The Risks of Shopping for International Insurance on Your Own

It’s Easy to Get Lost in a Sea of Providers

You’ll quickly discover that there’s no shortage of international insurance companies. Big names, niche players, regional providers, plans for short trips, long stays, and everything in between. Sorting through all of them (and their ever-so-slightly-different offerings) can take days, if not weeks.

And unless you work in insurance, you probably don’t want to spend your weekends comparing coverage limits, exclusions, co-pays, and claim processes across 14 providers.

Coverage Gaps Hide in the Fine Print

One of the most common mistakes people make when buying expat insurance solo is assuming that “international health insurance” covers everything. In reality, many plans exclude:

• Pre-existing conditions

• Routine checkups

• Mental health support

• Maternity care

• Emergency evacuation

If you’re not familiar with the terminology or how to read policies critically, you could end up with a plan that fails you in an emergency.

No One to Turn to When Things Go Sideways

Let’s say you bought a plan online. It looked solid. But then you have a medical emergency abroad and need help fast. Maybe you’re trying to coordinate care in a country where English isn’t widely spoken. Or maybe you filed a claim and haven’t heard back in weeks.

When you go it alone, there’s no advocate to help escalate the issue, explain your policy in plain language, or step in on your behalf. You’re left navigating the process solo, often while unwell or under stress.

What a Broker Like AgoraExpat Actually Does

We Offer Access to Multiple Insurers and Plan Types

Brokers aren’t tied to just one company. Instead, they partner with a network of vetted international insurance providers and give you access to a wide range of options. These are options you may not find through a simple Google search.

That means more plan variety, better pricing, and higher odds of finding coverage that actually fits your needs.

We Give You Personalized Recommendations

At Agora Expat, we start the process with a conversation. Where are you moving? How long will you stay? What’s your medical history? Are you traveling solo, with a partner, or with children?

Based on your answers, they’ll narrow down the best options and explain why they recommend them. No guesswork. No information overload.

We Help You Stay Compliant With Local Rules

Many countries require proof of adequate health insurance before issuing a visa or residence permit. Others require coverage that complies with the Affordable Care Act (ACA) or other national healthcare standards.

A knowledgeable broker ensures that the plan you choose meets those local requirements. That way, your visa or registration isn’t delayed because of missing documentation.

Top 3 Benefits of Working with an International Insurance Broker

• Save Time and Avoid Stress

Brokers simplify the entire search and comparison process. They help you avoid “comparison fatigue,” filter out confusing or inadequate policies, and explain your real options clearly. You don’t have to become a temporary insurance expert just to move abroad.

• Get Help With Renewals or Upgrades

Circumstances change. Maybe you land a job with different healthcare requirements or your student visa is extended. Your broker stays in your corner and helps you renew, upgrade, or switch plans with minimal hassle.

• Having an Advocate When You Need One Most

If a claim is denied or delayed, or you’re having trouble navigating a medical situation abroad, brokers advocate for you. They communicate directly with insurers, provide clarification, and support you through the appeals process if needed.

It’s like having someone fluent in “insurance language” handle the tough conversations for you.

Why Working with AgoraExpat Makes a Difference

They Truly Understand Expat Life

Agora Expat works exclusively with international clients and pays particular attention to expat health insurance. They know the real concerns that come with moving, studying, or retiring abroad. They understand the pain points, the red tape, the unique risks, and the emotional side of leaving home.

Bilingual Support (French and English)

Navigating health insurance is hard enough in your native language. Agora Expat’s bilingual team provides support in English and French. This makes communication easier and clearer, especially for French clients.

Trusted by Over 1,000 Clients Worldwide

Reputation matters, especially in an industry filled with fine print. Agora Expat is trusted by individuals and families in over 50 countries. Their reviews speak to more than just the plans they offer. Clients stay because of the ongoing support, transparency, and peace of mind.

Real Scenarios : Broker vs. DIY Insurance

• A Student Heading to France

Claire is starting a master’s program in Lyon. Her university requires a specific level of health coverage that also meets French visa requirements. She tries to figure it out on her own and ends up buying travel insurance. It’s rejected during her visa appointment.

With a broker like Agora Expat, she would have been matched with a compliant student insurance plan in a matter of hours.

• A Family Moving to Portugal

John and Maria are relocating with their two kids. One child has asthma. They’re unsure if that counts as a pre-existing condition and worried about whether medications will be covered.

An international broker helps them find a plan that covers chronic conditions and works with local pharmacies in Portugal. No guesswork. No stress.

• A Retiree With Past Heart Surgery

David, 67, is retiring to Spain. He’s worried about being denied coverage due to a bypass surgery five years ago. A broker guides him through the underwriting process, submits the right documentation, and secures partial coverage. They also provide a backup plan just in case.

What to Look for in a Great Health Insurance Broker

Before you choose an international health insurance broker, make sure they offer:

• Independence. They should not be tied to just one provider and shouldn’t push plans based on commissions.

• Experience with global regulations. A broker should understand visa requirements, cross-border rules, and the nuances of global healthcare.

• Ongoing support. The relationship shouldn’t end after you buy the policy. Look for 24/7 assistance and multilingual help if needed.

Let AgoraExpat Handle the Insurance So You Can Focus on the Move

Moving abroad is a big transition. Your insurance shouldn’t be another source of stress. Let Agora Expat help you compare plans, avoid unnecessary risks, and get the right coverage from day one. Take advantage of our complimentary consultation and expertise to ensure you can make a well-informed decision.

Request your personalized quote today and experience how much easier this process feels with a trusted expert by your side.