Why Do You Need Expat Travel Insurance?
One of the best benefits of being an expat and living in a foreign country is the ease with which you can travel and visit other foreign countries.
Let’s say that you and your expatriate family have relocated to Europe for 3-4 years. What a great opportunity to travel all over Europe; With Europe open borders you do not need to apply for a visa, or even to show your passport at the border.
You can wake up in your house at the Netherlands, get into your car and in less than 2 hours you find yourself in the picturesque Ardennes of Belgium or, in one of Germanys enchanting little towns.
In fact, it is so convenient, almost like traveling from one city to another in your home country. You can easily forget that you are crossing the border and, entering a new country, where you have no expat travel insurance in case of a medical emergency, or an accident.
Wait, you might ask,
“What do you mean I am not insured?”
“I have purchased a global health insurance before I relocated overseas”, you claim.
Or, you say “I am covered for overseas medical insurance through my company/government. ”
Well, that can be true, but…
In most cases international health insurance provides medical cover for you and for your expatriate family in the country where you reside, but it doesn’t cover you for travel outside of the country where you live.
This means that if you are planning a trip or a holiday outside of your host country, you should make sure that you have expat travel insurance.
An insurance that will protect you in case of medical emergencies, personal accident, winter sport equipment, travel delays, trip cancellation etc’.
So, where can you find expat travel insurance?
In fact it’s pretty simple.
Today, most banks, credit cards companies, travel agencies and even airlines offer travel insurance policies.
Or, if you have your own overseas health insurance policy, just check if the company offers also a travel insurance policy for expats. An insurance policy that is exclusively tailored to accommodate for incidents related to regular annual travel.
What to ask when purchasing an expat health insurance?
When shopping for a travel insurance it is important to ask the following:
- Which countries does the policy cover?
- For how long is it valid?
- Does it cover all the family?
- What does it cover? Does it cover loss of baggage? And what about winter sports activities and scuba diving, or hospital benefits, loss of passport and missed departure?
- Any age restrictions?
- Does the policy cover pre existing medical conditions?
- Does it cover terrorist attacks?
- What is the procedure in case you need to make an insurance claim?
- Can the policy be canceled?
Happy and Safe Travelling