{"id":15784,"date":"2025-05-23T12:31:08","date_gmt":"2025-05-23T04:31:08","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=15784"},"modified":"2026-08-28T01:15:17","modified_gmt":"2026-08-27T17:15:17","slug":"international-insurance-why-use-a-broker","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html","title":{"rendered":"Why Expats and Travelers Should Use an International Insurance Broker"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Using an insurance broker is one of the smartest ways expats and travelers can secure international coverage that fits both their needs and budget. Brokers compare plans across providers, negotiate on your behalf, and help customize policies at no additional cost to you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Beyond saving money, brokers act as trusted advisors throughout your insurance journey. They guide you from selecting the right plan to managing claims, ensuring you get reliable support every step of the way.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you an expatriate looking to get the most affordable and highest-quality long-term international health insurance? Are you a short-term or multi-annual traveler looking to secure travel insurance for your worldwide adventures? Are you seeking coverage for your business?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Look no further &#8211; this blog post is designed for you!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We will introduce you to who an insurance broker is, what they do, and the many ways working with a broker can benefit you and your insurance choices. We\u2019ll also clarify how a broker gets paid and why Pacific Prime is the right brokerage for you!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After reading, <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact one of Pacific Prime\u2019s insurance experts<\/span><\/a><span style=\"font-weight: 400;\"> to get your questions answered and learn how we can serve you. We are here to help meet all of your <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">international health insurance<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/travel-insurance-and-short-term-health-insurance-for-expats\/\"><span style=\"font-weight: 400;\">travel insurance<\/span><\/a><span style=\"font-weight: 400;\"> needs!<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How Brokers Help Expats Save on Travel and Health Insurance<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-21765 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-and-woman-discussing-insurance-plans-while-viewing-laptop-at-a-table.webp\" alt=\"Image of Man And Woman Discussing Insurance Plans While Viewing Laptop At A Table with text overlay of &quot;How Brokers Help Expats Save on Travel and Health Insurance&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-and-woman-discussing-insurance-plans-while-viewing-laptop-at-a-table.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-and-woman-discussing-insurance-plans-while-viewing-laptop-at-a-table-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-and-woman-discussing-insurance-plans-while-viewing-laptop-at-a-table-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-and-woman-discussing-insurance-plans-while-viewing-laptop-at-a-table-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-and-woman-discussing-insurance-plans-while-viewing-laptop-at-a-table-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">International brokers assist expats and travelers in securing the travel and health insurance they need. Global brokers are insurance advisors who partner with both travel insurance and expat health insurance providers and use their connections and market knowledge to get you the best deal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To help you understand <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/relevance-brokers-health-insurance-industry.html\"><span style=\"font-weight: 400;\">the relevance of insurance brokers in the insurance industry<\/span><\/a><span style=\"font-weight: 400;\">, this article will break down who international brokers are and how they serve expats and travelers.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-79' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner International - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Recommended International Health Insurance Plans\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\"\n            alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What Does an International Insurance Broker Do?<\/span><\/h2>\n<p><b>An international insurance broker is a professional intermediary who helps individuals and businesses find the right insurance policies for their global needs.<\/b><span style=\"font-weight: 400;\"> They provide a range of services to secure the best insurance coverage possible within the market of your chosen countries.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Key Roles of a Global Insurance Broker<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Some key functions and characteristics of international insurance brokers include sharing their market knowledge and expertise with their clients, assessing their clients&#8217; risks, negotiating with insurance companies on their behalf, and assisting with claims submission.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s a brief breakdown of more of the key responsibilities of an international insurance broker:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Market Knowledge and Expertise<\/b><span style=\"font-weight: 400;\">: International brokers have extensive knowledge of the global insurance market. They understand the nuances of different insurance products and regulations in various countries, enabling them to provide well-informed advice to their clients.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Risk Assessment and Management<\/b><span style=\"font-weight: 400;\">: They assess risks their clients face and recommend appropriate insurance coverage. This involves understanding the client&#8217;s business operations, geographic exposure, and potential liabilities.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Policy Procurement:<\/b><span style=\"font-weight: 400;\"> Brokers negotiate with multiple insurance carriers to obtain the most favorable terms and coverage for their clients. They have relationships with insurers worldwide, giving them access to a broad range of insurance products and markets.