There are some countries in which assisted dying is already legal, while many other countries are engaged in conversation as to whether or not it should be legalised. At the time of writing, more than 400 million people have the legal right to access assisted dying worldwide. 

Assisted dying is a sensitive topic. In this article, we’ll explain a bit about what it means, and we’ll also tell you how it may affect your life insurance policy.

What is assisted dying?

Assisted dying is also known as assisted suicide. It is the process of a person voluntarily ending their own life with the help of another person.

A person may consider assisted dying when they are living with chronic, untreatable and unbearable pain that is affecting their quality of life, and/or if they have been diagnosed with a terminal illness.

Assisted dying can be an active or a passive act. In active acts, a third-party performs an action that directly results in the person’s death, for instance by administering a lethal dose of a drug.

In passive acts, a third-party intentionally does nothing to prevent a person’s death, for instance by ceasing life support and allowing the patient to pass away of natural causes.

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In some cases, a person may not be able to execute their suicide through their own power, for instance if the person has become physically incapacitated. They may therefore call upon another person to perform an action that will either result in their death, or directly end their life. Or, they may direct a person responsible for their care to stop taking action that keeps them alive. 

In other cases, a person may be able to perform the decisive action themselves, but will depend upon another person to provide them with the means to end their own life.

Assisted dying is a legal and moral grey area, especially because no two assisted deaths are ever the same. In some countries, assisting in another person’s suicide is considered tantamount to murder or manslaughter.

In other countries, the act is decriminalised under certain conditions. Only a few countries explicitly allow assisting in another person’s death, so long as the actions taken are within the confines of the law.

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Which countries allow assisted dying?

Different countries have different laws regarding assisted dying. These laws determine the cases and circumstances where assisted dying can be considered permissible. 

Some countries explicitly allow assisted dying and have enshrined the right to assisted death in law. Other countries have simply decriminalised the practice, meaning there is no legal framework for physicians to work under but they can avoid prosecution for their actions. In other countries, assisting in another person’s suicide can be considered illegal and may incur legal penalties.

In countries where assisted dying is legal, the law usually states that a patient must present with an illness that is causing intolerable pain diminishing their quality of life, and that there is no hope of the patient recovering.

Countries where assisted dying is legal under specific circumstances

In other countries, assisted dying may be considered legal or decriminalised under certain exceptional circumstances.

This typically covers only patients who already have a terminal illness and wish to end their lives before the illness runs its natural course. It may also involve legal precedents that theoretically permit assisting in another person’s suicide, but are not explicitly enshrined in law.

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When might a person seek assisted death?

Assisted death is a serious decision. Countries that allow assisted death typically require the patient to undergo extensive evaluations prior to approving the request.

This can include:

• Psychiatric tests to determine that the patient is of sound mind
• Multiple stages of application to determine the seriousness of their request
• A waiting period to ensure the patient has time to change their mind

Even at the point of terminating a patient’s life, it is important that the patient reaffirms their intentions. Physicians in countries that allow assisted suicide may also withdraw their consent to act in support of a patient’s decision for any reason.

Even so, there are several circumstances under which a person may choose to end their life. This usually occurs when the patient is:

• Experiencing unbearable and chronic pain
• Has little to no hope of recovery

Some of the circumstances under which a person may seek assisted suicide include:

Unbearable pain

If a person has an illness or injury that causes them constant, unbearable pain, they may seek to terminate their life early. In many countries that allow assisted dying, the cause of this pain must be untreatable and lifelong.

Serious and terminal illness

A person who has a serious illness that is certain or almost certain to result in their death may seek assisted dying as a means to ‘go out on their own terms.’ The Australian Centre for Health Law at Queensland University of Technology found that the most common reason people sought assisted death was because of:

1. Cancer – 66.5% of cases
2. Heart conditions – 6.8% of cases
3. Lung conditions – 4.9% of cases

Diminished quality of life

In many countries, a person whose quality of life has been severely diminished has grounds to seek assisted dying. The grounds for what counts as a diminished quality of life are subjective, but typically mean the patient has lost autonomy, dignity or the ability to do the things they love.

This could be because the person has been disabled or paralysed by an injury, or an illness such as motor neurone disease (MND). A study in the Netherlands found that 32% of patients with MND sought assisted dying.

Neurological distress

It’s not just physical pain that can lead a patient to seek assisted death. Neurological illnesses are the second-most common cause for patients to seek assisted death (8.1%). A study in the Netherlands and Belgium found that a small but significant percentage of patients seeking assisted death (around 1–3%) cited Alzheimer’s as the primary cause.

What are the implications for life insurance?

As more countries start to allow assisted dying, life insurance providers are weighing up how it affects their policies.

The key question for insurers is whether assisted dying counts as a form of suicide, or a natural form of death.

Since insurers typically have standard exclusions for suicide in their terms and conditions, there are many cases where a person who dies of suicide may not be eligible for life insurance.

Right now, most insurers view assisted dying as a form of suicide. This means it may be subject to the same limitations. It’s now up to life insurance providers to create special terms in their policies to cover instances of assisted dying.

But this is made challenging by the special circumstances surrounding assisted dying. In a fast-changing legal context, it can be difficult to judge assisted dying equally around the world. Life insurers therefore need to consider factors such as:

• Is assisted dying legal in the country where the death occurred?
• Did the person(s) involved travel to another country to undergo assisted death? Is that legal according to the laws of their home country?
• In which country is the life insurance contract based? Is assisted dying legal in that country?
• Did the life insurance policy cover the deceased overseas?

Insurers must also be aware of other concerns, such as if the beneficiary receiving the benefit assisted in the act, and whether their participation was legal.

Ultimately, life insurance providers do not want to stand in the way of assisted dying. But they must also design their policies in a way that is fair.

At the moment, most insurers – including us at William Russell – write a clause into their policies that life insurance will only cover death by suicide after the policy has been held for over a year. Since assisted dying is considered a form of suicide, that clause still applies. 

So, while policies may change in the future, for now it’s important to read and understand your policy wording and speak to your life insurance provider in order to understand policies around assisted dying.

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How we view assisted dying at William Russell

We’d like to clarify our own position on the matter.

While we recognise the unique circumstances around assisted dying, like other insurance providers, we treat it in the same way as suicide.

This means we cannot honour claims where a person has died through assisted suicide if the death occurred within the first 12 months of their policy, or in the 12 months following an increase in coverage.

For clarity, we exclude all claims where the cause of death is judged as suicide or attempted suicide, or comes about through self-inflicted injuries, whether or not the person was mentally sound at the time, in the first year of a policy.

However, it’s important to say that this is only the case for now. We remain open to updating our policy terms in the future.

Our terminal illness benefit

At William Russell, we are able to offer one alternative to support people with terminal illnesses. This is our terminal illness benefit, which is included with all group and individual international life insurance policies.

This benefit allows you to take your full life insurance payment early if you have been diagnosed with a terminal condition and have been told you have less than 12 months to live.

If you are eligible to take an early payment of your life insurance under the terms of our terminal illness benefit, you could take the money and then undergo an assisted death without any loss of compensation.

While we understand that not all people who choose an assisted death have a terminal illness, and others may have a prognosis of longer than 12 months, we hope this new terminal illness benefit can go some way towards supporting many of those people who choose to undergo an assisted death.

Will our policies change?

It’s possible that they will. The legality of assisted dying is still a matter of debate in many countries around the world. This makes it challenging for international life insurance companies to create policies that benefit people who choose an assisted death.

In the future, we expect to see many advances in assisted dying legislation, which could help to remove some of the barriers we face. This could allow us to update our policies.

As more countries start to fully legalise assisted dying, we will start to see more formal approaches towards assisted dying pathways, which will be enshrined in law and therefore considered legitimate means of death. The most desirable outcome will be to separate assisted death from the notion of suicide entirely.

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International life insurance from William Russell

At William Russell, we’ve been providing international life insurance to people all over the world for more than 30 years.

If you have any questions about what our life insurance covers, contact our friendly team today—we’d be more than happy to help.

The post How Does Assisted Death Affect Life Insurance? appeared first on William Russell.

It’s important to know that while there are many benefits to dual citizenship, there are also a number of challenges you might face. In this guide, we’ll run through some of the most common questions people ask about dual citizenship – including how it might affect your entitlement to healthcare and health insurance.

Everything you need to know about duel citizenship

Obtaining dual citizenship can be tricky. You can only become a dual citizen of two countries that both agree to allow you to do this.

However, it’s more common than you might think in an increasingly globalised world – for instance, 1,236,000 people in the UK hold dual citizenship (around 2% of the country, or 1 in 50 people).

If you’re an expat who has been living and working abroad for a while, you may be thinking about applying for dual citizenship. Likewise, you may be thinking about dual citizenship if you’re marrying a foreign citizen, if you’ve had a child abroad, or if you’re purchasing property.

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What is dual citizenship and how does it work?

Dual citizenship, also known as multiple citizenship, dual nationality or second citizenship, is when a person holds the legal status of ‘citizen’ in two or more countries. This means the person is:

• Considered a full citizen under the laws of those countries
• Entitled to all the rights of a citizen in all countries, including the right to hold a passport, the right to work, to own property, to vote and the right to consular support
• Also potentially subject to the obligations of citizenship in those countries, including the obligation to pay taxes or to take part in national service

Dual citizenship has a long and complicated history. The Bancroft Treaties signed by the United States and European countries between 1868 to 1937 made it law that a citizen of one country who settles in another must give up their previous citizenship, so by the mid-20th century it was extremely rare to find countries that allowed dual citizenship.

However, as global travel became easier and as legal challenges against citizenship laws started to mount up, many countries warmed to the concept. In 1948, the British Nationality Act permitted dual citizenship in the UK, followed by the Canadian Citizenship Act of 1976.

The Bancroft Treaties collapsed throughout the 1990s, which made it possible for European countries and the US to follow suit. Even today, countries are still updating their citizenship laws to allow dual citizenship – for instance, Germany only started allowing dual citizenship in June 2024.

