
The Importance of Protecting Your International Workforce
Sending employees abroad opens valuable opportunities for business growth and expanding global expertise. However, it also presents unique challenges, especially when it comes to protecting your workforce while navigating unfamiliar healthcare systems, local laws, and unexpected risks.
Providing reliable insurance for employees is essential for safeguarding their well-being and ensuring your business operates smoothly across borders. This article outlines what international employee insurance covers, who needs it, and how to choose the right plan to support your teams overseas.
Sending employees abroad opens valuable opportunities for business growth and expanding global expertise. However, it also presents unique challenges, especially when it comes to protecting your workforce while navigating unfamiliar healthcare systems, local laws, and unexpected risks.
Providing reliable insurance for employees is essential for safeguarding their well-being and ensuring your business operates smoothly across borders. This article outlines what international employee insurance covers, who needs it, and how to choose the right plan to support your teams overseas.
Why Global Insurance Is Essential for Businesses with International Employees
Global insurance is more than just an employee benefit – it's a critical business necessity for companies with employees working across borders. International assignments expose employees and organizations to risks that can disrupt operations and lead to costly consequences if not properly managed.
Employees living or working may face unexpected medical emergencies, accidents, security threats, or travel delays that impact their health and productivity. Without adequate coverage, even minor incidents may result in significant financial burdens and operational setbacks.
By investing in comprehensive insurance for employees overseas, your company can:
- Protect employee health and safety anywhere in the world
- Reduce corporate liability and control unexpected expenses
- Maintain workforce productivity and morale in unfamiliar environments
Additionally, companies with global teams often benefit from partnering with Professional Employer Organizations (PEOs) to navigate local regulations and streamline compliance, making it easier to manage international employee insurance effectively.
When Should Your Company Invest in International Employee Insurance?
Knowing when to provide international insurance is just as important as understanding why.
Here are common situations where offering group health insurance or group travel insurance for international employees becomes essential:
- Your company is expanding globally, increasing the frequency of employee travel abroad.
- You’re bringing international consultants to your home office for multi-month assignments.
- Employees are relocating internationally for six months or longer.
- You’re hosting or sponsoring international events such as conferences or trade shows and need coverage for trip cancellations, illnesses, or travel disruptions.
In each of these cases, having group insurance safeguards your employees from unexpected challenges while helping your business maintain seamless operations, no matter where your team works.

How to Plan Effective International Group Coverage
A well-designed international group insurance plan saves time and money by tailoring coverage to your company’s specific needs and the size of your workforce abroad.
These three steps will help you assess your company’s insurance needs and guide you in selecting the right coverage:
1. Review Your Company’s Current Status and Insurance
Begin by evaluating your existing insurance policies – both health and travel – and understand their benefits, limits, and exclusions. Verify if your current plan covers risks like pandemics or travel delays caused by extreme weather.
Next, assess your company’s base and operational locations. To choose the right insurance, determine which category best describes your company today:
- A U.S.-based company with employees traveling internationally
- A U.S.-based company with offices or operations abroad (offices, manufacturing, or technical facilities)
- An international company headquartered outside the U.S. with offices worldwide
- An international company with operations and employees in the U.S.
Your insurance needs will vary depending on your company’s structure and growth plans. If you plan to expand internationally in the coming year, it’s wise to plan your coverage ahead of time to keep pace with your business growth.
2. Determine How Many Employees Need International Coverage
Estimate how many employees require international insurance over the next one to two years. Coordinate with team leaders to forecast travel and relocation patterns.
Insurance plans typically accommodate small teams (2–50 employees), medium groups (50–100), and large companies (100+), so knowing your numbers helps avoid over- or under-insuring.
3. Analyze Employee Travel Patterns and Needs
Understand where, how often, and for how long your employees work abroad. Review records and consult with managers to get the most current information – you might be surprised by what you find.
For example, you might discover that only a few teams travel abroad, but do so frequently, spending over 10% of their work time overseas. In many organizations, sales, marketing, and deployment teams are often the most active travelers.
Alternatively, you might find that nearly all employees travel internationally, but only occasionally. This is common in tech firms with remote teams that gather yearly for events.
Talk directly with employees about their needs and priorities for international travel. What have their experiences been with healthcare, travel disruptions, or cancellations? What coverage would give them peace of mind and help them focus on work?
Understanding their concerns allows you to tailor coverage that supports productivity, fosters goodwill, and makes business travel more appealing.
For individuals living abroad, explore our individual international health insurance plans.
Types of International Insurance Plans for Global Employees
Once you’ve assessed your company’s needs and employee travel patterns, you can explore coverage options designed to protect your team abroad. The right insurance will vary based on how often your employees travel, where they go, and how long they stay.
Below are the primary types of group insurance to consider for globally mobile teams:
Global Health Insurance for International Teams
International health insurance is critical for employees living or working overseas for extended periods. It ensures your team has access to quality medical care, no matter where they are.
Key benefits include:
- Comprehensive Coverage: Includes hospital visits, routine checkups, prescription medication, and emergency treatment.
- Short-Term vs. Long-Term Plans:
- Short-term coverage is ideal for temporary assignments or travel.
- Long-term plans cover employees based abroad for more than 180 days, providing continuous protection throughout their assignment.
- Flexible Limits: Choose appropriate coverage limits to avoid costly out-of-pocket expenses for major medical events.
Read More: International Group Health Insurance Plans
Group Travel Insurance for Business Trips
For employees traveling abroad frequently but not relocating, group travel insurance offers essential protection beyond medical coverage.
Key benefits include:
- Trip Protection: Reimburses costs for cancellations, interruptions, or delays due to illness, weather, or emergencies. It can also cover expenses for returning home and back to the destination if an employee faces a family emergency.
- Baggage and Document Protection: Covers lost or stolen baggage and travel documents. It can also provide funds to replace essential items if baggage is delayed, and to replace lost or stolen passports, visas, or IDs.
- Security Protection: Essential for employees traveling to higher-risk areas. This coverage may include evacuation during natural disasters or political unrest, as well as protection in cases of hijacking, detention, kidnapping, or ransom. Look for these specific terms in your plan for comprehensive coverage.
- Life and Body Insurance: Prepares for the worst-case scenarios. This coverage provides funds to transport the body home in the event of death and offers an indemnity payout for accidental death or loss of limbs during travel.
Read More: Group Travel Insurance

