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For Americans & Brits moving to Europe

Get the insurance your visa actually accepts.

See the published rule, get cover that meets it, and apply with confidence.

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★ 4.4 Regency on Trustpilot 120+ countries Same-day cover, no exam Real prices by age →

The rule in writing

Every requirement we state is quoted from the official source and stamped with the date we last checked it. No anecdotes.

Built for the visa moment

We arrange certificates that state what consulates actually check: cover type, territory, dates, and no disqualifying deductible.

Humans, not a portal

Tell us your situation and a person reviews it against the current rule, then calls you with a quote. Cover can start the same day, with no medical exam.

Underwritten by Regency Assurance · regulated by the FSRC (Nevis)

Trustpilot 4.4 Certified ISO 27001 Information security Compliant PCI DSS v3.2 payment security Best Int’l Employee Benefits Provider Manage HR · 2023 99% of claims paid Clients in more than 120 countries Same-day cover, no medical exam 14-day cooling-off period

Ratings, certifications and figures are Regency Assurance’s — our underwriter — quoted from public sources and verified July 2026. Independent scores update over time: see Regency on Trustpilot (4.4/5) and Reviews.io (3.92/5). Covered Abroad’s own reviews appear here once we have them.

The problem

“Two visa centers, same visa, opposite answers.”

What you hear

“Travel insurance? That’s fine.”a forum “Any deductible is OK.”a call center “€30k cover is all you need.”an agency

What actually passes

The rule in writing

“For a long-stay visa (VLS-TS), you must hold private health insurance covering your full stay in France. Travel insurance and short-stay Schengen policies are not accepted.”

Official source: France-Visas (france-visas.gouv.fr) & FrenchEntrée long-stay guide — Last verified:

The published rule decides — we quote it to you with its source and date, then arrange cover that meets it.

See the rule for your case

Which move are you making?

How it works

1

Check or choose a level

Run the free policy check, or pick a plan level that fits your family.

2

Tell us your situation

Destination, visa, who is moving, and your timeline. Two short steps.

3

Our team calls with your quote

A person reviews it against the current rule and follows up by phone. No obligation.

Cover levels for the visa move

Five levels, from emergency-only to full family cover. Benefits shown are public — premiums are quote-based, and we never publish prices.

Standard

From $1,133/yearabout $94/mo billed annuallyChildren 0–17: flat $853/yr

Adds everyday outpatient care — GP and specialist visits, prescriptions, and tests — to hospital cover.

  • US$1,000,000 overall plan limit per year
  • GP, specialist, medication & lab tests (US$750 each)
  • Outpatient surgical to US$25,000
  • Semi-private hospital room & board
  • Pre- & post-hospitalisation cover

New applicants up to age 70.

+ everything included — hover to expand

Scope: No dental or wellbeing benefits at this level.

Choose StandardSee your price by age →
Most chosen for visa moves

Comprehensive

From $1,525/yearabout $127/mo billed annuallyChildren 0–17: flat $1,151/yr

Broad family cover: full outpatient, dental, wellbeing check-ups, and parental accommodation.

  • US$1,000,000 overall plan limit per year
  • Full outpatient: GP, specialist, meds, tests, physiotherapy
  • Dental (major & emergency, inpatient) + annual check-ups
  • Parental accommodation (added bed, same room)
  • Organ transplant cover to US$100,000
  • Annual wellbeing check-ups to US$250 (co-insurance)

New applicants up to age 70.

+ everything included — hover to expand

Choose Comprehensive

Want the maximum? Fully Comprehensive adds a private room, a US$2,000,000 limit and routine dental from about +$32/mo.

See your price by age →

Fully Comprehensive

From $1,906/yearabout $159/mo billed annuallyChildren 0–17: flat $1,439/yr

The highest level: full-cover room, uncapped surgeon fees, routine dental, and the largest limits.

  • US$2,000,000 overall plan limit per year
  • Full-cover private room & board
  • Full surgeon, professional & outpatient cover
  • Routine & major dental (after 6-month wait)
  • Wellbeing check-ups & vaccinations to US$500

New applicants up to age 70.

+ everything included — hover to expand

Choose Fully ComprehensiveSee your price by age →

See your exact price by age →

Budget options — limited cover

Essential Health

From $392/yearabout $33/mo billed annually

A budget plan for accident and emergency care in state hospitals only. Not full private health cover.

  • US$100,000 maximum plan limit per year
  • Unforeseen accident & emergency care only

Scope: State hospitals only, accident/emergency only. No outpatient, dental, or wellbeing cover. Not a substitute for full private health insurance on a visa application.

Choose Essential Health →

Major Medical

From $721/yearabout $60/mo billed annually

Hospital-focused cover: inpatient treatment, surgery, and emergencies, worldwide outside the US.

  • US$1,000,000 overall plan limit per year
  • Semi-private hospital room & board
  • Theatre, ICU, and emergency-room cover (full)

Scope: No outpatient, dental, or wellbeing benefits at this level.

Choose Major Medical →
  • Treatment is covered worldwide, excluding the United States.
  • Pre-existing conditions are excluded — including conditions you did not know about.
  • Evacuation & repatriation is an optional benefit that costs an additional premium.
  • Prices are Regency’s 2026 rates for the EU region: per person, per year, billed annually, starting at adult age 18 — your exact price depends on age. Children 0–17 pay a flat rate on every plan.
  • Plans run in 12-month terms and renew at the anniversary; the age limits shown apply to new applicants.
Get my quote

Not sure which level? Find your level in one minute →

Questions people ask first

Do I need private health insurance for a French long-stay visa?

Yes. France requires private health insurance for a VLS-TS long-stay visa — travel insurance and Schengen policies are not accepted. The policy must cover your full visa period with no deductible. We show you the published rule on the France requirements page.

Will my travel or Schengen insurance work for a long-stay visa?

No. Travel and Schengen policies are for short stays and are routinely refused for long-stay visa applications in France and Italy. You need a private health plan structured for residence. Our policy checker shows you why in about two minutes.

What must the insurance certificate say?

Consulates look for the cover type (private health, not travel), the territory, the policy dates covering your full stay, and — for France — no deductible. Italy year-one applications commonly require zero deductible or co-pay. Exact wording matters; we cover it on each country page.

Which countries do you cover?

France, Italy, Portugal, Spain, Greece, Malta, Germany, and Austria. Spain runs through a partner-confirmed Spain-compliant arrangement, since its rule requires an insurer authorized to operate in Spain. Cover is worldwide but excludes US treatment, and pre-existing conditions are not covered.

Apply with a certificate you’re sure of.

Tell us your situation. A person checks it against the published rule and calls you with your quote. No obligation, no pressure.

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