United StatesLand of the free, home of the vacation? Visiting the United States is a great way to spend a vacation. The country has so much to offer, from amusement parks like Disney World, to big cities like New York City and Los Angeles, breathtaking natural sites such as the Grand Canyon, even tropical beaches in South Florida! There is something to do, no matter what type of vacation you are looking to go on. That may be the reason why the U.S. is the second most visited country in the world behind only France. With so many people traveling to the U.S, people are bound to have accidents, get sick, etc. So if a trip to the United States is in your future, here are 5 reasons to make sure you have sufficient health insurance coverage during your travels. 

 

The High Cost of Medical Care

There are places around the world that have government sponsored, affordable or free healthcare. While the U.S. has recently attained a government sponsored healthcare system, many would argue that it is anything but affordable for those who don’t have coverage. So whatever health care plan you have in your home country, likely will not work in the U.S. But better to be safe than sorry, and up with a medical bill that’s a few thousand dollars. For example, accidents happen, and you unfortunately fell and broke your leg while walking down the stairs of your hotel. The total cost of treatment could be as high as $2,500 without health insurance coverage. And if surgery is required, you’re looking at a total cost that could be over $15,000. 

Accidental Death and Dismemberment 

Accidental Death and Dismemberment is essentially a fancy way of saying life insurance. You go through the similar process in selecting a beneficiary to receive a benefit in the event of your death or dismembering injury. No matter where you are traveling, it is a good idea to protect yourself and your loved ones in the event something happens to you.

Medical Evacuation/Repatriation 

Even though the United States has some of the best medical facilities in the world, it is possible that you may need to be medically evacuated to your home country in the event of a serious injury. Being medically evacuated from the U.S. can cost hundreds of thousands of dollars. I think that is a good enough reason to make sure you’re covered. Also, in the event you pass away on your trip, repatriation should cover or assist in the returning of your remains to your home country. Otherwise, your family could be left to foot the bill of transporting your remains back home, which could be quite expensive. 

24/7 Assistance 

While visiting a foreign country can be one of life’s greatest adventures, it can also be a scary and stressful one. Especially when visiting a country as large as the United States of America. That being said, many travel insurance companies offer a 24/7 hotline that you can call in the event something has happened to you, you’re lost, or help with any travel details. This can be even more helpful if the language spoken in the country you are visiting isn’t the same as your native tongue. 

There are fewer experiences that can be as fulfilling as traveling and experiencing different parts of the world. We hope that your trip is perfect, and that you never have to actually use your travel insurance. However, if you do, read our previous blog, “How to File a Travel Insurance Claim,” for help when having to file a claim. If you are interested in purchasing travel insurance, please contact our specialists at +1 954 828 1819 or +44 (0)1624 678668 or visit us at mhginsurance.com to help identify the right travel insurance plan for your particular situation. Have a wonderful vacation!

Going on Holiday to the U.S? The Reasons You Need Travel Insurance

travel insurance claimPicture it. Sun, beach, a fruity drink in hand and a cool breeze blowing your hair. You and your partner are having the best summer vacation ever, just relaxing on an exotic island in the Caribbean, a million miles away from the daily grind and stresses of life. And BOOM! Just like that you fall and twist your ankle and have to seek medical attention. Good thing you bought travel insurance! But now what? 

 

Be Prepared 

The best way to handle a claim, is to know your insurance policy inside and out. Knowing all of the intricacies of your policy will let you know how much time you have to contact your carrier, phone numbers to call, the coverage you have, etc. Read your policy before you go on your trip, preferably at the point of purchase. 

Contact the Insurance Company ASAP 

Don’t make any assumptions when it comes to your medical coverage or the claims process. If you have an accident or become ill while you are away, contact the insurance company as soon as possible, preferably immediately. The insurance company can offer valuable travel and medical assistance services that are available 24 hours a day, 365 days a year. They can also help you find Western-style medical facilities, medical and dental practices and pharmacies in addition to an array of other helpful services which can be a real stress reliever especially if you are in a country that you are not familiar with and where the primary language is different to your own. 

