents
- Flexible cover up to 180 days
- One-off premium payment
- Comprehensive protection
Outbound Cover
One Way Travel Insurance
Do you need insurance to cover to a single outbound trip? Our standard travel insurance policy can be tailored to cover just one-way travel for expats and travellers alike to any global destination.
Outbound Cover
One Way Travel Insurance
- One trip travel insurance
- Comprehensive cover
- Covered from departure to destination
- Max duration 180 days
Unexpected Circumstances
Single Trip Travel Insurance
From valuable medical cover to vital cancellation cover, our single trip insurance policies ensure that you’re protected against unexpected circumstances. The ideal solution if you want to cover a specific trip overseas.
Unexpected Circumstances
Single Trip Travel Insurance
- Covered from purchase to return home
- Medical cover
- Cancellation cover
- Protected against unforeseen scenarios
Unlimited Cover
Annual Travel Insurance
Save time and money when you’re going on holiday or a business excursion with Annual Multi-Trip Insurance. It takes the stress away from having to search, compare and purchase a new policy every time you travel.
Unlimited Cover
Annual Travel Insurance
- European or worldwide cover
- Cover every time you travel
- Destination tailoring
- Flexible travel insurance
Working Abroad
Business Travel Insurance
Travelling for work requires the same level of travel insurance as any other trip. International Business Travel Insurance will cover you should your travel plans suffer, from missing your flights to losing your laptop.
Working Abroad
Business Travel Insurance
- Single or annual business cover
- Europe or worldwide
- Laptop travel insurance
- Cancellation & curtailment
Policy Benefits
The Benefit Schedule
The benefit schedule is a summary of travel cover and must be read in conjunction with the policy wording. All coverages and plan costs listed in this schedule of benefits are in Euros, dollars, and pounds. All benefits will be reimbursed at Usual, Customary and Reasonable (UCR) charges where applicable. Amounts shown are the maximum per policy and period of cover, except where otherwise stated.
| BASIC Medical Treatment & Evacuation | |||
|---|---|---|---|
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Air Ambulance | 100% per Trip | ||
| Accompaniment | $/€300 per day up to $/€3,000 per Trip | ||
| Continuation | $/€5,000 per Trip | ||
| Repatriation for Medical Treatment | 100% per Trip | ||
| Care Management | 100% per Trip | ||
| Acute/emergency Sickness and Injury | 100% per Trip | ||
| Treatment by authorized physicians, nurses and specialists | 100% per Trip | ||
| Hospitalization (semi-private rooms) | 100% per Trip | ||
| Surgery, anesthesiologist | 100% per Trip | ||
| Prescribed medicines, dressings | 100% per Trip | ||
| Local transport to and from the place of treatment | 100% per Trip | ||
| Treatment by physiotherapists and chiropractors | $/€2,500 per Trip | ||
| Medically Necessary required durable medical equipment | 100% per Trip | ||
| Limited motorcycle and sports vehicle coverage for injuries only | $/€10,000 per Trip | ||
| Emergency dental treatment for immediate relief of pain | $/€500 per Trip | ||
| Non-Hazardous Sports Coverage | $/€150,000 per Trip | ||
| Other Benefits | |||
| Repatriation of Mortal Remains | $/€25,000 per Trip | ||
| ATMSafe | $/€500 per Trip | ||
| STANDARD Enhanced Benefit Options | |||
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Baggage Delay 1 | $/€100 per day up to $/€700 per Trip | ||
| Baggage Loss/Theft | $/€500 per Item up to $/€2,500 per Trip; subject to $/€100 Deductible per Trip | ||
| Personal Liability | $/€100,000 per Trip | ||
| Accidental Death & Disability / Permanent Total Disability | $/€100,000 per Trip | ||
| Additional Hospital Benefit (per day / total benefit) | $/€75 per day up to $/€600 per Trip | ||
| Physical Assault | $/€5,000 per Trip | ||
| Money and Documents (tickets, cash, banknotes) | $/€500 per Trip | ||
| Loss of Passport | $/€250 per Trip | ||
| Travel Delay 1 | $/€100 per day up to $/€1,000 per Trip | ||
