Is travel insurance a suitable alternative?

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The simple answer is no.

Travel insurance is not an appropriate alternative if you are living or working overseas for any length of time. The reason is that travel insurance will only cover for emergencies and for a very limited period of time. Furthermore, travel insurance will often will not cover people who are working during their time abroad. Travel insurance is designed for holidaymakers, whereas international health insurance plans are designed with expats in mind.

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