Save All Documents 

When it comes time to filling out your claim form, you will be asked to provide backup documentation to substantiate the claim. Don’t worry if the documents are in a foreign language. Most international insurance companies can process claims in many different languages. Be sure to save all doctor reports, itemized bills, invoices and receipts so that when it comes time to claim, you will have all of your ducks in a row. Having the proper documents can be the difference of your claim being paid, or being denied. Keep in mind that all claims regarding illness or injury must be supported by a doctor.

Denied Claim 

You filled out and submitted your claim form with supporting documentation in a timely fashion and you just got the bad news that your claim has been denied. Understandably you are probably upset but instead of venting about it, file an appeal. You will be asked to write a letter as to why you think your claim should be covered and potentially may have to provide additional documentation to support your claim. The appeal process can take up to 90 days so remain patient. A good insurance broker will be able to assist you with this. 

Read our previous blog, “Most Common Travel Insurance Claims,” to help prepare you even more for the claims process. Planning a fabulous summer holiday? Read our previous blog, “Tips Everyone Should Follow When Traveling Abroad,” and don’t forget to pack your travel insurance! Not sure which plan is right for you? Speak with the insurance specialists at +1 954 828 1819 or +44 (0)1624 678668 or visit us at mhginsurance.com to help identify the right travel insurance plan for your particular situation. Have a wonderful vacation!

How to File a Travel Insurance Claim

newlywed“If there are any objections, speak now or forever hold your peace.” “Wait they don’t have life insurance!” Hopefully you don’t find yourself in this situation, and you already have a good life insurance policy in place. However, if you don’t have life insurance, it’s something you need to start thinking about it.  After the honeymoon of course! Who knows, maybe you will say I do again... to life insurance. See what I did there?  

 

Protect Your Spouse

Unfortunately, death is a part of life that we all have to experience and plan for. Not all marriages are like “The Notebook” where you and your partner live into your golden years and pass away together in each other’s arms. Life insurance is designed with your loved ones in mind and plays an important role in your overall financial planning. If you have anyone depending upon you financially, you probably need Life Insurance even if you are young and healthy. For most, this financial responsibility begins when they either get married or have a baby. Have you thought how your family, or those you care about, would manage without you financially? The grieving process is hard enough, don’t let your better half also have to worry about how they will pay the bills or be able to afford the mortgage. In the event of your untimely death, you want to be reassured that your husband or wife will be financially secure in the event of your passing.

Invest in Your Future Together 

Did you know that life insurance has other benefits besides providing a benefit to your beneficiaries? Certain policies such as a Whole Life policy can act as a way to save and invest money. In most cases, a Whole Life policy has a “cash value” that is invested and can earn as high as 5% interest. The cash value is calculated based on how much money you have paid so far in premiums, and after a certain amount of time, your cash value could be worth more than you have paid! Also, with a Whole Life policy, after a certain amount of time, you can cancel the policy and get back all of the money you have paid so far, and then some! 

Lower Premium 

Getting married, buying a house and having baby are life events that prompt us to buy life insurance but it’s really something you should be considering even if you have no assets or dependents. Did you know that in most life insurance policies, you have the same monthly premium for the duration of the policy? That means if you’re paying $50 a month, you will be paying the same amount for the life of the policy. Unless you increase your coverage, you are locked in to a set premium. This is important because as you get older, policies become more expensive. Typically, you can expect your premium to double every 10 years. Good enough reason to stop putting off purchasing a life insurance plan, right? 

For more information regarding what life insurance options are available to you, read our previous blog, What Are My Life Insurance Options? If you are interested in purchasing life insurance, or have any questions, we’re here to help! Please contact us today at 954 828 1819 or visit mhginsurance.com. Congratulations and cheers to many years of wedded bliss!