| Missed Departure | $/€1,000 per Trip | ||
| Legal Expenses | $/€10,000 per Trip | ||
| Hijacking | $/€1,000 per Trip | ||
| Emergency evacuations for Non-Medical reasons, including War, Civil Unrest, or Natural Disasters | $/€1,500 per Trip | ||
| 1. Benefit does not apply to One Way Trips | |||
| COMPREHENSIVE Cancellation and Curtailment Cover | |||
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Cancellation and Curtailment 2 | $/€2,000 per Trip; subject to $/€100 Deductible per Trip | ||
| Compassionate Repatriation (Family Return) | $/€6,000 per Trip | ||
| 2. Benefit not available to residents of the USA | |||
|
Add On Option 1 Winter Sports Package – Limited to 21 days aggregate per Policy Period |
|||
| Ski Equipment | |||
| Owned | Up to $/€300 | ||
| Hired | Up to $/€300 | ||
| Single item limit | $/€300 | ||
| Unreceipted Items Limit | Up to $/€150 | ||
| Unreceipted Single Item Limit | Up to $/€50 | ||
| Ski Hire | $/€25 per day up to $/€300 | ||
| Ski Pack | $/€25 per day up to $/€300 | ||
| Piste Closure | $/€25 per day up to $/€300 | ||
| Delay Due to Avalanche | Up to $/€300 | ||
|
Add On Option 2 Business Equipment & Money |
|||
| Business Equipment | Up to $/€1,500 | ||
| Single Item Limit | $/€500 | ||
| Computer Equipment Single Item Limit | $/€750 | ||
| Samples Limit | $/€400 | ||
| Unreceipted Items Limit | Up to $/€300 | ||
| Unreceipted Single Item Limit | $/€50 | ||
| Delayed Business Equipment | $/€100 per day up to $/€300 | ||
| Emergency Courier of Essential Business Equipment | Up to $/€400 | ||
| Business Equipment Hire | $/€100 per day up to $/€500 | ||
| Business Money | Up to $/€500 | ||
| Cash Limit | $/€200 | ||
|
Add On Option 3 Golf Cover – Limited to 21 days in aggregate per Policy Period |
|||
| Golf Equipment | Up to $/€1,000 | ||
| Single Item Limit | $/€200 | ||
| Unreceipted Items Limit | Up to $/€300 | ||
| Unreceipted Single Item Limit | $/€50 | ||
| Golf Equipment Hire | $/€50 per day up to $/€250 | ||
| Non-Refundable Golfing Fees | $/€50 per day up to $/€250 | ||
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Travel Insurance for Expats FAQs
Who can I cover with my expat travel insurance policy?
You can include cover for up to 10 people in your Travel Insurance quote. Infants aged 14 days up to the age of two are included in the coverage of an insured parent or guardian for no additional premium, but they must be declared at the time of initial purchase.
What types of International Travel Insurance can I take out?
We offer six different types of travel insurance here at Expatriate Group to ensure that you are covered no matter how you’re travelling.
The type of travel you choose will depend on where you’re going, how long for and what you want to be covered for.
We have expat insurance policies for:
- Travel Medical Insurance
- One Way Travel Insurance
- Single Trip Travel Insurance
- Annual Multi Trip Travel Insurance
- Non UK Resident Travel Insurance
- Business Travel Insurance
- International Health Insurance
We also offer a cashless health insurance solution for corporate customers.
Will I be covered for day trips, excursions, and holidays with multiple destinations?
When going on holiday you will be covered for general leisure sports and activities that are detailed in the leisure chart provided when purchasing your policy.
Extreme sports, such as sky diving, scuba diving, white water rafting and more will require an additional level of cover and will need to be communicated when requesting your Travel Insurance quote.
If you are planning on visiting another country during your holiday, you will need to include these details when purchasing your insurance policy.
How much will my Travel Insurance policy cost?
The total of your travel insurance policy will depend on a number of factors such as; age, destination, holiday duration, activities, and pre-existing medical conditions.
We tailor each policy according to your specific needs. To find out how much travel insurance will cost you, get a Travel Insurance quote today.
Can I get expat travel insurance with a pre-existing medical condition?
