us citizens living abroad travel insurance

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Expat Travel Insurance: The 5 Best Options for Globetrotters

Travelex Insurance Services »

Allianz Travel Insurance »

World Nomads Travel Insurance »

GeoBlue »

IMG Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Expat Travel Insurance Options.

Table of Contents

• Rating Details
• Travelex Insurance Services
• Allianz Travel Insurance

Americans living abroad for all or even part of the year have a different set of considerations when it comes to finding a travel insurance plan. For example, expats may not need coverage for the same issues as people taking regular vacations, such as trip cancellations and interruptions, trip delays, and lost or delayed baggage. Instead, expats often primarily need health insurance or medical insurance for travel that works both at home and abroad, as well as coverage for emergency medical evacuation.

That said, not all travel insurance companies cover preexisting conditions within their trip insurance plans for expats. Further, some insurance providers limit coverage in a traveler's home country, especially for those who would normally reside in the United States. That's why, ultimately, U.S. citizens living abroad need to compare health plans that can work when they're away based on their coverage options, limitations and costs. Read on to find out which expat insurance plans U.S. News recommends and what each plan has to offer.

• Travelex Insurance Services: Best Premium Coverage for Expats
• Allianz Travel Insurance: Best for Comprehensive Coverage
• World Nomads Travel Insurance: Best for Adventure Travelers
• GeoBlue: Best for Medical-Only Coverage
• IMG Travel Insurance: Best Travel Health Insurance for Seniors

Best Expat Travel Insurance Options in Detail

Kids-included pricing

Preexisting conditions coverage available

Coverage can be expensive

• Trip cancellation coverage worth up to 100% of the trip cost (maximum of $50,000)
• Trip interruption coverage worth up to 150% of the trip cost (maximum of $75,000)
• Travel delay coverage worth up to $2,000
• Missed connection coverage worth up to $750
• Emergency medical coverage worth up to $50,000 (dental limit of $500)
• Emergency medical evacuation and repatriation coverage worth up to $500,000
• Baggage and personal effects coverage worth up to $1,000
• Baggage delay coverage worth up to $200 (12-hour delay required)
• Sporting equipment delay coverage worth up to $200 (24-hour delay required)
• Accidental death and dismemberment coverage worth up to $25,000

Includes a range of comprehensive travel insurance benefits

Coverage can be purchased on an annual basis

Annual plan coverage lasts for trips of up to 45 days at a time

• Trip cancellation coverage worth up to $3,000
• Trip interruption coverage up to $3,000
• Emergency medical coverage up to $20,000
• Emergency medical transportation insurance up to $100,000
• Baggage loss and damage coverage up to $1,000
• Baggage delay coverage up to $200
• Travel delay coverage up to $600
• Rental car damage and theft coverage up to $45,000
• Travel accident coverage up to $25,000

150-plus adventure sports are covered

Choose the level of protection you need

Preexisting conditions typically not covered

• $10,000 in insurance for trip cancellations
• $100,000 in coverage for emergency medical expenses
• $500,000 in coverage for emergency medical evacuation
• $3,000 in protection for your bags and gear

Get comprehensive travel health insurance that works anywhere in the world

Customize your policy to suit your unique needs

Comes without coverage for trip cancellations, baggage and more

Travel medical coverage can be extended for up to 12 months

Limits can be high based on age and other factors

Deductibles of up to $2,500 can apply

No ongoing coverage for preexisting medical conditions

• Up to $250,000 in protection for emergency medical evacuations
• Prescription drug coverage
• Up to $50,000 in coverage for repatriation of remains
• Up to $50,000 in protection for political evacuations

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering personal finance, travel and insurance topics for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, which has led to her having personal experience navigating the claims and reimbursement process. Johnson works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family business.

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June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova, Republic of; North Korea, Democratic People's Rep; Russia; Israel

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International Travel Insurance

International travel is exciting whether it's a quick visit to Paris, an African safari or a week in the Caribbean. Wherever your adventure takes you, international travel insurance can help you travel with peace of mind. If you become sick or injured while traveling; or if circumstances cause you to cancel or interrupt your trip, international travel insurance is there to help you. And, with our  OneTrip Prime plan , kids 17 and under are covered for free when traveling with a parent or grandparent (not available on policies issued to Pennyslvania residents). If something goes wrong when you're far from home, we're here to help. Just call our 24-hour assistance hotline.

View international travel insurance products .

International Travel Articles

The rewards of international travel are incredible — but before your adventure begins, you have to get through customs. We'll help you plan your next overseas trip, figure out what to pack, and protect yourself while you're traveling.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Health section, international health insurance for individuals.

Enjoy peace of mind wherever you travel with global medical coverage.

We have over 30 years experience in international health insurance. And more than 500,000 members trust us with their care worldwide. We offer:  

• Medical insurance
• Dental insurance
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• Both short-term and long-term business travel coverage

Visit Aetna International

Designed to help expats find first-class international medical coverage, this type of plan offers a wide range of options to fit a busy lifestyle.  

Choose this plan if you:

• Do not use health care or have health insurance in the U.S.
• Want plans that cover doctor visits as well as hospital stays
• Need a maximum per person coverage up to $1.6 million per year

International health insurance for US citizens

This style of coverage gives you access to the highest level of health care and services, regardless of your location.  

This insurance plan offers you:

• Worldwide coverage
• 24-hour member support team
• Generous annual maximum coverage
• Emergency medical evacuation
• Coverage for maternity, dental and wellness check-ups

International health insurance for non-US citizens

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See CMS's Medicare Coverage Center

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Guides, services and help for expats around the world

Help, advice and events, spotlight on..., information for british expats, useful 3rd party services for expats.

Best travel insurance options for expats

Last updated: 9 October 2023 at 14:41

Travelling while living abroad introduces a number of different challenges regarding what kind of cover your travel insurance may provide you, but not all travel insurance companies will provide travel insurance for non-UK residents.

When travelling, many people simply choose one of the options presented to us either by the travel agent, airline company or travel website. However, as an expat, your personal situation might exclude you from all the benefits available so it is vital that you read all the terms, conditions and small print to ensure that you are fully covered while travelling.

It is also advised that, rather than wait until you are about to travel to arrange your travel insurance, you should purchase travel insurance as close to when you made your booking as possible - ideally on the same day. This is to ensure you are covered if your travel plans get re-arranged or cancelled due to unforeseen events.

If you have a travel plan which you purchased before you moved abroad, you must also read the small print as it is unlikely to provide cover for your travels once you have moved abroad.

Companies offering travel insurance policies for expats and non-UK residents

Expatriate Healthcare Travel Insurance

Expatriate Healthcare’s, International Travel Insurance TravelCare policy covers all nationalities, travelling anywhere in the world.

You can cover a specific single trip or, for total flexibility, an annual policy that covers you for any trip you take abroad; regardless of how often you travel.

Perfect for people who

• Expats under 70 years old
• Seeking global cover
• Children over 5 travelling alone

Important Facts

• Visit as many countries in your destination area
• Europe only cover
• Global cover
• Contracts in English
• Free online quotes

Staysure Expat Travel Insurance

Staysure Overseas SL offers Expat Travel Insurance to the over 50s, bringing our quality products and excellent value for money to those living outside the UK.

• Live abroad and travel anywhere in the world
• Are over 50
• Need global cover
• Instant quote
• Instant cover

We do not accept any responsibility for information, offers or product suitability of any product or content on third party sites.

• Travel insurance for US citizens living abroad

Travel insurance for US citizens residing abroad and visiting the USA

Compare travel medical insurance for us citizens visiting usa, travel insurance for us citizens living abroad visiting usa.

Are you a US citizen living abroad? It is a challenge to find travel insurance for US citizens visiting USA as travel insurance plans or health medical insurance plans offer coverage for travelers traveling outside their home country. Here US citizens will be assumed to be living in the United States.

The brochure usually has eligibility requirements like "US citizens traveling outside US" or "Non US citizens coming to the US or any other country"... but excludes US citizens living abroad and visiting the US. There are many US citizens living abroad to work, study or settle in another country. These people often visit US for holidays or to visit families and friends for a short duration. Insurance providers assume these US citizens home country to be US and don’t offer coverage.

However there are a few companies that American Visitors Insurance work with to provide travel insurance for US citizens abroad visiting USA. These plans are available to them as long as they are temporarily visiting US and are returning to their home country outside the US.

International Travel Insurance plans are normally for people traveling outside their home country. There are US citizens who are residing outside the USA and visit US for short durations visiting family, for holidays, business, during Christmas and Thanksgiving holidays or other similar occasions. US citizens who are in this category are not eligible for domestic healthcare in US as they are permanently residing abroad.

Some companies consider the US to be the home country for US citizens regardless of where they live and this makes them ineligible for the international travel insurance plans offered by these companies while visiting the US.

However, they do make exceptions for this specific situation with special conditions included. The common conditions include are that the traveler must be residing outside the US continuously for 6 or more months. American Visitor Insurance provides international travel and health insurance plans for US citizens residing abroad making short term visits to US occasionally.

Patriot America Plus and Patriot Platinum America can be used by US citizens as long as they maintain a residence outside the US and are visiting the country for a short visit. The Patriot America Plus insurance plan offered by IMG is specifically designed for short term visitors to USA and is a hugely popular choice among tourists to America.

The policy covers "acute onset of pre-existing conditions" up to the maximum of the plan purchased for persons under 70 years of age. The company recently added the benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used.

There is a sports rider that can be added for additional cost to cover skiing, snorkeling, surfing, and other common recreational sports. Persons under 70 years of age can get up to $1 million maximum coverage.

There are two insurance providers who offer short term travel medical insurance for US citizens living outside the United States, but who are visiting the US. The travel insurance providers are:

• Global Underwriters
• International Medical Group (IMG)

Diplomat America insurance from Global Underwriters offers coverage for US citizens visiting USA. IMG's Patriot America Plus and Patriot Platinum America plans offer coverage for US citizens visiting USA

American traveler insurance including trip cancellation coverage

US citizens should consider buying travel insurance especially if traveling outside their home state. The travel insurance plans are designed for US vacationers with coverage for insuring the health of the traveler as well the trip expenses cost. Some examples of coverage benefits are trip cancellation, trip delay, Quarantine travel insurance , medical evacuation, injury of family member, travel companion or pet, theft of passport, traffic accident, inclement weather resulting in delay or cancellation of common carrier.

• Non refundable cost of the trip.
• Unexpected medical expenses of the traveler.
• Loss or damage to the insured’s possessions.

IMG Trip insurance

The travel insurance offered by IMG is a three-tiered series of plans: Travel Lite , Travel SE and Travel LX . These plans offer coverage for unexpected medical expenses dues to accident or sickness as well as insure your trip expense investment in case of a trip cancellation or delay.

Travel LX insurance has 'Cancel for any reason' benefit included and provides coverage up to $100,000. The Travel SE and Travel LX plans offer Trip Delay benefit up a maximum of $2,000 per person and $2,500 per person respectively which satisfy many countries Covid travel insurance quarantine requirements.

