{"id":8941,"date":"2024-12-12T16:19:33","date_gmt":"2024-12-12T21:19:33","guid":{"rendered":"https:\/\/travelguardian.ca\/?page_id=8941"},"modified":"2025-12-01T14:17:37","modified_gmt":"2025-12-01T19:17:37","slug":"expatriates","status":"publish","type":"page","link":"https:\/\/travelguardian.ca\/en\/canadians-abroad\/expatriates\/","title":{"rendered":"Expatriates"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; admin_label=&#8221;Hero Area&#8221; module_id=&#8221;home&#8221; module_class=&#8221;section-id&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_direction=&#8221;178deg&#8221; background_color_gradient_stops=&#8221;rgba(13,14,29,0.65) 52%|gcid-primary-color 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; 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body_line_height=&#8221;160%&#8221; background_color=&#8221;#FFFFFF&#8221; position_origin_a=&#8221;bottom_left&#8221; z_index=&#8221;99&#8243; width=&#8221;100%&#8221; custom_margin=&#8221;||32px||false|false&#8221; custom_padding=&#8221;5px|32px|5px|32px|true|true&#8221; animation=&#8221;off&#8221; link_option_url=&#8221;#&#8221; custom_css_blurb_image=&#8221;order:1;||background:#A5CE4D;||min-width:60px;||height:60px;||display:flex;||align-items:center;||justify-content:center;||margin-bottom:32;||margin-left:auto||&#8221; custom_css_blurb_content=&#8221;display:flex;||gap:24px;||    justify-content: space-between;||&#8221; border_width_left=&#8221;2px&#8221; border_color_left=&#8221;#A5CE4D&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>In addition to emergency medical expenses, expatriate insurance can include coverage for continued treatments, specialist visits, and medications for pre-existing conditions, ensuring you can manage your health without worrying about unexpected costs.<\/span><\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=&#8221;What if you had to return to Canada for medical reasons?&#8221; image_icon_width=&#8221;32px&#8221; content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Red Hat Display|700|||||||&#8221; header_font_size=&#8221;24px&#8221; header_line_height=&#8221;120%&#8221; body_font=&#8221;Lato||||||||&#8221; body_text_color=&#8221;#555555&#8243; body_font_size=&#8221;16px&#8221; body_line_height=&#8221;160%&#8221; background_color=&#8221;#FFFFFF&#8221; position_origin_a=&#8221;bottom_left&#8221; z_index=&#8221;99&#8243; width=&#8221;100%&#8221; custom_margin=&#8221;||32px||false|false&#8221; custom_padding=&#8221;5px|32px|5px|32px|true|true&#8221; animation=&#8221;off&#8221; link_option_url=&#8221;#&#8221; custom_css_blurb_image=&#8221;order:1;||background:#A5CE4D;||min-width:60px;||height:60px;||display:flex;||align-items:center;||justify-content:center;||margin-bottom:32;||margin-left:auto||&#8221; custom_css_blurb_content=&#8221;display:flex;||gap:24px;||    justify-content: space-between;||&#8221; border_width_left=&#8221;2px&#8221; border_color_left=&#8221;#A5CE4D&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Our plans can include repatriation coverage, which helps coordinate and pay for your return to Canada if you need treatment that can\u2019t be provided abroad.<\/span><\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=&#8221;What if your family is relocating with you?&#8221; image_icon_width=&#8221;32px&#8221; content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Red Hat Display|700|||||||&#8221; header_font_size=&#8221;24px&#8221; header_line_height=&#8221;120%&#8221; body_font=&#8221;Lato||||||||&#8221; body_text_color=&#8221;#555555&#8243; body_font_size=&#8221;16px&#8221; body_line_height=&#8221;160%&#8221; background_color=&#8221;#FFFFFF&#8221; position_origin_a=&#8221;bottom_left&#8221; z_index=&#8221;99&#8243; width=&#8221;100%&#8221; custom_margin=&#8221;||32px||false|false&#8221; custom_padding=&#8221;5px|32px|5px|32px|true|true&#8221; animation=&#8221;off&#8221; link_option_url=&#8221;#&#8221; custom_css_blurb_image=&#8221;order:1;||background:#A5CE4D;||min-width:60px;||height:60px;||display:flex;||align-items:center;||justify-content:center;||margin-bottom:32;||margin-left:auto||&#8221; custom_css_blurb_content=&#8221;display:flex;||gap:24px;||    justify-content: space-between;||&#8221; border_width_left=&#8221;2px&#8221; border_color_left=&#8221;#A5CE4D&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>We offer family plans to protect you, your spouse, and dependents, ensuring the whole family is covered as you settle into your 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[et_pb_line_break_holder] --><\/script>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f5f5f5&#8243; custom_padding=&#8221;115px||115px|||&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;3_5,2_5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;Red Hat Display||||||||&#8221; header_2_font_size=&#8221;40px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2><strong>Get Expatriate Insurance Coverage Today!