medical travel insurance for non uk residents

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Voyager Plus Travel Insurance for Non-UK Residents

Voyager Plus Travel Insurance for Expats and Non-UK Residents

Great travel insurance cover from just £24.12*..

• Up to £10 million - emergency medical expenses cover
• Up to £10,000 - cancellation cover
• Up to £3,500 - baggage Cover
• 4 Levels of Cover – for all budgets and requirements
• Excellent value for money – great prices without sacrificing cover
• Kids go free – even better value for families
• Holiday financial protection – keeping your money safe
• 24/7 emergency assistance – helping you through the most difficult times
• 14-day money back guarantee – so you can make sure the policy is right for you
• 100s of activities and medical conditions - covered as standard

*based on short stay individual aged 18-49 cover to Area 2 for 7 days.

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Non-UK Residents Travel Insurance

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At Voyager Plus, we offer Travel Insurance for EEA residents

Great Travel Insurance for Non-UK residents at a great price - For peace of mind when travelling.

Our Voyager Plus Travel Insurance policies are not just available for UK residents, there are several Eligible EEA Countries whose residents can also purchase one of our policies.

Residents of Belgium, Cyprus, France, Germany, Greece, Italy, Malta, the Netherlands, Poland, Portugal, Republic of Ireland, and Spain would be considered Eligible EEA Countries and would therefore be able to purchase a Voyager Plus Travel Insurance Policy.

Voyager Plus’s Non-UK residents Travel Insurance will provide you with the same great benefits, which includes:

• Cancellation cover – up to £10,000
• Emergency Medical Expenses (including repatriation) – up to £10,000,000
• Baggage Cover – up to £3,500
• 100s of activities covered as standard
• 4 levels of cover to suit a range or budgets and needs
• Option to purchase in £ or €
• Cover for 100s of pre-existing medical conditions
• And so much more!

If you are residing in an Eligible EEA Country, Travel Insurance is available to you no matter where you are travelling to so long as your trip starts and ends in your home country.

Please note – Short Stays can be a maximum of 62 days (unless aged over 75 where the maximum stay is 31 days) but there is no age restriction on purchasing one of these policies. Equally the maximum age you can be to take out a Long-Stay policy is 59 and for an Annual Travel Insurance for Non-UK Residents policy , the maximum age is 74.

And if you suddenly feel unwell on your holiday, you may be wondering how to see a doctor when away from home, especially if you’re abroad. Our Annual Multi-Trip Travel Insurance policy now includes a service where you can speak to a 24/7 doctor while abroad as standard* .

To buy Non-UK Residents Travel Insurance from Voyager Plus, click the Get a Quote button today.

Get a Non-UK Residents Travel Insurance Quote

Frequently Asked Questions

1. What is Non-UK Residents Travel Insurance?

Our Non-UK Residents Travel Insurance is designed to provide financial protection for non-UK citizens currently living in eligible EEA countries when travelling. This includes cover for emergency medical treatment on holiday, baggage lost in transit, and much more while on your travels.

2. What destinations are covered under Voyager Plus Travel Insurance for Non-UK Residents?

Our Voyager Plus Non-UK Residents Travel Insurance can cover trips to the following areas:

• Area 1: The United Kingdom Including Northern Ireland
• Area 2: The continent of Europe West, any country with a Mediterranean coastline (excluding Algeria, Libya, Syria and Israel), Channel Islands, the Canary Islands, the Isle of Man, Madeira and Iceland (including Area 1)
• Area 3: Worldwide excluding North America. So, the USA, Canada, Mexico, the Caribbean Islands, Bahamas & Bermuda are excluded under this area.
• Area 4: Worldwide including North America.

3. What EEA countries can you provide Non-UK Resident Travel Insurance for?

At Voyager, we can offer cover for residents of the following EEA countries: Belgium, Cyprus, France, Germany, Greece, Italy, Malta, the Netherlands, Poland, Portugal, Republic of Ireland, and Spain.

4. Can I get cover for pre-existing medical conditions with Non-UK Residents Travel Insurance?

Yes, Voyager Plus can provide cover for 100s of pre-existing medical conditions. Make sure you declare these conditions when asked to when purchasing your policy to ensure you have the correct cover in place.

If you fail to declare your conditions and require treatment whilst abroad then you may not be covered, and your insurer may deny your claim.

5. Are there any difference between Non-UK Residents Travel Insurance and Standard Travel Insurance?

Voyager Plus’s policies for UK and Non-UK residents provide the same extensive coverage. There are some minor differences in contact details but please check your policy documents for these.

You also have the ability to pay for your policy in Euros if you wish.

Policy Summary:

Medical Expenses - Up to £10 million Cancellation - Up to £10,000 Financial Protection - Up to £3,000 Personal Possessions - Up to £3,500 Disruption - Up to £1,000 Abandonment - Up to £10,000 Personal Liability - Up to £3 million

8 Options available including: Action Activities Cover, Cruise Travel Insurance Option, Business Travel Insurance – Business Plus Option, Enhanced Travel or Terrorism Disruption Cover... see all

Non-UK Residents Travel Insurance Options

This Travel Insurance product offers a range of different options.

Action Activities Cover

Cruise travel insurance option, business travel insurance – business plus option, enhanced travel or terrorism disruption cover, winter sports cover, sports equipment and cycle insurance cover, gadget insurance option, golf travel insurance.

Voyager Plus Travel Insurance policies include 100+ sports and hazardous activities at no additional cost. You can upgrade to include more adventurous activities and sports such as glacier walking (over 2000m), white water canoeing/rafting (up to grade 4) and more.

Going on a cruise? Make sure you add our Cruise Insurance option to your Voyager Plus Travel Insurance policy so that you are covered on your cruise. Enjoy all the standard cover such as Cancellation and Emergency Medical Expenses specifically for your cruise as well as including extra cruise specific cover to Re-join your Cruise, Missed Port Departure cover, Cabin/Stateroom Confinement cover, Itinerary Change cover, Unused Excursion cover and Cruise Interruption cover.

Add Business Plus Insurance option to your Voyager Plus Travel Insurance policy to protect your business equipment, money, staff replacement costs and more.

Add Enhanced Travel or Terrorism Disruption cover option to your Voyager Plus Travel Insurance policy to cover you against travel disruptions due to acts of terror, changes in FCDO/ WHO Travel Advice Restrictions and other circumstances such as volcanic ash clouds.

Winter Sports Cover will provide protection for lost, damaged or stolen ski equipment, unused, lost or stolen ski packs and piste closure as well as extended cover for Emergency Medical Expenses for costs associated with winter sports activities.

Add Sports Equipment and Cycle Insurance Option to your Voyager Plus Travel Insurance policy if you are planning to hire or take sports equipment or a bicycle with you on your trip.

Add Travel Gadget Insurance to your Voyager Plus Travel Insurance policy to cover up to 4 gadgets per policy including, mobile phones, smart phones, smart watches, tablets, laptops, games consoles, headphones and much more!