That said, not every country allows dual citizenship, and in order to become a dual citizen both countries must allow dual citizenship under their own laws. Around 49% of countries in the world allow dual citizenship. However, there may be certain restrictions and barriers, even within those countries.

Rules and eligibility criteria for dual citizenship can vary significantly between countries. It’s important to do your research and always check the specific laws and requirements of both your current nationality and the country where you’re seeking citizenship.

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Which countries allow dual citizenship?

Many countries allow dual citizenship, although some countries impose restrictions on who can obtain citizenship and which countries they can combine citizenship with.

The following list contains the 71 countries that recognise and allow full, unrestricted dual citizenship with all other countries in most cases.

*Except with South Sudan

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Which countries don’t allow dual citizenship?

Any country not mentioned above will either not allow dual citizenship or considers it a legal grey area (meaning dual citizenship may technically be possible, but could lead to problems).

The countries that explicitly do not allow dual citizenship are:

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How can I obtain dual citizenship?

In order to obtain dual citizenship, you will first need to meet the citizenship criteria of another country. There are a number of channels by which you can become the citizen of a second country, which include:

Dual citizenship by naturalisation

Naturalisation occurs when you are considered eligible to apply, or automatically enrol for citizenship in another country. It means you have ‘naturalised’ into that country’s society and economy and can legally be considered a part of that country.

Naturalisation typically occurs once you have lived in another country for a certain number of years. Most countries will state a minimum number of years that you must live in that country continuously in order to be eligible for citizenship.

Naturalisation is not always an automatic process. Even after residing in a foreign country for some time, you may still need to complete certain tasks in order to be considered for citizenship.

For instance, in the UK, you must:

• Have lived in the UK for five years or more, or have EU settled status
• Pass the Life in the UK test, which tests your knowledge of the history and political structure of the UK
• Pass an English language test
• Be able to prove you are “of good character”
• Submit your biometric information
• Pay the application fee of £1,630

You can then apply for citizenship at the Home Office. If successful, you will undergo a citizenship ceremony which includes swearing an oath of allegiance to the United Kingdom.

Assuming your country of origin and new home country both allow dual citizenship, you will either:

1. Not have to give up your original citizenship in order to become a citizen of your new home country, or
2. Be able to apply for dual citizenship status through either one, or both government channels of those countries

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Dual citizenship by marriage

Some countries will allow you to become a citizen through marriage. In certain countries, marriage grants you automatic citizenship. However, each country is free to determine the eligibility of individuals who marry, and may impose certain restrictions. 

For instance, you may need to reside in your spouse’s country for a certain period of time, or you may need to undergo a citizenship test. Some countries may also strip you of your citizenship if the marriage ends. The rules for each country may be different for men and women, and certain countries may not recognise homosexual marriages as eligible for granting citizenship.

Assuming both your country of origin and new home country allow dual citizenship, and if you fulfil all of the necessary criteria for citizenship, you should be able to enjoy dual citizenship.

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Dual citizenship by ancestry

Countries will determine the right of newborn children to inherit citizenship based on two principles. The first is jus sanguinis, the right of blood; the second is jus soli, the right of soil. Some countries may observe just one principle, while others may observe both:

• Jus sanguinis means that you can be considered a citizen of a country so long as you are ethnically part of, or descended from that country. For instance, if one or both of your parents is a native citizen, or if you are able to prove descent through historic birth records. This means you can apply for citizenship, even if you were born abroad. Countries that observe jus sanguinis include China, India, Japan, South Korea, the US, Canada and most European countries.
• Jus soli means that you will automatically be considered a citizen of the country you were born in. Jus soli may not apply automatically if you were born to non-citizen parents, and you may need to apply later in life after having grown up in that country. Countries that observe jus soli without restriction include Canada, Mexico, Argentina, Brazil and Pakistan.

Some countries may allow retrospective applications for citizenship based on these principles. For instance, if you were born in the UK to Irish parents and have British citizenship, you can apply for dual Irish citizenship. Likewise, if you were born in the UK to Irish parents and given Irish citizenship, you will later be eligible to apply for dual British citizenship.

In any case, you will need to be aware of the exact laws governing birthright citizenship in the country or countries you wish to apply for citizenship for.

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Dual citizenship by property purchase

Some countries offer citizenship to those who purchase property in that country, also known as ‘citizenship by investment’. Countries that are open to this policy include Antigua and Barbuda, Dominica, Grenada, Malta, Saint Kitts and Nevis, Saint Lucia, Türkiye and the UAE (in some cases).

The exact rules will vary by country, and the route to obtaining citizenship through property purchase is not always straightforward. Most countries will also specify a minimum property value that you must complete a purchase on.

For instance, to gain Maltese citizenship through property purchase you must:

• Be over 18
• Hold a valid residence card
• Be in good health
• Purchase a residential property worth at least €600,000 if you have lived in Malta for 36 months, or €750,000 if you have lived in Malta for 12 months
• Hold the property for at least five years
• Donate €10,000 to an organisation approved by the Community Malta Agency

Some countries offer property purchase as a gateway to citizenship. Non-EU citizens can purchase property in Greece, for example, which offers permanent residency and, after seven years, opens the doors for them to become full citizens.

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If I have dual citizenship, which passport should I use?

Obtaining dual citizenship may allow you to visit countries that your previous passport did not allow you to enter, or to visit countries visa-free. So long as at least one of your passports allows you to enter or exit a territory, this is the passport you should use when travelling to that country. You must ensure you use only one passport for the entire duration of each trip, especially if you will be crossing multiple borders.

When entering or exiting a country that you hold a passport in, you must usually use that country’s passport at immigration control. This means you may need to travel with two or more passports. 

For instance, if you have dual US and British citizenship, and you are travelling from the US to the UK, you will need to show your US passport to leave the US, then show your UK passport to enter the UK – but you may need to show proof of your US exit stamp when arriving in the UK.

If you are unsure which passport to use, it’s best to contact the embassy or consulate of the country or countries you will be visiting.

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How does dual citizenship affect my international health insurance?

While we cannot speak for other health insurance providers, as a William Russell member you will find that your dual citizenship offers you an additional level of flexibility.

Ordinarily, we are only able to provide international health insurance if you are living in a foreign country. We’ve emphasised those words because if you are living in a country where you hold citizenship, we would usually not be able to offer you international health insurance.

However, as a dual citizen, we are able to class you as an expat even if you are living in one of the countries you hold citizenship. This is because we will use your other nationality as your main one for insurance purposes.

So, for instance, if you have dual British and French citizenship and are living in France, we can classify you as a British citizen living abroad, rather than as a French citizen living at home.

This may make it easier for you, as you will not need to switch to local health insurance or rely on state healthcare, and can continue to access the benefits of your William Russell insurance policy.

This rule also counts if you already have an international health insurance policy and are applying for dual citizenship in the country you are living. After your dual nationality is granted, we will continue to classify you as a citizen of your original country for insurance purposes.

If you are a dual national and planning to move to a country where you hold citizenship, you should alert us before you move, as we may need to change the main nationality on your policy. Please note this may affect the cost of your premiums and, if you do not inform us, may also affect your ability to make a claim.

If in doubt, speak to our award-winning customer service team today. They’ll be happy to take you through your policy options.

International health insurance, tailor-made for expats

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Find out more about our international health insurance policies and get a quote online in under two minutes.

The post Dual Citizenship: Everything You Need To Know As An Expat appeared first on William Russell.

Since 2022, the number of digital nomads worldwide has tripled to around 35 million, and over 50 countries now offer a special digital nomad visa to attract remote workers to their shores. Those numbers are only set to increase over the next decade as the digital nomad lifestyle becomes ever-more popular with those combining work with travel.

However, all is not well in paradise. Due to a number of factors, residents in several popular digital nomad locations have started to raise grievances about their loose-footed neighbours. In this article, we’ll explore some of the reasons locals and digital nomads are coming to loggerheads around the world, and what you – as a digital nomad – can do to help the situation.

The background: What is a digital nomad and where do they tend to go?

A digital nomad is a person who is able to work remotely, and who travels to a foreign country to do their work. They may be employed by a company, self-employed or freelance, an entrepreneur or a company founder. The typical digital nomad tends to do most of their work from a laptop, which means they can perform their job from a coffee shop, bar, hotel or even the beach.

In the aftermath of the COVID-19 pandemic, when many people started to adapt to remote working, certain countries created special digital nomad visas to encourage tourism. The first country was Estonia, which had suffered a 63% decline in tourism during the first year of the pandemic, and introduced its digital nomad visa as early as 2020. By February 2024, Estonia had administered 535 digital nomad visas.

The digital nomad visa was an instant hit, and many other countries started to follow suit. In 2024, more than 50 countries have now started to offer a digital nomad visa, which usually includes:

• Residency for an extended period of time, usually between three months to two years
• Tax incentives, such as no income tax charged on foreign-sourced income
• A fast-track application processes

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By the end of the pandemic, more than 10 million people had already taken the opportunity to live and work abroad. But the pandemic was then closely followed by a sudden cost of living crisis, which decreased the spending power of many people in Western countries. This added an additional incentive for people to work overseas, and the number of digital nomads worldwide tripled to around 35 million by 2024.

Where do digital nomads tend to go?

So long as they can find a stable internet connection and a comfortable seat, digital nomads can theoretically travel anywhere. Other major draws may include a low cost of living, a tropical climate and access to nature, such as beaches. The availability of a digital nomad visa is also important, but not always essential.

A few destinations have already emerged as firm favourites among the digital nomad community. These so-called ‘Zoom Towns’ are typically major metropolitan cities with highly-developed infrastructure. With good availability of Airbnbs, co-working locations and transport infrastructure such as airports and rail stations, they make both the ideal places to work for several weeks at a time, and to use as a base for travel.

In 2023, William Russell listed these cities as the world’s top 10 most popular destinations for digital nomads:

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What problems are digital nomads causing?

A handful of digital nomad destinations have emerged as significantly more popular than others. 

With tens of millions of digital nomads now roaming the world, these places in particular have noted a sudden, rapid influx of people over the last couple of years. For some destinations, this unforeseen swell has led to a number of problems, such as:

1/ Overcrowding

When a destination becomes popular with digital nomads, a rapid surge in population leads to both public and private spaces becoming overcrowded, especially in hotspots such as beaches, restaurants and co-working spaces.

