International Private Medical Insurance

International Private Medical Insurance: Understanding the Options

International private medical insurance is necessary for individuals who are travelling abroad. This blog post will discuss what international private medical insurance is & why you need it. International Private Medical Insurance provides worldwide coverage to people who may not be covered by their government or employer’s national healthcare plan while they’re travelling outside their country of residence.
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Why Is International Private Medical Insurance Necessary?

The International Association for Medical Assistance to Travellers (IAMAT) recommends that international travelers purchase private medical insurance before leaving their country of residence.

International Private Medical Insurance supplies coverage while you are outside your home country. It may help pay medical expenses or reimburse the cost of emergency treatment if you get sick or injure yourself on your trip.

Here’s an interesting fact:

It is a requirement for non-nationals to have private medical cover in some territories before they are granted residency visas or work permits (compulsory in Australia, Switzerland, and the UAE).

It’s true!

UK public healthcare system does not provide care outside the country, so private medical insurance is necessary.

Also, in some territories, it can be challenging to get a refund on unused funds from your international medical trip due to restrictions imposed by their government or hospital system (Canada). International Private Medical Insurance may help cover those expenses and fees as well.

What International Private Medical Insurance Cover?

International private medical insurance is a type of travel health insurance. It provides coverage for expenses incurred due to injury and illness during the trip abroad, including accidents or hospitalization in another country.

The main difference between types of International Private Medical Insurance:

Single vs multi-trip policy – single-trip policies usually cover you only once per year. In contrast, multi-trip policies are typically valid for multiple trips within 12 months (example: up to five times) as long as they don’t exceed 180 days at one time. The latter may come with an additional premium, though, depending on your destination, age, and other factors.

This type of insurance can provide the following benefits:

  • Emergency medical expenses;
  • Repatriation of remains in a worst-case scenario (e.g., death);
  • Pre and post-hospitalization care;
  • Treatment for sudden illness or accident that happened during the trip abroad;

Additionally, it can provide coverage for:

Outpatient services such as doctor’s visits, dental care, and prescription drugs while on vacation abroad;

Short Term International Private Medical Insurance

Provides cover for medical emergencies while on vacation abroad as well as additional coverage.

Short-term international private health care is not intended to provide all of the benefits that long-term worldwide would offer. Still, it can be beneficial in many situations and may also come with a lower price tag than long-term worldwide travel insurance.

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For example, this type of plan gives you protection from sudden illnesses and accidents during your trip; yet, if you need more comprehensive coverage, then it’s necessary to invest in something like a Worldwide Plan which will protect against things such as pre and post-natal care, dental emergencies and more.

Long Term International Private Medical Insurance

It is intended to cover you for medical care while traveling abroad. This type of plan will provide coverage if a sudden illness or accident occurs, so the policy must cover what would be necessary and not just an emergency in general.

Some policies may offer benefits such as prenatal care, dental emergencies, out-of-home healthcare (including baby deliveries), and more; but, all this comes at a higher price tag than short-term international private health insurance, which only provides basic coverage against accidents and illnesses outside of your country.


The benefits may vary depending on what type of International Private Medical Insurance you buy, so be sure to read the policy document carefully before buying one. This is just an introduction to International Private Medical Insurance. There are many detailed aspects I have yet to cover, which will come later in this series about different types of international private medical insurance. The next topic will be an introduction to International Medical Evacuation.

How Do I Compare Different Types of International Private Medical Insurance?

International Private Medical Insurance can be purchased as a standalone product or added to an existing travel insurance policy.

Compare international private medical insurance plans by price, limits of coverage, and what is covered in each type of plan. There are different types of people with pre-existing conditions who will have higher premiums than healthier individuals.

Ask your agent how much you would pay if you already know the details about your health status so that you’re not surprised when it’s time to renew your international private medical insurance plan year after year. Remember – there are no guarantees!

There isn’t one perfect option among these international private medical insurances because they all have their pros and cons, which is why we made this guide full of information on various aspects of international private medical insurance.


If you need International Private Medical Insurance coverage, we’ve partnered with leading providers to bring our readers the best rates on high-quality plans so that your healthcare needs are met without worry.

So, what do you want from International Private Medical Insurance? Do you need low premiums and deductibles, or would high limits of coverage be more critical? Will it cover pregnancy care as well as routine doctor visits? Depending on what’s most important to you, one provider might look better than another – which is why it’s always helpful to compare before committing.

Who Are The Best UK Providers of International Private Medical Insurance?

There are plenty of providers in the UK, but some of our favorites include:

  • AXA International1
  • Worldwide Healthcare Group (WWH)2
  • Humane Society International Health Care Plans.

One of the most critical investments that we can make is securing the appropriate international private medical insurance to ensure peace of mind when you or close family members require health care while overseas.

For more information about these companies and to find out which one might be best for you, give us a call on 01371 226357. We’re always happy to help!

Speak to a Private Medical Insurance Expert

Private medical insurance is an absolute necessity for people who travel overseas. This article shows the differences between international private health insurance and details about what you should know when choosing a personal medical cover.

And the bottom line?

The International Private Medical Insurance advisors can provide you with the best international private medical cover for your needs and find a plan that suits your budget.

Common Questions

What Is the Difference between International Private Medical Insurance (IPMI) And Travel Insurance?

What Is an International Health Insurance Plan?

What Is an International Health Insurance Deductible?

Which International Private Health Cover Plan Should I Choose?

In conclusion

That was only the beginning,

International Private Medical Insurance provides the necessary cover for people to travel abroad with peace of mind that they and their loved ones are protected from unexpected medical expenses.

If you plan to move overseas, it is essential to look at the different International Private Medical Insurance types available and decide which one best suits your needs.

You need a plan that suits your budget and provides worldwide or UK-only coverage for people travelling abroad. If you are looking for an affordable and basic level of cover, you may wish to consider an international health insurance plan with a lower premium.


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