January 26, 2017

Studying, Working, or Living Abroad? You Need Expatriate Insurance

expatriate insuranceIf you’re thinking of traveling within the U.S., chances are that you might not have considered purchasing travelers insurance along with your airplane tickets and hotel reservation. After all, around 79% of all domestic trips are taken strictly for leisure purposes, and many of us don’t like to think about our vacations being ruined by natural disasters, crimes, or illnesses. But if you’re traveling overseas, the savvy expatriate knows how to plan for everything.

If you’re planning to be out of the country for a good length of time — specifically to pursue further studies, work, or a new direction in life — you should consider getting expatriate insurance.

How does health insurance for expatriates work? We’ve got you covered…

Just because you’re living abroad doesn’t mean you’re entitled to the same coverage as local residents

Universal health care can be a wonderful thing, if you’re a native. But just because you’re staying in a country that offers universal coverage does not mean you’ll get to reap the benefits. Even if you have a valid visa, that doesn’t entitle you to the same kind of insurance.

Expatriate health coverage ensures that you can see a qualified doctor for a reasonable cost, but it also ensures that you can have first-rate hospital coverage, outpatient treatment, or even dental care no matter where you are. You may have heard horror stories about adventurous travelers falling seriously ill in a foreign land and receiving sub-par, highly expensive medical treatment. By getting global medical insurance, you can rest easy that this scenario will never happen to you.

There are other types of expat insurance you can purchase, too. For instance, expatriate personal property insurance will cover loss or damage for particularly valuable items. This can come in handy if you are renting or purchasing your own residence within a foreign country. And if you bring or buy a car while you’re living abroad, expatriate international auto insurance may be an asset. But your international medical insurance is by far the most important. Your health can be unpredictable and is completely irreplaceable, so you need to do everything you can to safeguard it while you’re away from home.

How Can Travelers Get Insurance Coverage?
The importance of having expatriate insurance should not be underestimated if you’re studying, working, or living abroad. In order to protect yourself in the event of a crime, a medical condition, or act of nature, having health insurance for expatriates could literally help you survive. For more information on our expatriate insurance plans and other types of travel insurance coverage, contact us today. Your health is too important to leave it to chance.

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