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Compliance and Regulation<\/b><span style=\"font-weight: 400;\">: International brokers ensure that their clients&#8217; insurance policies comply with local laws and regulations in each country where they live and travel.<\/span>They stay informed of changes in regulation requirements to help clients know what is expected of them (an example would be how <a href=\"https:\/\/www.pacificprime.com\/blog\/mandatory-health-insurance-for-expats-in-thailand.html\">expats in Thailand are required to have health insurance<\/a>).<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Claims Assistance<\/b><span style=\"font-weight: 400;\">: Brokers assist their clients in the claims process, advocating on their behalf to guarantee timely and fair settlements from insurance companies.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Specialized Coverage<\/b><span style=\"font-weight: 400;\">: They often provide specialized insurance solutions for complex or unique risks, such as political risk insurance, trade credit insurance, and global liability coverage. This is especially true for <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/employee-benefits-consulting-strategy-and-broking.html\"><span style=\"font-weight: 400;\">business insurance needs<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cost Savers<\/b><span style=\"font-weight: 400;\">: By leveraging their market knowledge and negotiating skills, brokers can often get better pricing and terms for their clients than the clients might be able to get on their own.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Consultation Services<\/b><span style=\"font-weight: 400;\">: Brokers offer consultation services beyond just finding an insurance policy. Some examples include risk management advice, insurance program design, and strategic planning for global insurance needs.<\/span><\/li>\n<\/ol>\n<div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n\n<h3><span style=\"font-weight: 400;\">Broker vs. Agent: What\u2019s the Difference?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">An insurance broker and an insurance agent both serve as intermediaries between the insurance buyer and the insurance company but differ in their roles, loyalties, and scope of work. <\/span><b>Brokers represent the client, while agents represent the insurance provider.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Below are the main <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/insurance-brokers-vs-agents-differences.html\"><span style=\"font-weight: 400;\">differences between an insurance broker and an insurance agent<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Insurance Broker<\/span><\/h4>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Representation<\/b><span style=\"font-weight: 400;\">: Brokers represent the interests of the insurance buyer (client) rather than the insurance company.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Independence<\/b><span style=\"font-weight: 400;\">: They operate independently and are not tied to any single insurance company. This allows them to offer a wider range of insurance 0products from multiple insurers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Market Access<\/b><span style=\"font-weight: 400;\">: Brokers have access to a broader market, enabling them to compare policies from various insurers to find the best coverage and pricing for their clients.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Client Relationship<\/b><span style=\"font-weight: 400;\">: The primary duty of a broker is to their clients. They provide advice, assist in risk assessment, and recommend suitable insurance products based on the client\u2019s specific needs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fees and Commissions<\/b><span style=\"font-weight: 400;\">: Brokers typically earn commissions from the insurers they place business with, but they may also charge clients fees for their services.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Scope of Services<\/b><span style=\"font-weight: 400;\">: Brokers often offer additional services such as risk management advice, claims assistance, and consultations about complex or specialized insurance needs.<\/span><\/li>\n<\/ol>\n<h4><span style=\"font-weight: 400;\">Insurance Agent<\/span><\/h4>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Representation<\/b><span style=\"font-weight: 400;\">: Agents represent one or more insurance companies and act on their behalf to sell their products.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ties to Insurers<\/b><span style=\"font-weight: 400;\">: There are two main types of agents: <\/span><i><span style=\"font-weight: 400;\">Captive Agents<\/span><\/i><span style=\"font-weight: 400;\"> who work exclusively for one insurance company and <\/span><i><span style=\"font-weight: 400;\">Independent Agents<\/span><\/i><span style=\"font-weight: 400;\"> who represent multiple insurance companies but still have contractual agreements with each.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Product Range<\/b><span style=\"font-weight: 400;\">: Captive agents offer products from a single insurer, while independent agents can offer products from multiple insurers, but their range is generally more limited compared to brokers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Insurer Relationship<\/b><span style=\"font-weight: 400;\">: The primary duty of an agent is to the insurance company they represent, aiming to match the company\u2019s products with potential buyers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Earnings<\/b><span style=\"font-weight: 400;\">: Agents typically earn commissions from the insurance companies they represent. They might also receive bonuses or incentives based on sales performance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Service Focus<\/b><span style=\"font-weight: 400;\">: Agents focus on selling policies and providing customer service related to the policies they sell. Their role is less consultative compared to brokers.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">These differences make brokers more suitable for clients who want tailored, comprehensive insurance solutions, especially in complex or international situations. Agents are ideal for straightforward insurance needs and personal lines of insurance in a local market.