Add Golf Insurance to your Voyager Plus Travel Insurance policy to get cover for golf clubs and other golf equipment. As well as cover for the cost to hire replacement equipment, if yours is lost, stolen or damaged

GP on Demand

Going abroad on your trip should be an unforgettable experience for all the right reasons. However, what happens if you suddenly feel ill and want to speak to an English-speaking GP while abroad. The good news is our Voyager Plus Travel Insurance policies now include the “GP on Demand” service as standard, giving you can access to medical help whenever you need it 24/7, during your period of insurance, for greater peace of mind.

What is GP on Demand and What Service does it provide?

Once registered with the service online, “GP on Demand” gives you access to unlimited virtual appointments, either by telephone or video-call with a UK-based, NHS qualified GP 24 hours a day, 7 days a week, 365 days a year, helping you to get professional advice when you need it most.

The medical practitioner on this service can cover a wide range of subjects including:

• advice on managing chronic conditions, minor illness, and acute symptoms of serious clinical conditions
• general questions about prescriptions, travel, and lifestyle

Once you book an appointment on the GP on Demand app, you will receive a call back from a GP within 15 minutes of the appointed time.

For more information about our GP on Demand, please visit our Voyager Plus Policy Wording page to download our “Voyager Plus 24/7 UK GP Access with GP on Demand” Booklet.

Please note: video appointments are only available between 8am and 10pm, 7 days a week.

Get A Travel Insurance Quote

What is Travel Insurance and What Does it Cover?

While going on holiday should be a fun and enjoyable experience, sometimes the unexpected can unfortunately happen. Voyager Plus Travel Insurance is designed to give you financial peace of mind that you are covered should something unexpected happen, so you are not left out of pocket, in the event of a valid claim.

Travel Insurance Benefits

The following summary of Travel Insurance benefits are just some of the areas of cover included as standard across all levels of cover on our Voyager Plus Travel Insurance policy. Please read the policy wording here for the full cover available under the policy.

Cancellation or Curtailment

A Cancellation is where you are unable to start your trip, due to an insured reason. A Curtailment is where you have to end your trip earlier than expected, due to an insured reason.

This section provides cover for any unused and non-refundable travel and accommodation costs (including unused pre-booked excursions and course fees) that have been paid, or where there is a contract to pay, if it is necessary to cancel or curtail the planned trip because of any of the events specified in the policy wording .

Emergency Medical Expenses

Medical treatment in other countries can be very expensive. This section covers the cost of emergency medical treatment, outside your home country if you’re injured or suffer unexpected illness including with symptoms of or testing positive for COVID-19 during your trip, in line with the policy terms, conditions and exclusions. Cover also includes the cost of repatriation back to your home country if medically necessary.

Please Note : If you have pre-existing medical conditions and would like cover in case you need emergency medical treatment related to them, you will need to complete a medical screening to see if cover is available and pay the appropriate additional premium.

Covers the loss, theft or damage to your baggage, meaning: personal belongings, including clothing worn, and personal luggage owned or borrowed by you that you take with you on your trip, as well as your valuables as defined in the policy wording .

Please Note : Your gadgets may not fall under the Baggage definition in the policy wording and you may need to also purchase the gadget cover Option to cover them.

Personal Accident

In the event of a serious accident from which you suffer life changing injuries during your trip the policy will provide cover in the event of your death or permanent disablement because of the accident. Please refer to the policy wording for full details on this area of cover.

Please Note : Any immediate injuries you suffer from such an incident would be dealt with under the Emergency Medical Expenses section.

Travel Delay

No one likes to be delayed when travelling!

So with Voyager Plus Travel Insurance cover is available if the public transport (meaning any aeroplane, ship, train or coach) that you are booked to travel on is delayed by at least 12 hours. If your departure from your home country is delayed for more than 12 hours and you choose to abandon your trip, instead of a payment for delay, you are covered for the cost of the trip under the Cancellation or Curtailment section of cover.

Missed Departure / Journey Disruption

Cover for additional travel and accommodation expenses in the event you miss the departure of your public transport for your trip, due to a specified reason as defined in the policy wording .

This section also covers, in the event of a Catastrophe (as defined in the policy wording ), if you are forced to move from your pre-booked accommodation to allow you to continue your trip.

These are a few of the reasons why getting travel insurance is a good idea before you travel so that you are not left out of pocket should the unexpected happen. Furthermore, Voyager Plus Travel Insurance has a wide range of features and benefits, which are just not available on cheaper products, see the policy wording for full details.

Important Information for Customers with Serious Medical Conditions - For UK Residents Only

MoneyHelper has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper travel insurance directory www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory  or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm. 

If you have a specific holiday of up to 62 days duration in mind, a short stay Voyager Plus Travel Insurance policy will give you the peace of mind that you are protected financially if something should go wrong.

A Voyager Plus long stay policy can provide cover for trips up to 18 months (extendable to 24 months upon referral) so it is perfect for backpacking, gap years and other longer trips such as sabbaticals.

Annual Multi Trip Insurance

If you are planning on having several holidays this year then a Voyager Plus Annual Multi-Trip Travel Insurance policy may be for you.

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Insurance for expatriates, non UK residents and travellers who have already left their home country

World First Travel Insurance have teamed up with, Battleface, Voyager Insurance and IMG Europe to offer an extensive range of International and expatriate travel, health and medical insurance - providing quality cover to individuals, families and groups of any nationality living, travelling or working virtually anywhere in the world. The available products allow our customers to travel between countries, operate from multiple locations, and even seek treatment in countries outside one's place of residence. With service centres in both the United States and Europe, these products are here to help you when you need it most, 24 hours a day, seven days a week, 365 days a year.

Battleface help travellers by arranging robust travel insurance plans that make it possible to travel to conventional tourist destinations as well as the unconventional including those with travel bans in place. Their transparent policies even include cover for baggage, trip cancellation and emergency medical evacuation plus access to 24/7 emergency assistance. It takes just a few moments to get a quote.

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Designed to meet the needs of UK and Certain EEA Residents (Belgium, Cyprus, France, Germany, Greece, Italy, Malta, The Netherlands, Poland, Portugal, Republic of Ireland and Spain) looking for travel insurance while travelling outside of their home country (including those who have already travelled).

Travel Insurance for High Risk Countries

Flexible travel insurance for UK residents travelling to high risk countries and areas where the FCDO have advised against 'all travel' or 'all but essential travel' such as war zones, crisis zones and disaster relief zones.

IMG Insurance for residents outside of the European Economic Area

We also offer policies to individuals, families and groups of any nationality living, travelling or working virtually anywhere in the world through our partnership with IMG. These policies allow our customers to travel between countries, operate from multiple locations, and even seek treatment in countries outside their place of residence.

IMG have service centres in Europe and the US and offer 24 hours a day, 7 days a week, 365 days a year assistance anywhere in the world. They were founded in 2002 and are FCA regulated and approved.

