Choosing Medical Insurance for Long-Term Travel

Our tips for how to decide on medical coverage abroad, and specifically what to look for in international medical insurance for long-term travellers. We go through our entire decision-making process for our own health insurance for travel, plus what's included in our package and the total amount we pay.

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ABOUT US
Ready to get your finances in shape, leave your job behind and see the world? We're Stephanie and Gillian, a couple who retired early from our corporate careers after many years of saving and investing. We've been traveling the world full time ever since. Every Sunday, we share the inspiration and motivation you need for getting to early retirement and a life of travel.

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MUSIC IN THIS VIDEO
from Epidemic Sound

Times Square by Onda Norte
This Is What She Told Me by Tomas Skyldeberg
Rays of Hope by Tomas Skyldeberg
Broken Trust by Hallman

#MedicalCoverageAbroad #InternationalMedicalInsurance #HealthInsuranceForTravellers #Cigna #SafetyWing

[OurFreedomYears]

What type of insurance do you use for covering your travel? Whether it’s for short trips or full-time travel, let everyone know in the comments below...

[glauciod]

As always the video was detailed, informative and fun to watch. I really enjoy your channel and look forward to watching your future travels. Cheers!

[bradOne]

It's so fantastic and refreshing that your videos are spot on. In that they are detailed, to the point, very informative and most importantly for me, they are not too lengthy. Keep up the great work and all the best for the future 😁

[FIREWeGo]

Thanks for sharing your experience. This will help us immensely in our budget plans!

[virnsky]

Another very informative video. Thanks so much Jillian and Stephanie!!!

[jackbaldwin]

Thank you Stephanie & Gillian!! Very helpful! Happy New Year to you both! Safe travels!

[ActNormalKid]

Thank you so much for being so *detailed*! I really love the transparency on this channel. A lot of similar channels love to give estimations and not exact numbers. I get that salaries and things like that don’t need to be shared, but the specifics you both give actually make it possible for someone else to develop their own plan! Thanks, S and G!

[lursf]

@3:57 thx a lot for mentioning what you actually ended up getting. most other videos are too general to be useful for someone trying to pick a plan or a company. i applaud you for giving specifics. i ended up getting allianz for my trip.

[VegasNegus]

Great video here. I had just finished doing my own search, and found Cigna had the best policy overall for my slow world travel. There were cheaper premiums I found but those also came with exclusions as to countries and benefit caps.
For those living / traveling primarily in Asia a good choice also is Pacific Cross. Happy Landings.

[Telluwide]

NIce video ladies) Thank you) As a long term Expat living in the Republic of Georgia at the moment, I found it extremely helpful. Good luck on your travels)))

[DoingLifeWithYou]

Thanks for sharing, this was really helpful.

[PoolCarol]

Love ya'll and the hard core information you give me. I have dreamed of doing what you are doing my whole life. I guess there are two kinds of people: some are trees and some are tumbleweeds. Clearly ya'll are tumbleweeds and I want to join your ranks. Keep up the great videos. I am learning a lot.

[brianstarr]

Thanks for the video great information

[mmacrini]

Excellent information. I've heard good things about Cigna.

[ChrisAndEmilie]

Very helpful! As we start our nomad life, not having a permanent address always seems to be problematic for things like insurance, drivers licenses etc.

[moneybee]

Very detailed and thorough breakdown! As someone on a FIRE journey myself that is motivated by travel, this was an area I was always curious about. Insurance really adds up, and I appreciate the thoughtful analysis! Great video as always, I'm excited to see more!

[leonardtangty]

Hi I am from Singapore.Nice to hear that you mention my Country.Glad to hear you once work here.

[Val-T.]

Great video, very informative as usual! You guys are still young, and this will not affect you for some time, but I would add a couple of other areas to be researched by anyone over 50: 

- Premium inflation as you age; some companies raise their prices by a huge margin when you reach 60, 70, etc., and it will be difficult to switch to another provider at those ages, especially if you have preexisting conditions. It would be wise to read the premium table by age before committing.

- Right not to renew: will the provider have the right to terminate your contract after the year is up, which they might do if an expensive medical issue like cancer makes you an "unprofitable" client in the future? From my own early research, it looks like some companies (mostly European it seems) guarantee that they will keep you on as a customer, but a lot will either jack up premium prices to drive you out or refuse to renew.

[sylviadiamant]

Because of your video, we decided to get a quote from Cigna Global! We will also be full time baseless international travelers starting in 2022 and began our research. I would love to hear what your experience has been like so far!

[paulnewsom]

We are so glad to find you. You fill a niche, and you do it concisely with excellent detail. We looked for guides that could help us itemize details for our plan to retire and live abroad in BNBs. Perhaps such guides exist. We couldn't find them.

If all goes well we will spend a year planning carefully, settling matters like home sale, run some test trips in U.S. and Canada, and begin a retired life abroad late in 2021. We're not far from you in upstate NY. One quick question which I hope you'll cover(maybe you did and I missed it): How did you decide what to carry and how, or better, which came first, the quantity of your essentials or the luggage you chose. The choice of luggage seems critical. Thanks again. Love what you're doing and how you're doing it.