2/ Putting strain on local infrastructure

One of the impacts of overcrowding is that it puts urban infrastructure under immense pressure. This can affect everything from utilities like sewage and electricity, to supply lines for food and medicine, and of course the availability of housing.

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3/ Gentrification

Gentrification is the purposeful redesigning of urban spaces to meet the needs of a non-native population. When it comes to digital nomad hotspots, gentrification occurs when neighbourhoods change their look and feel, facilities and housing to appeal to remote workers – for instance, by replacing popular local restaurants with swanky coworking cafés.

4/ Inflated prices

Because digital nomads often earn higher wages than local people, landlords and business owners often capitalise by raising their prices. While these price hikes may be affordable for digital nomads, they end up impacting local residents, who are in turn ‘squeezed out’ of their own local economy.

5/ Decreased housing stock

Digital nomads tend to look for short-term rental accommodation when moving overseas, and one of the preferred methods for finding a home is to use Airbnb. To meet the rising demand, landlords will often buy up rental properties throughout a city and convert them into Airbnbs. This, however, removes housing stock from the general population, which can lead to acute housing shortages and inflate the price of property.

6/ Increased crime

Unfortunately, as digital nomads descend upon a certain area, criminals often follow in their wake. Drug dealers, for instance, are keen to get in on a thriving new market, and pickpockets will find the hustle far more lucrative in digital nomad hotspots. Many digital nomads have felt the impact of more serious crimes, from burglary to sexual assault, and in some cases even kidnapping and murder. The increased crime that follows digital nomads can also impact the local community, who may see the digital nomad community as a cause of increased crime.

7/ Conflicts with locals

Digital nomads bring their own cultures with them. They may not speak the local language or conform to local customs, and since their stays are short-term, they may not make much effort to integrate. They may also end up being the indirect cause of social problems, such as noise pollution and litter. As these issues combine, it can result in hostility from local people.

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Where else might digital nomads not feel welcome?

At William Russell, we’re connected to a worldwide network of digital nomads. Over the years, we’ve heard many stories about the most, and least popular places for digital nomads to settle.

Among the least popular places, we’ve found that some countries seem to get a consistently bad review for being unaccommodating of digital nomads. While this may not be because of any particular policies, digital nomads who choose to visit these countries should be aware that they may face certain unexpected challenges:

Saudi Arabia

Saudi Arabia, despite its efforts to diversify its economy and attract tourists, presents challenges for digital nomads. The country’s conservative laws and cultural norms, rooted in Islamic tradition, may clash with the values and preferences of many digital nomads.

Restrictions on freedom of expression, particularly concerning political and social issues, can be stifling for those accustomed to more liberal environments. Gender inequality also remains a significant concern, with women facing numerous restrictions on their freedoms and opportunities. While Saudi Arabia may offer unique cultural experiences, its strict social and legal framework may be off-putting for much of the digital nomad population.

China

With its bustling cities, dynamic economy, and ancient heritage, moving to China holds immense appeal for digital nomads seeking new experiences. However, navigating the country’s digital landscape presents significant challenges.

The Great Firewall, China’s system of internet censorship, blocks access to many popular Western websites and platforms, limiting digital nomads’ online freedom and connectivity. Obtaining long-term visas for remote work purposes can also be a bureaucratic maze, requiring extensive documentation and sponsorship for expats and digital nomads looking to bring their work with them.

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South Africa

South Africa’s brand new digital nomad visa came into operation on 28 March 2024. However, expats currently living in South Africa suggest it might not be the most welcoming environment.

While there are many perks to living in South Africa – from the glorious landscapes to the hot climate and access to incredible wildlife – South African cities also boast some of the highest crime rates across the continent. Any expat in South Africa is advised to pay extra special attention to their safety and well-being.

Digital nomads moving to South Africa should also be aware of the huge inequalities between locals and foreigners, which contributes to high levels of theft, home robberies and even violent crime. Coupled with an ongoing political crisis that manifests in poor quality healthcare and frequent power cuts, it’s easy to see why South Africa is experiencing a huge wave of outward migration, with 413,000 South African citizens leaving the country between 2000 and 2022.

Venezuela

Venezuela’s ongoing economic crisis and political instability pose significant challenges for digital nomads. Hyperinflation and shortages of basic goods can make everyday life difficult and unpredictable. This in turn poses a huge safety concern for digital nomads, who will likely be entering the country with far more wealth than the local population.

Digital nomads dead set on working in Venezuela should be vigilant and prepare for the reality that high crime rates and political unrest might prevent them from fully embracing the local experience. Indeed, Venezuela topped our list for countries with the highest crime rates in 2023.

Japan

While Japanese people are renowned for their hospitality and good manners, the reality of living in Japan has shocked many digital nomads who have reported widespread discrimination against foreigners. A sudden surge in immigration over the last 10 years has caused friction between the native Japanese and ‘Gaijin’ (‘foreigners’).

Digital nomads report feeling discriminated against in the workplace (where Japanese working culture is enforced quite strictly), in bars and restaurants (which are known to turn away non-Japanese people) and in public. With a ubiquitous culture and difficult language, it can be hard for digital nomads to integrate into Japanese culture, and this has left many people feeling lonely and isolated.

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What can digital nomads do about it?

If you are a digital nomad yourself or thinking of becoming one, you may want to ensure you aren’t adding to the problem.

Being a conscientious digital nomad may help you to integrate and settle into your new culture, as you are less likely to receive backlash from locals. You will also benefit by avoiding ‘digital nomad traps’, such as inflated prices, overcrowded spaces, lower standards of infrastructure, and ultimately an inauthentic experience.

Here are some of the ways you can roam the world more authentically and live your digital nomad life to the full:

Get off the beaten track

Digital nomads instinctively flock to large, metropolitan cities. But there’s nothing stopping you from heading to smaller, quainter places too. Smaller towns and cities will benefit much more from receiving digital nomads like you, and you are more likely to be welcomed with open arms. If you have your heart set on visiting the big cities and popular tourist destinations, you can always make these destinations a ‘holiday within a holiday’.

Immerse yourself

A big part of the digital nomad experience is getting to know foreign cultures. This will only happen when you throw yourself into the deep end and surround yourself with as much culture as possible. Don’t just head for the top-rated restaurants; ask locals for their recommendations. Don’t just spend all your time in the same coworking spaces; try local cafés, libraries and offices where you are more likely to bump into local people. Don’t spend all your time in digital nomad communities; try to make friends with the locals, too.

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Avoid Airbnb

Airbnb is a convenient alternative to traditional renting, as it allows you to book high-quality, serviced accommodation in advance. However, Airbnb is widely condemned for contributing to housing shortages in popular digital nomad destinations. To help alleviate the problems caused by the short-term rental market, you should instead look for traditional forms of accommodation: either renting property directly through a private landlord, or living as a lodger (i.e. renting a room or annex in someone’s home). You should also avoid living beyond your means – renting a three-bedroom home for yourself removes that housing stock from a growing family, who would benefit much more from the extra space.

Learn the local language

Many digital nomads miss the opportunity to pick up new languages while living abroad. Don’t be one of them. By spending time at a language school, or with a language tutor, you can not only come home with new skills, but make it easier for you to make friends and integrate into local society. Learning the local language will also ensure that local people feel more comfortable around you, since they are less likely to immediately think of you as an outsider.

Be mindful of locals’ concerns

As many locals push back against digital nomads flocking into their towns and cities, you may be tempted to keep a low profile and hope it all blows over, especially if you take the view that you, personally, are not part of the problem. Unfortunately, burying one’s head in the sand rarely solves the problem. Rather than avoiding the limelight, try to listen to local people’s concerns. You may be able to help the situation if you can act as a bridge between local people and the digital nomad community. Speaking to local politicians, the local media and community groups may be a good way to add your voice to the wider conversation.

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Don’t flaunt your wealth

Because digital nomads usually work for overseas companies, they tend to earn significantly more than the local population. While this can afford you a higher quality of life, it’s important not to let this increased spending power go to your head. Remember, the more digital nomads congregate in one area, the more prices will rise and the higher the risk of gentrification becomes – often at the detriment of local people. Spend your money mindfully, and if you find your excess cash burning a hole in your pocket, try to use it towards something productive for your local community. Donating to local charities will always be appreciated.

Be a conscientious nomad

Digital nomads get a bad reputation when they fail to act in a way that is consistent with local culture and traditions. When you first move to a new destination, you should go out of your way to learn about the local culture and adapt your behaviour accordingly. This may include wearing certain styles of clothing, using local gestures, and contributing to society in a meaningful way. Above all, be polite, courteous, and behave in a way that is consistent with how local people act.

Conclusion

The number of digital nomads worldwide is only set to increase over the next decade. During this time, it’s important that everyone, whether they are already a digital nomad or thinking of becoming one, becomes more mindful of the issues surrounding this lifestyle.

As a digital nomad, you should be mindful of the impact you are having on your local community, and try to minimise this. Adapting to cultural traditions, communicating with local people and avoiding overpopulated areas are just some of the ways you can help to tackle the big problems caused by digital nomadism.

Make the most of your digital nomad experience

At William Russell, we have over 30 years’ experience providing international health insurance for digital nomads just like you.

Remember, many destinations will require you to have health insurance when applying for a digital nomad visa. Our international health insurance policies offer the option of worldwide coverage, giving you the ability to move wherever your heart takes you, with no extra hassle.

Take the stress out of international health insurance by choosing William Russell. Find out more about our international health insurance policies and get a quote online in under two minutes today.

The post Why Are Digital Nomads Becoming Unpopular? appeared first on William Russell.

While there are a few hoops to jump through, many people have no problem moving their pets with them to a foreign country. In this guide, we’ll outline a few steps you need to take and the things you need to keep in mind in order to safely and comfortably move your pet to a foreign country.

Preparing to move abroad with pets

So, you’re moving abroad, and you’d like to take your pet(s) with you. The good news is, this is usually a straightforward process. The bad news is, there are some exceptions where you may find it more difficult, or even impossible.

