1. About us
These terms apply when you use www.expatinsure.com and quote.expatinsure.com (together, "the website"), ask us for a quote, or speak to us about insurance.
ExpatInsure is a trading name of InsureLead Ltd, registered in England and Wales, company number 15434101. Registered office: 1-2 Rhodium Point, Hawkinge, Folkestone, CT18 7TQ, United Kingdom. InsureLead Ltd is authorised and regulated by the Financial Conduct Authority (FCA), firm reference number 1016177. You can check this on the FCA register at register.fca.org.uk.
ExpatInsure Insurance Services, Inc. is incorporated in California, at 166 Geary Street, Suite 1500, San Francisco, CA 94108, USA. It is a licensed insurance producer regulated by the California Department of Insurance (licence 6014016) and other US state insurance regulators, National Producer Number 21286831.
Our UK team (InsureLead Ltd) usually handles enquiries from the UK and the European Union. Our US team (ExpatInsure Insurance Services, Inc.) usually handles enquiries from the United States. Because we work across time zones, our UK team may also contact US customers when they first get in touch.
"We", "us" and "our" mean whichever of these companies deals with you. "You" means the person using the website or asking for a quote.
If you have any questions, contact us at sales@expatinsure.com, on +44 20 4579 8500 (UK) or +1 833 397 2843 (US).
2. Our service
We are an insurance broker. We are not an insurer, and we do not provide the cover ourselves.
We compare international private medical insurance from a panel of insurers we work with. We do not cover every insurer in the market.
The quote tool gives you prices for the plans that match the details you enter. A specialist then talks you through the options and helps you apply.
Unless we tell you otherwise, we give you information about the plans so you can choose for yourself; we do not make a personal recommendation. If we do recommend a plan, we will say so and explain why it suits your needs.
Your policy is a contract between you and the insurer. The insurer's own policy wording, terms and conditions apply to your cover, and you should read them before you buy.
3. Your quotes
The prices on the website are quotes, not an offer of cover.
Prices are worked out from the details you give us (age, nationality, where you live, where you are moving to and when) and the insurers' current rates. They include any taxes we know apply, but the insurer confirms the final price.
Your cover only starts once you have applied, the insurer has accepted you (which may involve medical questions or underwriting) and you have paid. The insurer may change the price, add exclusions or decline cover.
Prices can change when insurers change their rates, so a quote is only valid on the day it is given unless we tell you otherwise.
Plan summaries on the website (limits, outpatient cover, evacuation and so on) are a guide only. The insurer's policy documents are what count.
We try to keep the website accurate and available, but we cannot promise it will be free of errors or always online.
4. Your information
By pressing Next on the first step of the quote, you agree that we can use your details to give you quotes and contact you about them.
We use your name, date of birth, contact details, nationality and where you live and are moving to, to find prices, contact you and help you apply.
We share your details with the insurers on our panel to get your live quotes and to arrange cover you choose, and with service providers who help us run our business (for example our customer database, email and telephone systems). We do not sell your details.
The details you give us must be true and complete. If they are not, the insurer may change your price, refuse a claim or cancel your policy.
Our Privacy Policy explains how both our companies use and protect your information and your rights, and our Cookie Policy explains how we use cookies. InsureLead Ltd is registered with the UK Information Commissioner's Office, registration number ZB682360. For data questions, email data@expatinsure.com.
5. Emails and text messages
Your quotes: we will email you a copy of your quotes and contact you by phone or email about them. These service messages are part of the quote you asked for.
Marketing emails: we may also email you occasionally about similar insurance products. You can opt out by ticking the box on the first step of the quote, or later through the unsubscribe link in any email.
Text messages: we only text you if you tick the box to say yes. Message frequency varies and message and data rates may apply. Reply STOP to opt out or HELP for help. Agreeing to texts is not a condition of getting a quote or buying a policy.
You can change your choices at any time by contacting us.
6. How we are paid
Our service is free to you.
We are paid commission by the insurer when you take out a policy through us. The commission comes out of the premium the insurer charges.
We do not charge you a fee. If that ever changes, we will tell you the amount before you agree to anything.
You can ask us at any time how much commission we receive on your policy.
7. Using the website
You may use the website to find out about insurance and get quotes for yourself and your family.
You must be 18 or over to ask for a quote.
You must not use automated tools to collect prices or other content from the website, try to get round its security checks or limits, or do anything that could harm it or other users. We may block access if we see this.
The content, design and logos on the website belong to us or our partners. You may not copy them for commercial use without our permission.
Partner pages and links (for example from our partner organisations) may show their logo next to ours. We are still the broker you deal with.
8. Our responsibility to you
We are responsible for the service we give you as your broker, in line with FCA rules.
We are not responsible for the insurer's decisions about accepting you, pricing your cover or paying claims. Those are for the insurer under your policy.
We are not responsible for losses caused by events outside our control, or for losses that were not reasonably foreseeable.
The website links to other sites (for example insurers, booking tools and partners). We are not responsible for their content or how they use your information.
Nothing in these terms limits any liability that cannot be limited by law, or your legal rights as a consumer.
9. Complaints and compensation
Complaints about us: email sales@expatinsure.com, call +44 20 4579 8500 (UK) or +1 833 397 2843 (US), or write to InsureLead Ltd, 1-2 Rhodium Point, Hawkinge, Folkestone, CT18 7TQ, United Kingdom. We will acknowledge your complaint promptly and send you our final response within 8 weeks.
Financial Ombudsman Service: if you are not happy with our final response, or we have not replied within 8 weeks, you may be able to refer your complaint to the Financial Ombudsman Service, Exchange Tower, London E14 9SR, www.financial-ombudsman.org.uk, 0800 023 4567.
Complaints about your policy or a claim: contact the insurer first; we can help you with this.
Financial Services Compensation Scheme (FSCS): you may be entitled to compensation from the FSCS if we cannot meet our obligations, depending on the type of insurance and the circumstances. See www.fscs.org.uk.
US customers: write to ExpatInsure Insurance Services, Inc., 166 Geary Street, Suite 1500, San Francisco, CA 94108, USA. If you are not satisfied with our response, you can contact the California Department of Insurance (www.insurance.ca.gov, 1-800-927-4357) or the insurance department of the state where you live.
10. Changes, law and contact
We may update these terms from time to time. The version on this page when you ask for a quote is the one that applies. Last updated: 13 November 2026.
These terms are governed by the law of England and Wales, and the courts of England and Wales can deal with any dispute. If you live elsewhere, you keep any rights the law of your country gives you.
If any part of these terms cannot be enforced, the rest still applies.
Contact: sales@expatinsure.com · +44 20 4579 8500 (UK) · +1 833 397 2843 (US).
UK: InsureLead Ltd, 1-2 Rhodium Point, Hawkinge, Folkestone, CT18 7TQ, United Kingdom. US: ExpatInsure Insurance Services, Inc., 166 Geary Street, Suite 1500, San Francisco, CA 94108, USA.