Review your coverage for life abroad.
Moving overseas can change which insurance and protection arrangements make sense. Our contributing insurance specialists, Ron Sussman and Anthony Giannone, inform this area — we help you understand what’s worth reviewing, and who to review it with.
What to review before and after a move
Coverage that worked at home may need to change once you’re living abroad.
- Health coverage that’s valid in your new country of residence.
- How existing U.S. policies may or may not travel with you.
- Life, disability, and protection arrangements for a cross-border household.
- Travel and transitional coverage during the move itself.
- Long-term care and healthcare access planning, especially for retirees.
Common insurance & protection topics
Health coverage
Understanding options for healthcare access in your host country.
Existing U.S. policies
General considerations on whether current coverage still fits.
Long-term care
Planning for healthcare needs later in life, abroad.
Household protection
Reviewing life and protection cover for the whole family.
Transitional cover
Bridging coverage during the move and early settling-in period.
Coordination
Aligning protection with your broader financial plan.
Common questions.
Will my U.S. health insurance work abroad?
Often it will not provide the coverage you expect once you are resident elsewhere, and Medicare generally does not cover care outside the U.S. Reviewing host-country options early is sensible.
What should I review first?
Health coverage valid in your new country, whether existing U.S. policies travel with you, and transitional coverage for the move itself are common starting points.
Does US Expat sell insurance?
No. US Expat provides educational guidance and can introduce you to qualified, licensed professionals who can review suitability for your situation.
Related insights.
Health Cover Abroad: What Medicare Does Not Do, and What the Rules Actually Say
Medicare’s four foreign-care exceptions are narrower than most summaries suggest. The rules on penalties, on enrolment periods, and on access to European public systems each contain a detail that changes the picture.
FBAR and FATCA: Two Reports, Two Agencies, One Widely Confused Pair
Neither form computes a tax. Both carry penalties large enough to matter, and the penalty figures most often quoted are the un-indexed statutory ones rather than the amounts actually in force.
Sequence-of-Returns Risk Abroad: The Second Sequence Nobody Models
Two retirees can earn the same average return and end up in different places, because withdrawals make the order of returns matter. An American retiring into the euro area is exposed to a second ordering problem — the exchange rate — and central bank data show it has been as large as the market one.
A note on insurance content
Insurance availability, underwriting, policy features, and suitability depend on individual circumstances, residency, health, citizenship, and carrier requirements. This content is general in nature and should be reviewed with a qualified insurance professional.
Where does this fit in your move?
Start with the questionnaire and we’ll point you to the most relevant resources.
