How we compare.
What shapes your matches, what the prices mean, and how we earn money.
Selected carriers. Matched to your answers.
We compare insurance for people travelling, living and working abroad—not the whole market. The Compare page lists carriers alphabetically. Quiz results use your answers to check eligibility and rank options against your priorities, showing claims information and trade-offs.
A match is not a guarantee of acceptance or personal insurance advice. Confirm your destination, eligibility and cover with the carrier before buying.
Three kinds of price
- Published price: an official carrier rate, with the conditions it applies to. A “from” price is a starting rate, not necessarily your price.
- Example price: a published example or captured quote for a documented profile. Profiles, currencies and periods differ, so these are not like-for-like quotes for you.
- Personalised pricing: no suitable number is available. Check your price directly with the carrier.
Example prices do not affect match ranking or price sorting. Check the date and conditions shown; the carrier confirms your final price and policy.
How we earn money
Some links earn us a referral fee for a qualifying quote or purchase, at no extra cost to you. Commission does not determine match rankings. You buy directly from the carrier, which handles your policy, payments and claims.
More about our research
What we check
We use official product pages, policy documents and documented prices to research:
- Eligibility, age limits, trip length and destination restrictions.
- Benefits, exclusions and the main trade-off.
- How eligible medical costs are paid and who underwrites the policy.
- Price conditions, billing periods and renewal terms.
Research is ongoing. Some market-specific eligibility and destination restrictions still need confirmation; missing information does not mean unrestricted cover. Policy wording takes precedence over our summaries.
Why the quiz can show additional carriers
The public comparison uses a core set of carriers. The quiz can also include specialists such as ERV when the recorded eligibility rules and your answers make them relevant. Different products serve different needs; appearing together does not make their cover or prices equivalent.
If you already have employer, home-country or credit-card cover, check its limits before buying another policy.
Review dates and corrections
| Area | Last review |
|---|---|
| Core comparison set | September 2026 |
| Pricing and quote status | August 2026 |
| Claims and insurer backing | September 2026 |
| Head-to-head comparisons | September 2026 |
Individual price-check dates differ. Selected public prices were rechecked in September; this was not a full refresh of every quote or policy. We aim to review carrier data quarterly.
Spotted an error? Tell us what needs correcting.