Safe Travels Trip protection insurance

Safe Travels Trip protection insurance plans for trip cancellation expenses from Trawick International offer coverage for non refundable trip expenses incurred when a trip is cancelled. These are

• Safe Travels Voyager insurance
• Safe Travels Protect insurance
• Safe Travels First Class Trip Protection
• Safe Travels Explorer Plus
• Safe Travels Journey insurance
• Safe travels Explorer insurance
• SafeTravels Armor insurance
• Safe Travels Defend insurance
• Safe Travels Single Trip Protection

The Safe Travels First Class Trip Protection , Safe Travels Voyager insurance and SafeTravels Armor have an optional benefit that is the ' Cancel for any Reason ' which is available as a rider at an additional cost.

The Safe Travels Voyager insurance and Safe travels Explorer insurance is quite popular as it offers Covid19 quarantine accommodation coverage.

Trip Protector Preferred insurance

• Available for US citizens and residents traveling outside the United States
• Includes $2000 in travel delay benefits for Covid quarantine/lodging.
• Trip cancellation up to $50,000/Trip interruption up to 200% of trip cost
• Offers $500,000 medical for sickness and injury/$1,000,000 medical transportation

Seven Corners Trip Protection Insurance Plans

The Trip Protection Series by Seven Corners offers plans with good, better, best plan with Trip Protection Basic and Trip Protection Choice . There is an additional cost for the number of days which exceed 30 days, but you can have a trip last up to 180 days.

Trip Protection Elite from Seven Corners offers cancel for any reason for residents of Missouri, New York, Pennsylvania and Washington travelling in the United States /internationally. you can have a trip last up to 90 days.

There is also the optional coverage for loss of ski days and equipment and lost golf rounds and rental. Note that insuring a trip for $0 to $500 gives the same, lowest rate available.

Travel Insurance Services Trip Protection Insurance Plans

Travel Insurance Select Insurance and Trip Care Complete Insurance from Travel Insurance Services,offers choice of three options to meet your needs and budget: Elite, Plus, and Basic. These plans includes coverage for trip cancellation, trip interruption, trip delay, medical expense, emergency evacuation, and baggage loss/delay coverage. Each option includes different features, benefits, and coverage limits.

Travel Insurance Select Plus and Elite plans offers "Optional cancel for any reason benefit" if purchased within 21 days of the date initial payment/deposit is received. (not available to residents of NY) and Trip Care Complete Insurance also offers "Optional cancel for any reason benefit" up to 75% of Trip Cost.

Information about US mobile passport control and TSA pre check for US passport holders.

US expatriate insurance

Health insurance for U.S. expats is essential for providing access to quality healthcare while living abroad. Expatriates often need coverage that goes beyond what their domestic U.S. health insurance provides because most U.S.-based health insurance plans do not cover medical expenses incurred outside the United States.

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Trip Cancellation Insurance

Highlights of trip cancellation insurance coverage benefits

Best Covid19 travel with trip protection insurance for US citizens.

Compare travel Insurance with cancel for any reason benefit.

Best trip cancellation insurance with quarantine coverage.

Rental car Insurance for damage, theft, repair of rented cars.

Trip cancellation insurance for trip expenses if the trip is cancelled.

Trip interruption insurance for travel expenses when a trip is Interrupted.

Travel insurance coverage due to lost, damaged, delayed or stolen luggage.

Emergency medical evacuation travel insurance coverage.

Cost of travel insurance factors

Factors to consider while buying travel insurance.

Travel insurance cost calculator

Travel Insurance cost calculator, Trip cost calculator

Select the best travel insurance plans...

Best trip cancellation insurance, itravelinsured travel se insurance.

• Trip Cancellation: Up to $100K of the trip cost
• US Residents on domestic and worldwide trips
• iTravelInsured Travel SE Quarantine Benefit: Travel SE plan offers Coverage for accommodations due to a covered Trip Delay $2K/$125 per person per day is included in the basic coverage.

iTravelInsured Travel LX Insurance

• Trip Cancellation: Up to $100K of Trip Cost
• iTravelInsured Travel LX Quarantine Benefit: Travel LX plan offers Coverage for accommodations due to a covered Trip Delay $2,500/$250 per person per day is included in the basic coverage.

iTravelInsured Travel Lite Insurance

• Inexpensive coverage for trip cancellation & interruption
• iTravelInsured Travel Lite Quarantine Benefit: Travel Lite plan offers Coverage for accommodations due to a covered Trip Delay $500/$125 per person per day is included in the basic coverage. US Residents on domestic and worldwide trips.

Travel Sport Insurance

• Trip Cancellation: 100% of insured trip cost per person
• US Residents on domestic and worldwide trips.
• Quarantine Benefit: Coverage for accommodations due to a covered Trip Delay which is $5K/$250 per person per day and is included in the basic coverage.

Vacation Rental Insurance

• Coverage for airline reissue or cancellation fee reimbursement.
• Maximum Trip Length is 31 days.

Safe Travels Voyager Insurance

• Trip Cancellation: Up to 100% of Trip Cost Insured
• Up to 100% of Trip Cost Insured
• Quarantine coverage
• Provides a minimum coverage of $3K for potential or extended quarantine lodging expenses.

Safe Travels Single Trip Insurance

• Trip Cancellation: Trip Cost: Up to a Maximum of $30K.
• Maximum Trip Length 90 Days

Safe Travels First Class Insurance

• Trip cancellation: 100% of Trip Cost Up to a maximum of $50K. ($30K age 81+)
• US residents traveling within the United States and abroad
• Cancel for Any Reason available in most states

Safe Travels Armor Insurance

• Trip Cancellation: Trip Cost: Up to a Maximum of $15K.

Safe Travels Protect Insurance

• Trip cancellation: 100% of Trip Cost Up to a maximum of $14K.

Safe Travels Explorer Insurance

• It covers Trip Cancellation coverage from $150 to $10K.
• Provides a minimum coverage of $1K for potential or extended quarantine lodging expenses
• Offers coverage of $50K for emergency medical expenses
• Offers comprehensive trip cancellation coverage

Trip Protector Preferred Insurance

• Available for US citizens and US residents whose home country is US and must be travelling outside USA
• Includes $2000 in travel delay benefits for quarantine/lodging.
• Trip cancellation up to $50K/Trip interruption up to 200% of trip cost
• Offers $500K medical for sickness and injury/$1M medical transportation

Travel Insurance Select Plan Insurance

• Trip Cancellation: Basic - $15K Max
• Trip Cancellation: Plus - $100K Max
• Trip Cancellation: Elite - $100K Max

Trip Care Complete Insurance

• Trip Cancellation: Basic - $10K Max
• Trip Cancellation: Plus - $25K Max
• Trip Cancellation: Elite - $30K Max

Trip Protection Basic

• Trip Cancellation: 100% of trip cost up to $30K
• Provides coverage for U.S residents and U.S citizens who wish to travel within the U.S or travel overseas /internationally

Trip Protection Elite

• Provides coverage for residents of Missouri, New York, Pennsylvania and Washington travelling in the United States /internationally.

Trip Protection Economy

• Trip Cancellation: 100% of trip cost up to $20K

Trip Protection Choice

• Trip Cancellation: 100% of trip cost up to $100K
• Provides coverage for U.S residents and U.S citizens who wish to travel within the U.S or travel overseas /internationally.

Safe Travels Defend Insurance

Safe travels rental plus.

• Vacation rental coverage for trip cancellation, trip interruption, trip delay and emergency medical.
• Trip cancellation: 100% of Trip Cost Up to a maximum of $10K.

Safe Travels Flex

• Trip cancellation: 100% of Trip Cost Up to a maximum of $25K.

Trip Cancellation insurance Faq's

Trip Insurance is cover in a travel insurance that provides protection towards travel and trip related events. It provides coverage for travel delays, trip cancellation, trip interruption, missed flight, loss or damage of baggage and lost passport. Under trip insurance travelers can choose trip cancellation, trip interruption cover for covered reasons. Travelers can include an extra rider in the travel insurance policy or cancel for any reason. Cancel for any reason coverage allows the traveler to cancel the planned trip for reasons that may not be covered otherwise.

No, trip cancellation is a part of trip insurance cover that needs to be included while purchasing International travel insurance.

There are some very advantageous credit cards out there to help travelers, particularly with money exchange fees when making purchases abroad. However, you should look over your benefits carefully. Certainly travel items charged to the card may be covered and refundable, but what if you get sick at your destination? What if your luggage is lost? What if you need to quarantine or get delayed in one leg of your trip? A trip cancellation plan can put your mind at ease. They are specifically designed to help in all aspects of travel from interruptions that may come up (an emergency back home), unintended trip delays (testing positive for COVID, missing a flight or having a flight cancelled), helping you get your minor children home if you can't, and medical expenses should you become sick or hospitalized. There are plans to help you get your pet home safely and insure your expensive golf clubs or sports equipment get with you to your destination! You have invested so much into your trip planning, you may as well have full peace of mind that your investment is protected and you are taken care of by experts who have dealt with the most unlikely of scenarios!

Note that iTravelInsured Travel SE has kids under 10 "free" with a paying adult. This can make a family trip very economical while making sure all members are covered just in case! The iTravel LX is a great option if you are concerned about including cancel for any reason coverage.

That depends. Did you look over their policy carefully? The cruise policy may be focussed on getting your money back for what you paid for the cruise. What about your plane tickets to get you to the initial port and home from the last port? What if your luggage is lost on the way? What if you get sick or hurt during your cruise? Be sure that you have health insurance that is good while you are away from home. Going abroad or even out of state can increase deductibles and/or coinsurance or you may not even be covered. Find out ahead of time! Know the limitations of the cruise insurance and figure out if you would like to be more secure in your purchase. Finally, trip cancellation insurance companies are experts at helping travelers and they have thought of a lot of things going wrong that you may not have! So, consider your options carefully.

Yes, changes can be made to the trip insurance policy after you have brought the policy.

Travelers can change information like travel dates, destinations, trip costs, travelers personal information, mailing address corrections, etc.

No, trip insurance should be brought 24 hours before the trip departure date.

Travelers can justified in asking if it is worth buying trip cancellation plans. Given the cost of a trip which is often an annual vacation, or sometimes a once in a lifetime travel experience, trips especially if it involves traveling overseas can be quite expensive. A planned vacation can involve expensive airline tickets, hotel reservations and cruise bookings, much of these done well in advance of the actual vacation. Given the hectic nature of our work and lifestyles, one cannot be absolutely certain that none of our planned travel plans will not need last minute changes.

A serious medical situation of an immediate family member or even work related pressures can force a change in travel plans. It is here that Trip protection or trip cancellation insurance can make all the difference. Even if the trip starts on schedule, there can be unplanned adverse situations such as lost baggage, delay in flights resulting in missed hotel or cruise bookings or even a medical ailment during the trip. Again, in these situations trip insurance can be invaluable. There are different types of trip insurance plans available, some which cover cancellation for clearly defined specific reasons, some others which provide trip protection insurance for cancellation for any reason.

