Planning an extended overseas adventure but worried about a pre-existing medical condition? Here’s your guide to finding the right expatriate insurance that covers everything from medical expenses to unexpected setbacks like trip cancellations or lost luggage. Some policies—such as those from Worldwide Insure—even offer coverage starting after your journey has already begun.
Are you dreaming of a long-term stay overseas? You’re certainly not alone. Whether it’s for an extended travel experience, a work opportunity, or simply escaping winter for warmer shores, more and more people are calling foreign countries home. For example, in fact, estimates suggest that up to 10% of the UK population is living abroad at any given time.
If you’re one of the people, who planning to relocate in the next five years, you might be considering expatriate travel insurance. But if you’re dealing with a pre-existing medical condition, your insurance options become more complex.
Can I get coverage if I have a pre-existing condition?
Just because you have a pre-existing medical issue doesn’t mean you’re out of luck when it comes to travel insurance. While it may take a little longer to find the right policy, and you may pay a bit more, coverage is absolutely available. It’s crucial that your policy caters to your specific needs—especially if it involves prolonged hospital stays, specialized treatments, or the cost of being repatriated in the event of a serious illness.
Expat Insurance with Pre-existing Medical Coverage
Worldwide Insure understand that your needs are unique. That’s why they offer comprehensive travel insurance for expats, including those with pre-existing conditions. Whether where you are, their policies can cover a range of conditions. What’s even better? They can provide coverage for you—even if your trip has already started.
The Best Travel Insurance for Expats
If you’re planning a long-term stay abroad and have a pre-existing medical condition, make sure your insurance meets all your needs. It’s essential to answer all questions on your application honestly and completely. Failing to do so could leave you facing hefty medical bills if your condition worsens while you’re overseas.
What Should Your Expat Travel Insurance Cover?
First and foremost, your plan should cover medical expenses. Ensure that it includes coverage for any pre-existing conditions, hospital stays, surgeries, and outpatient treatments. It should also cover transportation to the nearest medical facility or repatriation if necessary—even in the worst-case scenario, such as death.
Beyond medical coverage, you’ll also need protection against non-medical issues like trip cancellations, delays, interruptions, or lost luggage.
Be sure to double-check the duration of your coverage. Whether you’re planning a short-term visit or an indefinite stay, make sure your policy aligns with the length of your time abroad. And verify that the plan can be renewed or extended if necessary (Worldwide Guarantee products include this option).
Some plans might have exclusions—such as coverage for high-risk activities (e.g., extreme sports), certain medical conditions, or specific treatments. Be aware of any co-pays, deductibles, or excess fees that could add to your out-of-pocket expenses.
For example, if your policy excludes coverage for North America, you won’t be protected if you travel to the U.S.—unless you upgrade or secure a separate policy. Healthcare in the U.S. can be incredibly expensive, so make sure you’re well-prepared.
Enjoy Peace of Mind as an Expat
With Worldwide Insure, you can rest easy knowing you’re covered for both medical expenses and a range of other potential mishaps. Our policies offer the reassurance that you won’t be burdened with astronomical medical costs, while also protecting you from other losses. Plus they can cover you even if your trip has already begun.
Don’t wait until it’s too late, secure the right insurance for your overseas adventure!