Expacare

What Expacare is

Expacare is a plan brand: a UK company selling its own named international private medical insurance plans, rather than a broker comparing other companies' policies or a portal handing visitors off. Every page footer states: "©2026 Expacare Limited. Authorised and Regulated in the UK by the Financial Conduct Authority," with a registered office at "Bracknell Enterprise Centre, Easthampstead Road, Bracknell, Berkshire, RG12 1NF" and "Registered in England No. 01524095." The pages do not name a separate underwriting insurer behind the plans.

The about page says "Expacare has been in business for over 40 years, making us one of the world's longest established global health insurance providers," and that it has "remained consistent" while the international healthcare market "has changed considerably." It describes its aim as "to establish long term relationships with our members, driven by quality service and underpinned by a wide range of products designed for the needs of today." It is also a member of a trade body: "Expacare are members of the Association of International Medical Insurance Providers (AIMIP)," which the page calls an "industry advisory body" giving "guidance on international product development, claims management and fraud prevention, regional and local regulatory issues."

The homepage splits into two audiences. "Members" are pointed to "How to make a claim, an online payment, find out more about our international plans or to get in touch." "Brokers" are invited to "Become an Expacare partner and find out how we can grow your business together," so the plans are sold through intermediaries as well as direct.

Worldwide plans

The plans page describes the worldwide range as built for "yourself, your family or your colleagues at work," and designed to "follow you wherever you go." It is modular: a buyer can "tailor your chosen cover plan, whether it's basic hospital cover or something more comprehensive, including treatment for cancer and chronic illnesses, out-patient and family doctor services, maternity care, dental treatment, wellness or optical." One benefit is fixed across the range: "whatever level of cover you choose, all our plans automatically include cover against the cost of an emergency medical evacuation should the unexpected happen."

Country and regional plans

A second family of plans exists for places where a residence or work visa demands a specific policy. The plans page explains: "In some parts of the world, you may find that you need to have specific medical insurance cover in order to satisfy the requirements of your residency or work visa application. These plans will need to be approved by the country in which you will be living." Expacare says it has "developed a range of country and regional specific plans," offering "local claims support," and lists them as "Dubai | Lebanon | Southeast Asia | Channel Islands | Africa."

The Southeast Asia plan is the one set out in detail. The page says it offers "comprehensive coverage across 11 countries in Southeast Asia," namely "Brunei, Cambodia, Christmas Island, E. Timor, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam." It is built from a core and three modules:

• "Core plan: Includes all essential in-patient and day-patient benefits."
• "Module 1 (Cancer Treatment and Chronic care): No Cover, Restricted Cover or Full Cover."
• "Module 2 (Out-Patient Treatment): No Out-Patient, Basic, Intermediate, Extended and Advanced Out-Patient options."
• "Module 3 (Additional Benefits): Dental, Wellness, Optical and Maternity options."

The page frames this as a choice: "Beginning with the core module, you have the flexibility to customize your plan by adding any of our wide range of optional benefits." Treatment under this plan is available "in any of the 11 countries listed." The page names each option level but gives no money limits for them.

The plans page also mentions two further plans for young travelers and students studying abroad, without describing them.

Group and company plans

The group page describes the "Choices Corporate Advantage plan" as "a simple way of covering your employees with the minimal amount of form filling," where an employer can "choose a single package of benefits to match the needs of your business and your budget." Optional benefits mirror the individual range, and emergency evacuation is again included on every plan. The page states: "With no medical underwriting requirements, enrolment couldn't be easier." For larger schemes, "If you are looking to cover more than 30 employees," Expacare offers a bespoke plan, and the Southeast Asia page adds that for "30 or more employees, we can tailor-make a policy," including "tailored benefits, specialised areas of cover, and bespoke direct billing networks." The homepage promotes "new discounted rates" on the Corporate Advantage Plan in the UAE, a market some buyers "may have previously been priced out of."

Buying, claims and assistance

No premiums are published. The quote form asks the buyer to "Select the type of cover you are looking for," "Select your location" from a full country list, give contact details, say "When do you want your cover to start?" and "Select policy currency GBP USD EUR." A sales line and a separate claims helpline are printed at the top of every page, alongside "Make a claim" and "Make a payment" links.

On assistance, the group page says members get "24-hour assistance" and a "multilingual support team speaking over 30 languages" that is "always on hand to help 24/7." It also says members have "the freedom to choose where they wish to receive their treatment and if they are uncertain about where to go, we'll help them find a suitable local facility." One quoted customer on the group page says "the reimbursement was arranged promptly" and that documents could be sent "via email." The pages give no age limits, deductibles or pre-existing-condition rules for individual plans; beyond the group plan's "no medical underwriting," underwriting terms are left to the quote.

Who it suits

Expacare suits an expat, family or employer who wants an FCA-authorised UK provider with a long track record, a modular plan built up from in-patient cover, and emergency evacuation on every level. Its regional plans suit someone in Dubai, Lebanon, Southeast Asia, the Channel Islands or Africa who needs a policy that satisfies a local visa or residency rule. The group plan suits a small employer that wants cover without medical underwriting. It suits a reader less well if they want to compare premiums, deductibles or benefit limits before starting a quote.