At American Visitor Insurance, we work with different insurance providers who specialize in Trip insurance. Compare trip insurance plans of different providers to find the best trip cancellation insurance for your specific needs.

The cost of trip or cancellation insurance depends on the ages of the travelers and how much you want to insure your trip for. Remember that you will only receive the non-reimbursable portion of your trip deposit or trip costs. Two people in their thirties traveling for less than 30 days with a trip cost of $500 each can get a policy from $40 to $100 depending on the details of the coverage they desire. The more expensive plans will include coverage for "cancel for any reason."

There are different factors for buying best health insurance for USA visitors. Visitors should compare fixed benefits and comprehensive visitor insurance plans. Foreign visitors to USA travel insurance customers should understand the concepts of deductibles and co-insurance and Pre-existing conditions travel health insurance. A prudent and well informed traveler will make the correct choice while buying tourist insurance in USA for his or her unique needs.

There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies.

The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments, travel insurance international coverage for Covid19 ... The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credit card. One completing the purchase the travel insurance plan is emailed to the customer.

Trip Cancellation insurance reimburses the traveler for pre-paid, non-refundable expenses if one cancels the trip before the start of the journey. ... Covered reasons to cancel your trip include – injunry, sickness, death of an immediate family member or of a traveling companion, hurricane damages in your travel destination or cancellation of the airline flight.

The Cancel for Any Reason (CFAR) add-on option is available on several trip cancellation insurance plans. This is a great option which gives the travelers flexibility to cancel their trip for any reason which is otherwise not covered in the basic trip cancelation insurance plan. However they have to cancel the trip more than 48 hours before the scheduled departure date.

We often get queries from travelers asking to buy a travel insurance plans that only offers trip cancellation coverage. Most travel insurance plans are comprehensive which include coverage for health of the traveler, trip interruptions and cancellations, trip delays and luggage loss or delay. If a traveler’s primary concern is that of their trip being cancelled then it is logical to buy the cheapest trip cancellation plan which has this coverage.

There are two general categories of travel insurance. There are trip cancellation policies (we will consider travel insurance from a credit card in this category) and travel medical insurance. MOST trip cancellation policies also cover medical expenses while on your trip. However, some cheaper plans and many offered through credit cards, do NOT. I recently checked my own credit card coverage and the coverage is limited to what I purchased using my card (so flights, hotel reservations only). If I get sick, that insurance alone will not cover me. This is getting to be more of an issue as our own domestic US policies often do not cover us well outside of our home state.

The other type of policy is a travel medical policy. This does NOT cover trip cancellation; however, if you are not able to go on your trip, you can simply cancel your policy before it begins for a full refund of the policy. If you purchase a comprehensive policy, you will also get many travel benefits like you do with the trip cancellation policies, such as: lost baggage, trip interruption, and accidental death benefits.

They may not be as high as with a trip cancellation plan, but they give some peace of mind and they allow you to choose more specifically the amount and type of medical coverage you need while you are traveling. Some policies offer coverage for acute onset of pre-existing medical conditions, for example. All policies offer some coverage of emergency medical evacuation and repatriation. So, the answer to the question is Yes and No. Be sure you have a travel insurance plan that will cover what is important to you while on your trip.

Cancel for any reason Faq's

The cancel for any reason (CFAR) insures the traveler for any non-refundable trip expenses or pre-paid trip deposits should the traveler cancel his trip for any reason that is not covered by the regular trip cancellation coverage. This benefit is separate and additional to the trip cancellation coverage.

The ‘Cancel for any reason’ coverage is considered as the fall back cover for travellers who worry they may have to cancel their trip for any unforeseen reason not covered by trip cancellation coverage and want to recover at least part of their planned travel expenses.

The traveller has to ensure that they are eligible to buy the Cancel for any reason (CFAR) coverage. For this the traveller has to buy the CFAR within a clearly defined number of days after the initial trip deposit (usually 21 days).

Travelers can then compare available CFAR plans and insure for the full trip cost. To ensure eligibility for this coverage, the cancellation of the trip has to be done in time within the policy eligibility guidelines which is usually 48 hours before the start of the trip.

The ‘Cancel for any reason’ coverage may be either included within the trip cancellation insurance plan or it may be an additional add on option that can be purchased for an additional amount.

• The CFAR coverage requires the traveller to purchase CFAR insurance within a certain number of days of making your initial trip deposit.
• The trip cancellation must occur within a defined number of days before the scheduled trip departure.
• The traveller must insure 100% of all pre-paid travel arrangements that have cancellation penalty.
• Some CFAR plans have a maximum limit of per-person trip cost.
• The CFAR coverage will pay only for the non-refunded amount. Any refund received by the travel vendor will be deducted from the CFAR refund.

The travel restrictions are on constant review depending on the severity of the coronavirus cases around the world. If the concern is about a sudden requirement of cancellation due to the surge of covid19 then Cancel for Any Reason (CFAR) coverage is the good option to get coverage for the non-refundable trip expenses.

Factors that determine the cost of US travel insurance plans

The cost of Schengen visa insurance depends on the following:

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.

The price of visitors medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.

The longer the duration of visitor medical insurance required, the higher will be the cost.

Additional add-on benefits like adventure sports coverage… will increase the cost of coverage.

Resourceful tourist insurance USA information

Find the best travel insurance, how does travel insurance work, how to buy travel insurance, travel insurance glossary, travel insurance for specific groups, compare travel insurance plans, international travel health insurance useful links, visiting usa, forum entries, factors to consider, insurance for us citizen and non us citizen purchasing insurance for visiting the us.

• I am an American citizen, but my wife is not. When in the payment window, I am only asked my citizenship, and not my wife's. Is this a problem? Do we need to buy separate plans?
• How close to traveling can we need to get this plan? We will be traveling in May.

General - FAQ's

01.  what travel insurance covers the usa.

US Travel insurance plans for coverage can be purchased online at American Visitor Insuranceto get a medical and travel insurance cover in the United States. International travel insurance provides coverage forunexpected medical emergencies during the travel period. Travel insurance is particularly important during the Covid19 pandemicfor safe travel to the US.

American visitor insurance offers customers with some of the best US travel insurance options which can be compared to find the most appropriate product for one’s needs. Formore details travelers can call the customer service or email and the team will be glad to help.

02.  Do US citizens need travel insurance/health insurance to visit the USA if they live abroad?

While it is not a legal requirement for the US citizens living abroad to buy health insurance while they visit the US, it is very important given the very high cost of US healthcare.

While there are more travel insurance options for Non US citizens visiting the US, there are only a few travel health insurance plans available for US citizens who live overseas and are visiting the US to cover them for any unexpected medical coverage in case of sickness or injury. While most plans do not cover US citizens in the US, there are a few plans that provide coverage for US citizens visiting the US if they can show proof of a foreign residential address and they are going back to that country after a short visit to the US.

The following plans cover US citizens living overseas and visiting the US for a short visit:

• Patriot America Plus from IMG
• Diplomat America from Global Underwriters
• Patriot America Lite
• Patriot Platinum

Even though it is not a legal requirement to have travel insurance,it is highly recommended to purchase one, so that they can enjoy their short trip in the US without worrying about the expensive medical treatment in case of unexpected situations. Most of the US domestic health insurance plans will not cover the US citizens visiting US for a short time as they are not residing in the US for at least some time like 3 months, 6 months.

Apart from these plans there are trip cancellation insurance plans available which provide in network benefits to the customer within the PPO network. These networks include "United Healthcare'' , "First Health Network'', "Coventry Healthcare''...The trip insurance plans cover trip cancellation benefits which can be very useful during flight bookings and cruise bookings. This benefit can save a lot of money in case of unexpected incidents where you may need to cut short the trip or cancel the trip.

There are great trip insurance plans in the market. Choosing the right plan carefully keeping your requirements in mind is an important task.

03.  How much does expat health insurance cost in the USA?

The cost of expat insurance depends on the age , duration that they want the insurance for, policy maximum options selected, deductible selected. It also depends on the plan that is chosen and the number of people on the plan.

The cost of an expat health insurance can vary from $300 -$420 per month. If you are a US citizen looking to get covered in the US during your short visit to the US, then you need to purchase proper travel insurance coverage. Normally US expats traveling to other countries get coverage, however there are few plans that cover travel insurance for US expats visiting USA.

04.  Which is the most suitable insurance for US citizens visiting the US from abroad?

There are only a few plans which provide coverage for US citizens within the US. Here are the plans listed:

These plans provide coverage for :

• Emergency medical treatment
• Trip Interruption
• Emergency medical evacuation
• Lost baggage and delay
• Coverage for unexpected sickness and injury
• Emergency medical evacuation and repatriation
• Acute onset of pre existing conditions
• Urgent Care visit
• Emergency dental coverage
• Emergency eye coverage

Trip cancellation Insurance are also suitable for US citizens visiting the US from abroad . These plans will also insure the trip expenses, such as airline and hotel bookings and any unexpected trip cancellation expenses along with providing coverage to the health of the traveler. It is important to choose the right plan by comparing trip cancellation plans on American Visitor Insurance and looking at the benefits that you need.

US citizen cruise travel insurance

Popular destinations for american travelers.

Travel to Africa

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Travel to Latin America

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Travel to North America

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Popular cities among us travelers.

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Travel medical insurance resources

Choose international travel insurance resources for travel outside your home country.

Compare travel insurance factors

Important factors to consider while deciding on the best travel medical insurance.

Types of travel insurance online

Understanding different US travel insurance options, fixed benefits vs comprehensive coverage.

Travel insurance Claims Procedure

Travel medical insurance online claims process for getting medical care in a hospital.

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

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Travel Insurance for US Citizens

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Travel insurance for US citizens visiting USA

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US Citizens Living Abroad: Expat Health Insurance

Thousands of Americans realize their lifelong dreams and move overseas to chase these dreams. From experienced executives looking for new business ventures, a retired couple longing to explore new cultures, to spirited students on a gap year hoping to gain some work experience, becoming an American expat has no age limits. However, living abroad comes with a set of challenges. Moving to a new country means adapting to things you are not used to, which can be stressful. In your environment, you'll find yourself worrying about things such as understanding highway signboards, where to find an internet provider, or interpreting different dishes on the menu. While these challenges are easy to embrace, one main challenge stands out; expat health insurance. Here, we discuss everything you need to know about expat insurance for Americans living abroad.

How to Manage Social Security for American Expat and His Family Abroad  

The amount of Social Security benefits you receive depends on your earning history and how old you started making contributions. Although these benefits don't provide a comfortable life, they are vital in supplementing your income, other pensions, and retirement accounts. If you live in the country, managing your Social Security is straightforward. But if you live abroad and qualify for Social Security, there's much you need to know about these benefits.   

