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Expat Insurance for Canadians Overseas

Expat Insurance for Canadians Overseas

According to the Canadian Government, there are about three million Canadian expats worldwide. That may not sound like a lot, but for a country with a relatively low population, it is a considerable number! However, along with the thrill of moving abroad comes the responsibility of safeguarding your health in a foreign land. This is where expat insurance becomes indispensable. In this article, we’ll explore some key considerations and options for insurance coverage that every Canadian expat should be aware of when moving abroad.

Understanding the basics

Before delving into the specifics, it’s essential to grasp the fundamental principles of expat insurance. This type of insurance is designed to provide comprehensive health coverage for Canadians living and working abroad. The goal is to ensure that expats have access to high-quality healthcare and enjoy peace of mind while residing in a foreign country. Along with expat health insurance, we’ll also look at some other types of insurance Canadian expats might consider.

Health insurance

Health insurance is arguably the most important type  of expat insurance for Canadians. Ensuring access to quality healthcare should be a priority when living abroad. Several options are available for expats:

Life insurance

Life insurance provides financial protection to your loved ones in the event of your passing. There are two types of life insurance available:

Disability insurance

Disability insurance is often overlooked but is worth considering for Canadian expats. It provides income replacement if you become unable to work due to a disability. Again, there are two types:

Considerations for Canadian expats purchasing expat insurance

Canadian expats should consider several factors when selecting insurance:


Expat life is a rewarding and enriching experience for Canadians, but it comes with responsibilities and risks. By understanding the basics and carefully selecting appropriate insurance policies, Canadian expats can embark on their overseas journey with confidence, knowing that their health, finances, and well-being are well protected in the event of the unexpected.

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