International Health Insurance for Perpetual Travelers
Portable, region-flexible medical coverage designed for people who maintain continuous travel and need reliable care across multiple countries year-round.
Key Facts
International Health Insurance for perpetual travelers at a glance
Annual medical limits commonly €500,000. No overall limit.
Deductible choices often 0€ – 5.000€ per policy year.
Worldwide (excl. USA) or Worldwide (incl. USA) region choices.
Telemedicine 24/7; direct billing (invoice > €2.000) at network hospitals and clinics.
Digital policy documents are usually issued within 24 – 72 hours after approval.
Smarter Insurance for Perpetual Travelers — Free Consult
If you live indefinitely on the move, we help you choose worldwide coverage options and benefit tiers that match life across multiple countries. Start with a free 1-hour consult; receive your personalized quote in 24 hours; and rely on our ongoing advice as your itinerary evolves.
Who is it for/not for?
Not for:
- Short-term tourists who only need emergency-only trip cover.
- Individuals fully satisfied by a single country’s public system.
- Travelers engaging in excluded high-risk activities without appropriate riders.
For:
- People living indefinitely across multiple countries/year with no single country residence.
- Solo travelers, couples, or families needing one policy across regions.
- Remote professionals who renew policies and access care entirely while abroad.
Benefits & Limitations
Benefits:
- Continuous inpatient cover worldwide; comprehensive tiers add outpatient and prescriptions.
- Direct billing (invoice > €2.000) to avoid large deposits; claims portals for reimbursements.
- Telemedicine for triage, follow-ups, and care navigation wherever legal.
- Family options (spouse/dependents) and newborn enrollment windows.
- Region selections suited to open-ended itineraries and frequent moves.
Limitations:
- Pre-existing conditions may be excluded, subject to moratorium, or covered with premium loading and specific terms after underwriting.
- Maternity often has 10–24-month waits and capped benefits.
- USA-inclusive regions carry higher premiums; network use matters.
- Mental health benefits may have visit caps per year.
How it works
1
Start with a quick consult or instant quote
2
Get tailored plan options
3
Enroll with guided paperwork
4
Lean on ongoing expert support
Make the Right Choice with Beakon Global
Choosing the right international health insurance can feel overwhelming - but you don’t have to do it alone. At Beakon Global, our experts cut through the complexity, guiding you to the best plan for your needs, budget, and lifestyle.
Meet the Experts Behind Beakon Global
Stephan & Louis, co-founders of Beakon Global, are trusted leaders in International Private Medical Insurance (IPMI).
- With a track record of growing a major IPMI provider, they bring unmatched expertise to the industry.
- Specialists in broker networks & insurance distribution, they’re known for their client-focused approach.
- At Beakon Global, they’re redefining expat health insurance - prioritizing excellence, security & well-being worldwide.
Pricing & Drivers
From €80–€160/month for a healthy 30-year-old on Worldwide (excl. USA) with a €1,000 deductible. Pricing varies by age, region (incl./excl. USA), deductible, and add-ons (outpatient, dental, maternity).
Example:
a 34-year-old on comprehensive Worldwide (excl. USA) with a €1,000 deductible pays ~€115/month; adding USA coverage materially increases the premium.
Common Questions (FAQ)
Perpetual travelers maintain continuous movement without settling in one country. Policies must remain valid across frequent border changes and renew entirely while abroad.
Yes. Insurers typically accept a correspondence address and country of nationality for records. Check how your “home country” is defined for repatriation terms.
They may be excluded, covered after a moratorium, or included from day one with a premium increase (“loading”) and possible terms such as caps or higher deductibles.
On comprehensive tiers, yes—subject to network availability, formularies, and local regulations. Limits and deductibles apply.
Many insurers allow region changes at renewal; mid-term changes may be restricted. Confirm flexibility before purchase.
Ask your insurer for a Guarantee of Payment (GOP). A GOP is a written confirmation sent to the clinic or hospital before treatment stating what the insurer will pay for covered services. With an accepted GOP, the provider bills the insurer directly, and you only pay non-covered items or your deductible/excess.
Renewals are digital. Keep payment details updated and respond to any requested health declarations before the renewal date.
Comprehensive tiers often include therapy sessions and tele-psych. Annual caps and referral rules apply; check the schedule of benefits.
Yes. Spouses and children can usually be added at renewal or via endorsement. Newborns often have a defined post-birth enrollment window.
Insurers pay in policy currency or local currency depending on the claim type and bank details provided.
Examples & Scenarios
- Six-country loop: You rotate through Spain, Morocco, Turkey, Thailand, Malaysia, and Japan. Worldwide (excl. USA) comprehensive with €1,000,000 annual limit and €1,000 deductible covers inpatient care in all six.
- Underwriting with loading: A controlled thyroid condition is accepted with premium loading and a condition-specific cap disclosed in the certificate.
- Direct billing win: Appendicitis in Kuala Lumpur treated at a hospital with guarantee of payment; no upfront deposit required.