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Best travel insurance plans for expats

Travelling abroad soon? Not sure which travel insurance is the best for your needs? Read on to learn more about the best travel insurance for expats here.

Best travel insurance plans for expats

Buying the best travel insurance plan

When travelling overseas, there’s more to think about than just the clothing and toiletries you need to pack - you should also remember to secure the best travel insurance. Safeguarding your health abroad is important, as usually the main insurance you have back home won’t protect you when you’re away.  

Nowadays, buying travel insurance is as quick and simple, often taking less than a few clicks. Expatriate travel plans are widely available, and can be purchased conveniently via travel insurance websites, airline companies, banks, and more. But let’s face it: the majority of us buy travel insurance insurance without getting acquainted with the benefits offered.

There are hundreds and thousands of travel insurance plans on the market and, understandably, they can all look very similar on the surface. For example, virtually all travel plans cover emergency medical expenses, as well as travel-related mishaps like lost or stolen baggage.

If you dig a little deeper, however, you will find that travel policies can vary significantly in terms of their duration and location of cover, coverage limits, benefits, etc. As such, taking the time to think about your coverage requirements and/or talking to an experienced broker like Pacific Prime can go a long way in ensuring you get the best travel insurance plan for your trip.

Is travel insurance my best option?

As travel insurance policies are short term in nature, most plans have a coverage period of up to one year or less. As they tend to be a lot more affordable than other health coverage options (international health insurance, for example), a travel plan may be the best option for those going away on a short holiday or work trip, and exchange students studying abroad for one or two semesters.

If you’re working abroad as an expat, however, your coverage needs will likely be very different from that of an occasional traveller. Expats on short term assignments that do not exceed 12 months can still choose to secure travel coverage, while those working abroad for longer periods of time may find themselves ineligible for most travel insurance products.

Best travel insurance from Pacific Prime

At Pacific Prime, we offer some of the very best travel insurance plans on the market. All of our plans can be tweaked and tailored quickly to suit your travel and budget needs, and come from the top travel insurance companies:

Bupa Global

Bupa Global

With decades of global medical expertise, Bupa Global offers one of the most comprehensive travel policies on the market.

Plan highlights:

  • Comprehensive coverage (unlimited inpatient and outpatient coverage)
  • Worldwide direct billing for inpatient treatment
  • $0 deductibles
  • Covers almost all adventure sports
  • Possible cover for pre-existing conditions
  • Covers children under 2 years old for free
  • Covers pregnant women (up to the 36th week)
  • Worldwide cover (includes USA cover as standard)

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IMG GlobeHopper

IMG lol

IMG offers flexible travel plans that are ideal for international vacationers, international business travellers, relatives visiting from overseas, international students, and people going on cruises, safaris, or guided tours.

Plan highlights:

  • Options available to choose area of cover (Europe, Worldwide excluding USA, and Worldwide including USA)
  • Six levels of excess, ranging from 0 up to $10,000, £6,000, or €7,500
  • No age limit (coverage reductions apply at age 70 and over)
  • Can be purchased before or after departure
  • Options available for exchange students on a J1/F1 visa, group travel, and multi-trip cover

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GlobalVoyager

Voyager logo

 

Available to residents of almost every country in the world, GlobalVoyager is a flexible travel insurance product with 4 levels of cover to choose from.

Plan highlights:

  • Choice of 4 different levels of cover: Basic, Standard, Super, and Elite
  • Can be purchased before or after departure
  • Over 120+ leisure and sports activities included as standard
  • Flexible emergency medical expenses, evacuation & assistance travel insurance for trips from 3 days up to 3 years
  • No age limits for single trip cover (cover limits and benefit reductions apply from age 70+)
  • Possible cover for pre-existing conditions

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