The camp you and your pet fall into depends on a number of factors, including:

• The pet import laws in your destination country
• The species, and breed of your pet
• Whether your pet is microchipped and vaccinated
• The age and health of your pet
• Whether or not your pet has complex needs, e.g. requires specific temperatures to survive
• The availability of specialist transportation to move your pet, especially over long distances

As you can see, the challenges you may face will depend on the laws about bringing pets into your new home country, and the logistics of moving your pet. If you are moving to the other side of the world via plane, it may be very difficult to bring your beloved pet with you.

So, in order to prepare for moving your pet abroad, there are a few things you’ll need to do in advance.

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1/ Check the local laws in your new country around importing pets

Every country will have its own rules and regulations about the import of pets. The rules you encounter will change depending on the species and breed of animal you are importing, and the country you are moving from. The rules will be subject to change based on the emergence of new criteria – for instance, during the COVID-19 pandemic, it became much harder for people to move their pets from one country to another.

If you can’t find up-to-date information about pet import laws online, you may wish to consult the nearest embassy or consulate of your destination country.

2/ Make sure your pet is up-to-date with vaccinations

All countries require proof of an up-to-date rabies vaccination for animals such as cats, dogs and ferrets. The GOV.UK website states that your pet must be at least 12 weeks old before it is eligible to receive a rabies vaccination, and that you must wait at least 21 days after your pet has received its vaccination until it is ready to travel.

Most countries will also require evidence that your pet has been vaccinated against diseases including distemper, hepatitis, parvovirus and leptospirosis. In the case of leptospirosis, your pet may need to undergo testing in your home country 30 days prior to your departure, before it can be deemed eligible to travel.

There may also be other vaccinations your pet requires before it is eligible to travel. Check with your destination country’s embassy or consulate to understand the laws around pet vaccinations. For instance, EU countries specify that pets must be treated against the tapeworm Echinococcus multilocularis.

3/ Get your pet microchipped

At the same time your pet receives its rabies vaccination, you should also have it microchipped. A microchip contains a unique number that can be used by veterinarians around the world to identify your pet and connect it to its universal medical records, including records of vaccinations.

A microchip also holds contact information about you, the owner, meaning it can be used to help identify your pet if it is lost or stolen. In many countries, it is a legal requirement that your pet must be microchipped.

4/ Apply for an International Health Certificate

After completing its vaccinations and having been microchipped, your veterinarian will be able to issue your pet with an International Health Certificate (IHC). This will document your pet’s vaccinations records and medical history, as well its date of birth, weight, breed, microchip number, owner’s contact details and the pet’s name. IHCs are valid for up to four months, and can be used for any onward travel during this time. You may need to pay a fee to acquire an IHC from your vet.

You will need to submit your pet’s IHC at least 10–15 days before travelling, both to the customs authorities of the country you intend to travel to, and the couriers or airline who are responsible for relocating your pet. Failure to submit a complete and notarised IHC may result in your pet being denied entry.

5/ Get a pet passport

If you would like something a bit more permanent than an IHC, you may be able to apply for a pet passport. Some countries issue these passports in lieu of IHCs, and they are valid for between one year to the entire life of your pet (so long as it continues to receive its full course of inoculations).

Not all countries accept pet passports, so you may still need to acquire a separate IHC depending on where you are travelling. On the other hand, some countries actually require your pet to have a passport.

If you are moving to a country that accepts pet passports, it’s advised you apply for the scheme ahead of time. Pet passports contain the microchip details, vaccination records and notes from the animal’s veterinarian. You may need to pay a small fee to be issued a pet passport.

The pet passport for the country you intend to move to may be different from the typical Pet Travel Scheme (PeTS) passport, so make sure you research ahead of time if, and what form of pet passport to apply for.

Which countries require a pet passport?

The pet passport scheme is used across the European Union, but many other countries accept and/or require a pet passport. They include:

What if I can’t get a pet passport?

Pet passports are not accepted in many countries, and are not available for certain species including birds, small mammals and reptiles. If you are travelling to a country that does not accept pet passports, and/or you intend to travel with an animal that cannot be given a pet passport, you will need to import the animal like any other form of live cargo. For this, you will need to ensure your pet has an Export Health Certificate (EHC) signed by a vet, or a private health certificate where these are not available.

6/ Apply for an import permit

Another document you may need, especially if you are moving outside of Europe or North America, is an import permit. In order to obtain this, you will need to visit the government website of the country you are moving to and complete a form, submitting details of your pet’s vaccination and medical history while also paying a fee. You will need to display a copy of this import permit at the border when you arrive in your new home country.

The process for applying for an import permit will vary depending on the country you are travelling to, so make sure to check well in advance. You will typically need to apply for an import permit at least 10–15 days before travelling.

In summary

When taking your pet abroad, you should begin by visiting your vet. They can provide the necessary vaccinations and microchipping, and help you get started with the necessary paperwork. You must also check with the embassy of the country you intend to travel to in order to find the relevant documentation to legally import your pet.

Make sure all paperwork is completed and submitted ahead of your planned travel date and that you comply with all laws, otherwise your pet may be turned away at the border, quarantined, or you could face a sizable fine.

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Questions to ask when moving your pet overseas

Once you have completed all the relevant paperwork, you will need to think about the logistics of moving your pet to a foreign country. Whether you intend to move your pet by land, sea or air, you will need to:

• Prepare your pet for a lengthy journey
• Consult your courier (if you are using one) to understand their policies
• Embark your pet, and be ready to receive it
• Understand the laws of all territories you intend to pass through, especially if travelling by land

Here are some things to think about in advance of moving your pet:

1/ How will you be transporting your pet?

Do you intend to move your pet yourself, for instance by travelling in a car? Or, will you be handing your pet over to a courier, such as an airline? 

The mode of transportation you choose will inevitably put your pet under stress, so you may want to think about ways to make it easier.

If you’re moving your pet by car

Make sure your car is properly air conditioned, that your pet has a comfortable seat in a shady spot, and that you have enough food, water and medication for the journey.

Pets can often get anxious and travel sick on long journeys, so you should factor in several rest stops to give your pet time to stretch its legs and use the toilet.

If you’re moving your pet by plane

Every carrier has its own rules and requirements for the transport of animals and you may need to shop around to find an airline that will allow you to ship your pet. Many airlines (particularly those flying smaller aircraft) do not allow the transport of animals.

Others will allow pets to be transported in the cargo hold, for which they will usually provide a dedicated holding pen for your pet. Meanwhile some airlines, including KLM, Lufthansa and Air France, may allow you to take your pet with you in the cabin, so long as the pet is less than 8 kg and can fit inside a cabin bag

Before agreeing to ship a pet via air, you should be aware of your pet’s health and resilience. While most airlines regulate the temperature and climate of the cargo hold to around 18 degrees centigrade, and provide a specialist carrying case to suit your pet’s size and weight, you must still remember that your pet will be travelling alone for the duration of the flight.

If your pet requires regular feeding, medication, toilet cleaning, or is known to be anxious when separated, travelling by air may cause your pet distress. It’s therefore up to you to make sure your pet has a comfortable, suitable environment for the duration of its flight.

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There are other questions you may wish to ask yourself in advance of transporting your pet:

• Is demand high? Airlines have limits on the number of pets that can be transported on each flight, so if you’re travelling in peak season, you may find spaces limited on board. Be sure to book well in advance to avoid disappointment.
• Will your pet be transferring via connecting flights, and if so have you checked in advance on the rules and procedures about bringing pets through the connecting country/airport? And, does the connecting airline have different rules that you need to be aware of?
• Will your pet be on the same flight as you, or will it be travelling alone? If so, does the airline or receiving country have rules around how quickly the pet must be collected when it has disembarked?
• Will you require specialist travel insurance that covers you for loss or injury to your pet?

If you’re moving your pet by boat

While many ferries allow pets on board, only a few liners and cruise ships do the same, so you should check with the shipping company to see what their rules around pets are. Those that do allow pets tend to provide pet facilities such as exercise areas on board, but you must be sure to bring your own supply of food and medication, especially if you will be making a long trip.

You should also be aware of the customs procedure at the opposite port, since you may encounter a less developed customs station than you would find in an airport. Make sure you have all relevant documentation with you, and that you understand the laws of the receiving country.

If your ship is scheduled to stop in countries that you do not have clearance for, you may need to leave your pet on-board if you wish to disembark. You should understand the ship’s rules regarding unattended pets if you will be leaving your pet alone.

2/ Do you need an acclimation certificate?

An acclimation certificate may be required by airlines when they cannot guarantee the transfer of your pet in compliance with animal welfare guidelines in either your country of departure, destination country, and/or the country in which the aircraft is registered, or the International Air Transport Association’s Live Animal Regulations manual.

An acclimation certificate waives the airline’s liability in the case of injury, distress or death caused by the transport of your animal, and places the responsibility on your shoulders. If your airline requests an acclimation certificate, you will need to get one from a vet, who will assess your pet’s health, wellbeing and resilience in order to make a decision. Acclimation certificates are becoming rarer, but some airlines – particularly those in North America – still use them.

3/ Are you prepared for the final leg of the journey?

It may sound simple, but something many pet owners forget is the final stage of the journey, i.e. the journey from the port/airport to your new front door.

For this, you may wish to organise a taxi in advance – specifically, one that will permit you to bring a pet with you. If this is not an option, you may instead wish to hire the services of a specialist local courier.

4/ Should you use a pet relocation company?

If you are unsure of your responsibilities, if you think your pet may require expert handling, or if you simply wish to take the stress out of moving your pet abroad, you may wish to speak to a pet relocation company. These are specialist companies that manage the transfer of pets overseas.

They may be able to handle the entire process on your behalf, including acquiring documentation, organising transport, ensuring your pet has a comfortable and safe journey, and receiving the pet in your new home country. These services don’t come cheap, but you may find them to be worth the price in return for all the headaches saved.

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Should I rehome my pet instead of taking it abroad?