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Benefits of Using a Broker for Expat and Travel Insurance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Expats, digital nomads, and long-term and short-term travelers alike will all want to benefit from the services offered to them by brokers. <\/span><b>Buying insurance through a broker can save you money, introduce you to more options, and simplify your navigation of an unfamiliar international market.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s discuss several strong reasons why travelers choose to use a broker when purchasing insurance overseas.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Brokers Offer More Insurance Plan Options<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Insurance brokers can present coverage plans from dozens of insurance companies to their clients, not to mention they can help you navigate the many plans offered by a single insurance provider. <\/span><b>This widens your understanding of how many choices you have so you more clearly see what\u2019s available.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re concerned that having more choices may become overwhelming, don\u2019t worry. Brokers know how to cater the plans they recommend to just the ones that meet your needs so that, in the end, you save yourself a lot of time searching the internet about plans that won\u2019t work for you.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How Brokers Simplify Insurance Research<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Working with an experienced insurance broker saves you time and energy in researching insurance plans yourself. It is easy to get lost in the thousands of insurance policies available online as you sift through hundreds that aren\u2019t anywhere close to meeting your needs.<\/span><\/p>\n<p><b>An insurance broker can weed out all the plans that don\u2019t fit your criteria, so they only present the plans that appeal to you.<\/b><span style=\"font-weight: 400;\"> Brokers can do the plan comparisons and analysis for you and then talk you through the best options that meet your priorities for your situation. They also can help you customize your plan.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How Brokers Reduce International Insurance Costs<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Brokers can save you money on international insurance because they direct you toward the best plans that meet your healthcare needs and have the best monetary value. Brokers can also save you money because they assist you with negotiating your policy criteria and submitting claims.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As brokers advise you on your policy selection and then negotiate with the provider on your behalf, <\/span><b>they can save you money<\/b><span style=\"font-weight: 400;\"> by:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Finding the most cost-effective balance for your budget in terms of your premiums, deductibles, and cost-sharing expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Submitting your insurance claims to make sure you are reimbursed for your qualifying out-of-pocket medical bills<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Leveraging their relationship with the insurance provider to get you a decreased insurance rate<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comparing and analyzing many insurance policies and providers until they find the most cost-effective plan for you<\/span><\/li>\n<\/ol>\n<h3><span style=\"font-weight: 400;\">Brokers Prioritize the Right Insurance Fit for You<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Because insurance brokers represent the insured individual, their focus is on making <\/span><b>you<\/b><span style=\"font-weight: 400;\"> happy. A broker\u2019s commitment to finding the best solution for your healthcare needs is a treasure worth cherishing because it so bluntly contrasts an insurance agent\u2019s focus on earning their company money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This commitment to representing and supporting you allows brokers to give unbiased advice about what would work best for you. They don\u2019t pressure you to purchase from any specific insurance provider since brokers typically partner with dozens of providers, and it doesn\u2019t matter to them which one you choose.<\/span><\/p>\n<p><b>This allows you to take a broker\u2019s hard-earned industry advice and then decide for yourself what is right.<\/b><\/p>\n<h3><span style=\"font-weight: 400;\">Free Services Brokers Provide Beyond Insurance Sales<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A global insurance broker\u2019s services do not end when your insurance policy is signed. Instead, they continue to offer many more services without charge.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These services include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Submitting and following up on insurance claims you need to make to be reimbursed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Renewing insurance policies after the policy ends<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Finding a new insurance policy if you want to switch after the policy ends<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Walking you through what your policy does and doesn\u2019t include until you feel confident you understand all of its details<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Answering any questions you have about your policy while in the selection process or throughout the policy period as you seek medical care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Adapting to <\/span><span style=\"font-weight: 400;\">post-pandemic challenges<\/span><span style=\"font-weight: 400;\"> in flexible ways<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Why Brokers Are Valuable Advocates for Expats<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expats and travelers abroad gain an educated advocate when they hire an international broker. This is because brokers advocate and negotiate on their behalf with insurance providers, saving you the hassle of talking to your provider, sorting through claims mishaps, and more.