While it's possible to receive your payments while living in most countries, the US Treasury Department prohibits Social Security from sending money to American expats living in Cuba and North Korea. However, anyone affected by the sanction can recoup their benefits after relocating.   

American expats living in the following eight countries- Moldova, Azerbaijan, Belarus, Turkmenistan, Kyrgyzstan, Kazakhstan, Tajikistan, and Uzbekistan- can only receive their Social Security payments under the condition that they show up in person at a U.S embassy or consulate after every six months. 

Common Issues You May Receive When Collecting Your Social Security Benefits Abroad  

Other than the conditions set for the above countries, you are free to receive your Social Security benefits when living as an expat in any other country. However, there are specific issues that you and your spouse are likely to encounter when receiving these benefits.

Bi-Lateral Social Security and Totalization Agreements 

Suppose you worked less than 40 quarters under Social Security in the United States and contributed to an equivalent in a foreign country. In that case, you can still receive your Social Security benefits under the bilateral agreements known as the Totalization Agreement .   

The Totalization Agreement aims at:  

• Eliminating dual Social Security taxation, which occurs when you are an American expat working abroad and are required to pay social insurance taxes for both countries.   
• Filling gaps in benefit protection for workers who have divided their careers between the United States and another country. The benefits gap occurs if you are an expat in a country without a Totalization Agreement.  

Receiving U.S Social Security for Foreign Spouses  

Your foreign spouse may be eligible for social security benefits but must meet certain conditions. For instance, if your spouse is not a U.S citizen or a green card holder, their Social Security payments will stop if you have not been in the country for six consecutive months.   

However, there are certain exceptions to this rule. First, your foreign spouse may receive social security benefits abroad if you lived with them in the United States for at least five years as a married couple. Second, your foreign spouse can receive the benefits if they are residents or citizens of a country with bilateral social security agreements. In both cases, the foreign spouse will receive Social Security survivor benefits. 

Effects of Windfall Elimination Provision on Social Security Benefits  

The Windfall Elimination Provision (WEP) may affect you as an American expat who has earned a pension with a foreign government but is also eligible for U.S Social Security benefits. For example, this happens if you are an expat working for a foreign employer but contributed to the U.S Social Security System in the past.   

WEP controls the situation where you might be double-dipping by reaping benefits from both plans. The system helps determine the benefits on record for the primary beneficiary and auxiliaries. WEP minimizes your Social Security benefits, but the reduction cannot be more than 50%. 

Types of Medical Insurance Available for American Expats Abroad  

There are numerous risks associated with moving abroad without medical coverage. For example, you may incur massive medical bills or experience limited access to medical care in a foreign country. Since you never know when you may get sick, it's wise to get an expat's health insurance when working or living abroad.   

Getting health insurance coverage when moving abroad saves you the trouble of finding immediate medical attention in case of an emergency. In addition, it helps you meet the requirements by the US Department of State that requires all US expats to purchase health insurance before traveling.   

When moving abroad, you have three medical insurance options, depending on the country you're relocating to:  

International Private Healthcare Insurance  

If you're relocating to a foreign country without an exemplary public healthcare system, rely on international private insurance. You might want to seek medical attention in private hospitals in such a country since they are well-equipped and provide better services than public hospitals. However, access to these quality medical services is too costly to pay out of your pocket. 

National Public Insurance

There are countries with reliable state-run public health insurance schemes. If you work in such a country, you will be automatically enrolled by paying monthly contributions, similar to taxes. As a result, you will access affordable healthcare services in public hospitals and clinics.  

Combination of Public and Private Health Insurance  

Some foreign countries offer good quality public healthcare. However, the waiting time and crowding in the clinics are a turn-off. In that case, you may prefer additional private healthcare insurance to complement the public insurance, giving you access to private hospitals and clinics. 

Medical System in Europe and the Costs of Service for Expat Health Insurance 

Almost all European countries offer a public healthcare system that ensures easy access to healthcare. As an American expatriate working in European countries, the local insurance may not be sufficient health cover. It's therefore essential to consider other options such as Expat Health Insurance or European Health Insurance.   

You can purchase the European Health Insurance if:  

• You're an American expat, digital nomad, or a globally mobile citizen living in a European country for a long time.   
• You live in a European country for a year or more.  
• You live with your family, are an entrepreneur or a student in a European country, and wish to live without the stress of accessing quality medical services.   

By getting European health insurance, you get access to:  

• Easy and quick claim procedure via an online portal  
• Second medical opinion from medical experts from all over the world  
• Transparent communication and clear information  
• Medical assistance benefits in case of emergencies  
• 24/7 teleconsultation services at no extra cost.

Planning to Move Abroad as an Expatriate? Familiarize With Expat Health Insurance  

When living abroad as an American expat, you never know when you might get sick or injured. Moreover, depending on which country you're living in, you might only access quality health services from private hospitals, which charge you an arm and a leg for the services. For that reason, it's advisable to get expats health insurance before relocating. Hopefully, this guide has provided enough information on the types of medical insurance options you have.

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If you or a U.S. citizen loved one become seriously ill or injured abroad, we can:

• Help locate appropriate medical services.
• Inform your family or friends, with your permission.
• Help  transfer funds  to U.S. citizens overseas.

The U.S. government does not pay overseas medical bills. The patient must pay all hospital and other expenses.

You can find lists of doctors and hospitals in the country you are visiting. Check the  website of the U.S. embassy in the country you are visiting. 

Check Your Health Insurance – Are You Covered Abroad?

Understand what medical services your health insurance will cover overseas before traveling. Carry your insurance card and a claim form if your policy covers you outside the United States. 

Medicare does not cover medical care when you travel the United States. Visit  Medicare.gov  for more information.

Some health insurance companies pay for “customary and reasonable” hospital costs abroad. Very few pay for your medical evacuation back to the United States. The cost may exceed $250,000, depending on your location and medical condition. Consider buying medical evacuation insurance. For more information, visit our webpage on Insurance Coverage Overseas . 

Traveling with Prescription Medications

• Check with the foreign embassy of the country you are visiting or passing through. Check to make sure your medications are allowed, particularly prescriptions for medical marijuana. You may need an import license or permit to travel with certain medications.
• Bring plenty of medicine for your trip. If possible, bring a few extra days’ worth in case of delays. You might not be able to get the same medication abroad.
• Carry a letter from the doctor. It should describe your medical condition. It should also list any prescription drugs and their generic names.
• Keep medications in their original, labeled containers.
• Entering a country with a prescription medication, even if legally obtained in the United States, could be illegal and result in your detention or arrest overseas.

Medical Tourism Abroad

Between 150,000 and 320,000 U.S. citizens travel abroad for medical care each year. Medical tourism includes cosmetic surgery, dentistry, and other surgical procedures. 

If you are a U.S. citizen considering travel abroad for medical care, you should:

• Verify the doctor’s training, qualifications, and reputation. 
• Visit the U.S. Centers for Disease Control and Prevention (CDC) Medical Tourism website for more information on medical tourism. 
• Check country information  for more information.

Inform Yourself About Vaccinations

Some Countries Require Vaccinations

Before you travel, check country information . You may need to carry an International Certificate of Vaccination, also called a Yellow Card. You may also need to show proof of other inoculations or medical tests. Check also current requirements directly with the foreign embassies of the countries you are visiting.

Recommended Vaccinations and Malaria Prevention

Check the  U.S. Centers for Disease Control (CDC)  and World Health Organization (WHO)  websites for recommended vaccinations and malaria prevention for your destination. Review the CDC’s webpage on Choosing a Drug to Prevent Malaria .

Travel Smartly with Prescription Medications

• Bring an ample supply of medication to cover you for your trip, and if possible, a few extra days in case there are delays.
• Carry a letter from the attending physician that describes your medical condition and any prescription medications, including the generic name of prescribed drugs.
• Check with the foreign embassy of the country you are visiting or transiting to make sure your medications are permitted in that country. Some countries require an import license or permit to travel with certain medications.

Being Prepared for a Pandemic

Review the  U.S. Centers for Disease Control and Prevention website for information about pandemics. In a pandemic, virus control measures could affect your travel:

• Travel restrictions may prevent U.S. citizens from traveling internationally.
• Foreign governments may close borders suddenly or with little advance warning.
• Commercial air, land, and sea carriers could suspend some or all transportation services.
• Some countries may quarantine people who appear sick or test positive with the virus.

These developments could delay your travel or your return to the United States.

Other Health Considerations Abroad

• Review the CDC’s Traveler Advice.
• Review Traveling With Disabilities .
• Review Considerations for Older Travelers .

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Out of Your Comfort Zone

The art of backpacking & adventures to get out of your comfort zone – tips and advice, 7 best health insurance plans for us citizens living abroad.

Last Updated on February 23, 2024 by Talita

If you’re relocating or residing overseas, then expat/international health insurance is a must-have! However, with numerous insurance options available, it can be challenging to determine the right choice. Take a look at this article to discover the best options, complete with their advantages and disadvantages, along with tables comparing the key features of each insurance plan.

Living, working, or studying in a foreign country can be an exhilarating experience. You’ll be joining countless individuals who, like you, have the opportunity to explore the world beyond their home countries. However, as you prepare for visa arrangements and schedule vaccinations, there’s one crucial aspect you shouldn’t overlook: expat/international health insurance.

The US healthcare system is complex and consists of various insurance programs and systems. Two of the main government programs are Medicare and Medicaid. Let me explain each of them:

    1. Medicare: Medicare is a government-administered health insurance program in the United States. It was established in 1965 and is primarily intended for individuals aged 65 and older, as well as certain individuals with permanent disabilities or end-stage renal disease. Medicare is funded through tax contributions paid by workers during their working years.

Medicare is divided into several parts:

• Part A: Also known as “Hospital Insurance,” it covers hospitalization, post-hospital care, hospice care, and some home healthcare services.
• Part B: Known as “Medical Insurance,” it covers doctor visits, lab tests, preventive services, durable medical equipment, and other necessary medical services.
• Part C: Also called “Medicare Advantage,” it is a managed health care plan offered by private insurers approved by Medicare. These plans include coverage from Parts A and B, along with additional benefits like prescription drug coverage.
• Part D: It is the Medicare prescription drug plan. It provides coverage for prescription medications, usually through private prescription drug plans, which can be purchased separately or as part of a Medicare Advantage plan.

   2. Medicaid: Medicaid is a jointly funded health care program by the federal government and states, intended for low-income individuals. Eligibility for Medicaid varies based on income and other criteria established by states. States have some flexibility in designing and administering their own Medicaid programs, subject to certain federal requirements.

Medicaid offers a range of health services to low-income individuals and families, including:

• Doctor visits and hospitalization.
• Prescription drugs.
• Emergency care.
• Mental health services.
• Long-term care in institutions or at home.
• Preventive and child health services.

