Expatriate Group
International Travel Insurance
The Expatriate Group International Travel Insurance is a travel insurance policy for all nationalities, travelling anywhere in the world for leisure or business, available as a single-trip, worldwide multi-trip, or one-way policy for emigration. A single-trip policy can be purchased up to age 72, an annual multi-trip policy up to age 71.
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Voor wie is deze verzekering geschikt?
- All nationalities, travelling anywhere in the world for leisure or business.
- Travellers who want cover for one specific trip of up to 180 days.
- Frequent travellers: an annual multi-trip policy covers any trip abroad.
- Emigrants and returnees, with a one-way policy to the country of destination.
- Single Trip before age 72, an annual policy before age 71.
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Emergency Medical Evacuation
Air ambulance and repatriation for medical treatment, up to €100,000.
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Emergency & Accidental Treatment
Hospital, surgery and prescribed medicines, up to €1,000,000.
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Enhanced Benefits & Protection
Standard plan: baggage, personal liability, accidents and travel delay.
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Cancellation & Curtailment Cover
Comprehensive plan: cover if your trip is cancelled or cut short.
Wat is er gedekt?
Klap een onderdeel open voor wat wel en niet is verzekerd, de bedragen.
Wat is verzekerd
- Air ambulance, when appropriate medical treatment is not available locally.
- Travel and accommodation of one person who joins or accompanies you on medical advice.
- Continuation: travel to your initial destination to continue your originally booked itinerary.
- Repatriation for medical treatment to your country of residence, once you are medically stable.
- Care management, and 24-hour access to trained nurses.
Wat is niet verzekerd
- An evacuation that has not been pre-approved by Expat Assist.
- Treatment that can wait until you return to your country of residence.
Maximale vergoedingen
- Section maximum
- €100,000
- Air ambulance and repatriation for treatment
- 100%
- Accompaniment
- €300 per day, up to €3,000
- Continuation
- up to €5,000
Let op
An emergency evacuation must be pre-approved by Expat Assist, their medical advisors and the attending physician. Expat Assist is available on +44 (0)20 8181 3818, 24 hours a day.
Wat is verzekerd
- Treatment by authorised physicians, nurses and specialists.
- Hospitalisation in a semi-private room, including surgery and anaesthesiologist.
- Prescribed medicines and dressings, and local transport to and from the place of treatment.
- Physiotherapy and chiropractors for inpatients, up to €2,500.
- Emergency dental treatment after an accident, for immediate relief of pain, up to €500.
- Non-hazardous sports up to €150,000, and repatriation of mortal remains up to €25,000.
Wat is niet verzekerd
- Pre-existing conditions, unless the Stable Pre-existing Conditions Extension was purchased.
- Treatment likely to exceed €1,000 that has not been pre-approved.
- Extreme sports, and events on land occurring over 3,500 metres.
- Drugs and alcohol.
- Maternity after 20 weeks, unless the result of an accident.
- Treatment that can wait until after the trip, and treatment after expiry of the policy.
Maximale vergoedingen
- Section maximum
- €1,000,000
- Physiotherapy and chiropractors
- €2,500, inpatient only
- Limited motorcycle and sports vehicle cover
- €10,000, injuries only
- Repatriation of mortal remains
- €25,000
- ATMSafe
- €500
Let op
Any medical claim likely to exceed €1,000 is required to be pre-authorised by the insurer. Contact Expat Assist on +44 (0)20 8181 3818, 24 hours a day, 7 days a week.
Benefits apply only when you are outside your country of residence.
Wat is verzekerd
- Baggage delay: €100 per day, up to €700 (not on One Way trips).
- Baggage loss or theft: €500 per item, up to €2,500, with a €100 deductible.
- Personal liability up to €100,000, and legal expenses up to €10,000.
- Accidental death & disability / permanent total disability, up to €100,000.
- Money and documents up to €500, and loss of passport up to €250.
- Travel delay €100 per day, up to €1,000 (not on One Way trips); missed departure up to €1,000.
Wat is niet verzekerd
- Baggage loss or theft not reported to the police.
- Unattended baggage, and loss of or damage to mobile phones.
- Employers or contractual liability.
- Travel delay due to strike or industrial action.
- Legal expenses incurred without the insurer's agreement, or with no prospect of success.
Maximale vergoedingen
- Additional hospital benefit
- €75 per day, up to €600
- Physical assault
- €5,000
- Hijacking
- €1,000
- Non-medical emergency evacuation
- €1,500 (war, civil unrest, natural disasters)
Wat is verzekerd
- Cancellation and curtailment of your trip, up to €2,000, with a €100 deductible (Comprehensive).
- Compassionate repatriation (family return), up to €6,000 (Comprehensive).
- All benefits of the Basic and Standard plans.
Wat is niet verzekerd
- Cancellation or curtailment due to an event known prior to purchase.
- Cancellation and curtailment cover purchased within 48 hours of departure.
- Cancellation cover for residents of the USA.
Maximale vergoedingen
- Cancellation and curtailment
- €2,000, €100 deductible
- Compassionate repatriation
- €6,000
Let op
Trip cancellation is limited to non-refundable expenses. You declare the total trip cost at the time of the claim and provide proof of purchase.
The 14-day cooling-off period does not apply to the Comprehensive plan: with its cancellation benefit, the policy is in force from inception.
Wat is verzekerd
- Add on 1, winter sports (max 21 days per year): ski equipment, ski hire, ski pack and piste closure.
- Add on 2: business equipment up to €1,500, and business money up to €500.
- Add on 3, golf (max 21 days per policy period): golf equipment up to €1,000.
- Stable Pre-existing Conditions Extension: acute exacerbations, up to €50,000 or €100,000.