In some cases, it may not be possible to take your pet with you. This is especially likely if:

• Your pet is too old to travel
• Your pet has complex health conditions that make it difficult to travel
• Your pet is of a species or breed that is forbidden from entering your new home country
• You are unable to adhere to the complex requirements in your new home country

You must also consider whether moving your pet to a different country would be inhumane and cause the pet unnecessary pain and distress. This may be the case if:

• You are moving to a climate that the pet is not familiar with, and that its species or breed is not suited for
• You are moving to a place where the wildlife poses a threat to your pet’s life
• You are moving to a place where your pet’s complex needs cannot be satisfied by the local infrastructure. E.g., you will not be living near a vet who can provide your pet the medication it needs.

Furthermore, remember that moving your pet internationally may end up being a two-way journey. Your pet may be fit and healthy enough to travel today, but will they still be fine to travel home in a few years time?

If you feel it would be better to leave them at home, you may wish to consider rehoming your pet. This is a deeply personal choice, and one that many expats before you have had to make. Some expats have been lucky enough to have friends or family willing to take them on their behalf, while others have had to send their pet to a rescue facility. In either case, you must be ready to face this emotional choice.

If you go for the latter option, it’s important to speak to a reputable local facility. Try to find one that specialises in the species of your pet. Remember that if your pet is old and infirm, it may be more difficult to find a rescue facility willing to take them in.

You may also need to take your pet to the vet in order to have them vaccinated or microchipped before a rescue facility agrees to take them. Remember, if your pet is taken into a rescue facility, they may be put up for closed adoption, meaning you won’t be given details about the new owners and you may not be able to see your pet again.

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How to help your pet settle in

Once your pet has arrived safely, they may take several weeks to get used to its new surroundings. During this time, you may notice your pet’s behaviour change – they may seem skittish, reclusive or even angry. These are natural responses, and they are likely to get back to feeling themselves soon – still, there is plenty you can do to accelerate the process and help your pet settle in quicker.

1/ Make sure to pack home comforts

Your pet is likely to be sensitive to sights, smells and sounds that feel familiar. Therefore, you can help them feel more at home by surrounding them with objects brought from home. Whether it’s their favourite toys, blankets or snacks, or even the sofa they used to sleep on, try to ensure there is continuity between your old home and your new home.

2/ Stay close

Your pet is likely to feel much more anxious if it is both in a foreign place, and alone. Therefore, try to stay close to your pet (if you can) while it is still settling in. If you’re starting a new job, see if there is a ‘bring your pet’ policy. Your pet may exhibit more ‘needy’ behaviour, such as wanting cuddles – try to be sensitive and make time to reassure and soothe your pet as it settles in.

3/ Continue your routines

An especially important tip if you have moved to a new time zone is to continue your ordinary routines from home. For instance, try to continue feeding at the same times of day. This will help your pet experience a sense of normality, despite the alienness of its new surroundings.

4/ Get out and about

Taking regular walks, letting your pet exercise in the garden, or getting it out of its habitat will help your pet to become acquainted with its new environment. As it builds up a profile of the sights, smells and sounds in its new home, they will start to adapt and feel more at home.

5/ Protect your pet

A new environment may present new dangers. The local wildlife may be more aggressive, local plants may be spikier and stingier, and periods of extreme hot or cold may all put your pet at risk. If your pet is constantly on edge against new threats, they will find it harder to settle in. Try to ensure your new home is a safe space for your pet by removing or reducing the risk of hazards.

6/ Give your pet a ‘safe space’

If your pet seems reclusive or anxious, they may be struggling to adapt to its new environment. In these cases, they may prefer the solitude of a secluded space. Try to make sure your pet has a cage, box or bed away from prying eyes where it can go to be alone. Keep this space out of reach of children to ensure your pet has time and space to rest and recuperate.

7/ Spoil your pet

If all else fails, you can always shower your pet with gifts, love and attention! New toys, rich food and a comfy new bed may help distract your pet, helping it to feel happy in spite of its new surroundings.

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Helping you move abroad since 1992

At William Russell, we have over 30 years’ experience helping expats just like you settle into their new lives overseas.

We don’t insure pets, but we do provide international health insurance for every other member of your family. With flexible coverage options, access to over 40,000 medical facilities worldwide, a 24/7 helpline, medical evacuation insurance as standard and much more, let us help take the stress out of your move.

Find out more about our international health insurance policies and get a quote online in under two minutes today.

The post Moving Abroad With Pets: Can You Take Your Pets Abroad? appeared first on William Russell.

The good news is that it’s all manageable with a bit of planning and some simple decision-making. Here’s our guide to help you navigate what to do with your furniture, homeware, and most cherished items as you prepare to start your new chapter abroad.

Weighing the pros and cons of selling or storing your belongings

Deciding whether to sell or store your belongings is a personal one. That’s why it’s important not to rush into a decision you might regret later. Let’s start by looking at the key reasons why expats choose to sell or store their belongings:

Selling your belongings

Pros of selling

• Less hassle and expense: Selling your items means you won’t need to worry about monthly storage fees or the logistics of transporting goods to a storage unit. It also frees you from the task of managing items from afar.
• Extra cash: The money you make from selling furniture, appliances, or electronics can help fund your move and support your new lifestyle abroad.
• Decluttering: A move is the perfect opportunity to clear out the things you no longer need, leaving you ready to start fresh when you reach your new home.

Cons of selling

• Replacing items later: Selling means you will need to rebuy the things you need if and when you decide to return home. 
• Sentimental loss: If you have items with emotional value – such as heirlooms or memorabilia – selling them could lead to regret. Once they’re gone, they’re often irreplaceable.
• Time and effort: Selling your belongings can take time, especially if you’re hoping to get a good price. Organising sales or listing items online may add stress to your moving preparations.

Storing your belongings

Pros of storing

• Convenience: Long term furniture storage allows you to keep your possessions safe and secure, so you don’t have to replace everything if and when you return. 
• Preserving sentimental items: Putting items in storage ensures you can keep items of personal or emotional value without needing to make any permanent decisions about them.
• Flexible options: There are storage solutions for every budget if you’re willing to do the research, from small lockers for a few key items to climate-controlled units for larger or more valuable belongings.

Cons of storing

• Cost: Storage fees add up. While it may seem affordable in the short term, it’s important to think about how long you may need to keep your items in storage, and how you can continue to afford the payments.
• Risk of damage: Even in the best conditions, items in storage can be subject to wear and tear. Furniture may warp, electronics can corrode, and the risk of accidents like fire or flooding always exists.
• Out of sight, out of mind: While storing belongings provides peace of mind, it can be easy to forget what you’ve packed away. If your move turns out to be longer than expected, you may question whether the items were worth storing in the first place.

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Sell or store? Questions to consider

To help you decide whether to sell or store your belongings, we’ve created an essential list of questions to consider. 

1/ How long will I be away?

If your expat role is for a fixed period, such as a one year secondment overseas, and you know you’ll return home after that, short term storage may make sense. However, long term furniture storage can be expensive, so consider whether everything you own is worth keeping. On the other hand, if your move is more open-ended, it might be a good opportunity to sell or donate items that you no longer need.

2/ Will I need this when I return?

Imagine what your life will be like when you return home. Will that oversized sofa or bulky coffee table fit in your future living space? If you anticipate downsizing or living in a different type of property, some of your furniture might not be practical to keep.

3/ Do I use this regularly?

We all have those items we once loved but no longer use – like that set of golf clubs gathering dust, or the box of clothes you haven’t worn in years. Use this as an opportunity to de-clutter your life. If you’re not getting much use out of something now, it might not be worth holding onto, especially if it’ll just sit in storage for years to come.

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4/ Is it in good condition?

Even if an item is useful, consider its condition. Furniture, clothes, books and kitchen utensils can all wear out over time. Will it still be useful and appealing after spending a year or two in storage? If it’s already showing signs of age or wear, it might be time to let it go and replace it when you return.

5/ Does it hold sentimental value?

Sentimental items are often the hardest to part with. Whether it’s family heirlooms, old photo albums, or keepsakes from loved ones, some things are irreplaceable. Prioritise storing these meaningful possessions. They may not have much financial value, but their emotional significance is priceless. You may also be able to give them to family and friends to hold onto, and keep safe.

6/ Could I sell this one and buy another one abroad?

Depending on where you’re moving to, you may be able to find a like-for-like replacement for your essential items. This means you won’t need to worry too much about parting with your belongings. 

Better still, you may even be able to make a profit. This is because some of your favourite items may be considerably cheaper abroad. Say, for instance, you sold your frying pan for £10. You may be able to find the same frying pan, brand new, in your new country for £5. Hey presto, you’ve not only replaced your frying pan, you’ve also walked away with a tidy profit!

7/ Is it a duplicate?

If you’ve got three sets of crockery or an excessive amount of kitchen gadgets, consider whether you really need to store them all. Keep a few essentials and sell or donate the rest to lighten the load.

Once you’ve answered these questions, you’ll have a clearer sense of what to keep and what to let go. For items you decide to sell, take a realistic approach to pricing. It’s easy to overvalue our own possessions, but remember, the goal is simply to shift those items.

You can sell unwanted items online through marketplaces, or locally through car boot sales or charity shops.

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The expat guide to storing your belongings

If you’ve decided to keep certain belongings, you’ll need somewhere safe and affordable to store them. Here are a few tips to help make sure your possessions stay in good condition during your time away.

1/ Research storage options

Long term furniture storage can vary significantly depending on where you live and the type of unit you choose. Shop around and compare furniture storage costs to ensure you’re getting the best value for money. Look for reputable companies with secure facilities and consider long-term deals if you expect to be away for an extended period.

2/ Pack carefully

It goes without saying, but pack fragile items – like glassware or crockery – with extra care. Use bubble wrap, and make sure to fill boxes with packing material to prevent shifting during shipping. Number each box and keep a list of what’s inside, so you or a friend can find items easily if needed.

3/ Disassemble where possible

Furniture that can be taken apart will not only take up less space in storage but also reduce the risk of damage. Be sure to label each piece carefully and keep all screws and bolts in labelled bags, so reassembling is easy when the time comes.

