Understanding International Insurance

We have compiled a list of the most frequently asked questions regarding international health insurance, and created a comprehensive library of articles addressing many of the complex topics, to assist you in the process of understanding international insurance. If you can’t find the answer that you are searching for please let us know.

Identifying the best expat medical insurance plan is a tough process that is only complicated by the excessive insurance terminology. You're certainly not alone in occasionally feeling overwhelmed while searching for details on specific insurance policies. Fortunately, we've put together this extensive list of expatriate insurance terms that will come up again and again in your research.

Definition: Expatriate health insurance policies provide either worldwide or regional medical coverage to international citizens living outside of their home country.


White sandy beaches, lazy strolls through the night bazaars, relaxing with a cool, refreshing drink after an activity-filled day - all this sounds like a great retirement plan, right? More and more people are successfully finding their retirement home in a foreign country - from the low cost of living to the scenic views and ideal weather, these circumstances create the perfect atmosphere for retiring abroad.

Expatriate Destinations to Retire Abroad

With the globalization of commerce, the fluctuating economy in many counties and the accessibility of international travel, the idea of retiring abroad is an exciting and attainable goal. The current trend for many successful couples is to retire early, if possible, and retire cheaply above all else. The top retirement locations, according to Forbes, due to their financial bonus of the cheap cost of living, are:

  • Central America and the Gulf islands (Panama and Costa Rica, respectively)
  • South America (Ecuador and Colombia)
  • Asia (mainly Malaysia and Thailand)

As people search for their ideal international retirement residence, they seek breathtaking views, a variety of activities, and a community in which they can live and contribute to. It is very important, when considering any of these beautiful places, to thoroughly research some of the following concerns in respect to what health care looks like and how insurance will be able to assist you in your destination.

No one wants to have a medical emergency, and particularly not in a country that is unfamiliar territory- or when there is a language barrier. It is safe to say that merely thinking about this kind of situation is exhausting, let alone having to go through it. Situations like these give you the answer to your question of how important is international health insurance, since it allows you to travel with ease and rest assured knowing that you will be taken care of, should the unforeseen occur.

With the cost of pregnancy and maternity care always increasing, it is important for women to plan ahead. Purchasing international health insurance with maternity coverage will help ease the stress of having to shed thousands of dollars for prenatal, newborn and postnatal care. Understanding considerations and factors when choosing an insurance plan will help you experience the best maternity coverage possible.

If you find yourself caught in a medical emergency while in another country, transportation can cost you thousands of dollars. With emergency evacuation and repatriation of remains insurance coverage, a medical dilemma does not have to turn into a financial one as well. It is important to obtain the best international travel medical insurance for your situation so that your stay will be as comfortable as possible.

Your grand adventure to Australia ends with a twisted ankle in the outback; You hike all the way to the top of the Rocky Mountains, only to trip and cut yourself on your broken camera; Perhaps that cute animal you get too close to for a photo decides to attack. Sometimes accidents happen, even on the most well planned excursion.

Once you have purchased your international health insurance plan, it may seem like everything is in order. Even if you have fulfilled any necessary insurance requirements for travel, it is important to understand the basics of your health policy and how to utilize it. Being informed of less familiar benefits included or excluded and potential paperwork associated with your coverage will allow you to maximize your plan and be well prepared in the event of an emergency.

International Insurance Plans

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