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Travel health insurance will cover the costs of getting medical attention in case of an emergency abroad. Plans also include medical evacuation, repatriation, trip interruption, and more. This type of coverage is necessary when you’re going outside your country for periods of up to a year or more. Even if you have a domestic medical plan, there is no guarantee that it will be accepted abroad.

Learn more about travel medical policies in this article and get to know which plans for traveling abroad fit your needs.

What is International Travel Health Insurance?

When traveling outside your home country, buying medical insurance as part of your international travel plan is vital to protect yourself against accidents or illnesses. Even if you have private medical insurance issued in your home country, it will most likely not cover you on your trip abroad. And even if it does, there is a chance that the coverage will be insufficient to provide the care you might need during your trip.

What Does Travelers' Medical Insurance Cover?

Depending on the plan you choose, your travel insurance policy can offer:

• Freedom to seek treatment with a hospital or doctor of your choice
• Maximum limits from $50,000 to up to $8,000,000
• 24/7 access to an emergency assistance medical hotline to speak with medical experts
• Deductible options from $0 to up to $25,000
• Renewable for up to 36 months
• Other benefits like travel delay/cancellation, baggage loss/delay
• Universal Rx pharmacy discount savings
• Repatriation and emergency evacuation

Is Travel Health Insurance Worth It?

The best travel medical insurance plans combine the benefits of travel insurance plans with additional health and medical coverage. Whenever you travel to another country, it is a necessity to have the right international plan that will cover you in case the unexpected happens.

Recommended Medical Travel Insurance Plans

We offer great options to cover you and your family during travel abroad. The Atlas plan is an affordable policy for travelers from most countries. GeoBlue's Voyager plan is a comprehensive plan tailored to US citizens. The Trawick Safe Travels plan includes comprehensive coverage for trip cancellation, trip interruption, emergency medical, and post-departure travel coverage, among other benefits. Trawick's Safe Travel USA is designed specifically for foreigners visiting the USA .

Pro Tip: Visit our Travel Insurance Guide to find which type of plan is best for your situation.

Recommended Plan for US Citizens Traveling Abroad

GeoBlue's Voyager Travel Insurance plan is designed specifically for US citizens traveling abroad. The benefits are excellent while remaining a very affordable option. Most importantly, the customer service is outstanding, which is essential when you need to reach someone in a medical emergency.

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

Option for All International Travelers

Trawick offers a great plan for all other nationalities traveling abroad to any country in the world. Coverage options are global, benefits are comprehensive, and they have a range of coverage levels to meet all budgets.

Safe Travels International

• Desinged for non-U.S. citizens traveling outside their home country (excluding the U.S.)
• Coverage for an unexpected recurrence of a Pre-Existing Condition
• Coverage from 5 days to 364 days - extensions are available

Recommended Plan for International Visitors to the US

Safe Travels USA from Trawick is the best plan option for international citizens visiting the United States. In addition to those listed above, benefits include limited coverage for wellness visits and "acute onset of pre-existing conditions".

Trawick Safe Travels USA

• Desinged for non-U.S. citizens traveling to the U.S. and addiitonal countries
• Includes comprehensive medical, evacuation, & repatriation coverage

Affordable Plans with Great Coverage and Benefits

Our suggested plan based on affordability, benefits, and service is the Atlas Travel Insurance Plan. Don't be fooled by the price - the benefits are very comparable to those offered by more expensive insurers.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Or See for Yourself: Compare Travel Medical Insurance Plans

Frequently Asked Questions

How much does travel health insurance cost.

You can see in the table below that plans can cost from as low as $0.80 per day to as high as $5 a day , sometimes more. Monthly rates, ranging from $40 to $60, are also available, sometimes providing better value. How much an international travel health insurance plan costs will depend on the length of the trip, your age, medical limits, complications, and the deductible you choose by the time you purchase the plan.

Emergency medical plans for travelers are surprisingly affordable. The average cost of an international travel medical insurance plan is $2 per day. It is very affordable compared to the high cost of medical care should something go wrong on your trip.

Plans are often of a sort duration, within the travel period you have indicated, so the risks are less for insurers. As a result, medical insurance costs for traveling abroad are also significantly lower. Travel health policies also do not cover trip cancellations , so their premiums are lower than usual.

Costs and Benefits of a Travel Medical Insurance Plan

The cost of your plan will cover several benefits, all under one policy. For the low price listed here, you get emergency medical coverage abroad, trip interruption benefits, repatriation, medical evacuation, 24/7 travel assistance, and coverage for lost or stolen items. Some plans include personal liability coverage, natural disasters, political evacuation, and more.

How Optional Coverage Adds to the Cost of Your Policy

Many plans offer additional optional benefits for an additional cost. For example, you can add coverage for adventure trips, mountaineering, or Accidental Death and Disability (AD&D). Each additional benefit will increase the price of your plan. In general, the increase in premiums is affordable and worth the added expense if you feel you need that additional coverage.

What Are the Different Levels of Health Insurance for Traveling Abroad?

There are various levels of international travel health insurance plans from some of today’s leading insurers. These plans can range from very basic emergency health coverage to comprehensive health care, including prescriptions, medical evacuation, and insurance for high-risk activities.

• The most basic level of travel insurance covers emergency medical needs while you’re away from home. If you fall ill or get injured while traveling, this type of policy will usually cover your treatment. Some plans let you add higher maximums for medical coverage so you can get care for significant medical expenses.
• You can add features to your policy like prescription plans, repatriation, emergency evacuation, and coverage for pre-existing conditions. Depending on the plan, some of these might already be covered. 
• You can also add riders for so-called “extreme sports,” which cover you if you want to paraglide, climb mountains, or do zipline tours in the jungle. 
• Yet another type of travel insurance is trip cancellation, which pays you back if your vacation is interrupted or called off for a set list of reasons. A more expensive version of this is called Cancel For Any Reason or CFAR, which reimburses your trip costs if you suddenly can’t go for a reason that’s not otherwise covered. These plans include medical coverage, but you should check how much and whether you need more.

Among our most popular plans for US citizens is the GeoBlue Voyager Plan , which allows travelers to customize their coverage with different medical maximums and deductibles. You can be confident that your coverage, benefits, and service will be excellent.

Atlas Travel Insurance is a comprehensive travel medical policy that includes hospitalization and doctor coverage. It also includes coverage for lost luggage. You can customize the policy to include optional coverage for extreme sports .

The Patriot Platinum Insurance provides optional coverage for extra riders, including personal belongings and and extreme sports. This is perhaps the best medical policy for traveling abroad because it provides world-class coverage and access to the best service and assistance for traveling outside your home country.

You can review the list we made of the Best Travel Insurance Companies to get a better idea of which provider to choose.