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Compare Multiple Insurance Plans Easily With a Broker<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A huge resource you can\u2019t get by going directly to an insurance company is the comparison capabilities of an insurance broker. Experienced brokers like Pacific Prime gather information and quotes from many different insurance companies all in one place.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This differs from how a single insurance company only presents its plans but none of its competitors.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Using a <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">broker\u2019s comparison tools<\/span><\/a><span style=\"font-weight: 400;\"> makes it tremendously easier to analyze the intricate differences and similarities between plans, toggle back and forth between how adjusting your deductible or premium for each plan would change your cost, save your favorite plans on the same page, and much more.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Brokers Provide the Same Insurance Plans as Agents<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Another benefit is that insurance brokers have access to getting their clients the exact same coverage plans that insurance agents can offer. <\/span><b>You won\u2019t have any limited access to insurance plans on the market by using a broker.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">On the contrary, you\u2019ll likely know about many more plans than other individuals who don\u2019t work with a broker since an agent will only pitch the plans offered by the company(ies) he\/she represents.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Local Expertise: How Brokers Understand Regional Insurance<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Using a broker is particularly important when purchasing insurance overseas. International brokers have country-specific knowledge, experience, and understanding of what is available and what is legally required. When traveling to a new country, you\u2019ll want the advice of an expert in that region.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Brokers also partner with insurance providers and medical providers all around the world, so they can help you become a member of a well-established network in your country.<\/span><\/p>\n<div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n\n<h2><span style=\"font-weight: 400;\">How Insurance Brokers Are Paid and Why It\u2019s Free for You<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-21767 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/two-women-reviewing-international-insurance-options-on-a-laptop-at-a-table.webp\" alt=\"Image of Two Women Reviewing International Insurance Options On A Laptop At A Table with text overlay of &quot;How Insurance Brokers Are Paid and Why It\u2019s Free for You&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/two-women-reviewing-international-insurance-options-on-a-laptop-at-a-table.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/two-women-reviewing-international-insurance-options-on-a-laptop-at-a-table-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/two-women-reviewing-international-insurance-options-on-a-laptop-at-a-table-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/two-women-reviewing-international-insurance-options-on-a-laptop-at-a-table-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/two-women-reviewing-international-insurance-options-on-a-laptop-at-a-table-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Insurance brokers have partnership arrangements with insurance companies. <\/span><b>An insurance company agrees to pay the broker a commission sum if they refer clients to their company.<\/b><span style=\"font-weight: 400;\"> This means that you, the client, do not pay your broker a penny. Your insurance provider does!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You have the great privilege of benefiting from your insurance broker\u2019s knowledge, expertise, and services for free!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It will cost you the same amount of money for insurance coverage if you go directly to the insurance provider\u2019s agents or if you hire a broker to negotiate with them for you, so why not benefit from a broker\u2019s advice and support?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is also a reality that your insurance policy will not increase in price to accommodate for the commission the insurance company needs to pay your broker. In fact, most insurance companies rely on brokers to bring customers to them\u2014it\u2019s the nature of the insurance market.<\/span><\/p>\n<p><b>So, in short, consulting a broker about your insurance needs is completely free!<\/b><\/p>\n<p><i><span style=\"font-weight: 400;\">Disclaimer: This section describes how Pacific Prime earns an income. Other brokers may choose to charge their clients for their services, so you should ask about their charging policy before hiring them.<\/span><\/i><\/p>\n<h2><span style=\"font-weight: 400;\">Why Choose Pacific Prime as Your Global Insurance Broker<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pacific Prime has been an international insurance broker for over 20 years since 2000! We have established operations all over the globe, including in Hong Kong, Shanghai, Singapore, Dubai, London, New York, and more. We have over 1,000 employees and have <\/span><b>insured over 1.5 million people.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pacific Prime has received many awards, including but not limited to the Cigna Middle East &#8211; Individual Broker of the Year Award in 2023, Allianz Partners &#8211; Top Individual Producer Award in 2023, and many others from insurance providers MSH China, Pacific Cross, Aetna, and AXA.