OG Trotter — Insurance for Expats & Digital Nomads
⚡ Get coverage in 60 seconds

Emergency Insurance for Expats & Digital Nomads

Travel with peace of mind. Direct billing support, worldwide coverage, and 24/7 assistance when you need it most.

  • Worldwide emergency medical coverage
  • Direct billing support with hospitals
  • 24/7 WhatsApp support
  • Flexible plans for long-term travelers
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Adventure traveler on mountain at sunset

Don't Let One Emergency Turn Into a $50,000 Problem

The real cost isn't just the injury—it's deposits, delays, and chaos when you're far from home.

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Upfront Deposits

Hospitals often require large deposits before treatment—especially for foreigners. You could be stuck negotiating while injured.

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Language & Logistics

In an emergency, you're making medical decisions under stress in a different system. Communication barriers can delay critical care.

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Evacuation Risk

Medical transport can cost more than months of travel—and you don't get to "shop around" in an emergency.

Direct Billing When It Matters Most

Most travel insurance reimburses you later. We're designed for real emergencies: when eligible, we coordinate with the provider and help arrange direct settlement.

No Upfront Deposits

We coordinate payment directly with hospitals

Instant Documentation

Certificate delivered immediately by email

24/7 Support

Message us anytime on WhatsApp

Worldwide Coverage

Emergency protection in 190+ countries

How It Works

Get protected in three simple steps

1

Get a Quote in 60 Seconds

Tell us your destination, dates, ages, and what you're doing (scooters, sports, etc.). We'll calculate your personalized rate instantly.

2

Buy & Get Documents Instantly

Your certificate and instructions are delivered immediately by email. No waiting, no paperwork. Coverage starts right away.

3

If an Emergency Happens, Message Us

We coordinate care and payments (where eligible) and keep you moving toward treatment—not invoices.

Real People. Real Emergencies. Real Relief.

Stories from travelers who didn't want to gamble their trip—or their bank account

★★★★★

"Knowing the hospital could be paid immediately if something happened to me was the deciding factor. This coverage gave me real peace of mind while living abroad."

Lisa M.
Expat Living in Mexico
★★★★★

"This isn't typical travel insurance. It's clearly designed for people actually living abroad. The process was fast, clear, and exactly what I needed."

James R.
Digital Nomad
★★★★★

"I didn't want full health insurance, but I needed protection for emergencies. This was the perfect solution, and the support team explained everything clearly."

Carol T.
Retired Expat

What's Included

✓ Included

  • Emergency room treatment
  • Ambulance services
  • Hospitalization (inpatient)
  • Emergency support & coordination
  • Evacuation options (if included)
  • Optional outpatient coverage

✕ Not Included

  • Pre-existing conditions (unless covered)
  • Routine/non-emergency care
  • High-risk sports (unless added)
  • Claims from illegal activity
  • Claims related to intoxication

Frequently Asked Questions

Common questions about our insurance coverage

Scooter-related medical emergencies are covered if you meet the policy requirements (e.g., helmet use, valid license, local laws, etc.). If you're unsure, tell us in the quote—we'll confirm eligibility before you buy.
Yes, our insurance meets Schengen visa requirements. Your certificate is recognized by Schengen countries and can be used for visa applications. Coverage is valid in all Schengen zone countries plus many others worldwide.
Yes! You can purchase coverage even after you've left your home country. Coverage typically starts immediately or on your chosen date. Just let us know your current location and travel plans.
When you have an emergency, contact us immediately. We coordinate with the hospital and arrange direct settlement where eligible. This means the hospital gets paid directly, and you don't have to worry about deposits or invoices while injured.
Coverage typically starts immediately after purchase, or on your chosen date. You'll receive your certificate and coverage details by email within minutes. You're protected from day one.
If direct billing isn't available, we guide you through the fastest claim path. We'll help you submit documentation and process reimbursement as quickly as possible. Our support team is available 24/7 to assist.

Get Your Free Quote

Coverage in 60 seconds. No credit card required.

1
Personal Information
2
Quote Calculator
3
Review Your Quote
4
Insurance Application Form
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Personal Information

Let's start with some basic information about you.

No credit card required. We'll send your personalized quote to your email.

Not ready to decide yet?

Speak with an insurance specialist to understand your options and find the perfect coverage for your travel plans.

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