What Newlyweds Need to Know About Life Insurance

Top Summer Destinations

summer destinationsThe sun is out, the grills are blazing, and the drinks are flowing. There’s only one explanation, summer is almost here! Summer time is an exciting time for most, with the kids out of school, cook-outs every weekend, and let’s not forget, summer vacations. Whether you have kids, looking for a romantic getaway, or want to go on an adventure, here are some top destinations that everyone is sure to enjoy.  


 

Alaska

alaskaDoes Alaska conjure up thoughts of sub-freezing temperatures, grizzly bears and TV shows like Deadliest Catch? Located in the northwest of the North American continent, Alaska has beautiful weather in the summer with temperatures ranging anywhere from 50 to 80 degrees. This is perfect because it gives you a chance to see some of the most naturally beautiful landscapes and scenery you will see on this planet. With Denali National Park, Mt. McKinley, glaciers, wildlife, any nature buff will have a ball spending some time here. Even if you are looking for a quiet getaway, Alaska has more to offer than you may have thought. 

 

Bali, Indonesia

baliIf you’re looking for an exotic, tropical destination this summer, Bali should be at the top of your list! An Indonesian island located in the westernmost end of the Lesser Sunda Islands, Bali offers white sandy beaches, crystal clear waters, cultural sites and breathtaking waterfalls. Whether you are looking to relax on the beach or would rather cycle through the surrounding villages and rice paddy fields, there is something for everyone to experience.   

 

Machu Picchu, Peru

machu picchuThe ruins of Machu Picchu are located in the Cusco region of Peru. The mainstay of the Incan civilization, Machu Picchu delivers beautiful mountain scenery and incredible history. Up for a thrilling hike? Check out the Inca Trail to Machu Picchu which takes you through lush forest and jungle and offers amazing views.          

 

 

 

 

 

 

Nice, France

niceWho needs an excuse to go to Europe? I know I don’t! Nice is located on the southeast coast of France on the Mediterranean Sea and is a perfect fit for your summer travels. There is so much to do and see, you may have to book a second trip before you have even finished your first one! To get your bearings, take a walk along the Promenade des Anglais or La Prom for short or venture up to Colline du Chateau for spectacular views of the Baie des Anges. And don’t forget it is summer! Don’t miss a trip to the beach!       

 

 

 

 

South Africa

south africaLooking to see the Big 5 this summer vacation? South Africa has you covered! Based at the southern tip of Africa, bordering Namibia, Botswana and Zimbabwe, South Africa offers the opportunity to see lions, elephants, buffalos, rhinos and leopards in the iconic Kruger National Park. A trip to South Africa is a must for anyone with a safari on their bucket list! 

No matter where your travels take you this summer, don’t forget to protect yourself with a travel insurance plan. It’s important to have proper travel insurance coverage in case of an unexpected emergency while traveling abroad so contact our insurance specialists who have the knowledge and experience to offer advice and help you select the best insurance plan based on your requirements. Call us today at +1 954-828-1819 or +44 (0) 1624 678668 or visit mhginsurance.com. For some helpful tips while on your trip, check out our previous blog, “Tips Everyone Should Follow When Traveling Abroad,” Safe travels!  


Top Summer Destinations

expat womenI’m sure you have all heard lectures like: don’t talk to strangers, don’t set your drink down, never go down a dark alley by yourself, etc. The list seems to be never ending about what to do and not to do to protect yourself. While many of the items on the list are universal no matter where you are in the world, there are things to keep in the back of your mind if you are looking to live abroad, that you may not think of back home. Here are a few tips to keep in mind if you’re living abroad.     

 

Blend In 

While it’s a great to be individualistic and wanting to express yourself in different ways, doing so while living in another country may not be the best idea. Some cultures are very conservative, and may not appreciate someone who wishes to push the limits of what is considered “normal.” For example, in many countries in the Middle East, it is not proper for women to show their hair, for it can be seen as seductive. I know you want to show off that new hair-do you spent all that money on, but it may be smart to keep it under wraps if you are living in one of these countries. Different countries also have different laws. Something you used to be able to do freely in your home country may get you arrested in your new one, so read up on local laws and be sure to abide by them. Also, be aware of local “gender roles” and “dating rules.” 

