Expat Insurance

What Expat Insurance does

Expat Insurance Inc is an independent insurance brokerage incorporated in Utah, USA, that connects expatriates, digital nomads, and global families with international insurance coverage. The company aggregates 65+ insurance providers across 180+ countries, including major carriers such as Cigna, GeoBlue, IMG, BCBS Global Solutions, Vumi, Morgan White, BMI, Redbridge, and Unisure/Unilife, and offers a product portfolio spanning international health insurance, life insurance, travel insurance, Mexico home and auto insurance, business and group insurance, and Medicare coordination for US expats. Revenue is generated through carrier commissions on policies sold and renewed; the company does not charge customers directly for brokerage services, functioning as an affiliate/referral intermediary rather than a risk-bearing insurer. The technology stack is a conventional comparison-and-quote website with a 2-minute self-serve quote flow, supplemented by broker-assisted sales via phone, WhatsApp, and live chat, and supported by a content marketing engine of 300+ articles, a 45+ page eBook, and live webinars. Founded by Justin Barsketis, the firm operates with a small named team (including a dedicated renewal manager), holds no disclosed funding, and reports having served more than 5,000 expats over a decade of operation.

Name

Expat Insurance

Legal name

Expat Insurance Inc

Website

https://expatinsurance.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Expat Insurance Inc is an independent insurance brokerage that aggregates 65+ international insurance providers to offer health, life, travel, Mexico home/auto, and business coverage to expats, digital nomads, and global families across 180+ countries, earning revenue through carrier commissions.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

International Benefits Administration & Global Benefits Brokerage (BPACAHAG)

akta.pro secondary industries

International/Expatriate Individual Health Insurance (FSAIAEAH), Embedded Travel Insurance Distribution & APIs (THALALAA), International / Expatriate Group Health Plans (FSAIAFAJ)

Keywords

• International health insurance
• Expat insurance brokerage
• Travel medical insurance
• Global medical coverage
• International life insurance

Headquarters

HQ city

Utah

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Revenue model

1. Insurance Brokerage Commissions: Expat Insurance acts as an independent insurance broker/agency, earning commissions from insurance providers for each policy sold and renewed. They do not charge customers directly for their brokerage services; revenue is generated through commissions paid by the underlying insurance carriers (Cigna, GeoBlue, IMG, Vumi, BCBS Global Solutions, and others).

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels9 records

Core offering

Expat Insurance is an independent insurance brokerage that compares quotes from 65+ international insurance providers for expatriates, digital nomads, and global families. The brokerage sells international health, life, travel, Mexico home and auto, business and group, and Medicare-related insurance products, earning commissions from carriers rather than charging customers directly. Brokers provide personalized consultation from quote through claim, supported by a self-serve quote platform, educational content, and 24/7 support.

Product overview

Expat Insurance is an independent insurance brokerage offering a portfolio of insurance products designed for expatriates, digital nomads, and global families. The company provides access to 65+ international insurance providers through its broker platform. The core product offerings include International Health Insurance (comprehensive medical coverage worldwide), Life Insurance (global coverage for family protection), Travel Insurance (short-term trip protection), Mexico Home Insurance (property coverage in Mexico), Mexico Auto Insurance (vehicle coverage abroad), Business & Group Insurance (corporate solutions), and Medicare for Expats (US Medicare coordination). The company acts as an intermediary, connecting customers with insurance providers including BCBS Global Solutions, BMI, Cigna, IMG, Morgan White, Redbridge, Unisure/Unilife, and Vumi.

Differentiator

Problem solved

Functional benefit

Products and services

• International Health Insurance Comprehensive international medical coverage for individuals and families living abroad, providing access to private hospitals in 190+ countries with direct billing and worldwide coverage starting from $50/month.
• Life Insurance International life insurance designed for expats that works regardless of location, offering global coverage, flexible beneficiaries, and tax-efficient options.
• Travel Insurance Short-term trip protection for vacations and temporary stays, covering trip cancellation, medical emergencies, and lost luggage, with provider options including Trawick International.
• Mexico Home Insurance Property coverage for homeowners and renters in Mexico, protecting against hurricanes, earthquakes, theft, and liability.
• Mexico Auto Insurance Vehicle insurance for driving in Mexico, including required liability coverage plus comprehensive protection.
• Business & Group Insurance Corporate insurance solutions for teams, employees, and business travelers requiring group coverage.
• Medicare for Expats Specialized coverage guidance and plans for U.S. expats who have Medicare, helping navigate Medicare supplements and Advantage plans while living abroad.

Quantifiable outcome

• Serving 5,000+ expats
• +1 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Twelve partnerships are on record, tiered core and supporting.

