Expat Travel Insurance
Expat Travel Insurance
Whether you’ve been sent abroad by your employer or have taken up a position outside of the UK, then as long as the UK is considered your native home, you will still be eligible to purchase a Voyager Plus Travel Insurance policy.
Our UK Expatriate Travel Insurance is available to any expatriate currently residing in an Eligible European Economic Area (EEA) Country.
Eligible EEA Countries include Belgium, Cyprus, France, Germany, Greece, Italy, Malta, the Netherlands, Poland, Portugal, Republic of Ireland, and Spain. Any UK expat living in these countries is eligible to purchase a Voyager Plus Travel Insurance policy.
Our Voyager Plus Travel Insurance for Expats provides you with the same great policy benefits as if you were still residing in the UK, these include:
- Emergency Medical Expenses – up to £10,000,000
- Cancellation cover – up to £10,000
- Baggage Cover – up to £3,500
- 100s of activities covered as standard
- 4 levels of cover to suit a range or budgets and needs
- Cover for 1000s of pre-existing medical conditions
- Payment can be made in £ or €
- And so much more!
If you’re an expatriate residing in an Eligible EEA Country, Travel Insurance is available to you no matter where you’re travelling to so long as your trip starts and ends in the country where you currently reside.
Please note: Short Stays can be a maximum of 62 days (unless aged over 75 where the max is 31 days) but there is no age restriction on purchasing one of these policies. Equally the maximum age you can be to take out a Long-Stay policy is 69 and for an Annual Travel Insurance for Expats, the maximum age is 74.
And if you suddenly feel unwell on your holiday, you may be wondering how to see a doctor when away from home, especially if you’re abroad. Our Voyager Plus Travel Insurance for UK expats living abroad now includes a service where you can speak to a 24/7 doctor while abroad as standard*. To find out more about this service, click here.
To buy Voyager Plus Travel Insurance for Expatriates, click the Get a Quote button today
Get An Expatriate Travel Insurance Quote
Frequently Asked Questions
1. What is UK Expat Travel Insurance?
Our UK Expatriate Travel Insurance is designed to provide financial protection for UK citizens currently living in eligible EEA countries when travelling. This includes cover for emergency medical treatment on holiday, baggage lost in transit, and much more while on your travels.
2. What destinations are covered under Voyager Plus Travel Insurance for UK Expatriates?
Our Voyager Plus UK Expat Travel Insurance can cover trips to the following areas:
- Area 1: The United Kingdom, Including Northern Ireland
- Area 2: Includes all countries in Area 1 and additionally the Isle of Man, the Channel Islands, the continent of Western Europe, any country with a Mediterranean coastline (excluding Algeria, Libya, Syria & Israel), the Canary Islands, Madeira and Iceland
- Area 3: Includes all countries in Areas 1 & 2 and additionally Worldwide (excluding North America, the USA, Canada, Mexico, the Caribbean Islands, the Bahamas & Bermuda)
- Area 4: Includes all countries in Areas 1, 2 & 3, and additionally North America, the USA, Canada, Mexico, the Caribbean Islands, The Bahamas & Bermuda
3. What EEA countries can you provide UK Expat Travel Insurance for?
At Voyager, we can offer cover for UK expatriates residing in any of the following EEA countries: Belgium, Cyprus, France, Germany, Greece, Italy, Malta, the Netherlands, Poland, Portugal, Republic of Ireland, and Spain.
4. Can I get cover for pre-existing medical conditions with Expatriate Travel Insurance?
Yes, Voyager Plus can provide cover for 100s of pre-existing medical conditions. Make sure you declare these conditions when asked to when purchasing your policy to ensure you have the correct cover in place.
If you fail to declare your conditions and require treatment whilst abroad then you may not be covered, and your insurer may deny your claim.
5. Are there any difference between Expat Travel Insurance and Standard Travel Insurance?
Voyager Plus’s policies for UK residents and expats provide the same extensive coverage. There are some minor differences in contact details but please check your policy documents for these.
You also have the ability to pay for your policy in Euros if you wish.
Policy Summary:
Medical Expenses - up to £10 million
Personal Liability - up to £3 million
Cancellation - up to £10,000
Abandonment - up to £10,000
Financial Protection - up to £3,000
Personal Possessions - up to £3,500
Disruption - up to £1,000
8 Options available including:
Action Activities Cover, Travel Insurance with Cruise Cover, Business Travel Insurance – Business Plus Option, Disaster & Terrorism Disruption Cover...see all
UK Expatriate Travel Insurance Options
This Travel Insurance product offers a range of different options.
Winter Sports Cover
Winter Sports Cover provides protection for lost, damaged or stolen ski equipment, unused, lost or stolen ski packs and piste closure as well as extended cover for Emergency Medical Expenses for costs associated with winter sports activities.
Travel Insurance with Cruise Cover
Enhance your Voyager Plus Travel Insurance with our Optional Cruise Cover for added protection against, cruise interruptions, missed port departures, and many other unexpected cruise-related events.
Travel Insurance with Gadget Cover
Add Gadget Cover to your Voyager Plus Travel Insurance to protect your gadgets if it gets stolen, lost or damaged while abroad. This cover is available for up to 4 gadgets per person.
Disaster & Terrorism Disruption Cover
Add Disaster & Terrorism Disruption Cover option to your Voyager Plus Travel Insurance policy to cover you against travel disruptions due to acts of terror, changes in FCDO/ WHO Travel Advice Restrictions and other circumstances such as volcanic ash clouds.
Action Activities Cover
Voyager Plus Travel Insurance policies include 100+ sports and hazardous activities at no additional cost. You can upgrade to include more adventurous activities and sports such as glacier walking (over 2000m), white water canoeing/rafting (up to grade 4) and more.
