Expat travel insurance you can trust

Typical benefits include: 

• emergency medical treatment abroad 
• repatriation to your country of residence 
• trip cancellation and curtailment 
• lost, stolen, or damaged baggage 
• missed departure and travel delays 
• optional extras such as winter sports insurance or cruise cover are available – so your policy suits your travel style.  

Remember to check your policy details to make sure your travel insurance fits your plans. For details of what’s not covered, see ‘What’s not covered’ on this page. 

Yes – even if you live within the EU and have a GHIC or EHIC card, these only give you limited access to state healthcare and won’t cover private medical care abroad, trip cancellations, or getting you home in an emergency. Travel insurance for expats fills those gaps, giving you 24/7 assistance, cancellation protection, and cover for lost belongings. 

To be eligible for this policy, you’ll need to: 

• be an English-speaking resident of Spain, France or Portugal, and to have lived there for at least 6 of the past 12 months 

• have spent more than 6 months in your home (non-native) country within the last year 

• be in your home (non-native) country when you take out this policy 

• be registered with a medical practitioner in the country where you live 

• start and end your trip in the country where you live 

• check first that you don’t already have suitable insurance cover with another provider 

• follow the latest government travel advice 

The cost depends on your age, destination, trip length, and whether you choose a single trip or annual multi-trip policy. Declaring pre-existing medical conditions may increase your premium, but it ensures you’re fully protected. Frequent travellers often find annual cover works out cheaper than buying multiple single trip policies.

When you buy a policy, your cover starts from the date shown on your documents. If you have a single trip policy, protection begins immediately for cancellation cover and during your trip for other benefits. With annual multi-trip cover, you’re protected for multiple trips within the policy year. If something goes wrong, contact our 24/7 emergency assistance team or claims department for help. 

Yes – these only cover limited public healthcare and don’t include private treatment, repatriation to your country of residence, or cancellation cover. For full protection, you need a dedicated expat travel insurance policy.

You must declare any condition for which you’ve had symptoms, tests, treatment, medication, or consultations in the last 2 years. Heart or circulation problems must be declared if you’ve ever had them.

No – we either cover your declared conditions in full or not at all. In rare cases, we may be unable to provide cover for certain conditions, but we’ll let you know during the medical screening process.

If you don’t declare a pre-existing medical condition when buying your policy, any related claims may be refused, including help getting home. Always disclose your full medical history as required so you know you’re fully covered. 

Yes – all our policies include cover for emergency medical treatment abroad and, if needed, repatriation to your country of residence. On Comprehensive policies, medical expenses are covered up to the stated limit. Declared and accepted medical conditions are included as standard.

Call local emergency services first, then our 24/7 emergency helpline. We can often arrange direct payment with the hospital or clinic.

Yes. At Staysure Expat, everything is handled in English – from your policy documents and written communications to our friendly support team on the phone.