4/ Consider climate-controlled storage

For wooden or upholstered furniture, or valuable art, consider investing in a climate-controlled unit to protect against humidity, damp, or extreme temperatures. While it may cost a bit more, this can make all the difference in preserving your belongings in pristine condition.

5/ Don’t forget insurance

If you’re storing high-value items, it’s worth considering self-storage insurance. This will protect your possessions against potential risks such as theft, fire, or flood, giving you peace of mind while you’re abroad.

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Thinking of moving abroad?

Wherever you decide to move, make sure you have the confidence of international health insurance.

At William Russell, we have been providing worldwide health cover for over 30 years, helping expats like you and their families to settle into their new homes overseas. Speak to us today to find out more about how global health insurance could support you.

The post Selling Or Storing Your Belongings: Essential Tips For Moving Abroad appeared first on William Russell.

In this guide, we’ll walk you through the process of obtaining medication while you’re living overseas, including some of the challenges you may face.

Getting medication abroad: how to fill a prescription when moving overseas

When moving abroad, navigating the local pharmacy system may vary depending on the country’s healthcare regulations. Some nations might require a new prescription from a local doctor, while others accept international prescriptions.

It’s essential to understand the process early on, including which medications are available, how to get refills, and whether you need to find alternative brands due to availability or regulations.

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Preparing to move abroad if you’re on prescribed medication

If you are currently taking prescribed medication, there are some steps you’ll need to take in order to prepare for your move abroad.

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1/ Take out international health insurance

Wherever you plan to move in the world, international health insurance can be very helpful – especially if you are taking regular medication.

International health insurance ensures that if you need help obtaining medication in a foreign country, or run out of essential medication while living abroad, you will have access to emergency healthcare services.

With international health insurance, you may be able to:

• Fund the cost of emergency prescriptions
• Help you find doctors and pharmacies in a foreign country
• Ensure you are protected when you travel to a different country to the one you’re living in

With international health insurance, you will also be covered for the cost of new prescriptions, i.e. prescriptions written for medical conditions you develop while living abroad and already insured.

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2/ Make sure you have a copy of your prescription

Before you leave, visit your GP to obtain a notarised copy of your prescription along with a cover letter. 

These should record the name of the medication prescribed, and the condition(s) it is intended to treat. They should also identify you as the person to whom they are prescribed – for this reason, it’s important to make sure the name on your prescription and cover letter matches the name on your passport.

While travelling through the border of a foreign country, you should keep any medication containing a controlled drug in your hand luggage along with a copy of your prescription and cover letter. You must be ready to declare these medications, to show your doctor’s note, and to prove that you are the person identified in your cover letter. 

If you are travelling by air, remember that the amount of liquid you can take in a single container via hand luggage must be no more than 100ml, meaning you may need to decant liquid medication into separate vials.

3/ Do you need to get your prescriptions translated?

Whether you’re crossing the border or visiting a foreign pharmacy, some countries may accept a copy of your prescription and cover letter in English, while many others will only accept these documents in the local languages.

Before setting off, you should check which language your prescription and cover letter should be in. If in any doubt, speak to a medical translation specialist.

Remember, you will need to provide your original prescription and cover letter in a notarised format, i.e. signed by your doctor and/or written on letter headed paper. Therefore, you may wish to return to your doctor to have your translated copy notarised, or alternatively bring both the original and translated copies with you.

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4/ Ask for additional stock of your medication

If you take medicine regularly in the form of a repeat prescription, you may be entitled to receive a stock of up to three months’ worth of your prescription. This is to help tide you over while you complete the move to a foreign country.

It should be noted that, after you arrive in a foreign country, your healthcare supplier may relinquish responsibility for you, at which point you will be required to register with a healthcare provider in your new country of residence in order to receive your prescription moving forward.

It should also be noted that some nations may restrict the supply of medicine you are allowed to bring into the country. For instance, if you are travelling between Schengen states, you will only be allowed to carry up to one months’ worth of medicine.

5/ Check if your prescribed medication is banned or not available overseas

Before you set off, you should research the availability of your prescribed medication in the country you are moving to. In some cases, you may find that your prescribed medication is:

• Prohibited for sale in your new home country
• Not widely available, or not available at all
• Extremely expensive, i.e. out of your price range

This may be especially true for opioid-based painkillers, psychotropic substances and medical marijuana.

You may also find that your prescribed medication is not available from reputable suppliers. This means that, while the medication may be listed as available, it may be distributed by a different manufacturer.

The efficacy of the drug may therefore not be as great as the one you are currently taking, and you may also run the risk of receiving counterfeit medication. If you fear this may be a possibility, you should research thoroughly whether it will be possible to receive your preferred medication through alternative channels.

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6/ Can your doctor prescribe an alternative?

If your medication is banned or unavailable, or if you believe the supply will be undependable, you may wish to speak to your doctor about other options. Tell your doctor about your plans to move to another country, and see whether they might be able to prescribe an alternative medication.

7/ Can you get your medication through other means?

If your preferred medication is not widely available in your new home country, you may be able to find it via alternative channels. 

If your new home country has a national formulary, this will list available, licensed drugs that can be prescribed as alternatives, or imported. A GP should be able to prescribe and/or procure these drugs for you. Unfortunately, many developing countries do not have national formularies, meaning you may need to try other routes.

If the same drug is not available and there is no equivalent alternative, you may need to consider these options to find a replacement:

• Contact a travel medicine specialist or a pharmacist in your home country. They will be able to access international drug databases to find exact or equivalent products that suit your needs.

• Contact your national embassy. They may be able to point you towards trusted pharmacies, or import drugs on your behalf.

• Contact your international health insurance provider – they may be able to point you in the direction of specialists.

• Check reliable, regulated online stores to see whether you can personally and safely purchase your medication and have it shipped to you.

Finding a pharmacy overseas

Once you arrive in your new home, the first thing you should do is search for your nearest pharmacy. You may wish to pay them a visit sooner rather than later to show them your prescription and set up an account, which will make it easier for you to procure your essential medication moving forward. 

You can also take this opportunity to start building a relationship with your new pharmacist – having a good rapport with your pharmacist can be very beneficial, especially if you will be visiting regularly and want to be seen quickly!

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Types of pharmacy to look for

While living abroad, you may come across several different types of pharmacy. The type of pharmacy you will need will depend on your circumstances.

Retail pharmacy

Also known as a community pharmacy or high street pharmacy, this is a typical pharmacist’s shop that can be found in town centres, shopping centres, village high streets and so on. They may be independent or part of wider chains, such as Boots in the UK. Retail pharmacies employ pharmacists who work behind the counter serving prescriptions, prescribing medications for minor conditions and offering advice on medications.

Hospital pharmacy

Large hospitals have their own pharmacies, which are responsible for managing medications on behalf of the hospital. Hospital pharmacists work closely with healthcare professionals elsewhere in the hospital, synthesising drugs, filling prescriptions, hosting clinical trials, and consulting patients. If you require emergency medication, a hospital pharmacist may be able to fill your prescription.

Clinical pharmacy

Like hospital pharmacies, clinical pharmacies exist in smaller facilities, dentists offices and patient care homes. While visiting one of these facilities, you may be administered a prescription, which can be filled by the on-site pharmacist. You may also be able to attend a clinical pharmacy in an emergency.

Ambulatory care pharmacy

For people who live in remote and rural regions, or who have mobility issues that prevent them from attending a pharmacy in person, an ambulatory pharmacy may exist to help bring medications to their doorstep. The ambulatory pharmacist may also check in with patients to monitor the efficacy of treatments. Ambulatory care pharmacists may also respond to patients in an emergency.

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Which symbols to look for

Pharmacies are generally easy to spot while out and about, but different countries may use different symbols to identify their pharmacies. These symbols are derived from centuries of tradition, and may be helpful in identifying reputable and legitimate pharmacies.

Paying for your prescription

As a foreign national, it is likely that you will have to pay for your prescriptions out-of-pocket when you first arrive in a foreign country. Depending on the type of medication you need, you may find the cost of drugs to be considerably higher than it was in your home country. However, there are several options available to help you manage the cost of your prescription abroad.

Seeking reimbursement

You may be able to claim back the costs of any prescription medication abroad from the national health insurer of your home country. While you will still need to pay the full cost of the medication at the point of sale, you will be entitled to claim back the full costs of any medications bought when you return to your home country.

Your access to this scheme will depend on the type of health insurance you have in your country of citizenship. For instance, EU citizens who are in possession of a valid European Health Insurance Card (EHIC) will be able to claim back all expenses for any prescription medication bought anywhere in the world, so long as they are able to submit a receipt to the health insurer in their local country. For this reason, it is important you keep hold of any receipts given along with any medication.

Signing up to your local health system

Another way to reduce or manage the costs of your prescription medication abroad is to sign up with the local healthcare system. There are various steps you may need to take in order to achieve this, including gaining residency and paying healthcare taxes or national insurance. This process may not be possible in countries that use an out-of-pocket system for health insurance, such as the United States, where you may need to sign up to a private health insurance provider.

Claiming through international health insurance

As mentioned previously, if you have international health insurance, you will be covered for the cost of any new prescriptions you have written while living abroad. Find out more about how to make a claim through international health insurance here.

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Start your new life abroad with William Russell

At William Russell, we have over 30 years’ experience helping expats just like you settle into their new lives overseas.

We offer flexible policies to suit your needs, offering you access to a network of over 40,000 private medical facilities, hospitals and clinics across the globe.

Find out more about our international health insurance policies and get a quote online in under two minutes today.

The post Getting A Prescription Abroad: How To Use Pharmacies Overseas appeared first on William Russell.

In this article, we’ll explore how attitudes toward family, family values, and traditions differ by looking at examples of family culture around the world.

Family culture in The West

The nuclear family

The nuclear family, typically consisting of two parents and their children, has been the traditional family structure in Western societies since the Industrial Revolution. Before this, extended families, including grandparents, aunts, uncles, and cousins, often lived together or nearby, especially in agrarian societies where family labour was essential.

The Industrial Revolution, beginning in the late 18th century, shifted family dynamics as people moved from rural areas to urban centres for work. This mobility and the need for economic self-sufficiency led to smaller, more immediate family units. 

