If you’ve caught the travel bug or are planning to live overseas for a while, it’s natural to wonder how your life insurance fits into the picture. At Tim Huber Insurance in St. Augustine, FL, we often get questions from clients who want to ensure their coverage travels with them. The good news? In many cases, it does, but it’s not always that simple.
Traveling vs. Living Abroad
There’s a big difference between taking a two-week vacation and moving to another country for several years. Most life insurance policies will still cover you if you’re traveling short-term, as long as your premiums are paid and the policy is active. However, if you’re relocating permanently or spending a significant amount of time abroad, your insurer may need more details about your destination, the length of your stay, and your health status.
Risk Factors Matter
Insurance companies assess risk when issuing and maintaining policies. Countries with high political instability, limited medical care, or dangerous living conditions may raise concerns. If you’re living in a high-risk area, your coverage options might change—or you may need to explore a policy specifically designed for expatriates.
Keep Your Policy Updated
One of the most important steps you can take is keeping your insurer informed. If your residency status changes or you’re planning extended international travel, talk to your agent about how it could affect your policy.
At Tim Huber Insurance in St. Augustine, FL, we’re here to help you navigate your coverage no matter where life takes you. Before you pack your bags, let’s review your life insurance together and ensure you’re protected at home and abroad.
