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About Covered Abroad

The specialist for the visa moment

Covered Abroad helps American and British families moving to Europe get a health-insurance certificate that will not get their visa refused — and real cover for the years before public healthcare applies.

Why this site exists

The single hardest part of a long-stay visa is the insurance certificate. The rules are published, but buried; visa centers contradict each other; and the wrong policy — usually travel insurance — is a common reason applications are refused. We read the official requirement, quote it with its source and the date we checked it, and arrange a policy that meets it.

Our editorial policy

  • Every requirement we state is sourced to an official page (France-Visas, service-public.fr, Italian consulate guidance, or the equivalent) and carries a “Last verified” date.
  • Money and requirements pages are re-checked on a regular cadence; rule changes are logged on our Updates stream as they happen.
  • We never publish premiums or prices — the product is quote-based by design.
  • We publish no testimonials or statistics we cannot attribute and source. Where we quote our underwriter’s figures, we say they are the underwriter’s.

How we make money

We’re an insurance introducer. If you request a quote, our partner’s sales team contacts you, and we earn a commission if you buy. This never changes the requirements we report. The published rule is the published rule, whether or not you buy through us.

Who underwrites the cover

Policies are underwritten by Regency Assurance, an international insurer regulated by the FSRC (Nevis), serving clients in more than 120 countries. Regency reports that 99% of its claims are paid. Cover is worldwide excluding the United States, and pre-existing conditions are excluded. Full detail is on our disclosures page.

The verifiable facts, in one place: Regency Assurance, registered at Hunkins Waterfront Plaza, Charlestown, Nevis; regulated by the Financial Services Regulatory Commission (FSRC); providing international health and life cover since 2014. Covered Abroad is the independent introducer that runs this site and its research desk · reach us at hello@coveredabroad.com.

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.

Get a certificate that meets the published rule

Tell us your destination, visa, and who’s moving. Our team reviews it against the current requirement and calls you with a quote — no obligation.

Get my quote Check my policy first

Before you request a quote: cover is worldwide but excludes treatment in the United States, and pre-existing conditions are not covered — including conditions you did not know about. We say this up front so a quote is worth your time.