Expat Travel Insurance

An Expat Travel Insurance policy is specifically designed for Brits who are living abroad.

It can help give you peace of mind when you’re going on holiday.

Our policies are written in English, making it easier to understand what you’re covered for.

Cover includes medical emergencies, having to cancel your holiday, baggage, stolen cash and more.

You’ll need to be English-speaking resident in Spain, France or Portugal who has been a permanent resident for at least six of the last twelve months in their home (non native) country in the last year.

You’ll also need to be registered with a doctor in your (non native) home country, who can grant access to your medical records if something goes wrong.

The trip you’re looking to cover with your Expat Travel Insurance must also start and finish in your (non native) home country.

Check you don't already have suitable insurance cover with another provider before buying, too.

Both our Single Trip and Annual policies have an upper age limit of 85.

With an Expat Single Trip Travel Insurance policy, all travellers up to 85 can travel up to 104 days. If you’re looking to go away for longer than three months, then you could have up to 366 days of cover depending on your age and the destination you’re travelling to.

With an Expat Annual Travel Insurance Policy, all travellers up to 85 can spend up to 183 days in their policy year on holiday. Those aged under 71 can have a single maximum trip duration of 50 days (which can be upgraded to 100 days for an additional premium if agreed). Those who are up to 85 can travel up to 35 days at a time.

The Spanish version of what was called the EHIC is called the Tarjeta Sanitaria Europea (TSE). It is a requirement expat policyholders living in Spain need to have a TSE card. If you can prove you are not entitled to a TSE card, or the new GHIC provided by the UK Government, your cover will be valid.