Maximale vergoedingen
- Ski equipment, owned or hired
- up to €300
- Ski hire, ski pack and piste closure
- €25 to €50 per day, up to €300
- Business equipment hire
- €100 per day, up to €500
- Golf equipment hire and golfing fees
- €50 per day, up to €250 each
Let op
The Stable Pre-existing Conditions Extension only applies where specifically purchased and noted on your Certificate of Insurance.
Waar u op moet letten
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Medical claims above €1,000 need pre-authorisation
Any medical claim likely to exceed €1,000 is required to be pre-authorised by the insurer. Failure to seek pre-authorisation will result in your claim being denied. Contact Expat Assist on +44 (0)20 8181 3818, 24 hours a day, 7 days a week.
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No cover for pre-existing medical conditions
The Basic policy covers emergency medical treatment and repatriation, not related to any pre-existing medical conditions. Cover for acute exacerbations of stable pre-existing conditions is only available with the Stable Pre-existing Conditions Extension, for an additional premium.
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Check sports and Covid-19 cover
Check the Policy Wording on page 8 for what sports are included and excluded. Cover for illness because of Covid-19 applies only to fully vaccinated persons; check the Covid-19 endorsement.
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14 days cooling-off period
After purchase of the insurance there is a 14 days 'cooling off period' in which you can cancel the insurance, but only if the trip has not started yet and no claim has been made. If you added the cancellation cover (Comprehensive plan), the insurance is not refundable at all.
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Multi Trip is a 1 year policy without tacit renewal
Multi Trip insurance is a 1 year policy without tacit renewal, though you will be contacted after the first year by The Expatriate Group by email to renew your cover at a discount.
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Questions go directly to Expatriate Group
Questions, complaints and remarks on this insurance can be directed to Expatriate Group directly. As a broker, JoHo Insurances is not informed by Expatriate Group of the type and specifics of the insurance you purchased online, so we cannot verify afterwards whether it fits your needs.
Veelgestelde vragen
Liever persoonlijk advies? Onze adviseurs kijken met u mee naar uw situatie, uw bestemming en de voorwaarden die daarbij horen.
Vraag gratis adviesPremie berekenen
Bereken uw premie met de vergelijkingstool
Voor deze verzekering is geen eigen premietool beschikbaar. In onze algemene vergelijkingstool berekent u een premie-indicatie en ziet u meerdere verzekeraars naast elkaar. Aanvragen doet u niet in de tool, maar via JoHo Insurances.
Naar de vergelijkingstool
Wat bepaalt uw premie?
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The plan you choose
The mandatory Basic plan can be extended with the Standard plan or the Comprehensive plan. With a core policy and additional policy options, you adapt cover and premium.
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Optional add ons
Add on 1 (winter sport equipment), Add on 2 (business equipment and money) and Add on 3 (golf equipment) are optional extras on top of your plan.
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Your area of cover
You choose Europe or Worldwide. You are not covered outside your chosen area, which is stated in your Certificate of Insurance.
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Stable pre-existing conditions
Cover for acute exacerbations of stable pre-existing conditions is only possible with the Stable Pre-existing Conditions Extension, for an appropriate additional premium.
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The age of the travellers
Children's rates apply to dependent children aged 2 to 16 travelling with a parent or legal guardian. Infants from 14 days up to age 2 are covered with an insured parent for no additional premium.
Kortingen
Renewal discount on Multi Trip
After the first year you will be contacted by The Expatriate Group by email to renew your Multi Trip cover at a discount. Renewals more than 30 days after expiry are no longer eligible for the renewal discount.
Zo vraagt u deze verzekering aan
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Lees de Policy Wording
We advise at all times to read the Policy Wording thoroughly before you issue the policy online. By issuing the policy online, we expect you to have read and to comply with the Policy Wording.
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Bereken uw premie en vraag online aan
Fill out the online quote and application tool to get your Expatriate Group International Travel Insurance. You choose the type of trip, your area and plan, and any add ons.
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Betaal de premie
You must purchase cover before you travel. You pay for your insurance in full using a debit or credit card before the start of your policy.
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Ontvang uw polisdocumenten
Your policy start and end date are in your Schedule of Insurance, and your area of cover is stated in your Certificate of Insurance.
Wat heeft u nodig?
- The dates of your trip: the policy period must cover the entirety of the trip.
- Your country of residence, and for a One Way trip your destination country.
- The details of family members travelling with you; they need the same cover.
- Children aged 14 days up to 2 years, to be declared at the time of purchase.
- A debit or credit card to pay the premium in full.
Direct aanvragen
Afwijkende aanvraagroute
Do you have a question about this insurance?
We are happy to answer your questions about Expatriate Group International Travel Insurance. Fill out the contact form at https://www.expatverzekering.nl/forms/expatriate-group-international-travel-insurance/.
Waarom afsluiten via JoHo Insurances
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Dezelfde premie
U betaalt via JoHo Insurances dezelfde premie als wanneer u de verzekering rechtstreeks bij de verzekeraar afsluit.
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Gratis persoonlijk advies
Vul het adviesformulier in en u krijgt een gratis advies dat is afgestemd op uw persoonlijke situatie en plannen.
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Hulp bij schade en declaraties
Loopt er iets mis of komt u er met een declaratie niet uit, dan helpen wij u en bemiddelen wij bij de verzekeraar.
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Nederlandstalig aanspreekpunt
U spreekt of mailt in het Nederlands met ons kantoor in Leiden, ook als u aan de andere kant van de wereld woont.
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AFM-erkend bemiddelaar
JoHo Insurances is een door de AFM erkend bemiddelaar (nr. 12043929) in verzekeringen.
Alarmcentrale
Contact met JoHo Insurances