Expatriate Medical Insurance and Expat Travel Insurance for Australians

Looking for Expat Travel Insurance or Expat Medical Insurance for your organisation? We’re award-winning business insurance brokers with a depth of experience in providing expatriates with suitable insurance policies for their unique situation. Call us on 1300 400 707 or fill in the form to discuss your options.

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Crucial Insurance has designed a tailored expatriate insurance policy for people working overseas. We provide Expatriate Medical and Associated Travel Insurance within the one policy. This allows your insurance to move with you for the ultimate peace of mind.

How does the policy work?

The Expat Travel Insurance and Expat Medical Insurance policy is a combination of Expatriate Medical and Travel Insurance. It provides yourself or your employees Expat Medical Insurance when you are in your Country of Assignment. It also provides Associated Travel Insurance within the one policy.

There are a number of benefits of Expat Travel Insurance, such as:

Cancellation Insurance prior to departing Australia

Travel Insurance benefits for the first 14 days in your country of assignment

If you return to Australia on a Home Leave visit

When you commence your permanent return trip to Australia

When you are on a trip more than 14 days from your overseas place of residence

Expatriate Medical Insurance - What's covered?

This section is designed to provide Medical Expenses and Evacuation cover whilst you are working overseas in your country of assignment. These benefits extend to:

Medical Expenses

Hospital Expenses

Optical and Dental Expenses

Emergency Evacuation Expenses

Personal Liability

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Associated Expat Travel Insurance - What's covered?

The Associated Travel Insurance benefit is designed to compliment your Expatriate Medical Insurance with Associated Travel Insurance. It provides additional Travel Insurance benefits when you are more than 100km from your place of assignment. The Associated Travel Insurance benefits include:

All benefits available under Expatriate Medical Insurance

Cancellation and Disruption

Baggage and Travel Documents

Rental Vehicle Excess

Personal Accident

Hijack and Detention

Political and Natural Disaster Evacuation

Search and Rescue

Why do clients choose Crucial Insurance for Expat Travel and Medical Insurance?

Having the right Expat Travel Insurance and Overseas Medical Insurance policies in place is crucial when it comes to you or your employees moving overseas. You want to make sure that potentially costly necessities such as medical expenses, optical and dental expenses, lost baggage and political or natural disaster evacuation events are covered, and that you will have peace of mind should situations turn for the worse.

As multi-award-winning business insurance brokers, we use our wealth of multinational experience to go above and beyond for our clients. Our partnerships, insurer network and highly talented experts enable us to design tailored travel insurance policies not commonly available elsewhere.

We are a licensed insurance broker that holds an Australian Financial Services Licence (AFSL). As licensed insurance brokers, we are regularly audited to ensure that we offer an exceptional level of service and integrity – basically, when it comes to insurance, we treat your business as our own. We negotiate with insurers on your behalf, and are highly proactive in providing our clients with an exceptional level of service.

When it comes to Expat Travel and Overseas Medical Insurance, we have the specialist experience and expertise to provide you with the right advice

We pride ourselves in our proactive approach and transparent advisory

We were voted Insurance Broker of the Year 2020 and are dedicated to providing a consistent, high level of service

We negotiate to and speak to insurers on your behalf

Crucial Insurance is a multi-award winning business insurance broker

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Policy Documents

Expatriate Medical and Associate Travel Insurance is issued and underwritten by Chubb Insurance Australia Limited ABN 23 001 642 020, AFSL No 239687.  Crucial Insurance and Risk Advisors Pty Ltd act under an authorisation provided by Chubb under the distribution agreement between the two parties. In this respect we act for Chubb in distributing this product. The information provided is general advice only and does not consider your objectives, financial situation or needs.  To decide if this product is right for you need to read the Expatriate Medical and Associated Travel Insurance PDS.

If you would like to get a quote for an Expatriate Medical and Associated Travel Insurance policy talk to one of Crucial Insurance travel experts.