For long-term travelers, expats, or individuals moving abroad for a year or longer, an international medical insurance plan might be a better option. These plans provide more comprehensive medical benefits but lack some of the coverage offered in travel health plans, such as trip interruption.

What Is the Cheapest Travel Medical Insurance Plan?

We offer a variety of medical plans for traveling abroad, and they come at a range of different price points.

When it comes to medical coverage, the best value travel insurance plan is one that covers specific benefits you need at a price you can afford. Some inexpensive plans do not cover the most important benefits or cover them with limited value. Other low-cost policies provide considerable travelers' medical insurance coverage, but their service is not as good, so it will be frustrating to use it in emergencies.

International Citizens Insurance has filtered the best insurance providers that offer affordable plans with good coverage and excellent service. For the most affordable and reliable plans, we recommend the following options:

How Do I Purchase an International Travel Medical Policy?

Applying for a travel health plan is easy. Just answer a few questions about yourself and the planned trip to get the initial quote. From there, you can refine the plan and see how much the travelers' medical insurance will cost by selecting and deselecting different benefits and their maximum coverage amounts. You can also tweak the deductibles, optional add-on features, and other portions of the policy, if possible.

Use our Plan Picker to get started!

When you are satisfied with the quote after adjusting the cost and benefits of the plan, you can proceed with the online application and pay for the plan using your credit card. A confirmation email will be sent along with policy documentation and relevant contact details should you need emergency medical assistance on your next trip.

We have listed some of the best medical insurance for international travel. Just follow the links on each one to learn more about the plan.

Do These Plans Cover My Visa Requirements?

In most cases, they do. The short term medical insurance plans we offer are designed to meet, and even exceed, most visa requirements of most countries. We also have plans that can meet Schengen Visa Insurance requirements.

Before traveling to a country, check the visa requirements to ensure you purchase the maximum benefit and deductible amounts required. Most countries require at least $50,000 of coverage in medical benefits, along with a specific deductible amount.

Check the visa requirements for the country you are traveling to, and then when purchasing your policy, you can select the level and benefits that meet those requirements.

Read More: Insurance for Your Travel Visa

Can You Buy Just Travel Medical Insurance?

Yes, definitely.

International travel medical insurance plans are designed to cover emergency medical expenses should you get sick or injured while traveling abroad. Suppose you are in an accident and need medical care. In that case, these plans are designed to help you find a doctor, get you treated in the best facilities available, cover necessary medical prescriptions, and provide continuous care.

Note: These plans will typically not cover any pre-existing conditions you might have. Before you sign up for a policy, check the part pertaining to pre-existing conditions to clarify any questions or concerns regarding that portion.

Your policy may not cover treatment for accidents or illnesses that occur while participating in certain dangerous activities. Some plans offer adventure sports coverage as an optional add-on. If you plan to partake in hazardous activities or sports events that pose a high risk of getting injured, it is best to get this add-on on top of your base-level coverage.

Some policies, known as trip cancellation plans , also cover the cost of your trip if you have to cancel, and are typically more expensive. If you only want coverage for medical emergencies, a travel medical plan is right for you.

Not sure where to start? Use our Pick a Plan tool.

How Does International Travel Medical Insurance Compare to Trip Insurance?

With the wide variety in names and coverage of travel, trip, and medical plans, it can be confusing to select which one is the most appropriate for your needs. Different service providers offer several levels of coverage, so a travel insurance plan provided by one insurer could be completely different from those offered by competitors.

Trip insurance is a short-term solution that covers trip cancellation, protection, and limited emergency medical coverage. This type of policy is usually available only for up to 62 days.

A travel health insurance plan is more comprehensive. It provides increased medical coverage from what a regular trip or travel insurance policy does. This type of policy is best for travel periods lasting from 5 days up to a year.

If you are considering longer-term coverage or more comprehensive medical benefits, read these guides to help you see the available options:

• Expatriate Insurance or Travel Insurance: What is the Difference?
• Overseas Health Insurance Coverage

Do I Need to Buy Health Insurance for Traveling Abroad?

Travel health insurance is a short-term solution for those who are traveling outside their home country anywhere between 5 days and a year. Whether it is for business or pleasure purposes, getting adequate coverage is an essential part of ensuring safe travels.

Having a health plan at home will not guarantee you coverage when you travel to other countries. And usually, if it does provide coverage, it will be limited and will not cover the most important areas that need to be addressed.

The plans we offer can work for a broad range of traveling individuals, including international vacationers, immigrants, relatives visiting from overseas, and foreign au pairs and nannies.

The best part about global travel health insurance policies is that they are available to all nationalities traveling abroad.

Which Countries Require Travel Medical Insurance to Enter?

Most countries that were requiring medical travel insurance with COVID-19 coverage at the height of the pandemic are no longer requiring it. However, it is still highly recommended. (Read our guide for more specific details on the latest travel insurance requirements.) Double-check all requirements before booking your travel policy. Below is a list of countries that still require travel medical insurance as of December 2023.

• Saudi Arabia
• the Czech Republic
• Liechtenstein
• the Netherlands
• Switzerland

Recommended Travel Medical Plan Options for US Citizens

The following rate tables below show the cost per day for U.S. citizens traveling outside of the U.S.

GeoBlue Voyager Choice

IMG Patriot International

WorldTrips Atlas International

Trawick Safe Travels Outbound

Rates were last updated on March 4, 2024

Recommended Travel Medical Plan Options for All Nationalities

The following rate tables below show the cost per day for international (non-U.S.) citizens traveling abroad, including trips to the U.S.

The plans, IMG Patriot America, WorldTrips Atlas America and Seven Corners Travel Medical, provide coverage worldwide, including inside the U.S. and outside the U.S.

Trawick Safe Travels USA only provides coverage inside the U.S.

IMG Patriot America

WorldTrips Atlas America

Seven Corners Travel Medical Plus

Pro Tip: Visit our Plan Picker to find the best plan at the right price for your trip.

How Much Travel Medical Insurance Do I Need?

It depends on where you’re going, what your home coverage is like, and what you plan to get up to!

• For shorter trips, you can probably get away with less coverage. But if you’re traveling extensively, you might think about a more thorough policy. If you are taking several trips throughout the year, consider annual travel insurance so you’re always covered.
• How’s your health? If you have conditions that need regular treatment or medications, make sure your policy is up to the level of care you need while abroad. Most plans will exclude coverage for pre-existing conditions, so be aware of that. 
• If you’re going somewhere with a high level of medical care easily available, you probably don’t need medical evacuation or repatriation. Consider adding it if you’re going into the wilderness, staying somewhere rural and far from care, or making an adventure trip.
• Speaking of, what are you planning to do on your vacation? You might be surprised by some things insurance companies consider “extreme sports.” If you’re planning anything outdoorsy, check if your activity requires special coverage.
• Some countries require a travel policy to get a visa. For instance, the Schengen visa requires a minimum of $50,000 in medical coverage. Check the visa rules for the place you’re traveling to.

