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International Travel Insurance

Expatriate Healthcare’s, International Travel Insurance TravelCare policy covers all nationalities, travelling anywhere in the world.

You can cover 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.

With a core international 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 you.

Worldwide Single Trip & Multi-Trip Travel Insurance

The TravelCare Expat Travel Insurance allows you the freedom to purchase either a single trip insurance plan or an annual multi-trip travel product, allowing you to travel as frequently as you like with complete peace of mind.

Annual multi-trip plans allow you to select to be covered in either the EU or Worldwide; with maximum trip lengths of 42 or 90 days.

Primary Module – Medical Treatment & Evacuation

This is the core policy option, which provides the important medical cover against the high cost of medical treatment and emergency medical evacuations. The standard plan benefits also provide you with 24-hour access to trained nurses to ensure that medical advice is only ever a phone call away.

Option 1 – Enhanced Benefits

This optional level of protection also covers you against the additional losses to property, liability and accidents that you may suffer whilst travelling abroad.

Option 2 – Cancellation & Curtailment Cover

Cancellation and Curtailment covers you in the event that your trip is unexpectedly cancelled or you are forced to return home early.

Please review the policy working for full details of the policy benefits and exclusions.

Click here to download policy wording and benefit schedule.

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What is Expat Travel Insurance?

A comprehensive expat travel insurance policy can protect you against a variety of scenarios such as, emergency medical treatment and bank card theft protection. With Expatriate Healthcare, your expat travel insurance can be tailored to suit you, adding additional benefits as you choose. Our TravelCare policy covers all nationalities and global destinations, for time frames best suited to you.

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Travel Insurance Benefit Schedule

Single and Multi-Trip Expat Travel Insurance

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 amounts. 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.

Emergency Medical EvacuationEUR 100,000
Air Ambulance100% per Trip
Accompaniment€300 per day up to €3,000 per Trip
Continuation€5,000 per Trip
Repatriation for Medical Treatment100% per Trip
Care Management100% per Trip
Emergency and Accidental Medical TreatmentEUR 1,000,000
Acute/emergency Sickness and Injury100% per Trip
Treatment by authorized physicians, nurses and specialists100% per Trip
Hospitalization (semi-private rooms)100% per Trip
Surgery, anesthesiologist100% per Trip
Prescribed medicines, dressings100% per Trip
Local transport to and from the place of treatment100% per Trip
Treatment by physiotherapists and chiropractors€2,500 per Trip
Medically Necessary required durable medical equipment100% 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
Add On Option 1: Enhanced Benefit Options
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
Add On Option 2: Cancellation and Curtailment Benefit Options
Cancellation and Curtailment 2€2,000 per Trip; subject to €100
Deductible per Trip
Compassionate Repatriation (Family Return)€6,000 per Trip

1. Benefit does not apply to One Way Trips.
2. Benefit not available to residents of the USA

Add On Option 3: Winter Sports Package – Limited to 21 days in aggregate per Policy Period
Ski Equipment
Owned
Hired
Single Item Limit
Unreceipted Items Limit
Unreceipted Single Item Limit
Up to €300
Up to €300
€300
Up to €150
€50
Ski Hire€25 per day up to €300
Ski Pack€50 per day up to €300
Piste Closure€25 per day up to €300
Delay Due to AvalancheUp to €300
Add On Option 4: Business Equipment & Money
Business Equipment
Single Item Limit
Computer Equipment Single Item Limit
Samples Limit
Unreceipted Items Limit
Unreceipted Single Item Limit
Delayed Business Equipment
Emergency Courier of Essential Business Equipment
Up to €1,500
€500
€750
€400
Up to €300
€50
€100 per day up to €300
Up to €400
Business Equipment Hire€100 per day up to €500
Business Money
Cash Limit
Up to €500
€200
Add On Option 5: Golf Cover – Limited to 21 days in aggregate per Policy Period
Golf Equipment
Single Item Limit
Unreceipted Items Limit
Unreceipted Single Item Limit
Up to €1,000
€200
Up to €300
€50
Golf Equipment Hire€50 per day up to €250
Non Refundable Golfing Fees€50 per day up to €250
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Trust Pilot


Excellent Service Excellent service when buying travel insurance. Good standard charge telephone support from an operator who answered ALL the questions immediately.
Excellent customer service, great value for money I have just renewed my annual travel insurance for the first time. I bought the policy a year ago, when I needed cover in a hurry, at a reasonable price.
Easy to sort out Friendly staff on live chat. Easy to set up a policy
Trusting This my second time that i bought an insurance with you and is a serious company and im very happy traveling safely
excellent comms I have just purchased an annual travel policy for myself and my partner. I had numerous questions, all of which were answered immediately and competently by the online chat service. Obviously I havent had to make any claim on the insurance so do not know how they would fair in this regard, but as for buying on line I could not fault them and would certainly recommend - subject to, as I said, any problems should I have to make a claim - but we all hope this will not be necessary.

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FAQs International Travel Insurance Plans


Am I eligible to purchase your International 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).

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.

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.

Is your International Travel Insurance plans worldwide?

Yes, our travel insurance policies have an option to provide cover in Europe only or Internationally/Worldwide. The Europe only option is cheaper than the worldwide option and allows some customers to tailor the travel insurance product to their own travel plans.

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