Expat & Long-Term Travel Insurance Plans
U.S. Residents

Comprehensive Coverage for Extended Stays Abroad

For U.S. citizens living, working, or traveling abroad for extended periods, having the right long-term travel insurance is essential. Whether you’re an expatriate, remote worker, international student, or retiree, our Expat & Long-Term Travel Insurance Plans provide comprehensive medical coverage, emergency assistance, and global protection for stays lasting six months or longer.

Choose From Three
Specialized Generali Plans

Patriot Platinum International Plan

This plan is ideal for expatriates, digital nomads, and long-term travelers needing comprehensive health coverage worldwide.

Key Benefits:

  • Coverage Duration: From 5 days up to 12 months, with renewability options for long-term coverage.
  • Maximum Medical Coverage: Up to $8,000,000 for eligible medical expenses.
  • Emergency Medical Evacuation: Up to $500,000 for emergency transport to the nearest suitable medical facility.
  • Inpatient & Outpatient Care: Full coverage for hospital stays, surgeries, and physician visits.
  • Telemedicine & Urgent Care: Access to virtual consultations and urgent care facilities worldwide.
  • Prescription Drug Coverage: Reimbursement for prescribed medications.
  • Pre-existing Condition Coverage: Limited benefits available (varies by age and policy details).
  • Repatriation of Remains: Up to $100,000 for transportation in case of an unexpected death.
  • Personal Liability Protection: Covers damages or injuries caused to third parties.

Insured Expat Plan

This plan is ideal for travelers needing flexible coverage with essential health benefits while residing abroad.

Key Benefits:

  • Customizable Coverage: Choose coverage limits up to $1,000,000.
  • Medical Expense Protection: Covers up to $100,000 for emergency medical care.
  • Hospitalization & Surgery: Protection for hospital stays and medical procedures.
  • Baggage & Personal Belongings: Up to $1,000 for lost or delayed baggage.
  • Accident Protection: Up to $50,000 in case of accidental injury or death.
  • Emergency Evacuation & Repatriation: Includes coverage for medical evacuations and repatriation of remains.
  • Legal & Translation Services: Assistance with medical-related legal and language translation services.
  • COVID-19 Coverage: Includes protection for pandemic-related medical expenses and quarantine accommodations.

Which Plan Is
Right for You?

This plan is ideal for expatriates, digital nomads, and long-term travelers needing comprehensive health coverage worldwide.

FeatureIMG Global Patriot PlatinumAuras Insured Expat Plan
Maximum CoverageUp to $8,000,000Up to $1,000,000
Emergency Medical EvacuationUp to $500,000Included
Pre-existing Condition CoverageLimitedNot included
Hospitalization & SurgeryCoveredCovered
Baggage & Personal BelongingsNot IncludedUp to $1,000
COVID-19 CoverageNot IncludedIncluded

Why Choose Surf Travel Insurance

Global Medical Coverage

Protection wherever you travel or reside outside the U.S.

Flexible Plan Options

Choose from a range of coverage limits and policy durations.

24/7 Emergency Assistance

Access to worldwide support for medical emergencies and evacuations.

Cost-Effective Alternative

Avoid expensive out-of-pocket medical bills while abroad.

Get Covered Today!

Heading to the mountains? Make sure you’re covered for all your winter sports adventures.

Compare Plans Now

Main Plan Comparison