Working Abroad Insurance: Everything You Need to Know

Working abroad is an exciting experience, but it also comes with risks. One of the most important things to consider when working abroad is insurance. Having the right insurance coverage can help protect you and your family from financial burdens in the event of an accident or illness.

What is Working Abroad Insurance?

Working abroad insurance is a type of insurance coverage designed for individuals who are working or living outside of their home country. This type of insurance typically includes coverage for medical expenses, emergency medical evacuation, and repatriation of remains. It may also include coverage for lost or stolen luggage, trip interruption, and trip cancellation.

Working abroad insurance policies can be purchased for a variety of durations, ranging from a few weeks to several years. They are often available as individual policies, group policies, or as part of an employer-provided benefits package.

Why Do You Need Working Abroad Insurance?

Many people assume that their domestic health insurance coverage will extend to cover them while they are abroad. However, this is often not the case.

Even if your domestic health insurance policy does provide some coverage while you are abroad, it may not be sufficient to cover all of the costs associated with a medical emergency. Additionally, it may not provide coverage for emergency medical evacuation or repatriation of remains.

Without adequate insurance coverage, you could be left with hefty bills for medical treatment, transportation, and other expenses. This could quickly become financially devastating, particularly if you are in a country with high healthcare costs.

What Does Working Abroad Insurance Cover?

The specific coverage offered by working abroad insurance policies can vary depending on the policy and the provider. However, most policies will include coverage for:

Medical expenses
Coverage for medical treatment due to illnesses or injuries
Emergency medical evacuation
Coverage for transportation to a hospital or medical facility in the event of a medical emergency
Repatriation of remains
Coverage for the cost of returning your remains to your home country in the event of your death
Lost or stolen luggage
Coverage for the cost of replacing lost or stolen luggage and personal belongings
Trip interruption/cancellation
Coverage for the cost of canceling or interrupting your trip due to unexpected events

How Much Does Working Abroad Insurance Cost?

The cost of working abroad insurance can vary depending on a number of factors, including your age, health status, destination country, and the coverage limits you choose.

Prices for an individual policy typically range from $1 to $15 per day, depending on the coverage and the length of the policy. Group policies and employer-provided benefits packages may offer more affordable rates.

How Do You Choose a Working Abroad Insurance Policy?

Choosing the right working abroad insurance policy can be a daunting task. Here are some factors to consider when comparing policies:

Coverage Limits

Make sure to check the coverage limits of the policy. Consider your destination country’s healthcare costs and choose a coverage limit that will adequately protect you and your assets.

Medical Evacuation Coverage

Make sure the policy includes medical evacuation coverage. This is particularly important if you will be working in a remote location or a country with limited medical facilities.

Pre-Existing Conditions

Check whether the policy covers pre-existing conditions. Some policies may exclude coverage for pre-existing conditions, which could leave you with hefty bills if you require medical treatment related to a pre-existing condition.

Luggage Coverage

If you will be carrying expensive equipment, make sure the policy includes adequate coverage for lost or stolen luggage.

Provider Reputation

Do your research on the insurance provider. Look for reviews and ratings from other customers, and check whether the provider has a good reputation for customer service and claims processing.


Do I Need Working Abroad Insurance if I Have Travel Insurance?

Travel insurance may provide some coverage for medical expenses and emergency medical evacuation, but it may not be sufficient for a long-term work assignment abroad. Make sure to review the coverage and limits of your travel insurance policy carefully before assuming it will cover you adequately.

Will My Domestic Health Insurance Cover Me Abroad?

Some domestic health insurance policies do offer coverage for medical treatment abroad, but the coverage may be limited. Make sure to review your policy carefully and contact your insurance provider for more information.

What Happens if I Get Sick or Injured and Don’t Have Insurance?

If you get sick or injured while abroad and do not have insurance, you could be left with hefty medical bills that could quickly become financially devastating. In some cases, you may also be denied medical treatment if you cannot pay upfront. It is always better to be safe than sorry and invest in adequate insurance coverage before you travel.

What Happens if I Need to Cancel My Trip Due to an Emergency?

If you need to cancel your trip due to an emergency, such as a family member’s illness or death, the working abroad insurance policy may provide coverage for trip interruption or cancellation. Make sure to review the policy carefully for the specific coverage details.

Can I Purchase Working Abroad Insurance After I’ve Already Left for My Destination?

It is possible to purchase working abroad insurance after you’ve already left for your destination, but it may not provide coverage for pre-existing conditions or for medical treatment related to any illnesses or injuries you experienced prior to purchasing the policy. It is always best to purchase insurance coverage before leaving for your destination.

How Do I File a Claim?

If you need to file a claim, contact your insurance provider as soon as possible. They will provide you with the necessary forms and instructions for filing the claim. Make sure to keep all receipts and documentation related to the claim.


Working abroad can be an exciting experience, but it also comes with risks. Having the right insurance coverage can help protect you and your family from financial burdens in the event of an accident or illness. Make sure to carefully review your insurance options before embarking on your adventure abroad.