You will only be covered for pre-existing medical conditions that you declare when purchasing your policy. If you fall ill from a pre-existing condition that you have not declared, you will not be covered and will most likely be unsuccessful in your claim.
I don’t live in the UK, can I still buy an Expatriate Group Travel Insurance policy?
Yes, we offer Travel Insurance for Non-UK Residents.
How long can I travel for?
When taking out a Worldwide Single Trip Insuranceand One-Way Trip policy your trip must not exceed 180 days and may not be combined with any other policy to exceed this limit.
If you’re purchasing an Annual Multi Trip Insurance policy your holiday must not exceed 90 days in total.
If you require insurance for a longer period of time, International Health Insurance may be the ideal choice, particularly if you are moving abroad.
Am I eligble to purchase your travel insurance?
We are able to insure:
Single Trip Policy: A Single Trip Policy can be purchased before the Insured Person obtains age 72;
Annual Multi-Trip: An Annual Trip Policy can be purchased before the Insured Person obtains age 71. This Policy will not be renewable at the anniversary date;
provided that you are departing from and returning to the same country (or have a defined destination country of one-way trip) and you are not travelling to a country/region where the UK FCO advises against (www.gov.uk/foreign-travel-advice).
Is your expat travel insurance worldwide?
Yes, our policies have an option to provide cover in Europe only or Worldwide. The Europe only option is cheaper than the world wide option and allows some customer to tailor the product to their own travel plans.
Did you know that we offer a variety of Travel Insurance products to best suit your needs? Check out our Annual Travel Insurance, Business Travel Insurance, Single Trip Travel Insurance, One Way Travel Insurance, Travel Insurance for Non-UK Residents and Travel Medical Insurance.
What is my country of residence?
Your country of residence is whichever country you are travelling from (and usually back to, unless you have purchased a one-way trip policy) regardless of your immigration or nationality status. This is the country to where you will be returned in the event of a repatriation claim.
Can I purchase a travel policy for a child travelling alone?
Yes, provided that the child is at least 5 years old.
Do I need to declare pre-existing conditions such as diatbetes, high blood pressure or hypothyroidism?
No. As we do not provide cover for pre-existing medical conditions, we do not need to know about them except in the event of a claim.
What does ‘pre-existing medical condition’ mean?
A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication, whether diagnosed or undiagnosed, or have experienced symptoms of, prior to purchasing this policy.
If I need to be repatriated, which country will I be taken to?
You will be repatriated to the country that you nominate as your country of residence. However, repatriation to a different country can be considered upon request if the cost is equitable, if it doesn’t affect your health/medical outcome and if you have access to healthcare in such a country.
What does your travel insurance policy cover?
Our basic policy provides cover for emergency medical treatment, not related to any pre-existing medical conditions, and repatriation, up to the value of Euro 1 million.
If you wish to include cover for additional benefits such as personal belongings, luggage or travel delay, you will need to purchase Add On Option 1. To include Cancellation & curtailment of your trip you will need to purchase Add On Option 2.
Should I choose worldwide or European cover?
European cover should be selected if your destination country, or countries, is within the continent of Europe. The countries listed as Europe can be seen in the question mark display button next to destination when getting a quote.
Worldwide cover should be selected if the country of your destination is not listed as being within Europe.
How many countries can I visit on a single trip policy?
You can visit as many countries as you wish within the period of cover and your selected destination area.
Where can I explore expat travel insurance?
Our main expat travel insurance web page provides you with the plan details and also allows you to get an instant quote for your cover. If you’re happy with the plan benefits and premium, you can buy online too!
Is your policy wording available in all languages?
Although our plans are available to all nationalities living anywhere in the world, the contract wording is only currently provided in English language. Therefore please ensure that you are fully conversant with English language before purchasing one of our plans.
Which countries are classed as Europe?
Europe means people travelling to: Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia & Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands (Denmark), Finland, France, Georgia, Germany, Gibraltar (UK), Greece, Guernsey (UK), Hungary, Iceland, Ireland, Isle of Man (UK), Italy, Jersey (UK), Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, The Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, Ukraine, United Kingdom, Vatican City (Holy See).
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