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The Difference Between Expat and Travel Insurance: What You Need to Know

Are you planning to move abroad or go on a long trip overseas? As exciting as it may be, it’s important to consider getting insurance to protect yourself and your belongings. However, with so many options available in international health insurance, it can be confusing to distinguish between expat and travel insurance. In this article, we’ll explore their differences and help you figure out which one suits your needs.

Expat Insurance

Expat insurance is designed for individuals who are planning to move abroad and reside in a foreign country for an extended period of time. It mostly covers emergencies related to health, safety, and legal matters. Some common features of expat insurance include medical care, emergency evacuation, repatriation, and legal assistance. Additionally, some policies can cover your personal belongings and liability insurance. Expat insurance can also be extended to your family members who are travelling with you.

Travel Insurance

Travel insurance, on the other hand, is designed for short-term trips and can be used by vacationers, business travellers, and digital nomads. It covers expenses that can occur during travel like trip cancellation, lost luggage, flight delays, medical emergencies, and even death. There are different types of travel insurance policies that cater to specific needs. For instance, there are policies specifically designed for students or adventure travellers that cover activities like skiing, bungee jumping, or scuba diving.

Benefits of Expat and Travel Insurance

Expats and travellers may face unexpected situations during their journey that can lead to financial loss, cancellation of travel plans, or unexpected medical expenses. Both expat and travel insurances come with a range of benefits that can protect you from such situations.

For expats, medical emergencies can occur anytime, and without proper insurance, they may have to face hefty medical bills. Expat insurance covers the costs of medical treatment, hospitalisation, and emergency evacuation, giving you peace of mind. Moreover, it also covers legal assistance in case of a dispute that arises while living abroad.

Similarly, travel insurance provides coverage against unforeseen events like flight cancellations, lost or stolen luggage, and medical expenses during your trip. Travel insurance also helps if you need to cancel your trip due to any unavoidable circumstances, such as personal illness, family emergencies, or natural disasters.

Expats living in Mauritius

Expats insurance in Mauritius caters specifically to expats’ needs. The Mauritian government has made it mandatory to have health insurance coverage for expats who work in the country. This has led to a plethora of insurance options in Mauritius for expats to choose from. The most common types of health insurance plans offered in Mauritius are hospitalisation plans, outpatient benefits, and financial protection plans.


When it comes to choosing between expat and travel insurance, it’s important to analyse your specific needs, travel duration, and location. Expats may require comprehensive coverage against long-term uncertainties, while travellers may need protection against short-term situations. However, both types of insurance provide a range of benefits that can protect you from unforeseen circumstances during your journey. Whatever your choice may be, ensure you read the policy terms and conditions carefully before buying, and always consult with an expert to make an informed decision.

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