Expat Insurance
Long-term coverage for clients relocating, working, or retiring abroad — built to run for months or years, not a single trip.
Team up with Treppy® →Who this covers
Expat Insurance covers people who’ve left their home country to live or work abroad long-term — relocating for a job, retiring overseas, or settling into a new country for an extended stretch. Coverage is available to Americans and non-Americans alike, and runs for months or years at a time rather than the length of a single trip, since these clients aren’t just visiting somewhere — they’re living there.
Longer, higher-value relationships
Expat clients tend to be longer, higher-value relationships — someone relocating for work or retiring abroad isn’t buying a one-week policy, and several of these plans renew and extend well past a year. Because the same plans double as Schengen-compliant coverage, there’s a natural conversation to have with any client already looking at Europe. The one thing to get right up front: this category is specifically for people leaving their home country long-term, not for anyone who’ll need coverage back in the U.S. — these plans won’t help with that.
Who this typically fits
Long-term relocators
A client relocating abroad for work, long-term.
Remote workers & retirees
Remote workers or retirees living abroad for an extended stretch.
Third-country nationals
A foreign national working in a third country — not their home country, and not the U.S.
Missionaries & contractors
Missionaries, volunteers, or contractors on long overseas assignments.
What’s typically included
High evacuation limits
Emergency medical evacuation up to $1,000,000 on some plans.
Pre-existing conditions
Covered up to the policy maximum under 70; drops off at 70 and caps around $20,000 for travelers 80 and older on at least one plan.
Wide age eligibility
From 14 days old up to 99 years on some plans.
Flexible duration
Runs 5 to 365 days, and can typically be extended further from there.
Network flexibility
Some plans skip a PPO network entirely and let the client see any doctor or hospital; others use one.
Optional riders
Adventure sports, accidental death & dismemberment, device protection, and even a trip cancellation add-on on some plans.
What to confirm before quoting
U.S. excluded as destination
Coverage only starts once the client has left their home country and arrived at an eligible destination.
Country restrictions apply
Several countries are excluded as a destination, home country, or citizenship — check a client’s specific situation.
Purchase after departure
Plans can generally be purchased even after the client has already left.
Frequently asked questions
Does this plan cover a client if they fly back to the U.S. for a visit?
No. These plans specifically exclude the U.S. as a destination. A client who’ll need occasional U.S. coverage needs a different product alongside this one, not this one alone.
Is there an age cutoff worth knowing about?
Yes, particularly for pre-existing condition coverage. On at least one plan, acute-onset coverage for a pre-existing condition disappears at 70 and drops to a $20,000 cap at 80. Always check the specific plan’s age brackets before advising an older client.
Are there countries this won’t cover?
Yes — restrictions exist on the destination side, the home-country side, and sometimes citizenship. These vary by plan, so it’s worth checking a client’s specific countries rather than assuming coverage applies universally.
Can a client buy this after they’ve already left the country?
Generally, yes — several plans allow purchase after arrival at the destination.
Explore other coverage categories
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