In addition to Medicare and Medicaid, many Americans obtain health insurance through their employers or purchase private insurance on their own. The Affordable Care Act (ACA), also known as Obamacare, implemented in 2010, brought significant changes to the US healthcare system, expanding access to health insurance and establishing minimum requirements for health coverage.

It is worth noting that the US healthcare system is often criticized for being expensive and complex, with high medical treatment costs and disparities in access to healthcare services.

Furthermore, if you decide to live abroad, neither of these two plans will provide coverage for your health under any circumstances.

Your health insurance from back home won’t cover you while you live in another country long-term. And if you aren’t a citizen of the country you will be moving to, you won’t be covered by its public healthcare system.

Table of Contents

• 0.1 What is expat/international health insurance?
• 0.2 Why can’t I just make sure I’m healthy before I leave?
• 0.4 Can I just use travel insurance for healthcare while living abroad?
• 0.5 Difference between travel insurance & expat/international health insurance
• 0.6 Expat/international health insurance for immigration and applying for residence permits/visa
• 0.7 What should I look for in an overseas healthcare plan for expatriates?
• 0.9 Who do these international health insurances work for?
• 0.10   1. Cigna Global
• 0.11     2. IMGlobal
• 0.13.1 What I liked: 
• 0.13.3 What I didn’t like: 
• 0.14      5. Safety Wing
• 0.15      6. Foyer Global Health
• 0.19  
• 0.20    7. Global Underwriters
• 0.21 3 Bonus options for Expat International Insurance plans:
• 1.1    – Seven Corners Liaison Majestic
• 3.1 Do you consider yourself a “global citizen,” or are you a digital nomad and need medical insurance that will follow you worldwide?
• 3.2 A complete table comparing these 7 health insurances for expats…
• 3.3 To sum up…
• 4 Planning your next trip?

What is expat/international health insurance?

International health insurance for expats and immigrants provides coverage for your medical expenses while living in another country for an extended period. Typically, it offers a comprehensive range of healthcare services, including both medical emergencies and preventative care.

It’s important to note that international health insurance is distinct from travel insurance , and skipping it is not advisable.

Why do I need international medical insurance for expats/immigrants and students?

Just like you need health insurance at home, you also need health insurance if you plan on living in another country for more than 6 months. And many countries also require proof of medical insurance before they grant you a visa or work permit (you’ll find more about this in the “expat/international health insurance for immigration” section down below).

Living abroad as an expat, immigrant, or student presents unique healthcare challenges. While you’re away from your home country, it’s important to ensure that you have access to quality healthcare services and financial protection in case of unexpected medical situations.

As an expat or immigrant, you’ll still need to have regular physicals, treat any health issues when they arise, and be prepared for potential health emergencies. Having international medical insurance that works overseas will give you peace of mind and the assurance that you can receive the necessary healthcare you need.

For students studying abroad, international medical insurance is especially crucial. Being in a new environment, you may face different healthcare systems, potential health risks, and the need for ongoing medical support. Having comprehensive coverage will ensure that you can access necessary healthcare services, whether it’s routine check-ups, treatment for illnesses, or emergency medical care.

While some employers may provide healthcare coverage for employees working in another country, this is not always the case. It’s important to check with your employer to find out if they offer an international health plan for you and your family. If not, obtaining your own immigrant/expat insurance plan that mirrors the coverage you had at home is highly recommended.

The good news is that there are international health insurance options available that can be customized to fit your specific needs, whether you are a single traveler or require coverage for your family.

Investing in international medical insurance as an expat, immigrant, or student is a responsible decision that prioritizes your health and well-being while living abroad. It ensures that you are prepared for any healthcare needs that may arise and provides you with the necessary support to navigate the healthcare systems of your host country.

Why can’t I just make sure I’m healthy before I leave?

It’s crucial to see your doctor before departing from your home country. However, it’s equally important to prioritize your well-being while you’re abroad. It’s worth noting that if you have pre-existing conditions or require ongoing medications, they may not be covered in another country.

Furthermore, accidents are an unfortunate reality of life, even while traveling (I once broke my toe in South Korea , and I’ve met fellow travelers who have fallen off their skateboards or experienced food poisoning ). Therefore, ensuring you have appropriate coverage is essential for unforeseen circumstances.

Can I just use travel insurance for healthcare while living abroad?

Typically, travel insurance does not provide adequate coverage for long-term stays in a single country. It is primarily designed for trips that are shorter than 6 months in duration, although there are options available for multiple countries if you are a tourist.

To understand the distinction between travel insurance and expat vs international health insurance, let’s delve into further details below.

Difference between travel insurance & expat/international health insurance

Travel insurance:

• It is intended for individuals who are visiting as tourists or traveling temporarily, rather than those who are residing in a new country.
• T ypically provides coverage for medical emergencies that occur abroad, but often excludes basic preventative care.
• May also offer coverage for incidents such as lost baggage and trip cancellations , depending on the specific policy.
• In certain regions, like the European Schengen Area , travel insurance may be mandatory for entry. To gain further insights into travel insurance, we recommend reading our article featuring the top three affordable travel insurance companies .

Expat/international/immigrant/overseas health insurance:

• It is designed for individuals who are relocating or residing long-term in another country.
• Functions similarly to your regular insurance coverage in your home country.
• Provides coverage beyond emergency medical care, including preventative care, dental, and vision services.
• Can encompass a range of services such as pregnancy, cancer treatment, or mental health care, depending on the specific plans available.
• Often a prerequisite for visa applications or obtaining resident permits.
• You can renew it continuously as long as you remain overseas.
• Having international health insurance that offers ongoing coverage is crucial for individuals seeking permanent relocation abroad.

Expat/international health insurance for immigration and applying for residence permits/visa

In the majority of countries, it is a requirement to demonstrate coverage under an international health insurance plan in order to obtain a temporary or permanent resident visa. It’s important to note that travel insurance alone is typically not accepted for this purpose.

Given the complexities often associated with immigration procedures, it is crucial to ensure that the expat/international health insurance policy you are purchasing meets the specific requirements of the immigration office in the country you intend to move to. You may be able to find this information online, but if not, it is advisable to directly contact the immigration office for clarification.

Personal experience using expat/international health insurance for immigration in Sweden (hint: it’s not always easy): When Nikki relocated from the United States to Sweden , she encountered the requirement of providing proof of international health insurance to the immigration authorities in order to obtain her temporary residence permit. She purchased a policy from one of the companies listed below, and it was accepted by immigration.

However, when she proceeded to apply for her tax identification number through the Swedish tax office, she faced a situation where the same insurance policy was not deemed acceptable, and she had to acquire a new policy from a different company.

If you anticipate encountering a similar issue, it is essential to thoroughly investigate the cancellation policies of each insurance company. By doing so, even if your current plan is rejected by immigration, you can minimize financial loss by canceling your existing policy and obtaining a new one.

What should I look for in an overseas healthcare plan for expatriates?

While the plan you choose will depend on the kind of coverage you need while you live as an immigrant/expat, here are some of the basic things they should include:

• Adequate yearly benefit maximums
• Flexibility in plans and prices
• Wellness care and emergency care
• Inpatient and outpatient hospital visits
• A large network of doctors and medical facilities to choose from
• Multilingual and 24/7 customer service

Below, we have provided a comparison of our top three recommended expat/immigration insurance options for your convenience. All these options offer fundamental coverage for inpatient care, routine doctor’s visits, emergency evacuations, and round-the-clock customer service.

Please note that additional coverage for dental and vision services will incur extra costs. If you are pregnant or planning to start a family while residing in another country, you may need to opt for the more expensive plans to ensure adequate coverage.

It is important to keep in mind that the lower the cost of the insurance plan, the less coverage it typically provides.

Therefore, conducting thorough research is essential to identify the ideal plan that suits your specific needs.

Who do these international health insurances work for?

For these citizens living abroad as expats or immigrants:

• Australians
• Argentinians
• New Zealanders

And for citizens from almost every other country living abroad

For expats/immigrants living in:

• The United States
• France (European Union/Schengen Area as a whole)
• United Kingdom
• China (and Hong Kong)
• Switzerland

And for expats living in almost any other country in the world

In other words, no matter your citizenship or which country you are moving to, most of these international health plans will work for you since they are truly global insurances.

Some questions to ask yourself before you buy expat/international medical insurance:

• Do you need a private room if you’re admitted to a hospital?
• Are you planning on starting a family or expanding your family?
• Do you have any pre-existing conditions or are you on any medications you need to continue while living in another country?
• Are you willing to pay a higher deductible for lower premiums?

Note:  If you aren’t really an expat/immigrant but an international student at a school or college/university overseas, then I suggest you take a look at my article with the 3 Best and Cheapest Health Insurance for International Students and Exchanges/Study Abroad .

  1. Cigna Global

What I like:

• You have a choice of three plans: Silver, Gold, and Platinum.
• The Silver plan provides basic coverage, including $100 for eye care annually and certain cancer screenings.
• If needed, you can customize your plan to include outpatient coverage and emergency medical evacuation for treatment outside the country.
• Flexible deductibles are available, allowing you to have control over upfront payments.
• Customer service is provided 24/7 in multiple languages.
• Payment options include monthly, quarterly, or yearly.
• Direct provider billing ensures that Cigna pays for your appointments directly. Middle Eastern medical coverage is included.
• The plans offer services for organ transplants and kidney dialysis treatments.
• This international health insurance has received positive reviews.
• Their website provides information about the finance system, culture, and schools of your host country.

What I didn’t like:

• Before obtaining a quote, you will be required to provide substantial personal information.
• It’s important to note that the basic plan does not include coverage for maternity care. Therefore, if you intend to have a baby while residing abroad, you will need to purchase a more expensive policy.

    2. IMGlobal

IMG offers a range of insurance options, including travel insurance, health insurance for students, insurance for crew members, and, of course, insurance specifically designed for expatriates. If you are searching on their website, be sure to look for their “Expat / Global Citizen” health insurance category.

• They provide a selection of 5 plans for you to consider.
• By opting for their facilities outside of the U.S., they offer a cash incentive and can waive up to 50% of your deductible.
• With over 29 years of experience in providing health insurance coverage for immigrants and expatriates, they possess extensive expertise in the field.
• Their website offers an online portal, granting you 24/7 access to emergency medical services.
• Their network encompasses 17,000 physicians and facilities worldwide.
• Direct billing services are available.
• They offer both annual international health insurance plans and short-term plans.
• Coverage is provided for individuals and families of all nationalities.
• For their Bronze package, 12-month worldwide coverage with a $250 deductible could cost less than $1000 annually.

Coverage ceases at the age of 75 (however, if you secure a plan before turning 65 and maintain it, you can participate in their lifetime enrollment program).

The basic plan does not provide coverage for maternity care, and even their most expensive plan only includes coverage for deliveries and newborn care after a minimum enrollment period of 10 months.

The company treats COVID-19 as they would any other illness or injury, adhering to the terms and conditions outlined in the policy.