Different Types of Health Plans for Travelers

Here at International Citizens Insurance, we provide a wide range of travel health plans from some of the leading insurers. Among our most popular plans are the Atlas and Patriot Plans, which have different levels to choose from, each designed to suit the needs of various travelers.

Atlas Travel Insurance is a comprehensive policy that includes hospitalization and doctor coverage. It can also include insurance on lost luggage. You can customize the policy to include optional coverage for extreme sports .

With Patriot Platinum Insurance , you can get coverage for extra riders and extreme sports when you add them. This is one of the best travel medical insurance plans for traveling abroad, providing world-class coverage and access to the best service and assistance for traveling outside your home country.

Annual, Multi-Trip Travel Insurance Plans for Frequent Travelers

International coverage for travel is available as a single-trip plan that covers a specific trip for a specified number of days.

But a multi-trip or annual travel insurance plan can cover all trips outside your home country during the year. This is usually valid for a year and up to a certain number of days per trip. This is a more cost-effective medical insurance for traveling abroad, especially if you are a frequent traveler.

If you are looking for one of the best travel health insurance policies we offer, consider the GeoBlue Trekker annual travel insurance plan. See the link below for more details on the policy and how you can get a quote before your purchase online.

Annual Plan for any Nationality

Seven Corners Travel Medical Annual Multi-Trip

• Buy annually and travel as often as you want.
• Choose from 30-, 45-, and 60-day trip lengths.
• Emergency medical evacuation benefit of $1,000,000.

GeoBlue Trekker Plan for US citizens

Trekker MultiTrip Travel Insurance

• Up to $500,000 for sickness and accidents
• $500,000 medical evacuation benefit
• Unlimited Trips Outside the U.S. for trips up to 70 days

Buy One of Our Recommended Travel Medical Plans

Atlas Travel Insurance: Learn More | Free Quote / Apply (Best for All Nationalities Traveling Abroad)

GeoBlue Travel Insurance: Learn More | Free Quote / Apply (Best for US Citizens Abroad)

A message from the Center for Disease Control : Severe illness or injury abroad may result in a financial burden on you and your family. Although planning for every possible contingency is impossible, travelers can reduce the cost of a medical emergency by considering the purchase of 3 types of insurance for their trip: trip insurance, travel health insurance, and medical evacuation insurance. These insurance policies can be purchased before a trip to provide coverage in the event of an illness or injury and may be of particular importance to individuals with chronic medical conditions. Basic accident or travel insurance may even be required for travelers to certain destinations.

Author: Joe Cronin , Founder and President of International Citizens Insurance . Mr. Cronin, a former expat, is an authority in the areas of international travel, and global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce. Follow him on LinkedIn or Twitter .

Get a fast, free, international insurance quote.

Global medical plans, specialty coverage, company info, customer service.

• UK Residents
• Expats, Non UK residents Travel Cover
• Groups and Business
• Making a claim

Non-UK Residents

Insurance for expatriates, non-UK residents and travellers who have already left their home country

Non-UK residents Travel Insurance

Salt Insurance has teamed up with IMG Europe to offer an extensive range of International and expatriate health and medical insurance – providing quality cover to individuals, families of any nationality living, travelling or working virtually anywhere in the world. Our products allow our customers to travel between countries, operate from multiple locations, and even seek treatment in countries outside one’s place of residence. With service centres in both the United States and Europe, the IMG family of companies are here to help you when you need it most, 24 hours a day, seven days a week, 365 days a year.

Check out our range of products below

Unsure which insurance is right for you? find out here

GlobalFusionSM International Medical Insurance

Globehoppersm single-trip travel medical insurance, globehoppersm multi-trip travel medical insurance, globalfusion international medical insurance, globalfusion is designed to meet your total international and expatriate long-term private medical insurance needs. it is available worldwide to any nationality and in many cases can even provide cover or treatment back in your home country..

This plan offers the flexibility to select from a wide range of unique cover options – each with specialised covers. It is possible to customise the length and area of cover to meet all budgets, with an option to select from multiple annual excesses and premium payment instalment options. Cover is available for one year or longer.

Brochure Exclusions

GlobeHopper Single-Trip Travel Medical Insurance

Globehoppersm is designed to meet the needs of those looking for temporary travel and medical insurance coverage whilst traveling outside of their home country..

In addition to medical benefits, the plan includes coverage for emergency medical evacuation and security and political evacuation; cremation/burial, or repatriation of remains; and a wide choice of excess and plan maximums. Cover is available from five days up to two years.

Get an Individual Quote Get a Group Quote

GlobeHopper Multi-Trip Travel Medical Insurance

Globehoppersm multi-trip is designed for individuals and families who travel frequently outside of their home country throughout the year..

This plan offers the ease and convenience of an affordable single annual premium plan, providing coverage for multiple trips of up to 30 or 45 days taken during a period of 12 months. The plan provides up to £600,000, $1,000,000, €800,000 of medical coverage and services.

Guides, services and help for expats around the world

Help, advice and events, spotlight on..., information for british expats, useful 3rd party services for expats.

Best travel insurance options for expats

Last updated: 9 October 2023 at 14:41

Travelling while living abroad introduces a number of different challenges regarding what kind of cover your travel insurance may provide you, but not all travel insurance companies will provide travel insurance for non-UK residents.

When travelling, many people simply choose one of the options presented to us either by the travel agent, airline company or travel website. However, as an expat, your personal situation might exclude you from all the benefits available so it is vital that you read all the terms, conditions and small print to ensure that you are fully covered while travelling.

It is also advised that, rather than wait until you are about to travel to arrange your travel insurance, you should purchase travel insurance as close to when you made your booking as possible - ideally on the same day. This is to ensure you are covered if your travel plans get re-arranged or cancelled due to unforeseen events.

If you have a travel plan which you purchased before you moved abroad, you must also read the small print as it is unlikely to provide cover for your travels once you have moved abroad.

Companies offering travel insurance policies for expats and non-UK residents

Expatriate Healthcare 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.

Perfect for people who

• Expats under 70 years old
• Seeking global cover
• Children over 5 travelling alone

Important Facts

• Visit as many countries in your destination area
• Europe only cover
• Global cover
• Contracts in English
• Free online quotes

Staysure Expat Travel Insurance

Staysure Overseas SL offers Expat Travel Insurance to the over 50s, bringing our quality products and excellent value for money to those living outside the UK.

• Live abroad and travel anywhere in the world
• Are over 50
• Need global cover
• Instant quote
• Instant cover

We do not accept any responsibility for information, offers or product suitability of any product or content on third party sites.

Call 0330 880 3600 Calls may be monitored or recorded. Opening Times .

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Travel Insurance for Non UK Residents

Direct-Travel have teamed up with Voyager and Uniglobal to offer an a range of international and expatriate travel insurance options. All our expat and international travel insurance products are backed by the twenty four, seven medical emergency assistance helpline and offer flexible cover levels to help meet your needs.