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We partner with insurance providers who provide solutions for various insurance needs, including:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">International Health Insurance<\/span><\/a><span style=\"font-weight: 400;\"> (for individuals and <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/family\/\"><span style=\"font-weight: 400;\">for families<\/span><\/a><span style=\"font-weight: 400;\">)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/maternity\/\"><span style=\"font-weight: 400;\">Global Maternity Insurance<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/dental\/\"><span style=\"font-weight: 400;\">Dental Insurance Abroad<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/pre-existing\/\"><span style=\"font-weight: 400;\">Insurance for Pre-Existing Medical Conditions<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">Expat Health Insurance<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/travel-insurance-and-short-term-health-insurance-for-expats\/\"><span style=\"font-weight: 400;\">Travel Insurance<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/corporate\/property-and-casualty-insurance\/\"><span style=\"font-weight: 400;\">Property and Casualty Insurance<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/corporate\/\"><span style=\"font-weight: 400;\">Corporate Insurance Needs<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/\"><span style=\"font-weight: 400;\">And more<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/li>\n<\/ol>\n<p><b>Our goal is to simplify insurance for anyone traveling or living internationally.<\/b><span style=\"font-weight: 400;\"> Originating with our very own expatriate CEO, Neil Raymond, we care about expats, travelers, and global nomads alike and want to make getting coverage as easy as it can be.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pacific Prime may be the right broker for you if:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You\u2019re moving abroad and want help with the international insurance market<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You want a supportive ally who can assist you with all things insurance while abroad<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You\u2019re looking for the best insurance plan for your situation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You want unbiased advice from a seasoned industry professional<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You want to save money<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">To learn more about how we can serve you, <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">reach out to one of our insurance experts<\/span><\/a><span style=\"font-weight: 400;\"> today!<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">What do international insurance brokers do?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">International insurance brokers help clients find and secure insurance policies across different countries. They provide expertise in global insurance markets and tailored coverage options, and they also support their clients through claims processing and policy renewals.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How do I choose a good international insurance broker?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Choose a good international insurance broker by researching their reputation, experience, range of services, client reviews, and industry certifications. These qualities can give you an idea of the brokers\u2019 reliability, competency, and customer service.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What types of insurance can international brokers provide?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">International insurance brokers offer various insurance products, including health, travel, property, liability, expatriate, and business insurance, each of which is tailored to international needs. Brokers may specialize in a specific product, such as how Pacific Prime specializes in expat health.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Are international insurance brokers more expensive than local brokers?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The costs of an international insurance broker will vary. Some brokers might charge higher fees for compensation for their many services, while other brokers do not charge a dime because they make their earnings through insurance providers\u2019 compensation. No reputable broker will charge you.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What are the benefits of using an international insurance broker?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Benefits of partnering with a global insurance broker include access to diverse policies, expertise in global markets, tailored solutions for cross-border needs, and assistance navigating complex international regulations.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion: How to Find Out More<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Now that you have a strong understanding of who a broker is and what one does, you\u2019re ready to find the broker that\u2019s right for you. Pacific Prime is an experienced brokerage that is ready to serve you no matter where you are living around the globe.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We highly encourage you to learn more about <\/span><a href=\"https:\/\/www.pacificprime.com\/corporate\/about-us-corporate-insurance-brokers\/our-story\/\"><span style=\"font-weight: 400;\">our story<\/span><\/a><span style=\"font-weight: 400;\"> and to <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">talk with one of our insurance representatives<\/span><\/a><span style=\"font-weight: 400;\"> to ask any questions you may have about what it would be like to work with us as you seek your insurance solutions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We also have written a blog post about <\/span><a href=\"about:blank\"><span style=\"font-weight: 400;\">how to choose an insurance broker<\/span><\/a><span style=\"font-weight: 400;\"> that may be very helpful for you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re ready to dive in and get a taste of the types of services Pacific Prime can offer you, try out our <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">free online insurance quote comparison tool<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0You can use it to compare insurance plans side by side, read policy coverage details, get quote estimates, and save your favorite plans to return to later.