<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Lato||||||||&#8221; text_font_size=&#8221;21px&#8221; text_line_height=&#8221;1.6em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span class=\"OYPEnA font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">Living abroad is an exciting adventure, but managing healthcare in a new country can be overwhelming. Whether you&#8217;re moving overseas for work, retirement, or an extended stay, Travel Guardian offers <strong>expatriate insurance<\/strong> designed to give you peace of mind while living away from Canada. Call us to begin at <a href=\"tel:1-888-831-9338\" target=\"_blank\" draggable=\"false\" rel=\"noopener\" class=\"OYPEnA font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">1.888.831.9338<\/a>.<\/span><\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/get-a-quote\/&#8221; button_text=&#8221;Get a Quote&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;21px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#A5CE4D&#8221; button_border_width=&#8221;0px&#8221; button_border_color=&#8221;#defe5d&#8221; button_border_radius=&#8221;12px&#8221; button_font=&#8221;Lato|600|||||||&#8221; button_use_icon=&#8221;off&#8221; positioning=&#8221;relative&#8221; z_index=&#8221;99&#8243; custom_margin=&#8221;53px|6px||2px|false|false&#8221; custom_padding=&#8221;15px|42px|15px|42px|true|true&#8221; hover_transition_delay=&#8221;50ms&#8221; 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_builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; min_height=&#8221;734.4px&#8221; custom_margin=&#8221;||||false|false&#8221; custom_margin_tablet=&#8221;80px||||false|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;115px||115px||true|false&#8221; custom_padding_tablet=&#8221;80px||80px||true|false&#8221; custom_padding_phone=&#8221;&#8221; custom_css_free_form=&#8221;.et_pb_toggle.et_pb_module.et_pb_accordion_item.et_pb_toggle_open:before {||    position: absolute;||    content: %22%924b%22;||    height: 100%;||    top: 0px;||    right: 0px;||    font-family: ETmodules !important;||    font-weight: 400 !important;||    font-size: 20px;||    margin-right: 18px;||    margin-top: 9px;||  color:#0d0e1d||}&#8221; da_disable_devices=&#8221;off|off|off&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;2_5,3_5&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;90%&#8221; max_width=&#8221;1200px&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Lato|600||on|||||&#8221; text_text_color=&#8221;#3e92cc&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;120%&#8221; custom_margin=&#8221;||16px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Frequently Asked Questions<\/p>\n<p>[\/et_pb_text][et_pb_blurb title=&#8221; Travel Insurance for Expatriates&#8221; content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h2&#8243; header_font=&#8221;Red Hat Display|700|||||||&#8221; header_text_color=&#8221;#0d0e1d&#8221; header_font_size=&#8221;48px&#8221; header_line_height=&#8221;120%&#8221; body_font=&#8221;Lato||||||||&#8221; body_text_color=&#8221;#555555&#8243; body_font_size=&#8221;18px&#8221; body_line_height=&#8221;160%&#8221; custom_margin=&#8221;||42px||false|false&#8221; header_font_size_tablet=&#8221;40px&#8221; header_font_size_phone=&#8221;32px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; custom_css_blurb_title=&#8221;padding-bottom:32px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Relocating abroad comes with many unknowns. To help, we\u2019ve answered the most common questions about expatriate insurance.<\/p>\n<p>From managing ongoing medical conditions to understanding emergency coverage while living internationally, our goal is to ensure you have the information you need to feel confident and protected.<\/p>\n<p>Whether you\u2019re adjusting to a new healthcare system or planning for the unexpected, we\u2019re here to provide the support and expertise you deserve.