EEA Residents

We have insurance for European residents including the below

• 3 levels of cover
• Medical cover upto £10,000,000
• Cancellation up to £10,000
• Holiday financial protection

And much, much more

Global Residents

For global residents our insurance has a few extra niceties

• Short term medical coverage
• Six levels of excess
• Freedom to seek treatment with a hospital of your choice
• Available to purchase after departure

UK Customer Services 0330 880 3600

Open Open Monday to Friday 8:30am to 6pm, Saturday 8:30am to 4pm and closed Sundays. . (Calls may be monitored or recorded)

Contact details can be found in your policy documentation

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We collect and use your personal information according to our Privacy Policy. Please refer to your Policy Wording for full Terms and Conditions of the insurance purchased. If you have any questions please visit the FAQ page or Contact Us .

Direct Travel Insurance is a trading name of Brokersure Ltd who are authorised and regulated by the Financial Conduct Authority FCA No. 501719

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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International Travel Insurance

International travel is exciting whether it's a quick visit to Paris, an African safari or a week in the Caribbean. Wherever your adventure takes you, international travel insurance can help you travel with peace of mind. If you become sick or injured while traveling; or if circumstances cause you to cancel or interrupt your trip, international travel insurance is there to help you. And, with our  OneTrip Prime plan , kids 17 and under are covered for free when traveling with a parent or grandparent (not available on policies issued to Pennyslvania residents). If something goes wrong when you're far from home, we're here to help. Just call our 24-hour assistance hotline.

View international travel insurance products .

International Travel Articles

The rewards of international travel are incredible — but before your adventure begins, you have to get through customs. We'll help you plan your next overseas trip, figure out what to pack, and protect yourself while you're traveling.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Travel Insurance for Non UK Residents

• Available for all EU and EEA residents
• Best value for money
• 24/7 medical emergency helpline - we’re there if you need us
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What is Travel Insurance for Non UK Residents?

Travel Insurance for Non UK Residents is designed for people who do not live in UK, but reside in EU or EEA countries and available for trips with repatriation to home country. Any kind of our travel insurance policies is available for non UK residents: Annual Multi Trip, Single Trip, Comprehensive travel insurance, Backpacker policies, Winter Sports, Age 66+.

The cheapest non UK residents policy is £ (based on 1 adult aged up to 50 travelling in Europe for up to 5 days).

Non UK Residents Travel Insurance Benefits

• 24/7 Medical Emergency Assistance service
• Many Pre-Existing Medical Conditions that are covered free of charge
• Cover for Trekking to altitudes of up to 3500 meters for free
• We will adapt policies to the length of your trip, the destination and party details that you select
• You can save time by booking our policies immediately online
• We take care of every customer, so we help you to find the most appropriate policy for all your needs

Attention! The European Health Insurance Card (EHIC) / Global Health Insurance Card (GHIC) provides some emergency healthcare within the EU, but it does not cover Repatriation costs, or a doctor or nurse escort home; nor lost or stolen property. You need Travel Insurance for that.

Globelink provide excellent covers for journeys to different areas such as Europe, Worldwide (All Countries) and Worldwide (Excluding USA, Canada, Caribbean, Mexico, Costa Rica, and Japan).

We offer additional covers for Travel Insurance for Non UK Residents policy. You have an opportunity to get extra covers for your Higher cost Baggage and Personal Items (Cover for Valuables), for Golf Equipment and for Golf Pack (Golfer's Cover), for a lot of Hazardous Activities and Sports (Adventure Activities) and much more.

One policy for all your needs. Travel safely with Globelink!

If you know what you want, you can get our Travel Insurance for Non UK Residents policy in just a couple of minutes: Enter your trip details; choose a policy option from the range available, checking the benefits carefully to ensure they suit your needs; add any extra cover you may require; fill in the personal details for your purchase; check through everything to ensure its correct; then purchase your policy. Enjoy your trip knowing that our Non UK residents travel insurance has got you covered!

Single Trip Travel Insurance

Single Trip Travel Insurance is designed for people aged up to 89 travelling independently or on a package holiday with a maximum trip duration of up to 15 months.

• Cancellation or Curtailment - up to £6,000 in total
• Emergency Medical Expenses - up to £10,000,000 in total
• Baggage - up to £3,000 in total

Annual Multi-Trip Travel Insurance

Travelling more than once a year? Take as many holidays as you wish and be covered all year long! 17 days Winter Sports Cover FREE if you take out the 45 days policy.

Designed for most Individuals, Couples or Families who undertake several trips of up to 120 days within a 12 months period. For people aged up to 79 years!

• Baggage - up to £3,000 in total

Backpacker Travel Insurance

Career breaker? Globetrekker? Globelink Insurance offer the budget solution for long stay journeys.

Aimed at under 51 years old backpackers on a tight budget up to a maximum of 18 months. Most adventure sports covered for free.

• Cancellation or Curtailment - up to £2,000 in total
• Emergency Medical Expenses - up to £5,000,000 in total
• Baggage - up to £1,000 in total

See also: expat travel insurance , gap year travel insurance , international travel insurance , student travel insurance , cruise travel insurance , annual travel insurance to Europe , best travel insurance , best value travel insurance , budget travel insurance , business travel insurance , camping insurance , cheap European travel insurance , cheap holiday insurance for over 65 , cheap travel insurance couples travel insurance , Easter travel insurance , essential travel insurance , extended travel insurance , extreme sports insurance , family travel insurance , fcdo travel advice , global travel insurance , group travel insurance , holiday travel insurance , last minute travel insurance , long stay travel insurance , long term travel insurance , one way travel insurance , worldwide travel insurance , yearly travel insurance , quick quote travel insurance , travel insurance for children , travel insurance for Europe , travel insurance for working abroad , travel insurance to America , travel insurance for UK residents

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Globelink team will assist solving any of your questions over the phone 00 44 (0) 1353 699082.

Travel Insurance

Please read your Policy Wording carefully to ensure that it meets with your precise requirements. View and download the relevant Policy Wording* from the links below. If you purchased a Globelink policy previously while you were an EU RESIDENT, or you need to view the Policy Wording we issue to EU Residents, please click here to visit our Globelink EU site.

*If you purchased your Travel Insurance policy prior to Jan 2022, you can view your policy wording by reviewing your Globelink Travel Insurance Documents Purchase email, or obtain a copy by contacting [email protected] with your name and address details.

*if you purchased a STAYCATION Policy please see the *last PDF at the bottom of this page – for the Staycation Policy Wording

Policy Wording for Policies issued to UK residents (Living in the UK only) from from 29th November onwards .