   3.  GeoBlue

GeoBlue is a highly recommended insurance option for expatriates, making it an ideal choice for both residents and visitors in the United States. With its exceptional quality standards and a prominent position in the industry, GeoBlue stands among the top leaders in its category.

• GeoBlue offers an exemplary service that surpasses the highest quality standards.
• Their flexible Xplorer plan is specifically crafted for expatriates and foreign nationals residing in the US, as well as US citizens living in other countries. It provides remarkable flexibility to cater to their unique needs.
• With the Xplorer plan, you won’t have to pay any deductible for standard services, and there is an unlimited medical cap, ensuring comprehensive coverage.
• The Xplorer plan also extends coverage to include extreme sports activities, and there are no cancellation fees associated with it.
• For added convenience, optional dental and vision coverage options are available to enhance your plan.
• GeoBlue offers a range of plans to choose from, allowing you to select the one that best fits your requirements.
• Their customer service operates round the clock, providing assistance 24 hours a day, 7 days a week.
• Their plans offer full coverage, encompassing essential services like evacuation, health consultations, and maternity care.

What I didn’t like: 

• GeoBlue’s insurance plans are not accessible for residents of New York and Washington states.
• To obtain pricing information, it is necessary to get in touch with a broker.

GeoBlue provides a valuable benefit of unlimited telemedicine consultations at no cost for plan members who have inquiries related to Covid-19. Additionally, if recommended by a physician, the company covers the costs of clinical testing and treatment for Covid-19.

Allianz, a prominent German insurance company, is undeniably one of the largest players in the global insurance industry. Therefore, it would be remiss not to include them in our discussion of international health insurance companies.

Here are a few of the things that I appreciate and didn’t like about Allianz. 

What I liked: 

• Allianz provides round-the-clock international customer support, ensuring assistance whenever you need it.
• In many cases, you won’t have to handle payments directly with healthcare providers as Allianz takes care of settling the bills on your behalf. This eliminates the need for reimbursement requests.
• Allianz offers comprehensive coverage across all continents and the majority of countries worldwide, ensuring you are protected wherever you may be.
• As part of their services, you gain access to a medical app that aids in the prevention and treatment of health issues. After 6 months of your contract, you can utilize the app, and expenses of up to €50 are covered.
• Allianz goes beyond just medical care with a specialized program designed specifically for expats and immigrants. This program provides assistance in various aspects beyond healthcare, including guidance on independent living, managing family needs, and navigating the specific challenges of living in a new country.
• Allianz don’t have many options for plans.

      5. Safety Wing

Safety Wing is a prominent provider of international health insurance, catering to a diverse range of individuals such as students, digital nomads, and expats. Their website offers a user-friendly interface, allowing you to easily obtain a quote for their plans based on factors such as your age, duration of stay, and the countries you will be covered in.

What I like: 

• As mentioned earlier, their website is incredibly user-friendly and allows for swift quote generation. Safety Wing provides comprehensive coverage for expats, including coverage for COVID-19. The company ensures transparency by clearly outlining the coverage details of each plan.
• Additionally, they offer the option to enhance your plan with additional services such as dental care, maternity care, deductible expenses, physical therapy, and access to a family doctor. Safety Wing goes the extra mile by providing coverage of up to $10,000 USD for repatriation following a political evacuation.
• In cases where you receive treatment in a public hospital without fees or when the treatment is covered by another insurance, Safety Wing provides payment assistance of US $125 per night for a maximum of 30 nights. They also offer comprehensive coverage and reimbursement for cancer treatments and reconstructive surgeries.
• Families with children under the age of 10 can benefit from inclusive insurance coverage at no additional cost. Moreover, Safety Wing ensures round-the-clock customer support, available worldwide.
• To add to their extensive coverage, Safety Wing permits visits to your home country for up to 30 days within every 90-day period.
• The coverage for United States, Hong Kong, and Singapore has quite high fees 
• You need to create a login and fill out a lot of information before getting a quote 
• Quotes don’t show all fees 

Safety Wing also covers COVID-19 in their expat insurance plans. And as of August 1st, 2020, this coverage is available for their nomad plans. 

However, COVID-19 tests are only covered when they are deemed necessary by a doctor. Antibody tests, on the other hand, are never covered as they are not medically necessary.

     6. Foyer Global Health

Global Health, a subsidiary of the Foyer Group, is a prominent European enterprise offering a wide range of insurance options. They specialize in various types of coverage, including travel insurance, expat insurance, and student insurance. With their strong reputation and extensive experience, Global Health stands as a reliable and trusted company in the insurance industry. Moreover, they are known for their extensive selection of personalized plans, allowing individuals to find the coverage that best suits their specific needs.

• You have the flexibility to customize your insurance coverage based on factors such as your age, country of origin, dental care, vision care, maternity and child care, and more. With Global Health, you have the freedom to choose the desired level of coverage for each of these areas, ranging from zero to maximum coverage.
• Whether you are an individual, a family without children, or a family with children, Global Health offers insurance options tailored to your specific needs.
• Even if you do not have health insurance in the United States, you will still be covered for emergencies while you are on American soil.
• In addition to the aforementioned personalization, you can select from three distinct plan options: ESSENTIAL, SPECIAL, and EXCLUSIVE, each offering different levels of coverage.
• Obtaining a quote is quick and easy, requiring only minimal personal information.
• There are deductible options available, allowing you to choose a plan that aligns with your financial preferences.
• If you are planning a short-term stay in another country, Global Health provides short-term plans to accommodate your needs.
• To assist you in making an informed decision, Global Health allows for plan comparisons, enabling you to evaluate and choose the option that best suits your requirements.
• With coverage options available for expats throughout Europe, Global Health ensures that expatriates across the continent have access to comprehensive health insurance.
• The basic plans offered by Global Health have limited coverage and may exclude important services like maternity care and newborn care.
• While the customer service provided by Global Health is functional, it may not be as user-friendly or straightforward compared to other companies on this list.
• The clarity of coverage details and limits on the Global Health website could be improved, making it more challenging to understand what is covered and what is not.
• Although the Global Health website contains information about coronavirus, it is unclear whether their plans specifically cover COVID-19 tests or complications.
• It is worth noting that Global Health charges a 5 euro fee for emergency support, which is an additional cost to consider.

   7. Global Underwriters

Global Underwriters is a reputable insurance provider that offers excellent options for expatriates and immigrants. With years of experience in the industry, they specialize in providing tailored plans for travelers worldwide.

For expatriates, Global Underwriters offers two standout plans: Diplomat Long Term and Diplomat International. These comprehensive plans are specifically designed to meet the needs of individuals residing in foreign countries, providing extensive coverage and peace of mind.

• Global Underwriters’ plans include essential features such as medical evacuations, repatriation of remains, and emergency dental coverage. With generous benefits, you can receive up to $1,000,000 in coverage for medical expenses as well as accidental death or dismemberment.
• In addition, Global Underwriters provides support in the event of trip interruptions due to health issues and offers assistance for lost luggage, ensuring a seamless and worry-free travel experience.
• The Diplomat Long Term plan does not serve citizens residing in New York, Maryland, South Dakota, as well as residents of Australia and Iran
• The Diplomat Long Term plan does not cover travel to Cuba, Iran and Afghanistan
• The Diplomat International plan does not cover care for Covid-19

3 Bonus options for Expat International Insurance plans:

As the name suggests, Now Health International’s objective is to provide a streamlined, cost-effective, and readily available service, and there’s no better time than the present for it.

Consequently, the primary emphasis of this company revolves around the customer connection. Plan details are communicated clearly and efficiently, and any potential questions or concerns are promptly addressed by the company’s dedicated customer support team.

Now Health plans are meticulously crafted to address the everyday obstacles faced by individuals residing overseas, delivering guidance and ensuring top-notch healthcare worldwide.

• Customized plans according to your needs
• Clear information and excellent customer service team
• Provides coverage in 194 countries and territories
• Plans with high coverage routine maternity coverage

What I don’t like:

• You must wait a 12-month grace period to use maternity coverage.
• In some procedures, it is necessary to use the company’s reimbursement system, which means that you would have to pay for your care initially

Get your Now Health quote he re

   – seven corners liaison majestic.

As with IMG, Seven Corners also has medical insurance for travelers, students, faculty,  and others. 

• With a strong 20-year track record in the industry, Global Underwriters is a trusted provider of international health insurance solutions. Their comprehensive plans include coverage for pre-existing conditions, ensuring peace of mind for individuals with ongoing health needs.
• Moreover, Global Underwriters goes the extra mile by assisting you in locating embassies and providing travel advisories, ensuring your safety and well-being while abroad. Their 24/7 multilingual travel assistance guarantees prompt support whenever you need it.
• Global Underwriters’ plans offer extensive coverage, including inpatient and outpatient care, dental services, emergency evacuation, and emergency reunion, allowing a loved one to be by your side during hospitalization. For adventure enthusiasts, they even offer a hazardous sports rider that covers activities such as hang gliding, zip-lining, water skiing, and bungee jumping.
• If you’re seeking affordable coverage, Global Underwriters’ basic plans are attractively priced. For instance, a single male relocating to Fiji can obtain a basic plan with a $250 deductible for approximately $1 per day.

• You can’t get a plan if your U.S. address is in Maryland, Washington, New York, South Dakota or Colorado
• Can’t get coverage if you’re above 60 years old
• They don’t provide coverage in if you’re going to Iran, Syria, U.S. Virgin Islands, Gambia, Ghana, Nigeria, or Sierra Leone
• You need to have precertification for certain services like inpatient stays, rehab, and outpatient surgeries, and home healthcare

    –  Aetna (acquired by Allianz)

Aetna is a customer-centric company dedicated to offering services that align with the specific needs of individuals. With a focus on meeting the diverse requirements of expatriates and citizens residing in different countries worldwide, Aetna offers a range of customized plans.

By understanding the unique circumstances of their customers, Aetna ensures that their plans are designed to provide comprehensive coverage and meet the specific healthcare needs of individuals living abroad.

• Aetna is a reputable company with a rich history spanning over 50 years. They specialize in providing tailored insurance plans for expatriates and digital nomads , ensuring that their unique needs are met.
• With their commitment to customer service, Aetna offers round-the-clock support, available 24/7. Their comprehensive plans typically include extensive coverage for hospitalization, emergency evacuation, repatriation, and cancer treatment, providing individuals with peace of mind.
• Recognized for their excellence, Aetna has received prestigious awards such as “Best International Private Health Insurance Provider” and “Health Insurer of the Year.” They have also developed a user-friendly mobile application that allows individuals to monitor their health and earn rewards points by practicing healthy habits. These points can be redeemed for gift cards at popular stores.
• Aetna extends their coverage to expatriates and foreign residents in over 15 countries and territories worldwide, ensuring a wide reach and accessibility for individuals seeking reliable international health insurance.
• They do not offer travel insurance plans for solo travelers or families
• Website could be more clear and intuitive when presenting available plans

Aetna International fully covers the cost of Covid-19 treatment and testing for members of some of its plans, such as Medicare. To find out which plans are covered, you need to contact the company.

