Short Term Health Insurance for Expats
Cover Gaps Without Getting Burned
In Between Plans? Moving Countries? Don’t Wing It Without Cover..
Sometimes you're not staying forever — but still need to stay protected. Whether you're waiting for a job plan to kick in, doing a 3-month stint abroad, or in transition between countries, short-term health insurance is your safety net.
At ExpatFinder, we help you compare real short-term plans with real protection — not travel-lite gimmicks.
Why Go With Short Term Cover?
You're covered when:
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You're arriving abroad but your employer plan starts in 60 days
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You’re between two expat assignments and in limbo
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You’re remote working from Thailand “just for the winter”
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You’re dealing with a recent lapse in coverage — and life isn’t waiting
Why Standard Travel Insurance Isn’t Enough
Travel Insurance | Short Term Health Insurance |
|---|---|
Excludes many sports or remote destinations | Flexible coverage options, including adventure |
Valid only for “leisure” trips | Designed for expats, freelancers, interns |
Usually capped at €50,000 or less | Higher limits, optional top-ups |
Covers trip delays, lost luggage | Covers hospitalisation, serious illness |
Often excludes chronic or follow-up care | Can include outpatient, maternity, chronic care |
What to Watch Out For
We’re not an insurer. We’re a neutral broker who puts your needs first — not the insurer’s bottom line. That means:
Hidden exclusions
(no coverage for ongoing care after you leave?)
“Hospitalisation only”
plans with no GP or outpatient coverage
Pre-existing condition exclusions
reset every 90 days
Low caps and fine print
Changes depending on your passport
Plans We Trust (and Why)
We compare the full market, including:
ACS Globe Traveller
Ideal for short expat stays and working holidays
April International Flex
Modular and flexible for 1 to 11 months
IMG Global Medical
Strong medical coverage, even for U.S. citizens
AXA Global Travel Pro
Designed for remote professionals and digital nomads
Now Health SimpleCare
Affordable with decent short-term flexibility
Each plan is reviewed for transparency, exclusions, value-for-money — and whether it actually works if things go wrong.
FAQ
How short is “short term”? Most plans range from 1 to 12 months. Some let you renew once. Others are strictly non-renewable — we help you pick the right one based on your situation.
Can I buy short-term insurance if I’m already abroad? Yes — some plans allow this, but they may have waiting periods or limitations. We show you the ones that don’t
What if I develop a condition — can I switch to long-term cover later? That’s tricky. Many insurers exclude new conditions when switching. We help plan ahead to avoid getting locked out of future coverage.