By the 19th century, the nuclear family was idealised as the cornerstone of Western society. The post-World War II era, especially in the 1950s, further solidified this ideal. In the United States, for example, the image of the sub-urban nuclear family, with a breadwinning father, a homemaking mother, and well-behaved children, became a cultural symbol of prosperity and stability.

In recent decades, family culture in the West has evolved, reflecting broader social changes. While the nuclear family remains a key model, there is increasing acceptance of diverse family structures, including same-sex and single-parent families.

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Attitudes toward marriage and parenting

Western attitudes toward marriage and parenting are often considered to be the most progressive in the world. These attitudes are characterised by a strong emphasis on individual choice, equality, and modernity.

Let’s take a closer look at how these values translate into western marriage and parenting:

Western attitudes to marriage

• Romantic love and personal choice – In the West, marriage is viewed as a partnership based on romantic love and personal choice. Unlike in some cultures where marriages may be arranged or heavily influenced by family and social obligations, Western societies prioritise the individual’s right to choose their own partner. Love, mutual respect, and compatibility are considered the cornerstones of a successful marriage.
• Marriage as a partnership of equals – Gender equality is a key value in Western marriages. Both partners are generally expected to contribute equally to the relationship, whether in terms of financial support, household responsibilities, or decision-making. This egalitarian approach is a significant shift from more traditional models, where distinct gender roles were more strictly defined.
• Accepting alternative family structures – Western attitudes toward marriage are increasingly flexible, with growing acceptance of various forms of relationships. This includes cohabitation before marriage, same-sex marriage, and remarriage after divorce. The traditional expectation that marriage is a lifelong commitment has also been challenged, with divorce being more socially accepted as a solution to unhappy or dysfunctional marriages.

Western attitudes to parenting

• Promoting independence – Western parenting often emphasises the importance of raising children to be independent and self-sufficient. From an early age, children are encouraged to express themselves, make their own decisions, and take responsibility for their actions. 
• Child-centred parenting – Modern Western parenting is also characterised by a child-centred approach, where the needs, interests, and well-being of the child are given significant importance. Parents often strive to create nurturing environments that foster their children’s emotional, intellectual, and social development.
• Equality and shared responsibilities – As with marriage, there is a strong emphasis on gender equality in parenting roles. In many Western families, both parents are expected to share in childcare responsibilities, regardless of whether both parents work outside the home. This is a departure from the traditional model where mothers were primarily responsible for childcare while fathers were the breadwinners.

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Hispanic and Latin American family culture

Everyone under one roof

In Hispanic and Latin countries such as Spain, Portugal, Argentina and Brazil, as well as Italy and other South and Central American countries, the extended family plays a central role, often extending beyond the immediate household to include grandparents, aunts, uncles, cousins, and even close family friends. This close-knit family structure has deep roots in the region’s cultural and historical contexts, where family ties are paramount, and the concept of familial loyalty is highly valued.

Unlike in Western societies, where the nuclear family became the predominant model, Latin families have traditionally maintained a strong emphasis on the extended family. Multigenerational households are common, with several generations living under one roof or in close proximity. This arrangement fosters strong intergenerational bonds and ensures that family members are supported throughout their lives, from childhood through old age.

Attitudes toward marriage and parenting

Although they are slowly becoming more and more Westernised, Hispanic and Latino attitudes toward marriage and parenting are still deeply influenced by cultural traditions, religious beliefs, and societal expectations. While these attitudes have evolved over time, they continue to reflect a strong emphasis on family unity, respect for elders, and clearly defined gender roles.

Latin attitudes to marriage

• Marriage as a social and religious institution – Marriage in Hispanic and Latin countries is often viewed as both a social and religious institution, deeply rooted Catholic heritage. The sacrament of marriage is highly respected, and weddings are significant family events, often involving large celebrations with extended family and friends.
• Emphasis on family unity – Marriage is seen as a partnership that strengthens family unity. It is expected that both partners will work together to maintain harmony within the family, often prioritising the needs of the family over individual desires. This collective approach contrasts with the more individualistic view of marriage in the West.
• Traditional gender roles – While gender roles in Hispanic and Latino marriages are evolving, traditional expectations still persist in many areas. Men are often viewed as the breadwinners, while women are typically responsible for managing the household and raising children. However, as women’s roles in the workforce continue to grow, these dynamics are gradually shifting, with some Latin countries considered to be more progressive than others.

Latin attitudes to parenting

• Respect for authority – Hispanic and Latino parenting is often characterised by a strong emphasis on respect for authority, particularly the authority of parents and elders. Children are taught to show deference to their parents and other adults, reflecting broader cultural values of respect and obedience.

• Collective childcare – In Hispanic and Latino countries, childcare is often a collective effort, with extended family members playing active roles in the upbringing of children. Grandparents, aunts, and uncles frequently contribute to childcare, reinforcing the importance of family support networks.
• Parental sacrifice – There is a strong cultural expectation that parents will make significant sacrifices for the well-being of their children. This often includes financial sacrifices, as well as prioritising children’s needs over personal ambitions. Education is highly valued, with parents striving to provide their children with better opportunities than they had themselves.

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Culture and family in East Asia

Strong discipline rooted in tradition

In East Asia, the concept of family is deeply rooted in Confucian ideals, which emphasise respect for elders, filial piety, and the importance of maintaining harmony within the family unit. The extended family, encompassing multiple generations, has traditionally been the cornerstone of social structure in countries such as China, Japan, Korea, the Philippines and Vietnam.

Historically, extended families often lived together in large households, with grandparents, parents, children, and extended relatives sharing the same space. This multigenerational living arrangement fostered close family bonds and ensured that the elderly were cared for by younger generations.

Although urbanisation and modernisation have led to smaller household sizes in recent decades, the extended family remains a vital part of life in East Asia, with frequent interactions and strong emotional ties continuing to play a central role.

Attitudes toward marriage and parenting

Marriage and parenting in East Asia are shaped by a complex interplay of tradition, modernity, and societal expectations. While these attitudes have evolved, they continue to be influenced by cultural values that prioritise family cohesion, respect for authority, and the fulfilment of social obligations.

East Asian attitudes to marriage

• Marriage as a family obligation – In East Asia, marriage is often viewed as a social obligation, not just between two individuals but between two families. It is seen as a means of continuing the family lineage and fulfilling duties to one’s ancestors. As a result, marriages are sometimes influenced by considerations of family compatibility, social status, and parental approval, rather than purely individual choice.
• Emphasis on harmony and duty – Harmony and duty are central to the concept of marriage in East Asia. Couples are expected to work together to maintain a harmonious household, often placing the needs of the family above personal desires. 
• Evolving gender roles – Traditional gender roles, where men were expected to be the primary breadwinners and women the caregivers, have long been the norm in East Asia. However, these roles are gradually evolving, particularly in urban areas, where more women are pursuing careers and sharing financial responsibilities. Nonetheless, expectations regarding marriage and family roles remain more traditional in rural areas.

East Asian attitudes to parenting

• Filial piety – Filial piety, or respect and care for one’s parents and ancestors, is a fundamental value in East Asian parenting. Children are raised with a strong sense of duty to their parents, which often includes financial support, co-residence, or care in old age. 
• Education and achievement – Education is highly prized in East Asia, and parents often place immense importance on their children’s academic success. This emphasis on education is seen as a way to secure a prosperous future and bring honour to the family. 
• Parental authority – Parenting in East Asia typically involves a hierarchical structure, where parents have clear authority over their children. Respect for this authority is a key expectation, and children are often raised with a strong sense of discipline and obedience. This approach is rooted in Confucian values, which stress the importance of social order and respect for elders.

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Family traditions in South Asia

Honour above all

In South Asia, the concept of family is deeply intertwined with cultural and religious values that emphasise respect for elders, the importance of kinship, and the collective well-being of the family unit. The extended family, which includes multiple generations living under one roof, has long been the foundation of social structure in countries such as India, Pakistan, Bangladesh, Sri Lanka, and Nepal.

Traditionally, large joint families – where grandparents, parents, children, and other relatives live together – are common. This arrangement fosters strong familial bonds and ensures that the elderly are supported by younger generations.

While urbanisation and modern lifestyles have led to the emergence of nuclear families, the extended family continues to play a pivotal role in South Asian life, with frequent gatherings and close-knit relationships remaining central.

Attitudes towards marriage and parenting

Marriage and parenting in South Asia are shaped by a blend of traditional values and religious beliefs. Although these attitudes are evolving, they continue to be heavily influenced by cultural norms that prioritise family honour, social cohesion, and adherence to established customs.

South Asian attitudes to marriage

• Marriage as a social contract – In South Asia, marriage is often viewed as a vital social institution that extends beyond the union of two individuals. It is considered a bond between two families, with significant emphasis placed on compatibility, social status, and religious considerations. Arranged marriages, where families play a central role in selecting a suitable partner, remain common, though love marriages are gradually gaining acceptance, particularly in urban areas.
• The role of family honour – Family honour is a critical aspect of marriage in South Asia. The actions of individuals, especially women, are often seen as reflections of the family’s reputation. This has traditionally led to a strong emphasis on maintaining social norms and fulfilling familial duties within the marriage.
• Changing gender roles – Traditional gender roles, where men are expected to be the primary breadwinners and women the homemakers, have been deeply ingrained in South Asian society. However, these roles are gradually evolving as more women pursue education and careers, particularly in urban areas. Nevertheless, traditional expectations regarding marriage and family responsibilities often remain more pronounced in rural areas.

South Asian attitudes to parenting

• Respect for elders – Respect for elders is a cornerstone of parenting in South Asia. Children are taught from a young age to honour and obey their parents and other senior family members. This respect is deeply rooted in cultural and religious traditions, which emphasise the importance of caring for one’s parents in their old age.
• Education as a means of advancement – Education is highly valued in South Asian families, often seen as the key to social mobility and success. Parents place great importance on their children’s academic achievements, viewing education as a way to secure a prosperous future and bring pride to the family. 
• Parental authority and discipline – Parenting in South Asia often involves a hierarchical structure, where parents hold significant authority over their children. Discipline and obedience are core values, and children are typically raised with a strong sense of duty and responsibility.