Do you consider yourself a “global citizen,” or are you a digital nomad and need medical insurance that will follow you worldwide?

To provide a quick summary and facilitate comparison, here are the key features of the seven international health insurance plans:

A complete table comparing these 7 health insurances for expats…

Worldwide Medical Insurance / Comparison Chart*

Part of the table courtesy of Tokio Marine HCC

*Note: this table is just for informational purposes and subject to change. It was accurate as of the time we wrote it here, but please check each company’s individual website for updated info.

To sum up…

These are the 7 best international health insurance for expats and immigrants:

• Safety Wing
• Foyer Global Health
• Global Underwriters

In conclusion…

In essence, acquiring an immigrant/expat health insurance plan is essential when you’re planning to reside in another country, whether temporarily or permanently.

We understand that selecting the appropriate plan can be daunting. Having personally experienced this process, we empathize with any concerns or queries you may have. Please feel free to leave a comment below if you require any assistance or if you believe there are any aspects we may have overlooked. We’re here to help!

Do you live abroad and need to receive or send money back home cheaply?

I have a specific article to help you make international transfers as cheaply as possible: The 5 Best Websites for International Money Transfers (send and receive money from abroad) .

Planning your next trip?

 Already reserved your hotel or hostel? If not, our article with The 6 Best and Cheapest Websites to Find & Reserve Accommodation can help you out. You’ll also find some promotions and discount codes .

 Still haven’t booked your plane ticket and want to save big? Take a look at our page with 16 Tips to Save on Flights where you’ll also find the 4 best websites to buy your plane tickets. 

And finally, will you need to rent a car during your trip? Then surely our page with The 5 Best and Cheapest Websites to Compare and Rent Cars Around the World will help you choose the best rental car and find a good deal.

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Global Life Coverage for International Citizens

International life insurance covers individuals who live or work in multiple countries or have an international lifestyle. Insurers tailor these plans to the needs of expatriates, frequent travelers, and individuals with global connections. It is no different than a life plan you would purchase in your home country, wherein the policy is a contract between you and the insurer. On your end, you pay regular premiums, and in exchange, the insurance company will pay the sum insured to your beneficiary when you pass away.

The unique aspect of an international life insurance policy is that it provides coverage wherever you are in the world . Expatriate policyholders of a global life plan have peace of mind knowing that if they die overseas, their beneficiary (or beneficiaries) will still receive a death benefit.

If you are planning a move abroad and already have a life insurance policy, reviewing the policy wording before you move is essential . An exclusion on death overseas could revoke the insurer's obligation to pay your death benefit. Suppose your current policy does have a death exclusion. In that case, we highly recommend purchasing an international plan to ensure the protection of your family in the event of your death.

Secure your family's future today!

Get a free quote and protect what matters most.

Key Benefits of Global Life Insurance

Global coverage.

International life insurance policies offer worldwide coverage, ensuring that the death benefit is paid to beneficiaries even if the insured person passes away abroad.

Coverage Options

Expatriates can choose from various coverage options, including term life, whole life, and annually renewable life plans.

Flexibility

Policyholders have the opportunity to pay premiums in various currencies and increase or decrease their level of coverage.

Portability

International life policies are portable, allowing policyholders to maintain coverage if they change countries or move frequently.

The Different Types of Global Life Insurance

Expatriates typically have two options to choose from when considering purchasing an international policy. Of the two, term life plans are most popular among expats and global travelers because of the economical premiums and flexible coverage terms.

Whole life insurance plans are also available. These plans provide lifetime coverage and a guaranteed death benefit. Expatriates who are more concerned about their health changing and fear they will not be eligible for a policy in the future tend to purchase a whole life plan over a term life plan.

Already have life insurance? Read our article, The Importance of a Life Insurance Review for Expats , to learn why you might need an international life insurance plan.

Term life insurance is a straightforward and relatively simple type of policy with level premiums and a consistent death benefit. Coverage durations typically range from 5 to 30 years, and when the term concludes, the policy expires. Most term life plans are not renewable, so if you require further coverage after your term ends, you will need to purchase a new policy. Our providers, Unisure and William Russell, both offer an annually renewable plan. So, continue reading to learn more!

The sum insured, or death benefit, is only paid to the beneficiary if the life insured dies while covered under a term life plan. If the life insured is still living after their coverage term ends, no death benefit or premiums paid are returned.

Whole life insurance is a type of permanent life insurance that provides coverage for the entire lifetime of the policyholder. As long as the policyholder continues to pay the premiums, the coverage remains in force until the policyholder's death. While whole life insurance plans tend to be more expensive than term life insurance plans, they offer the peace of mind that the death benefit is guaranteed to be paid out to the beneficiaries when the policyholder passes away.

This permanence and financial security are some of the key advantages of whole life insurance, making it a popular choice for individuals who want lifelong coverage and value the certainty of a death benefit payout.

How Much Life Insurance Do You Need?

Determining how much life insurance you need depends on your individual financial circumstances, responsibilities, and goals. Estimate, if you were to die today, what your family would need to meet immediate, ongoing, and future financial obligations. There's no one-size-fits-all answer, but here are some factors to consider when calculating your life insurance needs.

Immediate Cash Needs

• Funeral Costs
• Medical Bills
• Estate Duties

Ongoing Cash Needs

Future cash needs.

• Tertiary Education
• Spouse Retirement

Helpful Calculation Tip

While calculating how much life insurance you should purchase, consider what resources you already have in place. For example, your spouse's income, savings, investments, and any life insurance plans you already have. The difference between these is your life insurance gap.

How are International Life Insurance Premiums Calculated?

Premiums are calculated based on several factors, similar to how domestic life plan premiums are determined. These factors help providers assess the risk associated with insuring an individual living abroad and provide a fair premium amount. Some of the key factors that influence the calculation of premiums are age, nationality and residence country, coverage amount and term length, lifestyle habits, such as smoking, and whether you include additional riders or not.

We created some helpful examples based on expatriates who have purchased an international policy. See below!

Ben E. Ficiary, a 28-year-old U.S. citizen, is moving to France for a job opportunity and plans to travel around Europe.

He purchased a 30-year term life plan with a $250,000 death benefit and AD rider. Each month, Ben will pay $39.78 .

Ann Uity is 35 years old and married with two young kids. Her family is moving from Spain to Thailand for 5 years to experience a new lifestyle.

Ann purchased a 5-year term life plan with a $1M death benefit. Each month, Ann will pay $74.66 .

Bill and Sara N. Surance are 65-year-old Irish citizens retiring overseas in Panama. They purchased a yearly renewable joint life plan.

For a $100,000 death benefit policy, Bill and Sara will pay $49.71 per month for the first year.

Our Life Insurance Providers

Our partners, William Russell and Unisure  are two distinguished life insurers known for their commitment to offering comprehensive and reliable solutions to individuals and families worldwide. With a rich history and a strong reputation for excellence in the insurance industry, both companies have a common goal: to provide peace of mind and financial security to their clients.

Unisure Global

Unisure is a leading provider in the international life insurance industry. All Unisure life policies are primarily reinsured by Scor, the world's 4th largest reinsurance company and the largest in the United States. Scor is rated A+ by Standard and Poor's and A1 by Moody's, meaning they have a strong capacity to meet its financial commitments.

Unisure's most popular plan among expatriates is its Term Life plan. Unisure also offers Decreasing Term, Life or Critical Illness, Whole Life, and an annually renewable life insurance plan called Global Protector.

Additional rider benefits can be included in individual life plans. Unisure offers an Accidental Death benefit rider and a Waiver of Premium benefit rider.

If you are interested in an international life policy from Unisure, click the Get a Quote button below, and our life insurance representative will generate an accurate quote for you.

Interested in Unisure's Term Life Insurance plan?

Request a free quote and get the coverage your family deserves!

William Russell

William Russell is also a leading provider in the international life insurance industry, as well as the international health insurance industry. They are an excellent choice for expatriates looking to purchase both life and health, as the plans can be included in one policy.

William Russell's Personal Protection plan is an annually renewable term life plan. Applicants have the option to include an Accidental Death benefit rider and an Income Protection benefit rider. The Income Protection rider can also be purchased as a separate policy by those looking to protect themselves in case of short or long-term disability while abroad.

If you are interested in William Russell's Personal Protection plan, click the Get a Quote button below, and our life insurance representative will generate an accurate quote for you.

Interested in William Russell's Personal Protection plan?

Be proactive about your family's well-being and get a free life insurance quote from William Russell today!

International Life Insurance for Groups and Employers

An international group life insurance policy is an enticing incentive to attract and retain your top employees, a particularly valuable offering for a global workforce that might not have access to the full array of benefits provided to local staff. Your team will undoubtedly value the supplementary advantages, encompassing:

Primary Advantages of the International Group Life Insurance Program

• A choice of Whole and Term Life options
• Tailored to meet the unique needs of international employees, remote teams, and expatriates
• Comprehensive coverage for both illness and accident-related fatalities
• Flexible terms ranging from one to 25 years or more
• Global protection that transcends borders and boundaries

Global Benefits for Organizations

• Offering group plans for international health, life and travel
• Request a quote from the leading insurers around the globe
• A licensed agent will provide quotes and expert advice

FAQs about International Life Insurance

What is international life insurance.

International life insurance provides coverage and financial protection to individuals who live or work in a foreign country or have ties to multiple countries. This insurance is designed to offer policyholders and their beneficiaries financial security in the event of the insured individual's death, regardless of where that event may occur globally.

International life insurance can be tailored to meet the unique needs of expatriates, global travelers, and individuals with international connections. It can help cover expenses such as repatriation, estate planning, and maintaining a consistent standard of living for beneficiaries.

Why might I need international life insurance?

Expatriates and global travelers might need international life insurance if their domestic life insurance plan does not provide coverage for death abroad. International life insurance ensures that loved ones are financially protected, regardless of the life insured's location.

It's important to work with an experienced insurance advisor or financial planner when considering international life insurance, as the specific needs and circumstances can vary greatly from person to person. If you want to procure a plan, click here for a free quote!

What types of international life insurance are available?

Insurers offer various types of policies designed to meet the diverse needs of individuals with international lifestyles. These policies are tailored to provide financial protection and peace of mind for people who live, work, or have financial interests in multiple countries.

Common options include global term life, whole life, and renewable term life insurance.

How do premium payments work for international life insurance?

Policyholders have the option to pay for their international life insurance policy monthly, quarterly, semi-annually, or annually. They also have the option to pay in USD, EUR, or GBP. The selected premium currency is typically the same currency as the policy's death benefit.

It's essential to read and understand the terms and conditions of your international life insurance policy regarding premium payments. Consistently paying premiums on time is crucial to maintaining coverage and ensuring that your loved ones receive the intended benefits in the event of your passing.

