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Why Health Insurance Is A Must For Expats This Summer (And Beyond)

With summer 2025 fast approaching, many are gearing up for new experiences—whether it’s chasing the sun, exploring new cultures, or starting a new chapter abroad. But before you board that plane, there’s one essential you can’t forget: international health insurance. It might not be the flashiest part of moving overseas, but it’s one of the most important.

Healthcare Isn’t a Given Everywhere—Insurance Helps You Stay Protected

A lot of expats are surprised to learn just how different healthcare access can be from country to country.

You might not qualify for public healthcare
Private options are available—but they can be pricey

That’s where international insurance comes in. It helps you avoid gaps in coverage and expensive bills.

Brokers like ExpatInsure help you find a plan tailored to your destination and lifestyle—without decoding insurance jargon on your own.

Avoid the Financial Shock of a Medical Bill

Imagine paying hundreds—or even thousands—for a simple doctor visit or hospital stay. It happens more often than you’d think when you’re uninsured abroad.

International health insurance protects you from:

Costly consultations or hospital admissions
Unexpected emergencies
Long-term or chronic care expenses

Working with a broker ensures you don’t overpay—or worse, get stuck under-covered.

What If There’s an Emergency? You’ll Be Covered for That Too

Emergencies abroad can be scary—especially if local care isn’t up to standard. Some plans include emergency evacuation coverage, so you’re never stranded.

This could include:

Airlifts to the nearest capable hospital
Flights home for advanced treatment

A good broker makes sure your policy includes these crucial protections before you even take off.

Health Insurance May Be a Legal Requirement

In many countries, having insurance isn’t just smart—it’s required.

Some visas or residency permits demand proof of coverage
Not meeting these requirements could mean delays or rejection

Brokers like ExpatInsure understand local laws and can ensure your policy checks all the right boxes.

Why Not Just Use Travel Insurance or a Local Health Plan?

Let’s clear up a common misconception:

Travel insurance only covers short-term emergencies.
Local health plans are often limited to one country and might be difficult to navigate in a foreign language.

International insurance gives you the flexibility, coverage, and consistency you need as an expat.

And with a broker helping you compare providers and pricing, it’s easier than ever to make an informed decision.

Enjoy Peace of Mind—with the Right Broker by Your Side

Life abroad is full of transitions. The last thing you want to worry about is what happens if you need medical help.

With international health insurance:

You’re covered for both emergencies and routine care
Your partner or family can get coverage too
You can focus on enjoying your new lifestyle

Working with a broker like ExpatInsure means you don’t have to be an expert. They guide you, compare plans, and help you get the coverage that fits your life abroad.

Final Thoughts: Don’t Head Abroad Without It

Whether you’re planning a summer abroad or making a long-term move, don’t overlook your health insurance. It’s not just about safety—it’s about peace of mind, flexibility, and freedom to enjoy the journey.

ExpatInsure is a licensed US and UK broker that works with global insurers to offer tailored international health coverage for individuals, families, and small groups. From emergency evacuations to everyday care, they help you find what fits your needs.

Get a free, no-obligation quote today—and travel with confidence.

Need help choosing a plan?
Visit ExpatInsure.com or reach out to speak with a specialist today.

Moving Abroad Checklist

Initial Considerations

Will your partner be travelling with you?

If so, what will they be giving up in your present home and will they be able to continue with their career in your new home? You will need to check whether a separate visa is required for your partner to work or if your visa gives that right. If they are unable to work you will need to decide on the effect on your finances and what alternatives are available to give a fulfilling life (home business, training, voluntary work).

Are you taking family with you?

Moving with family raises many exciting opportunities, but also can create challenges. The HSBC Expat Explorer survey indicates that expat kids can take six months to settle in to their new country (see article). Getting young or even older children to prepare to move and leave their friends and family behind can be a challenge and should be thought through.

The options for education is another area that needs to be thought through.

Moving your child to a new country with a different education system can be a great opportunity to broaden their experience, but if they are close to key exams the timing can make this inadvisable. If you do take your family with you, it is important to decide between joining the local school system or choosing an international school.

Where will you be living?

Whether you will be living in a house or apartment, furnished or unfurnished, these decisions will affect what you need to take with you. The time you are planning to live overseas will also affect whether you should leave your property at home empty, rent it out or sell it. See the article Sell, Store or Ship.