<\/p>\n<p>[\/et_pb_blurb][et_pb_button button_url=&#8221;https:\/\/www.imglobal.com\/img-producer-insurance-plans\/patriot?IMGAC=547059&#038;uservar=TGOnline&#8221; button_text=&#8221;Buy Expatriate Coverage Online&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#3e92cc&#8221; button_border_width=&#8221;0px&#8221; button_border_color=&#8221;#defe5d&#8221; button_border_radius=&#8221;12px&#8221; button_font=&#8221;Lato|600|||||||&#8221; button_use_icon=&#8221;off&#8221; positioning=&#8221;relative&#8221; z_index=&#8221;99&#8243; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;15px|42px|15px|42px|true|true&#8221; hover_transition_delay=&#8221;50ms&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|desktop&#8221; button_bg_color__hover=&#8221;#003250&#8243; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|||80px|false|false&#8221; custom_padding_tablet=&#8221;|||0px|false|false&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion icon_color=&#8221;#0d0e1d&#8221; use_icon_font_size=&#8221;on&#8221; icon_font_size=&#8221;24px&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; toggle_text_color=&#8221;#0d0e1d&#8221; toggle_level=&#8221;h3&#8243; toggle_font=&#8221;Red Hat Display|700|||||||&#8221; toggle_font_size=&#8221;24px&#8221; toggle_line_height=&#8221;120%&#8221; body_font=&#8221;Lato||||||||&#8221; body_text_color=&#8221;#555555&#8243; body_font_size=&#8221;16px&#8221; body_line_height=&#8221;160%&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion_item title=&#8221;What kind of healthcare expenses does expatriate insurance cover?&#8221; open=&#8221;on&#8221; toggle_icon=&#8221;&#x4c;||divi||400&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; border_width_all=&#8221;0px&#8221; border_width_bottom=&#8221;1px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Expatriate insurance typically covers emergency medical care, routine healthcare, and prescription medications, depending on your policy. Whether it\u2019s an unexpected injury or a regular doctor\u2019s visit, you can feel secure knowing you\u2019ll have access to quality care while abroad.<\/p>\n<ul><\/ul>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Will I still be covered if I travel to another country while living abroad?&#8221; toggle_icon=&#8221;&#x4c;||divi||400&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; border_width_all=&#8221;0px&#8221; border_width_bottom=&#8221;1px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Yes! Many expatriate insurance plans include coverage for temporary travel to nearby countries. It\u2019s perfect for weekend trips or short business visits, ensuring you remain protected no matter where you go.<\/p>\n<ul><\/ul>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;How do I handle ongoing medical conditions while living overseas?&#8221; toggle_icon=&#8221;&#x4c;||divi||400&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; border_width_all=&#8221;0px&#8221; border_width_bottom=&#8221;1px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Expatriate insurance often includes coverage for pre-existing conditions, as long as they are declared during the application process. Your policy can help cover recurring medical appointments, treatments, and prescription refills so you can continue your care seamlessly.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Can I adjust my coverage if my needs change during my time living abroad?&#8221; toggle_icon=&#8221;&#x4c;||divi||400&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; border_width_all=&#8221;0px&#8221; border_width_bottom=&#8221;1px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Absolutely. Life abroad can come with unexpected changes, and many expatriate plans offer flexibility to upgrade or adjust your coverage. Our agents are here to help ensure your insurance adapts to your evolving needs.<\/p>\n<ol><\/ol>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; make_equal=&#8221;on&#8221; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; specialty=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; padding_top_1=&#8221;0px&#8221; padding_top_2=&#8221;42px&#8221; padding_bottom_1=&#8221;0px&#8221; padding_top_bottom_link_1=&#8221;true&#8221; padding_top_bottom_link_2=&#8221;false&#8221; padding_left_right_link_1=&#8221;false&#8221; padding_left_right_link_2=&#8221;false&#8221; padding_2_tablet=&#8221;16px||||false|false&#8221; padding_2_phone=&#8221;70px||||false|false&#8221; padding_2_last_edited=&#8221;on|tablet&#8221; admin_label=&#8221;About Area&#8221; module_id=&#8221;about&#8221; module_class=&#8221;section-id&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; 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