Expat Insurance Planning

“For example, emergency evacuation will be a priority for an expatriate if he is in Timbuktu and falls under a bus. He may find the policy only covers evacuation for him plus one person and with no accommodation for the\ second person. When he is trying to get well he has to worry about his wife and kids back home in Timbuktu. We take the whole family out.”

The analogy Rousseau uses for comprehensive cover is a compelling one. “It’s like having a parachute. You may never have to use it, but if you need to you are very grateful it’s there,” he says.
While cost is an issue for international PMI cover, expatriates tend to put this into the mix along with making sure all necessary precautions are taken.

Expat Insurance Planning & David Pryor

ExpaCare offers three levels of cover and Pryor says it is the middle one - ExecutiveCare - which is the most popular. “This offers full in-patient and out-patient care. The top level one (SpecialCare) is not so popular. People think they can make their own provisions for things like dental treatment and maternity care,” he says.

Expat Insurance Planning & Rousseau

Rousseau stresses, however, that those who haven’t got the right cover can be caught out.“For example, if an expatriate is involved in an accident in another country he can be hung, drawn and quartered. If you are involved in an accident that is not your fault, we have legal expenses cover up to £15,000. And if the reverse is the case and you are charged with causing the accident we can offer personal legal liability cover of up to £1 million,” he says.