Insurance Disclaimer

Already Abroad publishes general information only. It isn't insurance, an offer of insurance, or financial, legal, tax, immigration or medical advice.

• We aren't an insurer, broker or agent. We don't sell, arrange, underwrite or administer any insurance product.
• The policy wording decides. Whether you're covered, and for how much, is set entirely by your policy documents and the insurer's decision on a claim. If anything on this site conflicts with a policy, the policy applies.
• Terms change. Insurers change eligibility, prices, limits, waiting periods and exclusions. We try to keep pages current, but information may be out of date by the time you read it. Check the insurer's current documents before buying.
• Your situation is your own. Eligibility can depend on residence, nationality, location, age, health and other factors we can't assess. If you need personal advice, speak to a licensed insurance professional in your country.
• In an emergency, seek medical help first. Contact your insurer's assistance line, if you have one, as soon as you reasonably can.

See also our terms of use and editorial standards.