International Health Insurance for Vanlife
Comprehensive, portable medical coverage designed for full-time van dwellers who cross borders and need reliable care far from a fixed address.
Key Facts
International Health Insurance for vanlife at a glance
Annual medical limits commonly €500,000. No overall limit.
Deductible choices often 0€ – 5.000€ per policy year.
Optional outpatient, mental health, and prescriptions on comprehensive tiers.
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 Van life — Free Consult
Road life needs clear, portable cover and quick answers. We’ll review your planned countries in a free online session, compare suitable international health policies (explaining limits and exclusions in plain language), and send you a tailored quote within a day, plus the digital documents you’ll need on the road.
Who is it for/not for?
Not for:
- Holidaymakers who only need short emergency cover.
- People fully satisfied with a single country’s public health system.
- Drivers seeking vehicle liability or breakdown cover (that is separate insurance).
For:
- Full-time vanlifers living in 1–6+ countries per year.
- Remote workers or families who want one policy that travels with them.
- Drivers spending months in rural areas where hospitals are scarce.
Benefits & Limitations
Benefits:
- Continuous inpatient care abroad; comprehensive tiers add outpatient and pharmacy benefits.
- Guarantee of Payment (GOP) so hospitals can bill your insurer directly.
- Telemedicine 24/7 for triage and follow-ups while on the road.
- Options for dependents and newborn enrollment windows.
- Region choices: Worldwide (excl. USA) or Worldwide (incl. USA).
Limitations:
- Pre-existing conditions may be excluded, delayed by moratorium, or covered with premium loading after underwriting.
- Maternity has waits and caps on eligible plans.
- USA-inclusive regions increase premiums.
- Mental health sessions often have annual caps.
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. Premiums vary with age, chosen region, deductible level, and add-ons such as outpatient, dental, or maternity.
Example:
A 34-year-old on comprehensive Worldwide (excl. USA) with a €1,000 deductible pays about €115/month; adding USA coverage raises the premium.
Common Questions (FAQ)
It covers long-term medical needs while living abroad. Core benefits include hospitalization, diagnostics, and optional outpatient, mental health, and prescriptions.
Yes. Insurers typically accept a correspondence address and your nationality for records. Check how “home country” is defined for repatriation terms.
Ask for a Guarantee of Payment (GOP). The insurer sends written payment confirmation to the provider so eligible bills are sent directly to the insurer.
Medical treatment is covered if the policy includes it and the event is not excluded. Vehicle liability, damage, or roadside assistance are separate coverages.
They may be excluded, covered after a moratorium, or included from day one with a premium increase and specific terms after underwriting.
On comprehensive tiers, yes. Visits, diagnostics, and prescriptions are covered to stated limits and deductibles.
Many insurers allow region changes at renewal. Mid-term changes can be restricted; check rules before purchase.
Comprehensive tiers often include therapy sessions and tele-psych. Annual caps and referral rules apply.
Keep itemized invoices, medical reports, and proof of payment. Submit them for reimbursement per policy rules.
Yes. Spouses and children can usually be added at renewal or by endorsement. Newborns often have a defined enrollment window.
Examples & Scenarios
- Six-country loop: You drive through Spain, Morocco, Italy, Turkey, Georgia, and Armenia. Comprehensive Worldwide (excl. USA) with €1,000,000 limit and €1,000 deductible covers inpatient care across the route.
- GOP in practice: Severe appendicitis in a small coastal city; insurer issues a GOP within hours, and the clinic bills the insurer directly.
- Chronic care on the road: Controlled asthma managed with outpatient consults every 3–6 months and prescriptions within plan limits.