Frequently Asked Questions

Please find below some answers to some frequently asked questions from expatriates in search of international health insurance, travel insurance and expat life and disability insurance. If you do not have an answer to your expatriate insurance question, please contact us and we will get back to you as soon as possible

Table of Contents

  1. Do you charge for quotations?
  2. Who do I pay the premiums to?
  3. What is a deductible in a health plan?
  4. Does Expat Financial offer many different plans?
  5. Can I obtain coverage after I have left my country of origin?
  6. Can Expat Financial provide coverage to local citizens?
  7. How do I obtain a quote?

Note: The policies we offer are not available via TFG Global Insurance Solutions Ltd. or its related web sites to citizens currently residing in the USA.


Do you charge for quotations ?

No, There are no charges for Expat Financial providing quotations as we are compensated by the insurance company you choose. The insurance company’s premium is the same price either way and you get the added service and information. You can get a quote via email or via our quote page.

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Who do I pay the premiums to?

All insurance premiums are paid directly to the insurance company you choose for your added protection. Most the companies we service will allow you to pay the premium by credit card, wire, cheque and bank debit. You can usually pay in a variety of currencies.

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What is a deductible in a health plan?

A deductible is the amount of eligible medical expenses that must be paid by the insured before the insurance company begins to reimburse for covered expenses – usually over a calendar or policy year basis. For example, if you incur $5,000 in expenses with a plan that has a $500 deductible, you pay for the first $500 in charges and the insurance company pays the remaining charges.

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Does Expat Financial offer many different insurance company plans?

Yes, we have access to many different insurance companies from around the world. We usually recommend one or two different insurance firms depending on your circumstances and needs.

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Can I obtain coverage after I have left my country of origin?

Yes, some plans will even cover you either shortly before you leave or can even cover you in your country of residence.

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Can Expat Financial provide coverage to local citizens?

Yes, in many areas throughout the world for health or travel insurance, especially in less developed countries. Contact us to see if we can arrange coverage for you. Expatriate life and disability insurance is only available to citizens who live outside the country for which they hold a passport.

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How do I obtain a quote?

Simply go to the Quote Page for individual quotes. Corporations can go to the bottom of the Group Insurance Page. Feel free to check out the Contact Page.

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Expat Financial is a division of TFG Global Insurance Solutions Ltd.