Know Where You Are 

Don’t leave your house without knowing exactly where you are going. Getting lost in a new country can be cause for a lot of problems, especially if you are alone. Try everything you can to keep yourself out of compromising situations. Also, it is a good idea to always carry a map with you in the event you do get lost and if you can, let someone know where you’re going. 

Keep In-Touch

If you are moving to a new country all on your own, it is a very smart idea to keep in-touch with someone back home such as a close friend or a family member that you can check-in with regularly. This way, if your family or friend hasn’t heard from you by the agreed upon time, they may be able to contact the local authorities. 

Prepare for the Worst

No matter how much you prepare, emergencies will always arise. Keep copies of important documents, such as passports, insurance, license, etc. Also, I’m sure you have learned over and over in your life that cash can solve many issues. Keep a secret cash stash for emergencies, such as losing your credit or debit card. It could take a while to get the situation straightened out with you being in a different country, so keep enough cash to hold you over.

Get Insurance! 

As an expat, finding the best International Health Insurance can be daunting. You're going to be far from home and you want to be sure you have top notch international insurance coverage in place so that whether you're suffering from back problems, a respiratory infection or even something more serious, like a stroke, you have access to the best care possible. Examples of some of the key benefits and features which can be included in an Expatriate Health Insurance plan include worldwide coverage, choice of coverage area, preventative care benefits, and emergency medical evacuation as well as optional add-on's including dental and vision, maternity and sports coverage. In addition to International Health Insurance, it is also important to consider a Disability Income plan and Life Insurance as well. 

At MHG Insurance, many of our employees are expats themselves and understand the health insurance requirements for expats living and working around the world. Coupled with over two decades of international insurance experience and access to multiple international insurance carriers, our Insurance Specialists offer sound, independent advice as to which insurance providers and products are best for you. For tips to follow when you repatriate, read our previous blog, “What to Expect When Repatriating.” Call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com for help finding insurance coverage for you, your family or business!  

Safety Tips for Expatriate Women

honeymoonEveryone knows the only reason people get married is to go on an extravagant vacation, better known as a honeymoon. Just kidding! However, if you are about to tie the knot, I am sure you are looking forward to your trip whether you’re going to be relaxing on the beach in Fiji, exploring the natural beauty of Costa Rica,  cruising the Mediterranean, or visiting some other top newlywed destination. Honeymoons are the one time when you are supposed to splurge and go all out when planning a vacation. From top of the line food, massages, and activities, couples don’t hesitate to celebrate their future life together by enjoying some of the most lavish trips this world has to offer, creating an even greater need for insurance coverage. Although it should be a priority to obtain coverage for any trip that you take abroad, protecting your investment in your honeymoon is a must!  Here are 5 reasons you may need a trip cancellation plan in order to protect the investment made on your honeymoon! Oh, and remember to book the honeymoon suite!


Injury or Illness 

Your spouse told you it wasn’t a good idea to have oysters at the wedding and now you find yourself going toe to toe with food poisoning. If you get ill, or injured, I would highly doubt that you would be looking forward to your honeymoon. You may want to reschedule, or get your money back and book something else. 

Jury Duty 

Is it me, or does jury duty seem to always have the worst timing? Sometimes there is nothing you can do about it, and no way to get out of it. By purchasing a trip cancellation plan, your investment in your honeymoon will be protected should you be called for jury duty. 

Work Related 

Many stress the importance of a good work/life balance; however, sometimes work can get in the way of your leisure time, especially if you hold a key position in the company. If a last minute meeting comes up, or there is an emergency situation that requires you to come in to work as you are supposed to be leaving on your trip, a good trip cancellation plan could be your best friend. 

Labor Strike 

Labor strikes can happen at any time. Airlines could be having disputes, and sometimes their workers will look to take the power in their own hands. If this happens, and it affects your flight or trip, a good trip cancellation plan can reimburse you the amount of your trip, or the policy maximum, whichever is lower. 

