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Expacare International Health Insurance Plans
Administered in the UK, ExpaCare have a 30 year+ track record of providing international health insurance for expats all over the world. They offer a range of individual and business plans from emergency-only to fully comprehensive. We have found their service to be excellent and they
Key Facts
  • Founded: 1982
  • HQ: UK
  • Support: UK
Eligibility
  • Min Entry Age: 18
  • Maximum Entry Age: 64
  • Policy Holder: Expatriate
Highlights
  • 30 years of experience
  • Member personal direct service
  • Flexible range of plans
  • High maximum limits
  • JLT Group Company
  • Switch from current policy enabled
  • Possible cover for pre-existing conditions
Expacare Choices Plan Options

Choices provides excellent flexibility by providing a fully modular product. Pick and choose from modules One, Two and Three to tightly control what benefits you need. They also provide the option to get covered for temporary trips to the USA.

USA Cover
Option One
Option Two
Option Three
Maternity

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Expacare Choices Member Services

Access a wide range of services from ExpaCare who has over 30 years experience in the international market.

All Choices members receive access to 24/7/365 emergency medical advice and assistance via International SOS - a dedicated specialist and close partner for the last ten years. International SOS draw on their teams of nurses and doctors to determine the best course of action based on your medical condition and practicalities on the ground. ExpaCare's team are highly experienced, speak over 30 languages and operate 24 hours a day to support their clients for claims, support and emergency response.

Expacare Choices Sub Products

The "Choices" product from ExpaCare is modular meaning that you can pay for only what you need by picking benefits and levels of cover from the ground up. You start with their Core Plan which provides emergency-only type in-patient treatment and emergency evacuation which is ideal for the budget conscious. From there you can add Option 1: Cancer Treatment and Chronic Care which provides a choice of the level of care within as: restricted cover ($85,000 lifetime limit) and full cover (no limit).

Option 2: Out-Patient offers three levels of care as follows: Basic, Extended and Advanced which escalate in the benefits provided and their maximum limits. Benefits for this module include things like cover for prescription drugs, physiotherapy, vaccinations and consultations. The final option, Option 3: Additional Benefits offers maternity, dental, wellness and optical.

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You can select a cover area that best reflects your geographic area of need.

Building on their commitment to flexibility, ExpaCare provide three distinct areas of cover to choose from: Europe Only, Worldwide Excluding USA and the Caribean and Worldwide. They will cover you almost every country in the world making them a potentially viable option for expats living or working in the more hazardous locations which are often excluded by other providers.

ExpaCare Table of Benefits
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Kudos to you guys for taking steps to make insurance a more bearable user experience :]

PHILIP, Start-up Co-founder, CHINARating