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Recommended Blog Posts<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Other blog posts we recommend reading include our <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-top-10-providers.html\"><span style=\"font-weight: 400;\">Comprehensive Health Insurance Guide for Foreign Residents<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-finding-best-coverage.html\"><span style=\"font-weight: 400;\">Finding the Best Worldwide Medical Insurance Coverage<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Using an insurance broker is one of the smartest ways expats and travelers can secure international coverage that fits both their needs and budget. Brokers compare plans across providers, negotiate on your behalf, and help customize policies at no additional cost to you. Beyond saving money, brokers act as trusted advisors throughout your insurance journey. &#8230;<\/p>\n","protected":false},"author":54,"featured_media":21764,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[570,217,208],"tags":[],"class_list":["post-15784","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health","category-insurance","category-travel-2"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why Expats Use a Broker to Get International Insurance<\/title>\n<meta name=\"description\" content=\"Learn how global insurance brokers help expats and travelers secure the best coverage, compare plans, and save money with no extra cost to you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Expats Use a Broker to Get International Insurance\" \/>\n<meta property=\"og:description\" content=\"Learn how global insurance brokers help expats and travelers secure the best coverage, compare plans, and save money with no extra cost to you.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime&#039;s Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pacificprime\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-23T04:31:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-27T17:15:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/advisor-and-client-reviewing-documents-together-in-a-modern-office-setting.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Serena Fung\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Serena Fung\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/international-insurance-why-use-a-broker.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/international-insurance-why-use-a-broker.html\"},\"author\":{\"name\":\"Serena Fung\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/person\\\/28ca51ef3d01177132923253f8b13623\"},\"headline\":\"Why Expats and Travelers Should Use an International Insurance Broker\",\"datePublished\":\"2025-05-23T04:31:08+00:00\",\"dateModified\":\"2026-08-27T17:15:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/international-insurance-why-use-a-broker.html\"},\"wordCount\":2991,\"publisher\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/international-insurance-why-use-a-broker.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/advisor-and-client-reviewing-documents-together-in-a-modern-office-setting.webp\",\"articleSection\":[\"Health\",\"Insurance\",\"Travel\"],\"inLanguage\":\"en\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/international-insurance-why-use-a-broker.html\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/international-insurance-why-use-a-broker.html\",\"name\":\"Why Expats Use a Broker to Get International Insurance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/international-insurance-why-use-a-broker.html#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/international-insurance-why-use-a-broker.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/advisor-and-client-reviewing-documents-together-in-a-modern-office-setting.webp\",\"datePublished\":\"2025-05-23T04:31:08+00:00\",\"dateModified\":\"2026-08-27T17:15:17+00:00\",\"description\":\"Learn how global insurance brokers help expats and travelers secure the best coverage, compare plans, and save money with no extra cost to you.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/international-insurance-why-use-a-broker.html#breadcrumb\"},\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/international-insurance-why-use-a-broker.html\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/international-insurance-why-use-a-broker.html#primaryimage\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/advisor-and-client-reviewing-documents-together-in-a-modern-office-setting.webp\",\"contentUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/advisor-and-client-reviewing-documents-together-in-a-modern-office-setting.webp\",\"width\":1280,\"height\":720,\"caption\":\"Image of Advisor And Client Reviewing Documents Together In A Modern Office Setting with text overlay of \\\"Why Expats and Travelers Should Use an International Insurance Broker\\\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/international-insurance-why-use-a-broker.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Why Expats and Travelers Should Use an International Insurance Broker\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/\",\"name\":\"Pacific Prime's Blog\",\"description\":\"The Lighter Side Of Health Insurance\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#organization\",\"name\":\"Pacific Prime\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/PP_logo-nonSlogan_blue-nonOutline.png\",\"contentUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/PP_logo-nonSlogan_blue-nonOutline.png\",\"width\":3314,\"height\":999,\"caption\":\"Pacific Prime\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/pacificprime\",\"https:\\\/\\\/x.com\\\/ThePacificPrime\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/pacific-prime\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/person\\\/28ca51ef3d01177132923253f8b13623\",\"name\":\"Serena Fung\",\"description\":\"Serena Fung is the Head of Content at Pacific Prime, a global insurance brokerage and employee specialist serving over 1.5 million clients in 15 offices across the world. With 6+ years of experience writing about the subject, she aims to demystify the world of insurance for readers with the latest updates, guides and articles on the blog. Serena earned her Bachelor\u2019s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it\u2019s cognitive psychology!). Her previous work experience includes teaching toddlers to read, writing for a travel\\\/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.\",\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/serena-fung-849902126\\\/\"],\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/author\\\/serena\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Why Expats Use a Broker to Get International Insurance","description":"Learn how global insurance brokers help expats and travelers secure the best coverage, compare plans, and save money with no extra cost to you.