Same basic idea, different name — here’s when you’ll actually see “excess” instead of “deductible” on an expat plan. If you’re comparing expat health insurance plans, you might run into the word “excess” instead of “deductible” — and wonder if it’s something new to watch out for. It’s closely related to a deductible, not something […]
Recent Articles
What Is Group Travel Insurance for Short-Term Teams?
How one policy can cover your whole team traveling overseas. If your organization sends people overseas as a team — a short-term faith-based trip, a volunteer deployment, a student or school trip, or a short-term corporate assignment — a group travel insurance plan may allow an organization to enroll the traveling team under one policy, […]
Who Can Get Expat Medical Insurance? Eligibility Explained
A guide to who qualifies for expat medical insurance abroad. If you’re moving overseas for work, ministry, or a family relocation, you may be wondering whether you qualify for an expat medical insurance plan. In general, these plans are built for people living or working outside their home country for an extended stay, and eligibility […]
3 Common Questions About Expat Medical Insurance
Quick answers on ACA rules, timing, and quote differences. Since 1997, GNI’s team has answered thousands of questions from expats moving all over the world. A few come up more often than others, so here are quick, straightforward answers to three questions we hear regularly. Does My Expat Medical Insurance Plan Meet ACA Requirements? International […]
Political Evacuation Travel Insurance: A Must When Traveling Overseas
What political evacuation coverage actually covers, and how it fits into your travel insurance plan. Political unrest and sudden travel advisories aren’t something anyone plans for, but they do happen. If things get unstable where you’re traveling, political evacuation coverage can be the difference between a stressful scramble and a genuine crisis. Here’s what it […]
When Can You Apply for Expat Health Insurance?
Why timing your application early can work in your favor. If you’re getting ready to move overseas, you may be wondering exactly when you’re allowed to apply for expat health insurance. The short answer: there’s typically no fixed calendar window to wait for — but the timing still matters. Is There a Set Enrollment Window? […]
Does Expat Medical Insurance Cover Maternity Care?
What expat parents-to-be should know before they move. You’re getting ready to move overseas, and somewhere between researching schools and packing boxes, the question comes up: what happens if you want to start or grow your family while you’re there? Short answer: it depends on the plan. Not every expat medical insurance plan includes maternity […]
How Family Deductibles Work on Expat Medical Insurance
What changes when more than one person is on your plan. Hannah and her husband Zachary were getting ready to move overseas with their two kids when they asked us a good question: once you add a family to an expat medical insurance plan, how does the deductible actually work? Short answer: a family deductible […]
Emergency Medical Evacuation Insurance: What It Actually Covers When Things Go Wrong Overseas
Here’s what a real emergency medical evacuation looks like, using a Bali (and Lombok) vacation as an example Picture this: you’re on a long-awaited trip to Bali, maybe island-hopping over to Lombok for a few quieter days near Mount Rinjani or the Gili Islands. Everything’s going great until it isn’t — a bad fall on […]
GMI Platinum International Medical Insurance
A plain-English guide to coverage, evacuation, and claims. If you’re looking for strong health insurance while living overseas or traveling frequently, the GMI Platinum plan from IMG is worth a close look. It’s one of the most comprehensive long-term international medical insurance plans available, and it’s built to feel close to the health plans Americans […]
Single-Trip or Multi-Trip Travel Insurance? How to Know Which One Saves You Money
It usually comes down to one number: how many overseas trips you’re actually taking this year A lot of frequent travelers buy a brand-new single-trip plan every time they head overseas, without ever checking whether an annual travel plan would have already paid for itself by the second or third trip. It’s an easy thing […]
Travel Insurance or Expat Health Insurance? How to Know Which One You Need
The first question to answer before you start shopping: are you traveling, or relocating? One of the most common mix-ups we see since our founding in 1997: someone searches “travel insurance” when what they actually need is expat health insurance — or the other way around. It’s an easy mistake. The two categories sound similar, […]
Why Do I Need Travel Insurance While Overseas?
Going Overseas? Many Ask: Why Do I Need Travel Insurance? There are many things to prepare when traveling overseas. For example, it’s important to make sure your passport is still good for at least six months, you have a visa if necessary, your vaccinations are up to date, you have purchased travel health insurance, and […]
7 of The Best Leakproof Coffee Travel Mugs
The 7 Best Leakproof Coffee Mugs for Overseas Travel Traveling is exciting, but it can also be incredibly exhausting. Sleep is important to stay fresh but can be difficult to come by when moving from place to place and trying to enjoy all the sights. Coffee is our go-to way to stay energized through the […]
Monkeypox Travel Restrictions: What to Know for 2026
How to Travel with Restrictions Due to Monkeypox When traveling overseas, the last thing you want to encounter is an outbreak of a deadly disease. Many of these can now be avoided due to vaccines being available. However, not everyone has access to the vaccines, which causes the diseases to be able to spread. Some […]