Losing Your Job 

Losing your job is an unfortunate reality that many of us may have to face at one point or another in our lives.  Usually this is unexpected, and losing your job leading up to your wedding and honeymoon is a sure way to put a damper on things. Not to mention, you may not be able to afford your trip anymore. In this case, you may want to have that money that you already invested back, especially in a time as tough as this one. 

Congratulations on saying “I do!” MHG wishes you safe travels along your journey during your trip. For help planning your honeymoon, read our previous blog, “Tips Everyone Should Follow When Traveling Abroad.” If you are interested in purchasing a trip cancellation plan, or travel insurance, or have any questions or concerns, please contact us at +1 954 828 1819 or +44 (0)1624 678668 or visit us at mhginsurance.com. Our insurance brokers have the experience to assist you in selecting the right plan for you, with the best value. Enjoy your honeymoon!

Planning Your Honeymoon? 5 Reasons to Consider a Trip Cancellation Plan

repatriatingLucy…I’m home! You’ve been working for several years as an expat and now that you’ve completed your contract, it’s time to go home. Phew! It really has been a whirlwind experience. From the great friends that you have met from around the world, to the amazing places you have visited, you sure have made a lifetime of memories! But now that your time to head back home is drawing near, you might be feeling a range of emotions from excitement to sadness. Of course you’re looking forward to reuniting with old friends and spending time with family, but you’ve also made a life for yourself in this place far from home and you’re going to miss it immensely! As you start preparing yourself for the transition back home, here are a few things to consider. 

 

Déjà vu                                                 

Packing boxes, finding new schools for the children, closing out accounts, canceling subscriptions, garage sale…sound familiar? Well, unfortunately everything you did on your way over, you’re going to have to do again on your way back home. The best advice that we can give is to take one thing at a time because it’s easy to get overwhelmed. There are going to be hiccups along the way but try to take them in stride.

Finances 

Many expats while away from their home country, pay a different tax, such as a non-resident tax. When repatriating, you may have to re-register as a resident in order to begin to pay the necessary taxes, and avoid back taxes in the future. Also, while living abroad, you may have had your bank account(s) in an international bank, or a bank of that country. Now you may want to transfer your money to a local or domestic bank, and close out the old accounts. 

Emotional Concerns

While you may be very excited to return home, repatriating can be a bittersweet experience. Yes, you may be returning to your family, loved ones, and old friends, but you are leaving new ones. However long you have been at your new home, whether 5, 10, or 20 years, there are a plethora of memories that you cherish. The feelings and emotions you could be going through may be similar to those that you had when you first left. Also, this can be a stressful time. After all, you are moving your whole life from one place to another. Again. 

Health Insurance 

You have a long list of items on your to-do list, but one of the most important is arranging your health insurance. As an expat, you probably had an international health insurance plan, but now that you’re returning home, your coverage needs will be different and it’s important that you find a plan that will match your new lifestyle. Depending on where you call home will determine the type of plan you need, or whether or not you even need insurance. For example, if you’re returning to a social system, you may not need health insurance at all. Maybe you are retiring, and moving back to the U.S. where you may be eligible for Medicare, or maybe you will have to purchase an individual health insurance plan. 

Many of us at MHG are expats ourselves and understand the global insurance needs of international businesses, individuals, and families living and working around the world. Our Insurance Specialists have the experience, knowledge, and access to multiple international insurance carriers to help you find the most suitable plan based on your budget and future plans. At MHG Insurance Brokers, our commitment to your well-being does not end once you have purchased a plan; through our “Concierge Broker Service”, we will continue to assist you with questions about your policy and provide guidance throughout the claims process if necessary. Call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com for help finding insurance coverage for you, your family or business!

What to Expect when Repatriating

Travel Insurance for Cuba?

cuba travel insuranceSpanish, cigars, and sangria, just a few things the fairly mysterious country of Cuba is known for. This small island is rich with history and culture, and thanks to new laws that have been passed between Cuba and the United States, many will now be able to learn and experience everything this island has to offer first hand. The best part is, you won’t have to go uninsured either. Just in case you didn’t know, the United States government has restricted travel to Cuba since the 1960’s, ever since Fidel Castro came to power. So even though the borders aren’t fully open to American citizens, this is the first time in over 50 years that many will have the opportunity to experience Cuba in a way that wasn’t even an option before. 