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html","og_locale":"en_US","og_type":"article","og_title":"Why Expats Use a Broker to Get International Insurance","og_description":"Learn how global insurance brokers help expats and travelers secure the best coverage, compare plans, and save money with no extra cost to you.","og_url":"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html","og_site_name":"Pacific Prime&#039;s Blog","article_publisher":"https:\/\/www.facebook.com\/pacificprime","article_published_time":"2025-05-23T04:31:08+00:00","article_modified_time":"2026-08-27T17:15:17+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/advisor-and-client-reviewing-documents-together-in-a-modern-office-setting.webp","type":"image\/webp"}],"author":"Serena Fung","twitter_misc":{"Written by":"Serena Fung","Est. reading time":"14 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html#article","isPartOf":{"@id":"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html"},"author":{"name":"Serena Fung","@id":"https:\/\/www.pacificprime.com\/blog\/#\/schema\/person\/28ca51ef3d01177132923253f8b13623"},"headline":"Why Expats and Travelers Should Use an International Insurance Broker","datePublished":"2025-05-23T04:31:08+00:00","dateModified":"2026-08-27T17:15:17+00:00","mainEntityOfPage":{"@id":"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html"},"wordCount":2991,"publisher":{"@id":"https:\/\/www.pacificprime.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html#primaryimage"},"thumbnailUrl":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/advisor-and-client-reviewing-documents-together-in-a-modern-office-setting.webp","articleSection":["Health","Insurance","Travel"],"inLanguage":"en"},{"@type":"WebPage","@id":"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html","url":"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html","name":"Why Expats Use a Broker to Get International Insurance","isPartOf":{"@id":"https:\/\/www.pacificprime.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html#primaryimage"},"image":{"@id":"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html#primaryimage"},"thumbnailUrl":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/advisor-and-client-reviewing-documents-together-in-a-modern-office-setting.webp","datePublished":"2025-05-23T04:31:08+00:00","dateModified":"2026-08-27T17:15:17+00:00","description":"Learn how global insurance brokers help expats and travelers secure the best coverage, compare plans, and save money with no extra cost to you.","breadcrumb":{"@id":"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html#breadcrumb"},"inLanguage":"en","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html"]}]},{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html#primaryimage","url":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/advisor-and-client-reviewing-documents-together-in-a-modern-office-setting.webp","contentUrl":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/advisor-and-client-reviewing-documents-together-in-a-modern-office-setting.webp","width":1280,"height":720,"caption":"Image of Advisor And Client Reviewing Documents Together In A Modern Office Setting with text overlay of \"Why Expats and Travelers Should Use an International Insurance Broker\""},{"@type":"BreadcrumbList","@id":"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.pacificprime.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Why Expats and Travelers Should Use an International Insurance Broker"}]},{"@type":"WebSite","@id":"https:\/\/www.pacificprime.com\/blog\/#website","url":"https:\/\/www.pacificprime.com\/blog\/","name":"Pacific Prime's Blog","description":"The Lighter Side Of Health Insurance","publisher":{"@id":"https:\/\/www.pacificprime.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.pacificprime.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en"},{"@type":"Organization","@id":"https:\/\/www.pacificprime.com\/blog\/#organization","name":"Pacific Prime","url":"https:\/\/www.pacificprime.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.pacificprime.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/PP_logo-nonSlogan_blue-nonOutline.png","contentUrl":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/PP_logo-nonSlogan_blue-nonOutline.png","width":3314,"height":999,"caption":"Pacific Prime"},"image":{"@id":"https:\/\/www.pacificprime.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/pacificprime","https:\/\/x.com\/ThePacificPrime","https:\/\/www.linkedin.com\/company\/pacific-prime\/"]},{"@type":"Person","@id":"https:\/\/www.pacificprime.com\/blog\/#\/schema\/person\/28ca51ef3d01177132923253f8b13623","name":"Serena Fung","description":"Serena Fung is the Head of Content at Pacific Prime, a global insurance brokerage and employee specialist serving over 1.5 million clients in 15 offices across the world. With 6+ years of experience writing about the subject, she aims to demystify the world of insurance for readers with the latest updates, guides and articles on the blog. Serena earned her Bachelor\u2019s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it\u2019s cognitive psychology!). Her previous work experience includes teaching toddlers to read, writing for a travel\/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.","sameAs":["https:\/\/www.linkedin.com\/in\/serena-fung-849902126\/"],"url":"https:\/\/www.pacificprime.com\/blog\/author\/serena"}]}},"_links":{"self":[{"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/posts\/15784","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/users\/54"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/comments?post=15784"}],"version-history":[{"count":14,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/posts\/15784\/revisions"}],"predecessor-version":[{"id":31106,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/posts\/15784\/revisions\/31106"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/media\/21764"}],"wp:attachment":[{"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/media?parent=15784"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/categories?post=15784"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/tags?post=15784"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}