What happens if I move to a new country after purchasing an international life insurance policy?

Your international life insurance policy should generally remain in force as long as you continue to pay your premiums, regardless of where you live.

It's crucial to inform your insurer about changes in your country of residence. They need to be aware of your change in residence to ensure your policy remains in compliance with local regulations and to make any necessary adjustments to your coverage.

Can I name a beneficiary who lives in a different country as me?

Yes, you can name beneficiaries in different countries. The life insurance company will pay the death benefit to your beneficiary or beneficiaries in the country that they are currently living in.

Insurers do not tax the death benefit upon payout to a beneficiary. It is important to be aware that different countries have specific legal and tax implications regarding the payment of the death benefit.

Are there tax implications for international life insurance?

Tax treatment of international life insurance death benefits can vary depending on the country that your beneficiary or beneficiaries are living in at the time of your death. The life insurance company will not tax the sum insured at the time of payout.

Consult with legal and tax advisors located in your country of residence to understand any relevant laws and tax obligations that may apply.

More to Read:

The Importance of a Life Insurance Review for Expats

Group Global Benefits and Insurance

Life Insurance for Foreigners in the US

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• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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Thursday 2 May 2024 10:46, UK

• New ISA rules were supposed to help savers - right now they've just made everything more complicated
• Why you shouldn't buy a TV in May (or a mobile phone in October)
• Key dates for Spotify customers, energy bills, free childcare and interest rates in May

Essential reads

• How to nab yourself a free upgrade on a flight
• You're probably washing and storing your clothes wrong. Here's what you should do instead
• State pensions 'could be in doubt for future generations'
• One of UK's top chefs reveals best Cheap Eats in Norfolk - and cling film tip for amazing veg
• Money Problem : 'Builders won't repair dodgy work - what are my rights?'
• '£2,000 landed in my account' - The people who say they're manifesting riches

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One of the world's leading economic authorities has warned the UK that borrowing should remain expensive until the rate of price rises eases further and stays there.

Interest rates, which are at a  post-2008-era high of 5.25% , should stay there, according to the Organisation for Economic Co-operation and Development (OECD).

"The fiscal and monetary policy mix is adequately restrictive and should remain so until inflation returns durably to target," the OECD's economic outlook for 2024 said.

It's an endorsement for the approach of the  Bank of England  whose statements on inflation have not indicated an imminent rate cut.

It may not come as a surprise, but the prices of a whole range of items fluctuate throughout the year. 

It isn't always easy figuring out what is best to buy when - but a price comparison website has dug into the numbers.

PriceSpy has analysed its price history data to help direct shoppers to the best time of year to buy common, popular products.

This table should help:

Its analysis shows June is a great month to get yourself a lawn mower but if you're after a barbecue, you're best off waiting until December. 

Organised parents can take advantage of LEGO price drops in September for Christmas presents. 

PriceSpy estimates consumers can save more than £800 on the "peak pricing premium" by following its advice. 

Following our feature on how assigning a lasting power of attorney may be more important than drawing up a will, a Money reader got in touch with a query...

As a married couple of 53 years, all our accounts are in joint names - so do we need lasting power of attorney? Thank you! David

We asked Joanna Grewer, partner at Roythornes Solicitors, to respond: "If you have accounts in joint names then the account can be accessed by the person who has capacity. 

"However, this won't entitle the capacitous person to deal with any of the income which comes into that account for the non- capacitous person, such as pensions, or to manage any outgoings in that person's name. 

"If both parties lost capacity, then there would be no access to funds at all."

This feature is not intended as financial advice - the aim is to give an overview of the things you should think about. Submit your dilemma or consumer dispute, leaving your name and where in the country you are, by emailing [email protected] with the subject line "Money blog". Alternatively, WhatsApp us  here .

By James Sillars , business reporter

Another cent has come off oil costs over the past 24 hours - hopefully signalling better news for drivers ahead.

A barrel of Brent crude is currently costing just over $84 and had been trading at $83 in Asian trading.

It had stood above $90 a month ago as the crisis in the Middle East played out.

Evidence of a cooling in tensions between Israel and Iran have assisted the downwards trend.

The FTSE 100 began the day by erasing the losses seen on Wednesday.

A solid set of results for Shell helped the index climb by 0.3% in early deals...

Shell shares were more than 1% higher on the back of better than expected profits.

It revealed further shareholder awards in the form of a dividend and share buyback.

Online gamblers who lose £500 a month or more will face financial vulnerability checks.

Checks will come into force from 30 August.

The figure will reduce to £150 a month from 28 February next year.

The Gambling Commission said this would help identify acutely financially vulnerable online customers, such as those subject to bankruptcy orders or with a history of unpaid debts.

The checks will only use publicly available data and will not  require gambling operators to consider an individual's personal details such as postcode or job title.

As well as light touch checks, the commission said a pilot of enhanced assessments would go ahead, aimed at preventing cases where customers are able to spend large amounts in a short time without any checks, resulting in significant gambling harm.

It's not uncommon to feel uncomfortable with flying - but we'd probably all feel a bit better if we were sitting in first class, wouldn't we? 

The lucky few might be able to pay for themselves, but for the rest of us, frequent flyer experts Flight Hacks have shared their top tips to get a free upgrade (and you can let us know your tips for getting upgrades in the comments box above)...

Stay loyal to one airline

Many airlines have a rewards scheme that offers free upgrades, early check-in and even free flights to loyal customers. 

One research survey found 80% of staff said a customer in the airline's frequent flier scheme would be more likely to receive a free upgrade.

Plus, getting early check-in could place you first in line to secure a seat in the plane's front section.

Travel alone or during quieter times

Let's face it, a single person on an empty flight is much more likely to get an upgrade than a family of six on a booked-out plane. 

Try flying in the middle of the week or at off-peak times to get a quieter plane. 

Dress to impress 

If you're dressed smartly and look like a frequent flier, this can boost your chances of getting an upgrade. 

Business travellers are an airline's favourite type of passenger as they fly regularly and are more likely to spend freely on their company cards - so it could be worth dressing in business attire. 

Don't be afraid to ask

It doesn't hurt just to enquire, as long as you're polite. 

Be flexible

Airlines will frequently overbook flights to compensate for no-shows and ensure the planes are full. 

If there aren't enough seats after everyone checks in, they will often offer incentives to passengers willing to switch to a later flight.

This can mean seat upgrades or cash incentives. 

Take advantage of special occasions

If it's your birthday, honeymoon or a special anniversary, it could be worth casually dropping this into conversation with the check-in staff. 

Be polite when checking in

Perhaps all of these tips should be caveated with the need to remain polite. 

As there is often no strict criteria on how airline staff may choose to give out free upgrades, the number one tip is to be nice. 

Travel expert Immanuel Debeer, from Flight Hacks, says "being respectful and friendly is by far the best way to increase your chances of an upgrade". 

"There are plenty of simple tricks to increase your chances of getting an upgrade, but the most important thing to remember is that airline staff are human."

Every Thursday Savings Champion founder Anna Bowes  gives us an insight into the savings market and how to make the most of your money. Today she's focusing on  ISAs after new rules came in last month. ...

New ISA rules were introduced from 6 April that should make opening and funding ISAs simpler. But what many people may not realise is that ISA providers do not need to implement most of the new rules – and many haven't yet, or may have no intention of doing so.

As a result, savers have been left scratching their heads, unsure if their ISA provider will allow them to make use of the rules or not.

What are the key new rules?

Harmonise ISAs to those over 18:  This is not an optional change. The minimum opening age for adult cash ISAs is now 18, so not good news for those aged 16 and 17 who previously could have funded a junior ISA and an adult cash ISA.

Allowing multiple ISA subscriptions:  People should now be allowed to open and pay into multiple ISAs of the same type in a single tax year. Previously people could only pay into one of each type of ISA every tax year, unless their ISA provider offered what we called "portfolio ISAs". 

A portfolio ISA (other names for this have been used such as "ISA wallet" with Paragon Bank) allows savers to open more than one cash ISA with the same provider in the same tax year - but only a small number of providers offer it, such as Paragon, Aldermore and Charter Savings Bank, Nationwide and Ford Money.

With the new rules, savers assume they can open more than one ISA with either more than one provider or with the same provider. However, our research has shown that while many providers will allow you to open another cash ISA with them if you have already opened and funded an ISA with someone else in the current tax year, this doesn't mean they have adopted the portfolio ISA rule – so you may not be able to open two ISAs with them.

Partial transfers allowed:  Partial transfers of ISA funds for the current tax year should be allowed, rather than being forced to transfer the whole amount of your current tax year ISA. Previously you could only make a partial transfer of old ISAs; you'd have to transfer the current tax year's ISA entirely. 

Once again not many have adopted this rule yet.

The bottom line

So, while in theory these new changes should have made ISAs more flexible, in reality they have added an extra complication for savers and the bottom line is that you need to ask your existing and potential ISA providers about which of the rules they have adopted or are looking to adopt.

The pet supply retailer has opened two convenience stores in a move to branch out from its typical retail park sites. 

The stores, which are in Sutton, south London, and Whetstone, north London, will sell a range of pet owner essentials and offer an advice counter. 

They are much smaller than the usual Pets at Home stores and will not have the typical vet and grooming services. 

Speaking to Retail Week, the chain did not confirm whether it would be opening more high street stores in the future. 

Pets at Home Sutton store manager Rachel Etherington told the news outlet the location would "allows us to provide pet owners with convenient access to all their pet care essentials, as well as expert advice from our specially trained colleagues, right on their doorstep". 

The Fed has issued its latest policy statement, announcing it will keep interest rates at the same level. 

It did note inflation has eased over the past year, and it is still leaning towards eventual reductions in borrowing costs. 

However, it pointed to recent disappointing inflation readings, suggesting moves towards more balance in the economy had stalled. 

If you're wondering why we're telling you this, it's because there is a link between the Fed's interest rate and the Bank of England's base rate. 

The interplay between the two can affect the value of the pound and currency alternatives such a gold.

Market expectations for the UK base rate are often heavily influenced by what's going on in the US. 

Untreated sewage was released into designated shellfish waters for 192,000 hours last year, new research has found.

The hours of sewage dumping were spread across 23,000 separate incidents.

Some fishing waters in Cornwall were forced to close last year after high levels of e.coli were found in oysters and mussels, and norovirus can also be transported via human waste.

Read the full story here ...

Shares in luxury carmaker Aston Martin have plummeted as much as 14% today after it announced bigger than expected losses. 

Aston Martin revealed adjusted pre-tax losses of £111m for the first three months of the year, compared with £57m a year earlier. 

Analysts had expected a loss of £93m. 

The losses were due to higher finance costs and the timings of its car launches.

B&Q is introducing plastic plant pot recycling stations at more than 100 of its stores across the UK. 

Customers will be able to drop off their unwanted pots in store so they can be recycled and turned into new planters. 

B&Q's 100% recycled plastic Blacksmith Planters will be available in stores for £4. 

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