Expat Travel Insurance FAQs
If your question is not answered here, please call us on +44 (0)20 3551 6634 and one of our advisors will be happy to assist you.
Am I eligible to purchase your Travel Insurance? | Is your expat travel insurance worldwide? | What is my country of residence? | Can I purchase a Travel policy for a child travelling alone? | Do I need to declare pre-existing conditions such as diabetes, high blood pressure, or hypothyroidism? | What does ‘pre-existing medical condition’ mean? | If I need to be repatriated, which country will I be taken to? | What does you Travel Insurance policy cover? | Should I choose Worldwide or European cover? | How many countries can I visit on a Single Trip policy? | Where can I explore expat travel insurance? |English expat travel insurance
Am I eligible 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.
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 diabetes, 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!
English expat travel insurance
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.