Sports Equipment and Cycle Insurance Cover
Add Sports Equipment and Cycle Insurance Option to your Voyager Plus Travel Insurance policy if you are planning to hire or take sports equipment or a bicycle with you on your trip.
Golf Travel Insurance
Add Golf Insurance to your Voyager Plus Travel Insurance policy to get cover for golf clubs and other golf equipment. As well as cover for the cost to hire replacement equipment, if yours is lost, stolen or damaged
Business Travel Insurance – Business Plus Option
Add Business Plus Insurance option to your Voyager Plus Travel Insurance policy to protect your business equipment, money, staff replacement costs and more.
GP on Demand Remote Service
Going abroad on your holiday should be an unforgettable experience for all the right reasons. However, what happens if you suddenly feel ill and want to speak to an English-speaking GP while abroad?
The good news that all Voyager Plus Travel Insurance policies now include the “GP on Demand” service as standard, giving you access to medical help whenever you need it 24/7, during your period of insurance, for greater peace of mind.
What is GP on Demand and What Service Does it Provide?
Once registered with the service online, “GP on Demand” gives you access to unlimited virtual appointments, either by telephone or video-call* with a UK-based, NHS qualified GP 24 hours a day, 7 days a week, 365 days a year, helping you to get professional advice when you need it most.
The medical practitioners on this service are able cover a wide range of subjects including:
- Advice for managing chronic conditions, minor illness, and acute symptoms of serious clinical conditions
- Answer general questions about prescriptions, travel, and lifestyle
Once you've booked an appointment through the GP on Demand app, you'll receive a call back from a GP within 15 minutes of the appointed time.
For more information about our GP on Demand, please visit our Voyager Plus Policy Wording page to download our “Voyager Plus 24/7 UK GP Access with GP on Demand” Booklet.
*Video appointments are available 7 days a week, between 8am and 10pm
What is Travel Insurance and What Does it Cover?
While going on holiday should be a fun and enjoyable experience, sometimes the unexpected can unfortunately happen. Voyager Plus Travel Insurance is designed to give you financial peace of mind that you are covered should something unexpected happen, so you are not left out of pocket, in the event of a valid claim.
Travel Insurance Benefits
The following summary of Travel Insurance benefits are just some of the areas of cover included as standard across all levels of cover on our Voyager Plus Travel Insurance policy. Please read the policy wording here for the full cover available under the policy.
Cancellation or Curtailment
A Cancellation is where you are unable to start your trip, due to an insured reason. A Curtailment is where you have to end your trip earlier than expected, due to an insured reason.
This section provides cover for any unused and non-refundable travel and accommodation costs (including unused pre-booked excursions and course fees) that have been paid, or where there is a contract to pay, if it is necessary to cancel or curtail the planned trip because of any of the events specified in the policy wording.
Emergency Medical Expenses
Medical treatment in other countries can be very expensive. This section covers the cost of emergency medical treatment, outside your home country if you’re injured or suffer unexpected illness including with symptoms of or testing positive for COVID-19 during your trip, in line with the policy terms, conditions and exclusions. Cover also includes the cost of repatriation back to your home country if medically necessary.
Please Note: If you have pre-existing medical conditions and would like cover in case you need emergency medical treatment related to them, you will need to complete a medical screening to see if cover is available and pay the appropriate additional premium.
Baggage
Covers the loss, theft or damage to your baggage, meaning: personal belongings, including clothing worn, and personal luggage owned or borrowed by you that you take with you on your trip, as well as your valuables as defined in the policy wording.
Please Note: Your gadgets may not fall under the Baggage definition in the policy wording and you may need to also purchase the gadget cover Option to cover them.
Personal Accident
In the event of a serious accident from which you suffer life changing injuries during your trip the policy will provide cover in the event of your death or permanent disablement because of the accident. Please refer to the policy wording for full details on this area of cover.
Please Note: Any immediate injuries you suffer from such an incident would be dealt with under the Emergency Medical Expenses section.
Travel Delay
No one likes to be delayed when travelling!
So with Voyager Plus Travel Insurance cover is available if the public transport (meaning any aeroplane, ship, train or coach) that you are booked to travel on is delayed by at least 12 hours. If your departure from your home country is delayed for more than 12 hours and you choose to abandon your trip, instead of a payment for delay, you are covered for the cost of the trip under the Cancellation or Curtailment section of cover.
Missed Departure / Journey Disruption
Cover for additional travel and accommodation expenses in the event you miss the departure of your public transport for your trip, due to a specified reason as defined in the policy wording.
This section also covers, in the event of a Catastrophe (as defined in the policy wording), if you are forced to move from your pre-booked accommodation to allow you to continue your trip.
These are a few of the reasons why getting travel insurance is a good idea before you travel so that you are not left out of pocket should the unexpected happen. Furthermore, Voyager Plus Travel Insurance has a wide range of features and benefits, which are just not available on cheaper products, see the policy wording for full details.
Important Information for Customers with Serious Medical Conditions - For UK Residents Only
MoneyHelper has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper travel insurance directory www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm.
Short Stay Travel Insurance
If you have a specific holiday of up to 62 days duration in mind, a short stay Voyager Plus Travel Insurance policy will give you the peace of mind that you are protected financially if something should go wrong.
Long Stay Travel Insurance
A Voyager Plus long stay policy can provide cover for trips up to 18 months (extendable to 24 months upon referral) so it is perfect for backpacking, gap years and other longer trips such as sabbaticals.
Annual Multi Trip Insurance
If you are planning on having several holidays this year then a Voyager Plus Annual Multi-Trip Travel Insurance policy may be for you.