Expatinsure

ExpatInsure is an independent, AI-native international private medical insurance (IPMI) broker dedicated to making it genuinely easy for individuals, families, retirees and small companies to find, compare and purchase the right international health insurance cover — wherever they choose to live or work.
Founded by a leadership team with deep roots in the international insurance sector, ExpatInsure was built to solve a problem that has frustrated the international health insurance market for decades: the process of buying cover abroad is slow, opaque and unnecessarily complex. Most people relocating internationally have no reliable way to compare policies across providers, no clear sense of what they are actually buying, and no specialist support to help them choose. ExpatInsure exists to change that.
The business operates across three markets — the United States, the United Kingdom, and Europe — giving it a breadth of reach that reflects the reality of modern international living. People move. They relocate for work, retire to warmer climates, follow partners across borders, or simply choose to build their lives somewhere new. ExpatInsure is designed to stay with them through those moves, rather than leaving them to start the process again each time their circumstances change.
At the heart of ExpatInsure's proposition is its AI-native comparison technology. The platform searches millions of prices in seconds across a carefully selected panel of leading international health insurers, including Cigna Global, Aetna International, AXA, Allianz Care, and Bupa Global. Customers receive clear, comparable results quickly — without having to work through multiple individual insurer websites, fill in repeated forms, or wait days for quotes. The technology removes friction from a process that has historically been far more complicated than it needs to be.
Importantly, ExpatInsure pairs that technology with experienced human brokers. International health insurance is not a commodity product. Policy terms, network access, area of cover, deductible structures, pre-existing condition exclusions, and claims processes all vary significantly between providers — and the right choice depends on a customer's individual circumstances, destination, age, health history, and budget. ExpatInsure's brokers are on hand to help customers interpret what they are looking at, ask the right questions, and make a confident, informed decision. The combination of speed and expertise is the point: the technology makes the search fast; the people make it right.
ExpatInsure holds FCA authorisation in the United Kingdom, is licensed across 22 states in the United States, and has established a European base in Larnaca, Cyprus, from which it is expanding its presence across the EU. The business serves individual customers rather than large corporate or group schemes — a deliberate focus on a segment of the market that has historically been underserved by both the major carriers and the broader broker community.
The company operates on a whole-of-market basis, which means it is not tied to any single insurer or distribution arrangement. Its recommendations are driven by what is right for the customer, not by preferred-panel economics. This independence is central to the ExpatInsure proposition and to the trust it is building with customers across its three operating regions.
ExpatInsure's insurer panel has been assembled with care. Each provider has been selected for the quality of its international network, the clarity of its policy terms, the reliability of its claims handling, and its track record with international customers. The panel includes some of the most recognised names in global health insurance — organisations with decades of experience covering individuals in complex, cross-border healthcare situations.
The business is led by a team with senior executive and board-level experience at major international insurance organisations. The founders and leadership bring backgrounds spanning international brokerage, digital insurance, carrier operations, and financial services — giving ExpatInsure both the sector knowledge and the technical capability to build something genuinely different in a market that has been slow to modernise.
ExpatInsure's approach to customer service reflects the same philosophy as its technology: remove the complexity, keep the quality. The company runs a multi-centre broker operation spanning the United States and the United Kingdom, with coverage designed to support customers across different timezones. Customers can speak to a broker, get their questions answered, and move through the process at a pace that suits them.