Policy wording for policies issued to uk residents (living in the uk only) from 1st october 2023 to 28th november ., policy wording for policies issued to uk residents (living in the uk only) from 1st june 2022 to 30th september 2023 ., policy wording for policies issued to uk residents (living in the uk only) from 1st feb 2022 to 31st may 2022., policy wording for policies issued to uk residents (living in the uk only) from 30th dec 2020 to 31st january 2022, policy wording for policies issued to uk residents (living in the uk only) from 29th oct - 29th dec 2020, policy wording for policies issued to uk residents (living in the uk only) from 1st oct - 28th oct 2020, policy wording for policies issued to uk residents (living in the uk only) from 1st feb – 10th august 2020.

For reliable Travel Insurance, simply complete 5 quick & easy steps. Pay with your Visa, MasterCard, or PayPal and receive your policy documents by email in seconds.

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Travel Insurance for Non UK Residents

Travel insurance: simple & flexible You can buy and claim online , even after you've left home. Travel insurance from WorldNomads.com is available to people from over 130 countries. It’s designed for adventurous travellers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities .

7 things you should know about travel insurance from WorldNomads.com

Trusted reliable underwriters WorldNomads.com is backed by a suite of strong, secure, specialist travel insurers who provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most.

Value for money with the cover you need WorldNomads.com provides cover for what's important for travellers from over 130 countries. By focusing on what you need and leaving out what you don't, World Nomads prices are some of the most competitive online.

Flexibility when you need it most Had a change of plans? You can buy more cover or claim online while you are still away. You can even buy a World Nomads policy if you're already travelling.

Cover for a range of adventure activities From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, WorldNomads.com covers a range of adventure activities , giving you peace of mind to get the most from your travels.

World Nomads keeps you travelling safely All WorldNomads.com members have access to up-to-date travel safety alerts, as well as travel safety advice and tips online through the World Nomads Travel Safety Hub .

More than just great value travel insurance All WorldNomads.com members can learn the local lingo through a series of iPod & iPhone Language Guides and can stay in touch with family and friends with an online travel journal .

Commitment to exceptional customer service We want to make sure you get the most from WorldNomads.com. You can find out more about why travel insurance is important for your trip. If you have any questions about your travel insurance or travel safety in general, please contact WorldNomads.com directly.

All of the information provided about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

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This insurance is provided by Blue Bear Travel Insurance which is a trading name of Rush Insurance Services Limited who are authorised and regulated by the Financial Conduct Authority (Firm Reference Number 714385) and which is permitted to arrange general insurance contracts.

Copyright © Blue Bear Travel Insurance 2024.

International Travel Insurance

Flexible International 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 International Travel Insurance Plans

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 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 International 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.

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

International 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.

• 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.

• 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.

• One trip travel insurance
• 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.

Single Trip 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.

• 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.

• Single or annual business cover
• Europe or worldwide
• Laptop travel insurance
• Cancellation & curtailment

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.

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International Travel Insurance FAQs

Who can i cover with my 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:

• Annual Multi Trip Travel Insurance
• Non UK Resident 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 Travel Insurance cover 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 Insurance and  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.

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• Please enter your Home Country to select the right insurance options - we have policies for residents of most countries Worldwide

Single Trip Travel Insurance for short-term travel

Cover for trips from and returning to your Home Country - whether you live in the UK, EU or elsewhere in the World, we have options to suit you.

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This should be your main residency, where you are eligible for healthcare and will depart from and return to at the end of this trip

• Product Information
• Medical Conditions
• Sports & Activities

Benefits of Single Trip Travel Insurance

• Easy to arrange each time you travel If you don’t travel often, single trip insurance is the ideal policy. It’s quick and easy to arrange and is perfect for a last-minute city break; beach getaway; a family holiday; romantic mini-break or a business trip, make sure that you’re covered by the Single trip Travel Insurance from Worldwide Insure.
• High levels of cover, even on the shortest trip Medical emergencies can arise whenever you travel, even on a day-trip . Costs could be huge, so taking out a Single Trip travel policy with high medical cover is essential.
• 24-hr Multi-lingual Emergency helpline Worldwide Insure travel policies provide high levels of cover for urgent medical treatment from a GP or in hospital. Our Assistance Service can liaise with overseas medical staff and your own doctor so you don't have to. Treatment overseas and repatriation costs to return home after a medical emergency can be costly, so travel safe in the knowledge that your Worldwide Insure policy provides help if something goes wrong.
• Protection A holiday can be ruined by the theft or loss of personal baggage; a delayed departure; a missed flight – or having to cancel your trip altogether. At least taking out insurance means you won’t suffer the financial impact too.
• Many Sports & Activities covered A wide range of Sports and Activities are covered, including Wintersports.

Is a Single Trip Travel Insurance Policy not for You?

Annual multi-trip travel insurance.

If you are a frequent traveller, our Annual Multi-Trip Insurance can cover any number of trips during the year, so it's ideal for last minute bookings. Cover travel in Europe or Worldwide, with options to cover Business as well as holiday trips. Many Sports, including Skiing, covered. Great value family policies!

Longstay Travel Insurance

Wintersports travel insurance.

Don't hit the slopes without the right cover! Our Wintersports Travel Insurance covers your equipment, ski pack etc so you can ski with peace of mind. Ski & Snowboard cover for most destinations, including off-piste. Great value family policies!

Cruise Travel Insurance

If you are planning a Cruise, our Travel Insurance policies offer cover in the event that you need to cancel, and cover for medical expenses if you become ill during the trip. In addition, our policies for UK residents offer optional Cruise cover for risks such as missed port of call; cabin confinement; shore excursions

Already overseas?

If you have already left your Home Country and forgot to arrange cover, or your original policy has expired, don't leave yourself uninsured. We offer policies if you are already away from home for a few days, or to up to 3yrs. We also cover Students studying overseas, and our Private Medical Insurance is available even if you are currently living away from home.

Existing Medical Conditions

Travellers with medical conditions can face obstacles when arranging insurance for a holiday or business trip. We understand the impact that an existing condition can have when planning a trip. Cover is available for most existing medical conditions. We offer a specialised screening service to take you through the options.

Why buy Single Trip Travel Insurance from Worldwide Insure:

• Single Trip policies are ideal if you travel once or twice a year and don't want to commit to an Annual policy.
• It is easy to buy online, even if you are travelling soon
• Cover is available for Wintersports or Cruise holidays and for business trips
• Worldwide Travel Insurance, a specialist in travel insurance and related products, has over 20yrs experience in offering high quality cover at great prices.
• All policies purchased online are emailed immediately - ideal for last-minute bookings.
• Cooling-off Period: You have 14 days following receipt of your documents during which you can obtain a full refund if you have not travelled and no claim has arisen.

Customers with Serious Medical Conditions

If you are resident in the UK, the Money & Pensions Service (MaPs) has developed a directory of specialist Travel Insurance providers to assist UK-based travellers with existing medical conditions to obtain travel insurance that is affordable. If, due to a serious medical condition, we are unable to offer cover and you are having difficulty finding suitable insurance, you can use the MaPs travel insurance Directory to find a Company that may be able to help. Go to www.moneyadviceservice.org.uk or call 0800 138 7777 (Mon to Fri 8am – 6pm).

