How to Find Travel Insurance If You Are a British Expat – Brexit and other issues surrounding the UK’s relationship with the European Union (EU) remain unresolved, but may be a recurring problem for Brits living in countries within the EU.
The UK Government provides guidelines for UK nationals living abroad, particularly in other parts of the EU. These directives are consistent with the Withdrawal Agreement and Political Declaration between the UK and the EU, signed on 19 October 2019. British nationals residing in EU countries are protected by this agreement and will be considered legal residents of the same countries until 31 December 2020, when the transition period ends.
All of this can leave Brits living outside the UK, or simply Brits, caught in the middle of a tricky situation. But if you’re a Brit living in an EU country, you don’t have to worry. If you have expat insurance, that’s because you’re well prepared for an opt-out agreement because it’s not the only source of your rights.
What is expat travel insurance?
Alien Insurance is insurance for foreigners residing in the EU. This policy is for foreigners under the age of 89 and their dependents.
In particular, expatriates who are legal residents of European Union or European Economic Area (EEA) countries are eligible for outbound travel insurance. Additional requirements include that the expatriate must be registered as a health practitioner under a reciprocal agreement with the UK or be eligible for free public health services in the country of residence.
Foreign travel insurance provides insurance documents and an emergency assistance card. Conveniently, expats can claim these documents immediately after purchasing insurance.
Annual multi-trip policy includes unlimited travel. Expats can choose to travel only in Europe or all over the world. The single travel policy is also available for travel to Europe and worldwide.
Standard expatriate insurance also covers adventurous activities. However, expatriates can opt for high-risk adventure activities by paying an extra fee.
Foreign insurance premiums and coverage are governed by the laws of England, not the country of residence of the foreign national.
No residency requirement is required when purchasing foreign travel insurance, making it easier and more convenient for foreigners to purchase insurance.
Expat travel insurance and its key features
Living abroad for expatriates entails many difficulties. Foreign travel insurance can be helpful for foreigners residing abroad, especially in EU or EEA countries.
Overseas expatriate insurance policies also apply to host countries with pre-existing medical conditions. Over 50 pre-existing medical and health conditions are covered by this policy, making it a great choice for UK expats.