• BCBS Global Solutions (BlueCross BlueShield)coreChannel Partner/ Reseller/ DistributorBCBS Global Solutions is one of the 65+ insurance providers featured on Expat Insurance's platform. As the international arm of BlueCross BlueShield, BCBS Global Solutions offers global medical coverage that Expat Insurance resells and provides advisory services around.
• CignacoreChannel Partner/ Reseller/ DistributorCigna is one of the major international health insurance providers available through Expat Insurance's brokerage platform. Cigna Global is recognized as a leading provider for digital nomads with comprehensive coverage and vast provider networks.
• IMG (International Medical Group)coreChannel Partner/ Reseller/ DistributorIMG is one of the insurance providers offered through Expat Insurance. IMG Global Medical Insurance is highlighted as a top provider for nomads, known for comprehensive coverage and flexible premiums.
• VumicoreChannel Partner/ Reseller/ DistributorVumi is a provider partner featured on Expat Insurance's platform. Expat Insurance provides detailed support documentation for Vumi policyholders including how to precertify claims, renew policies, change coverage, and manage policies online.
• GeoBluecoreChannel Partner/ Reseller/ DistributorGeoBlue is the international arm of BlueCross/BlueShield and is a key provider recommended by Expat Insurance, especially for US citizens and those with preexisting conditions. GeoBlue Xplorer is described as the only long-term health plan that truly covers preexisting conditions for eligible applicants.
• Morgan WhitesupportingChannel Partner/ Reseller/ DistributorMorgan White is one of the insurance providers available through Expat Insurance's platform. The company offers Morgan White plans (New America and Worldwide Medical Trust) that have minor preexisting condition benefits.
• BMIsupportingChannel Partner/ Reseller/ DistributorBMI is listed as one of the insurance providers available through Expat Insurance's platform.
• RedbridgesupportingChannel Partner/ Reseller/ DistributorRedbridge is listed as one of the insurance providers available through Expat Insurance's platform.
• Unisure + UnilifesupportingChannel Partner/ Reseller/ DistributorUnisure and Unilife are listed as insurance provider partners available through Expat Insurance's platform.
• Trawick InternationalsupportingChannel Partner/ Reseller/ DistributorTrawick International is recommended by Expat Insurance for travel insurance, particularly for Canadians visiting Mexico and travelers to Costa Rica. The company offers travel policies with good benefits-to-cost ratios and COVID coverage.
• AirMedsupportingChannel Partner/ Reseller/ DistributorAirMed is a standalone medical evacuation provider recommended by Expat Insurance for clients self-insuring or managing preexisting conditions. AirMed operates its own fleet of air ambulances and has lenient evacuation terms.
• TME Travel Medical EvacuationsupportingChannel Partner/ Reseller/ DistributorTME Travel Medical Evacuation (formerly Travel MedEvac) is recommended by Expat Insurance as a standalone evacuation policy option, with the ability to add emergency travel insurance for situations where evacuation is not possible.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• International Citizens Insurance: Direct competitor — also an independent broker specializing in international health insurance for expats, nomads, and global families, comparing multiple carrier options. Same customer base and same product category as Expat Insurance.
• Ingle International: Direct competitor — independent international insurance broker for expats, students, and travelers, comparing quotes across multiple global carriers. Closely mirrors Expat Insurance's model and target customer.
• World Nomads: Specialty travel insurance provider for backpackers, adventure travelers, and nomads. Overlaps with Expat Insurance's travel insurance offering and shares the digital nomad/expat customer segment, though focused more on short-term travel.
• Clements Worldwide: Specialty broker/insurer for international insurance needs of expatriates, including health, auto, property, and life for global citizens. Comparable customer base and product portfolio to Expat Insurance's full suite.

Emerging players

• SafetyWing: Digital-first insurance provider for digital nomads and remote workers, offering global health and travel coverage on a subscription model. Overlaps with Expat Insurance's nomad/expat segment but competes via direct-to-consumer technology rather than broker-assisted sales.

Broad incumbents

• Cigna Global: One of the largest direct international health insurance carriers, also a key provider partner of Expat Insurance. Represents both a partner and a competitive threat — sells directly to consumers while Expat Insurance resells Cigna's policies.
• GeoBlue: Direct carrier specializing in international health insurance for US expatriates and travelers, including GeoBlue Xplorer for long-term expat coverage. Both a key partner (recommended for preexisting conditions) and a direct competitor.
• IMG (International Medical Group): Direct carrier of international medical insurance for expats, nomads, and globally mobile individuals. Highlighted by Expat Insurance as a top nomad provider; competes with Expat Insurance via direct sales while also being a brokerage partner.
• Now Health International: Direct international health insurance carrier serving individuals, families, and SMEs with global coverage. Competes with Expat Insurance for the same expat and globally-mobile customer base via direct digital channels.
• AXA Global Healthcare: Direct international health insurance carrier (part of AXA group) offering plans for individuals, families, and businesses relocating abroad. Competes with Expat Insurance across the international health insurance category at scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/expatinsurancecom

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Expat Insurance