What is Expat Travel Insurance?


Posted in General Travel Travel Insurance, epxat travel insurance, what is expat insurance on 28 March 2024

Travel Insurance is there to protect you and anyone else named on your policy from the unexpected whilst travelling. This can include situations where you require emergency medical treatment, or your bags are lost for example. It is there to provide peace of mind for you on your holidays. But what is expat insurance and is it different?

Expatriate Travel Insurance is there to provide those who have potentially been sent abroad by an employer, taken up a position outside of the UK, or find themselves in a similar situation, with financial protection on their holidays.

As an expatriate living abroad, it can be difficult to find Travel Insurance that is suitable for you. For example, you may not be too familiar with the language in your new country, but all available Travel Insurance policies are written in the native language. That’s where Voyager’s Expatriate Travel Insurance comes in.

International living can be difficult for those who may not have experienced it before. It can bring with it a new language, new customs and cultures, potentially new foods, and a new healthcare system to name a few. Amongst all this, having a sense of normalcy can be very needed which extends to Travel Insurance as well.

Voyager Plus’s Travel Insurance for Expats is written in English so that it is fully understandable and doesn’t require translation. It is designed specifically with you in mind meaning that if you still consider the UK your native home, you are eligible to purchase one of our policies.

In what countries can get Expat Insurance? 

Voyager Plus’s Expat Insurance is available to those residing in eligible European Economic Area (EEA) countries. These countries include:

  • Belgium
  • Cyprus
  • France
  • Germany
  • Greece
  • Italy
  • Malta
  • the Netherlands
  • Poland
  • Portugal
  • Republic of Ireland
  • Spain
Are there any differences in cover for Europe? 

No, our policies provide expats with the same great cover as if you were residing in the UK. As an expat, you will be provided with the ability to pay for your policy in Euros instead of British Pounds, however, the actual cover the policy provides is the same.

This means that you will still receive cover for cancellation, emergency medical expenses, baggage and more. Expat Travel Insurance policies are available as Single Trip, Annual Multi-trip, Long Stay policies.

Can you get cover for pre-existing medical condition? 

This will differ from company to company, however, at Voyager Plus, you can get cover for 100s of pre-existing medical conditions so long as you declare these conditions when required. When purchasing a policy from us you will be asked to declare your medical conditions and those of anyone named on the policy meaning you will need to know their medical history.

It is vital that you declare any conditions you may have in case you require medical care or emergency assistance whilst abroad. 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.

How much does Expat Travel Insurance cost? 

Again, this will differ from company to company, but with Voyager Plus Expatriate Travel Insurance you can get extensive cover from under £25*.

Is Expat Insurance and Non-UK Resident the same? 

In essence, yes, both policies provide those not living in the UK with appropriate Travel Insurance. Those looking for Travel Insurance for non-UK residents are often expats themselves anyway who are looking for a Travel Insurance policy that they can understand.

Get Expat Travel Insurance with Voyager Plus

Our Voyager Plus Travel Insurance for Expats provides you with the same great policy benefits as if you were still residing in the UK, these include:

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

Navigate the challenges and uncertainties that expatriate living can provide with a Voyager Plus Expatriate Travel Insurance policy.

You can get a Voyager Plus Travel Insurance quote by clicking the “Get A Quote” button on our website or by calling our helpful team on 01483 806 680.

Get a Quote

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

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

This article is for information and entertainment purposes only. It does not constitute advice in any way. The information provided here is correct at the time of writing however please check the latest policy wording for the latest terms, conditions, and exclusions.


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