Expatriate Insurance Guide

Clements Worldwide is a leading provider of international insurance for expatriates and organizations. Founded in 1947, Clements of­fers worldwide car, property, life, health, specialty and high risk insurance to clients in more than 170 countries. Each year, Clements Worldwide visits local organizations and government agencies to educate expatriates on the importance of understanding and securing appropriate insurance coverage. 

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For more information or if you have a group of expatriates interested in scheduling a consultation, please call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com

Worldwide Car Insurance

Physical Damage Coverage

Worldwide Car InsuranceThis includes Collision and Comprehensive coverage. Collision insurance covers your vehicle while it’s being operated. Comprehensive insurance covers the vehicle while it is parked, including theft, vandalism, etc. Each coverage is provided under one policy. It is recommended that this coverage be purchased from a U.S. insurance company. Purchasing this coverage abroad can be very risky. Many local companies are poorly regulated and therefore, provide inconsistent claims settlements. Also, many overseas insurance companies simply do not provide for standard areas of coverage that are normally expected. In many cases, there is no regulatory body which can assist you if you are dissatisfied with your claims settlement.

Liability Coverage

Automobile Primary Liability Insurance must be purchased in the country in which you are located. Local governments require this in order to register your vehicle. Be aware that limits of coverage can be very low in many countries. If you are uncomfortable with the level of coverage available in your country, you can obtain Excess Liability Insurance. This coverage simply increases your locally purchased Primary Liability to an appropriate level of protection.

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International Property InsuranceOverseas Property Insurance

Insurance for an overseas move is very different from your typical domestic homeowners or renters policy. Invest in package policies specifically designed to cover the unique aspects of international assignments. Consider the following areas of coverage:

  • Coverage for items left in commercial storage
  • Transportation coverage on items shipped by sea, air and truck, etc.
  • Coverage at your residence abroad for fire, theft, acts of nature, etc.
  • Protection for effects while traveling temporarily within the United States or other countries
  • It is advisable to seek "All-Risks" coverage, which provides broader protection, as well as "Replacement Cost" coverage, assuring a non-depreciated claims settlement

It is not recommended to rely on the insurance policy provided by shippers and packers. These policies may be inadequate, expensive or simply unavailable. Also, in the event of a loss, it may be difficult to determine which party is fully responsible, resulting in potential denial of your claim.

It is also advisable to complete a full inventory of effects, both transported abroad and left in U.S. commercial storage. This allows you to comprehensively file claims with an insurance company in the event of a loss.

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Expatriate Health Insurance CoverageExpatriate Health Insurance

Ideal for individuals on international assignments for six months or longer, Clements Worldwide exclusively offers GlobalCare, an affordable health insurance program for expatriates with flexible medical benefits in more than 170 countries. For expats interested in having short-term coverage available while in the U.S. or Canada, Clements offers GlobalCare Plus, with access to more than 700,000 medical providers in North America. 

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 International  Life Insurance

Overseas Life Insurance Clements offers international term life insurance, an essential coverage that protects your loved ones against future financial burdens. With term options ranging from one to ten years, Clements’ portable term life insurance is suitable for all expatriates, especially for those with outstanding financial obligations, such as a mortgage, or dependents, such as children or a spouse. Clements portable policy allows you to take the policy with you whether you change jobs, retire, or move anywhere in the world. 

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War and Terrorism Insurance & Political Violence Insurance

Every year around the world, it’s estimated that individuals and organizations suffer more than 10,000 terrorist attacks, with nearly 75 percent of those resulting in at least one death, injury or kidnapping. To protect individuals and organizations abroad, Clements Worldwide offers War and Terrorism Insurance.

With over 65 years of experience working with clients in conflict regions, Clements is uniquely qualified to provide organizations with the right coverage against the risks of civil unrest, war, and acts of terrorism. Clements specializes in designing custom policies and programs that cover individuals and international organizations against riots, looting and other risks.

Please call us today at +1.202.872.0060 or 800.872.0067 or e-mail request@clements.com to discuss your organization’s needs.

Learn More about War & Terrorism and Political Violence