What’s New?

The U.S. government has loosened the travel restrictions to allow Americans the ability to travel freely to Cuba, just not as freely as you may think. While American citizens won’t need prior authorization to visit the country that is famously 90 miles south of Florida, there is still a catch. The U.S. government has limited travel to journalists, government officials, those licensed by the Treasury Department, academic purposes, and those with immediate family members living in the country. Independent travel to Cuba still remains prohibited for Americans. Oh, and if you were planning on bringing back some Cohibas with you, there are limits to the amount you are allowed to bring home. Visitors will be allowed to spend more, being able to bring back up to $100 in Cuban cigars and even use credit cards. 

Business 

U.S. companies are now following suit after the loosened ban on travel to Cuba. It hasn’t happened across the board yet, but airlines, hotels, travel agencies, and many other businesses will soon look to expand their business into Cuba. So for the time being, it still may be difficult finding travel accommodations to get to Cuba with no direct flights available, so be prepared for layovers and having to take connecting flights from Mexico or other countries within the area.

Insurance 

Of course our favorite business expanding into Cuba is insurance! The Cuban government requires that all visitors must obtain a medical insurance policy upon entering the country. Typically, those that do not have an international insurance policy, travel insurance can act as their primary insurance while abroad. For those who were wondering, there are several travel insurance options that offer coverage in Cuba just as it would anywhere in the world! So if you are planning on making the trip, contact us for your travel insurance that includes Cuban coverage!

Keep in mind that all of the changes that are forthcoming are new, and new information can present itself at any time. Be sure to check in regularly to stay aware of any updates. 

If you have any questions about your travel insurance regarding Cuba, or are interested in purchasing yacht crew insurance or expat insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.  For more information on insurance regarding Cuba, read our previous blog, “What Does Cuba’s Opened Borders Mean for Your Insurance?” MHG has the insurance specialists to assist and advise you, your loved ones, group, or business, on all of your insurance needs.

Travel Insurance for Cuba?

Expatriate ChecklistTaking the leap and becoming an Expatriate can lead to an overwhelming wave of emotions. From excitement, to scary, to nervous, to anxious, even nostalgic, knowing that you are leaving your home to start a new life in a new place will give you a rush one way or the other. Deciding to become an expat is step one of a long list of things to take care of before you set sail on your new adventure. So use this Expat Checklist when organizing, packing, and scheduling everything that needs to be done before your big move!  

  

  1. Medical check-ups for you and each family member are a must before you leave, and make sure to get an extended supply of any prescription drugs. Also, obtain a copy of the medical file related to the condition that requires prescription drugs, and be sure to keep these with you during your travels (keep in your carry-on). Check what vaccinations are required.
  2. If you have children, look into education opportunities abroad. The countries school system, boarding school, home schooling, etc.
  3. Learn the language! At least the basics in order to communicate important stuff.
  4. Passports and VISAs need to be valid, and it may be a good idea to renew them if they are set to expire in the near future. If you’re filing for a new passport, file your application early because it may take some time to complete. Remember, some VISA applications require a lot of paperwork so start those early as well.
  5. Cancel any subscriptions you may have. Such as magazines, telephone, cable, internet, etc.
  6. Apply for an international driver’s license. Keep both your international and domestic licenses with you at all times.
  7. Make photocopies of all important documents, such as birth and marriage certificates, social security cards, etc.
  8. It may also be a good idea to get any important documents translated into the language of your new country of residence. It could make this whole process a lot easier and quicker.
  9. Handle your property before leaving. Your house, are you selling it or renting it? Your car. Anything else of significance you may own. Also, make arrangements for your vehicle at your destination. Are you shipping your car there, or do you need to rent or purchase a new one?
  10. Ask your bank about money transfers and banking abroad. Look into online international banking, it may be easier to make transfers and manage funds between countries.
  11. Take food items, or any other items for that matter that you enjoy but won’t have available to you in your new country. At times you may be homesick, and these items may help sooth your soul.
  12. It is very important to share the new address and your new contact information with your friends and family. Just in case of any emergencies.
  13. Set up your utilities ahead of time, so you won’t be without power or water upon your arrival. This goes the same for cell phone and internet access, in order to let your loved ones know that you have arrived safely and are settling in.
  14. Determine the tax rules of your new country, as each country has specific tax rules on foreign earned income. Also, there may be taxes on any shipped items that you have shipped to your new country.
  15. Insurance! Expats need International Health Insurance in order to have worldwide coverage. Instead of trying to figure out the insurance plan that is best for you and your family, find an insurance broker to do that for you. You have enough things to do as it is.
Print this checklist and carry it with you to use when packing and moving to your new country. Moving to a new country can be an amazing experience. For more information on what it’s like being an Expat, read our previous blog, 5 Reasons why it’s Great to be an Expat. If you are interested in more information about Expatriate Insurance, or are interested in purchasing Expat Insurance, contact us at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com for help finding expatriate insurance coverage for you, your family or group!