A wide range of Insurance Policies to suit your individual needs

Our policies include:, your security with worldwide travel insurance:.

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How to access NHS services in England if you are visiting from abroad

This information is for people who are visiting England from abroad. It tells you how to access different types of healthcare and whether you might need to pay.

Find out how to access healthcare, including planned treatment, in Wales , Northern Ireland or Scotland .

How to get healthcare

If you're not sure how to get the help you need, use this checklist to guide you.

• Call 999 if someone is seriously ill or injured and their life is at risk.
• Call NHS 111 if you urgently need medical help or advice but it's not a life-threatening situation. You can also call NHS 111 if you're not sure which NHS service you need.
• Go to NHS 111 online to get help for your symptoms
• Go to a walk-in centre, minor injuries unit or urgent treatment centre , if you have a minor illness or injury (cuts, sprains or rashes) and it cannot wait until your GP surgery is open.
• Ask a local pharmacist for advice – a pharmacist can give you advice about many common minor illnesses, such as diarrhoea , minor infections, headaches , sore throats , or travel health.
• Make an appointment with your GP if you're feeling unwell and it's not an emergency.

For information about conditions and treatments, read the Health A-Z guides .

You will need to pay for some things such as eye tests, dental treatment and prescriptions, just like people who live in England.

Find out more about paying NHS charges

COVID-19 services

Overseas visitors to England, including anyone living in the UK without permission, will not be charged for:

• testing for COVID-19 when requested by a medical professional
• COVID-19 vaccination services

No immigration checks are required.

Find out more about NHS entitlements for migrants at GOV.UK, including information in other languages

The rules may be different in Wales, Northern Ireland or Scotland.

General practitioners (GPs)

GPs are the first point of contact for nearly all NHS patients.

They can direct you to other NHS services and are experts in family medicine, preventative care, health education, and treating people with multiple and long-term conditions.

If you're planning to live and work in England, you need to register with a GP practice .

You'll need to fill out a GMS1 form using exactly the same details you used when you filled out your visa.

It's up to the GP practice to decide whether to accept new patients or not, but they can only refuse for non-discriminatory reasons.

But being registered with a GP practice does not in itself mean you'll be entitled to free NHS hospital treatment.

Being registered with a GP practice may mean you're invited for NHS screening services , but you may still have to pay for these services when they're not provided by the GP practice.

If you're in England for a short visit but need to see a GP, you can register as a temporary patient with a local doctor.

You need to be in the area for more than 24 hours but less than 3 months.

Again, it's up to the GP practice to decide whether or not they'll accept new patients.

Treatment will be free of charge, but make sure you present your European Health Insurance Card (EHIC) if you have one (see more information on this page for EU citizens).

Find a GP practice in your area

Hospital services

Hospital treatment is free to people who are "ordinarily resident" in the UK.

To be considered ordinarily resident and entitled to free hospital treatment, you must be living in the UK on a lawful and properly settled basis for the time being. You may be asked to prove this.

You cannot be considered ordinarily resident in the UK unless you have indefinite leave to remain or status under the EU Settlement Scheme.

If you're a visitor from the EU, even if you're a former UK resident, you can use your EHIC, PRC or S2 when visiting the UK. If you cannot provide these documents, you may be charged for your care.

If you're a visitor from Norway, you can get medically necessary healthcare using your Norwegian passport.

If you’re a visitor from Norway, Iceland, Liechtenstein or Switzerland whose visit to the UK began on or before 31 December 2020, you may continue to use your EHIC or PRC in the UK for the duration of your visit. You also may complete planned treatment using your S2, as long as authorisation for this was requested from the relevant health authority before 31 December 2020.

If you're visiting from Iceland, Liechtenstein or Switzerland you may be charged for NHS healthcare. You should check with the relevant health authority where you live before travelling to the UK.

If you're visiting England for more than 6 months, you'll need to pay the immigration health surcharge, unless you're exempt from paying it. The full amount will be paid upfront for the duration of your visa.

Find out about accessing healthcare services if you're moving to England from outside the European Economic Area (EEA)

Find out about paying for for UK healthcare as part of your immigration application on GOV.UK

If you've paid the surcharge or are exempt from paying it, and your visa allows you to be here for more than 6 months, you'll be entitled to free NHS hospital treatment in England on a similar basis to an ordinarily resident person, with the exception of NHS-funded assisted conception services. Your entitlement will apply from the date your visa is granted until it expires. You'll have to pay some charges, such as prescription or dental charges.

If you're visiting England for less than 6 months, you should ensure you're covered for healthcare through personal medical insurance during your visit, even if you're a former UK resident. If you're not ordinarily resident in the UK and you need to pay for NHS hospital treatment, you'll be charged at 150% of the national NHS rate.

Services that are free to everyone

Some services or treatments carried out in an NHS hospital are exempt from charges, so they're free to all.

These include:

• A&E services – not including emergency treatment if admitted to hospital
• family planning services – this does not include abortions or infertility treatment
• treatment for most infectious diseases, including sexually transmitted infections (STIs)
• treatment required for a physical or mental condition caused by torture, female genital mutilation (FGM) , domestic violence or sexual violence – this does not apply if you have come to England to seek this treatment

Find out more

• GP referrals for non-emergency hospital treatment
• Hospital services in England
• Find a hospital in your area
• GOV.UK: ways in which people can be lawfully resident in the UK

Page last reviewed: 25 April 2023 Next review due: 25 April 2026

Best International Travel Insurance for May 2024

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If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Our top picks for the best international travel insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured
• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Compare the top international travel insurance

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most US health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best overall: Allianz

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TravelSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz Travel Insurance review here.

Best for exotic trips: World Nomads

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads Travel Insurance review here.

Best for trip interruption: C&F Travel Insured

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review here.

Best for family coverage: Travelex

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex Travel Insurance review here.

Best for long trips: Seven Corners

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners Travel Insurance review here.

How to find the right international travel insurance company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

• Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
• Determine your budget and the amount of coverage you require. 
• Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

• Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
• Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably. 
• Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

• Get quotes from multiple providers to compare rates and coverage options.
• See if the company provides discounts or special offers to lower your cost. 
• Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

Understanding international travel insurance coverage options 

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the best price for international travel insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

How we reviewed international travel insurance companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

International travel insurance FAQs

Which company has the best international travel insurance.

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

Are there any limitations or exclusions international travelers should be aware of?

You should pay attention to any limitations regarding covered cancellations, pre-existing conditions, and adventure activities. For example, if you're worried you may have to cancel a trip for work reasons, ensure that you've worked at your company long enough to qualify for cancellation coverage, as that is a condition with some insurers. You should also see if your destination has any travel advisories, as that can affect your policy. 

What insurance do you need for international travel?

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Should you get travel insurance for international travel?

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

How far in advance should international travelers purchase travel insurance?

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

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