Worldwide travel insurance for expats

This depends on the cover you choose – you can include or exclude the USA, Canada, and the Caribbean. Worldwide cover can also include destinations in Asia, Africa, Australasia, and South America.

European travel insurance covers trips within Europe, while worldwide cover includes destinations outside Europe – such as the USA, Australia, or Asia – which often have higher medical costs. 

Yes. GHIC/EHIC cards only give you access to limited state healthcare in the EU. They won’t cover private medical care, trips outside Europe, repatriation to your country of residence, or non-medical issues like cancellation and lost belongings. Worldwide travel insurance fills those gaps – giving you peace of mind wherever you go.

Yes – our policies cover emergency medical treatment, hospital stays, surgery, and repatriation to your country of residence, if required. Comprehensive cover includes unlimited medical expenses, and declared pre-existing conditions.

Once you buy your policy, you’re protected for the period you’ve chosen. If something goes wrong during your trip, contact our 24/7 emergency assistance team or claims department for help. We can guide you to appropriate medical care, arrange repatriation if necessary, or help you claim for lost belongings and cancellations.

You’ll need to declare any conditions where, in the last 2 years, you’ve had symptoms, treatment, tests, investigations, surgery, appointments or ongoing medication. For heart or circulation problems, you must declare them even if they occurred more than two years ago. Declaring them upfront helps us provide cover that truly fits your health needs.

If you don’t declare a pre-existing medical condition and later need to claim for something related to it, your claim could be refused. This could leave you paying thousands in medical bills yourself. Always declare everything when buying your policy to ensure you’re fully covered.

Yes – if you’ve had medical advice, treatment, or medication (including HRT) for menopause symptoms in the last two years. While menopause itself isn’t classed as an illness, related symptoms or treatments can affect cover – and declaring them ensures you’re protected if you need to claim.

Yes – keep your medication in its original packaging and in your hand luggage, along with a copy of your prescription. Some countries have restrictions on certain medicines, so check local embassy or government advice before travelling. Carry extra supplies in case of delays, and split them between bags where possible.

Most travellers with stable medical conditions can fly without issues, regardless of age. You’ll need to be declared fit to travel by your doctor. If you’ve recently had surgery or significant changes to your health, check with your GP and airline before booking. 

Yes – we offer cover for single trips up to age 85, so senior travellers over 70, over 75, or even over 80 can still enjoy protection tailored to their travel plans. 

The maximum age is 85 at the start of your trip for single trip policies. If you’re aged 85 or under and meet our medical screening requirements, you can be covered.

The cost depends on your age, destination, trip length, and medical conditions. Trips to countries like the USA often cost more due to higher medical fees. Annual multi-trip cover can be more cost-effective if you travel several times a year, while single trip cover works best for one-off holidays. You can also adjust your cover level and add optional extras to match your needs.

The best policy is one that covers your health needs, fits your budget, and matches your travel style – whether that’s a single trip, annual multi-trip, or cruise cover. Look for a trusted provider with strong customer reviews, a high acceptance rate for declared medical conditions, and a proven claims process.

You can buy online in minutes. Simply enter your trip details, choose your cover level, and complete our quick, confidential medical screening. You’ll receive your documents instantly by email.

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