Planning an extended journey abroad however have a pre-existing medical situation? Discover out what to search for in an expat coverage that may cowl you for medical prices, plus different undesirable occasions like cancellations and misplaced baggage. Some merchandise—akin to these from Worldwide Insure—even allow you to take out cowl after your journey has commenced.
Trying to embark on a long-term abroad keep? If that’s the case, you’re not alone.
Causes for residing abroad are myriad, from having fun with an prolonged interval of journey, to profiting from job alternatives—or just avoiding the UK winter in favour of someplace hotter. Certainly, estimates recommend as much as 10% of the UK inhabitants live abroad at anyone time.
“estimates recommend as much as 10% of the UK inhabitants live abroad at anyone time”
Some Brits trying to to migrate want expat journey insurance coverage for the interval earlier than they settle into one other nation long-term. Certainly, 79,000 Britons emigrated abroad within the yr to June 2024.
And in accordance with a 2024 report by CurrenciesDirect, 23% of Brits—the equal of 12.3 million UK adults—are fascinated by transferring abroad within the subsequent 5 years, with 12% planning to maneuver within the subsequent 12 months.
Nonetheless, planning a long run journey abroad will get slightly extra difficult you probably have a pre-existing medical situation. It’s because ‘common’ journey insurance coverage could not cowl you if you happen to develop into unwell on account of such a situation. As such, you want a coverage that meets your wants, and presents enough protection for issues like prolonged hospital stays, specialised therapy, or being repatriated again to the UK.
Can I get protection if I’ve a pre-existing situation?
Having a pre-existing medical situation doesn’t imply you’ll be able to’t take out expat journey insurance coverage. Nonetheless, it could take longer to discover a coverage that meets your wants, and you could have to pay extra to your cowl in comparison with somebody who has no pre-existing medical situation. It’s because you’re extra more likely to make a medical declare whereas abroad.
“For those who’re planning to reside abroad for an extended interval and also you do have a pre-existing medical situation, it’s crucial your insurance coverage meets your wants.”
Expat insurance coverage with pre-existing situation medical cowl from Worldwide Insure
Listed below are Worldwide Insure we can offer travel insurance to most people worldwide with our completely different insurance policies. For those who’re residing within the EU then you’ll be able to take out insurance coverage for EU residents, or our Worldwide coverage—relying in your wants. Our insurance policies cowl a variety of pre-existing circumstances, and might even be taken out in case your journey has already began.
One of the best journey insurance coverage for expats
For those who’re planning to reside abroad for an extended interval and also you do have a pre-existing medical situation, it’s crucial your insurance coverage meets your wants.
With this in thoughts, when making use of for canopy, you’ll have to reply all questions actually and in full.
For those who don’t, and also you develop into unwell on account of a pre-existing situation, your supplier could not pay out. This might imply you’re landed with a really massive medical invoice—significantly if you happen to’re in the US or Mexico on the time.
Some expat journey insurance coverage insurance policies could have restrictions—and it’s necessary you recognize what these are before you purchase a coverage. For instance, some merchandise could not cowl over-75s, or these with sure medical circumstances.
Others could insist that you just take out cowl when you’re nonetheless within the UK—i.e. you wouldn’t be supplied cowl in case your journey has already began. Nonetheless, Worldwide Insure is ready to cowl you in case your journey has already begun – and is one in all a small group of UK insurers that does so.
What ought to expat journey insurance coverage cowl?
- Medical protection is an important part of any journey insurance coverage coverage. Guarantee it covers any pre-existing medical circumstances, and consists of hospital stays, surgical procedures, and outpatient remedies. It also needs to cowl you for transportation to the closest appropriate medical facility, or again to the UK if essential, together with if you happen to die whereas abroad; this is named repatriation.
- You’ll additionally want cowl for non-medical issues, akin to cancellations, delays, curtailments, and misplaced or stolen baggage.
- Your coverage also needs to align with the size of your keep overseas (short-term, long-term, or indefinite). And examine that it may be renewed or prolonged if wanted (Worldwide Insure merchandise additionally embody this).
- Examine for coverage exclusions, too. Some high-risk actions (e.g., excessive sports activities), pre-existing circumstances, or particular remedies will not be coated.
- Informal work is one other frequent exclusion—nevertheless, Worldwide Insure’s Longstay Travel Insurance does cowl this.
- Discover out if there are any co-pays, deductibles, or extra charges you’ll have to pay out of pocket.
For instance, if you happen to’ve purchased a coverage with “Worldwide excluding North America” protection, you received’t be coated if you happen to resolve to go to the US—until you replace your coverage or take out a brand new one. The USA has among the highest healthcare prices on this planet; even minor remedies may be very costly for guests. And the price of being repatriated to the UK from the US is extraordinarily excessive.
Get pleasure from full peace of thoughts as an expat
We provide reliable insurance coverage for expats travelling overseas, together with these with pre-existing medical circumstances, and older travellers.
Our insurance policies provide the peace of thoughts that if the worst occurs, you received’t need to pay massive medical payments, whereas being coated for a lot of different losses, too. What’s extra, not like many UK insurers, we are able to cowl you in case your journey has already began.
Don’t delay, get in touch today!