Group Life Insurance for International Employees
Offering a group international life insurance policy is a valuable benefit that can help attract and retain top talent, especially in a global workforce where employees may not have access to the same benefits as their local counterparts.
Key benefits include:
- Whole and Term Life Options: Offers flexibility to suit varying employee needs, from short-term assignments to long-term placements abroad.
- Customized Coverage: Designed specifically for international employees, remote teams, and expatriates, with options tailored to diverse global workforces.
- Comprehensive Death Benefits: Provides coverage for death resulting from illness or accidents, helping protect employees and their families.
- Flexible Terms: Coverage can range from one to 25 years or more, depending on your organization’s needs and employee profiles.
- Worldwide Protection: Ensures employees are covered no matter where they live or work.
Read More: Group International Life Insurance
Corporate Liability Insurance for International Operations
Operating across borders increases exposure to legal and financial risks. International corporate liability insurance helps protect your company from those threats.
Key benefits include:
- Legal Protection: Shields businesses from legal claims arising from bodily injury, property damage, or financial losses caused to third parties. This coverage is particularly important when dealing with the diverse legal systems and regulations in different countries.
- Risk Mitigation: Operating internationally exposes companies to various risks, including political instability, economic volatility, and natural disasters. Corporate liability insurance helps mitigate the financial impact of these unforeseen events.
- Compliance with Local Laws: Many countries require businesses to have liability insurance before operating legally within their borders. This coverage ensures compliance with local regulations and protects your company from potential penalties or legal issues.
- Reputation Protection: In the event of a liability claim, having insurance can demonstrate that the company takes responsibility for its actions, which can help safeguard its reputation and maintain trust with stakeholders, customers, and partners.
- Financial Security: Liability claims can result in significant financial burdens, especially when legal expenses and compensation payments are involved. International corporate liability insurance offers financial security by covering these costs, reducing the risk of bankruptcy or severe financial setbacks.
- Enhanced Risk Management: The process of obtaining international corporate liability insurance often involves risk assessment and analysis. This helps companies identify potential risks and implement better risk management strategies to minimize the likelihood of future claims.
- Facilitating Partnerships and Contracts: Liability insurance is often necessary when entering into international contracts or partnerships with clients or suppliers. Having this coverage can facilitate smoother negotiations and instill confidence in potential collaborators.
- Access to Expert Advice: Many international corporate liability insurance providers offer risk management resources and legal counsel. This expertise can be valuable for companies navigating unfamiliar legal and regulatory landscapes.
- Peace of Mind: Knowing that the company is protected against potential liabilities across multiple countries gives business owners and stakeholders peace of mind. This allows them to focus on what matters most: managing core operations and driving growth.

International Income Protection for International Employees
When employees suffer illness or injury abroad, income protection ensures they continue to receive a portion of their salary during recovery.
Key benefits include:
- Global Coverage: International income protection insurance offers coverage no matter where the policyholder resides or works. This is particularly beneficial for individuals who frequently travel for business or have relocated abroad, ensuring they are protected wherever they go.
- Income Continuity: If an employee cannot work due to illness or injury, international income protection replaces a portion of their lost income. This ensures that they can maintain their standard of living and meet financial obligations, such as rent, mortgage, and daily expenses, even during periods of disability.
- Customizable Policies: Many insurance providers offer flexible policies that allow individuals to customize coverage according to their needs and budget. Policyholders can select the benefit amount, waiting period (the time before benefits begin), and benefit duration, ensuring a personalized insurance solution that suits their unique situation
- Portability: One key advantage of international income protection is its portability. Coverage remains in effect even if the policyholder moves to a different country or changes employers. This portability ensures continuous coverage, eliminating the need to reapply for insurance or face potential coverage gaps due to international relocations.
- Financial Security for Expatriates: Expatriates and individuals living abroad face challenges like being far from their support networks and healthcare. International income protection offers financial stability and peace of mind during illness or injury, helping expatriates and their families manage potential income loss while living in a foreign country.
We also offer plans that include medical evacuation, repatriation, foreign general liability, and additional protections. All coverage can be tailored to your company’s specific needs.
How to Choose the Right International Insurance for Your Employees
Choosing the right international insurance plan starts with careful planning – and the right partner.
Start by reviewing your company’s coverage needs, then contact our team of experienced advisors. We’ll guide you through your options and provide quotes from top-rated providers.
We recommend taking time to shop around and not basing your decision solely on price. While cost matters, consider provider reputation, service quality, policy features, and how well the plan supports your team abroad.
Uncovered medical emergencies or accidents can expose your business to significant liability. The right insurance protects your employees and company, ensuring safe and successful work trips abroad.
Ready to take the next step? Request a free group quote today and let us help you build a tailored solution to support your global workforce.
Read More: Group Global Benefits and Insurance
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Author: Andrew Blomberg is the Vice President of Global Benefits at International Citizens Insurance. Andrew is a licensed insurance broker with expertise in the areas of international group travel, global health, life, and disability insurance. Having worked and traveled throughout the world, he has the experience to provide personal insight along with his industry knowledge. Andrew is dedicated to providing group benefits to organizations, large and small, for today's global workforce. Connect with him on LinkedIn.