Expat Checklist Before the Big Move

Expat Insurance Quote Options

Expat Insurance Quote OptionsMoving to another country can be the exciting adventure of a lifetime. Whether you will be pursuing your studies during a semester abroad or relocating more permanently to further your career, it is imperative that you have a health insurance policy that provides coverage in the country where you will be residing. In certain cases, you may qualify for the national health plan of your host country, but the majority of travelers will need to obtain expatriate health insurance coverage. 


If this is your first time purchasing an international health insurance policy, the process can be a little confusing so we have provided these expat insurance quote options to help you on your way.

  1. Research the health insurance requirements of your destination country

    A number of countries will not let you relocate unless you have health insurance coverage in place, and some require specific coverage, such as medical evacuation coverage or repatriation of your remains if you should die. Research the requirements for your destination country well in advance of your move date so you have time to investigate various plans, obtain the necessary coverage, and submit any required documentation. Good places to start your research include your employer and your home country’s governmental department regulating international travel (U.S. citizens should consult the U.S. State Department).

  2. Consider your needs

    If your work or recreation plans include travel to other countries, your international health insurance plan will need to include coverage for those destinations as well. In most cases, the simplest option is to choose worldwide coverage, so you do not have to reapply each time you cross a border. You may want a plan that includes coverage in your home country as well; many expats prefer to return to their home country for serious operations and to give birth. If you intend to participate in sports or hazardous activities, you may need to purchase a rider on your policy to ensure any injuries are covered.

  3. Buy before you leave

    Medical underwriting for international policies is not instantaneous; it can take anywhere from several days to several weeks for approval. Make sure you begin the application process early, or you could arrive at your destination only to discover that your application for expatriate health insurance coverage has been declined.

  4. Read your policy carefully

    Reading the schedule of benefits, usually found on the first three to five pages of an expat policy, will give you a valuable overview of your coverage, deductibles, benefit limits, and any co-pays or co-insurance. It is just as important to read the limitations and exclusions, however; riders and additional coverage can be purchased for some excluded injuries, conditions, or activities, as long as you make provisions ahead of time.
Trying to find expatriate health insurance coverage on your own can be a daunting task. At MHG, many of us are expats ourselves, and we are well-acquainted with the needs of individuals living and working around the globe. Our Insurance Specialists have the experience, knowledge and access to multiple international insurance carriers to find you the most suitable plan based on your budget and future plans, whether you are looking for International Health Insurance, Expatriate Disability Income Insurance, or Life Insurance. At MHG Insurance Brokers, our commitment to your well-being does not end once you have purchased a plan; through our "Concierge Broker Service”, we will continue to assist you with questions about your policy and provide assistance throughout the claims process. 
  

Before you relocate to another country, call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com for help finding the expatriate insurance coverage you need!


Expat Insurance Quote Options