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Family culture in the Middle East

Tradition, patriarchy and honour

Across predominantly Islamic and Middle Eastern countries such as Saudi Arabia, Egypt, Iran, Lebanon, and Jordan, the family is not just a social unit but the very essence of life, deeply intertwined with the Middle East’s rich cultural heritage and Islamic traditions.

Unlike in many other parts of the world, where individualism is increasingly prominent, the Middle East remains steadfastly focused on the collective well-being of the family, which is seen as the foundation of both personal identity and social stability. 

The importance of family is evident in daily interactions, where loyalty, respect, and a deep sense of duty to one’s relatives takes priority. Although urbanisation has led to slow changes in family structures, with a rise in nuclear families in some urban areas, the extended family continues to play a central role.

Family gatherings, frequent visits, and close-knit relationships are not just customs but essential elements of life that help maintain the social fabric and ensure the continuity of traditions across generations.

Attitudes towards marriage and parenting

Culture in the Middle East continues to be guided by a strong emphasis on family honour, religious adherence, and the fulfilment of social roles. Let’s take a closer look at how these values shape attitudes to marriage and parenting in the Middle East.

Middle Eastern attitudes to marriage

• Marriage as a family alliance – In the Middle East, marriage is often viewed as a strategic alliance between two families. The selection of a spouse is influenced by considerations such as family background, social status, and religious compatibility. Arranged marriages, where family members play a significant role in the decision-making process, remain prevalent, although love marriages are becoming more common in some urban areas.

• The importance of family honour – Family honour is a paramount concern in Middle Eastern societies, particularly in relation to marriage. The actions and reputation of family members, especially women, are closely linked to the honour of the entire family. As a result, marriages are often approached with a sense of duty to uphold family values, with significant emphasis placed on fulfilling traditional roles.
• Evolving gender roles – Traditional gender roles, where men are expected to be the providers and women the homemakers, have long been entrenched in Middle Eastern culture. While women are beginning to enter the workforce and so shift these expectations in some urban areas, traditional expectations regarding marriage and family responsibilities remain influential, particularly in more conservative or rural areas.

Middle Eastern attitudes to parenting

• Respect and obedience – Respect for elders and obedience to parents are fundamental values in Middle Eastern parenting. Children are taught to honour their parents and other senior family members, with a strong emphasis on maintaining family harmony and fulfilling their duties as part of the family unit.

• Religious upbringing – Religion plays a significant role in parenting across the Middle East. Parents are deeply involved in instilling religious values and practices in their children. This includes regular participation in religious rituals, adherence to dietary laws, and the observance of religious holidays, all of which are seen as essential to maintaining cultural and spiritual identity.
• Parental authority and discipline – Parenting in the Middle East is characterised by a hierarchical structure, where parents hold clear authority over their children. Discipline, respect, and obedience are key expectations, with children being raised to understand their roles within the family and the broader society. This approach is deeply rooted in cultural and religious values that emphasise social order and respect for authority.

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Family culture and traditions in Africa

It takes a village to raise a child

Traditional family structures in Africa are often centred around extended families, which include grandparents, aunts, uncles, cousins, and sometimes even more distant relatives. These extended families form the foundation of social organisation and are deeply intertwined with cultural practices, beliefs, and community life. 

In many African societies, the family operates as a collective unit, where roles and responsibilities are shared among its members. Elders hold significant authority and are highly respected for their wisdom and experience. They often play a key role in making important decisions, resolving conflicts, and passing down cultural traditions and values. Children meanwhile are considered a blessing and are raised collectively by the extended family, ensuring they are well-integrated into the community and its traditions.

Attitudes towards marriage and parenting

African family culture is guided by a strong emphasis on communal values, respect for traditions, and the fulfilment of societal roles. Here’s a closer look at how these principles influence attitudes towards marriage and parenting across the continent.

African attitudes to marriage

• Marriage as a communal event – In Africa, marriage is often viewed as a significant communal event rather than merely a union between two individuals. A marriage involves considerations including social status, lineage, and cultural compatibility, and arranged marriages, where families play a crucial role in selecting a partner, are still common. Many African cultures also practise the tradition of paying a bride price or dowry. This is a symbolic gesture showing respect to the bride’s family and is seen as a way of formalising the marriage.
• Polygamy – While less common today, polygamy has traditionally been practised in some African societies, where men could have multiple wives. This practice is often associated with social status and the ability to care for a large family.
• Shifting gender roles – Traditional gender roles in Africa, where men are typically seen as providers and women as caretakers, have been prevalent for generations. However, these roles are evolving, particularly in urban settings where more women are pursuing careers and gaining education.

African attitudes to parenting

• Collective childcare – In many African cultures, parenting is viewed as a collective responsibility rather than the sole duty of the biological parents. This communal approach ensures that children are well cared for and socialised into the community’s values and traditions. It also strengthens familial bonds and provides a broad support network, which is particularly important in times of hardship or when parents are unable to fulfil their roles.
• Respect and discipline – Children are taught from a young age to honour and obey not only their parents but all elders in the community. Discipline is considered essential for instilling good behaviour and moral values. While methods of discipline vary across different cultures, the underlying principle is that discipline is a form of love and care, intended to guide children towards becoming responsible and respectful adults. In many societies, storytelling and proverbs are also used as tools for teaching life lessons and reinforcing cultural norms.
• Education and life skills – Traditional African parenting places a strong emphasis on both formal education and the teaching of practical life skills. While academic achievement is valued, there is also a significant focus on learning skills that are essential for daily life, such as farming, cooking, and other crafts, depending on the community’s way of life. Education is often seen as a collective effort, with the community supporting children’s learning and development both in and out of school.

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At William Russell, we have been providing worldwide health cover for over 30 years, helping expats like you and their families to settle into their new homes. Speak to us today to find out more about how global health insurance could help you and your kids enjoy a safe life abroad.

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The post Cultural Attitudes To Family Around The World appeared first on William Russell.

We know this, because we often get asked about these things by William Russell members. Sometimes it’s because a friend or colleague has told them that their health insurer will try everything possible not to pay out on their claim, or that if they do claim their premiums will skyrocket next year.

We’d like to debunk some of the most common rumours and myths that seem to circulate about insurance. This is to reassure you that the right health insurance policy will always be a benefit to your quality of life and well-being, especially if you are living abroad as an expat.

Myth: Health insurance only benefits me if I make a claim

Truth: Health insurance is just like any other form of insurance – there for when you need it

We do not overlook the fact that, for many people, health insurance can be a significant expense. In 2023, the average yearly premium for an individual insured with us was US$4,871.

And while there are many ways to lower the cost of your health insurance premium, you may question whether you are seeing any value at all from these expenses. For instance, if you go a year without making a claim, you may wonder what you’ve actually spent your money on.

You may even think that you are supposed to claim on your health insurance, in order to derive value from your policy. So, whether it’s a slight cough, a stubbed toe or a small scald from the kettle, you might be inclined to visit the nearest emergency room, simply to ensure you’re making use of your expensive health insurance policy.

But health insurance is a form of insurance, and insurance is there to do one thing: mitigate risk.

Health insurance covers you against the kind of expenses you could not otherwise afford, such as life-saving and emergency treatments for major illnesses and injuries. Health insurance ensures you’ll have access to the high-quality treatments you need, when you need them.

So, yes, you can buy a health insurance policy that covers you for doctor visits and routine check-ups. However, you’ll end up paying more for that cover in the form of higher premiums.

Having health insurance is important not because it gives you access to lots of small expenses, but because it can help to pay for astronomical expenses—such as treatment for major illnesses and injuries. This is when you’ll derive value from your health insurance. 

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Myth: If I claim, my premiums will skyrocket

Truth: William Russell won’t increase your premium because you make a claim—but prices rise for everyone if we receive more claims than expected

We can’t speak for all insurers – because we know some insurers do increase their members’ premiums after they’ve made a claim – but at William Russell, we never hike an individual’s premiums after they make a claim. Let us explain why…

It might be useful to imagine William Russell as a pot of money. Each year, our members fill that pot with their premiums. 

When a member makes a claim, we’ll dip into the pot of money to pay their expenses.

If a lot of members need to make a lot of claims, the pot of money may deplete faster than expected. In this case, we may increase the cost of premiums across the board, so that we can refill the pot. In other words, if the pot empties faster than it fills, we’ll ask everyone to chip in a little more.

What we will never do is penalise one individual for making a claim. That’s what the money pot is there for, after all! We feel this is the fairest way to provide insurance. You buy a policy from us in good faith – if we were to penalise you for using your policy in the way it was intended, then we’d be nothing more than sharks.

Furthermore, if we penalised a member with higher premiums, we would eventually make their policy unaffordable—leaving them without insurance cover.

That’s a lose-lose situation for everyone: they have to give up their health insurance, and the pot loses out on their contributions. So, we make sure to avoid that scenario.

There are other reasons your premiums may increase over time, but with William Russell making a claim will never be one of them.

The fee you pay for your health insurance policy is called a premium

We explain how we calculate your health insurance premium

Myth: I can get away with lying on my application form

Truth: Not really, and even if you could it would be a terrible idea

When taking out health insurance for the first time, you’ll be given a medical questionnaire to fill out.

This is the first step in a process called underwriting. We use this process to figure out your level of risk – in other words, how likely you are to make a claim.

Some people believe that they can get away with lying at this stage. For instance, if someone knows they have a long-term back condition, they might choose to downplay their condition or not to declare it at all, knowing that if they do they will either:

1. Have to pay a higher premium
2. Be denied health insurance altogether
3. Have their back condition excluded

This is known as non-disclosure, which is a form of insurance fraud. This could lead to several consequences, including claims not being paid, or the whole policy being cancelled.

As an insurance provider ourselves, we go to great lengths to prevent fraud. This is not just to protect our own financial interests, but the interests of all our members.

When going through the underwriting process, we make a calculation of each member’s risk. We depend on their honesty to give us a fair picture of their health, in order to calculate this risk accurately.

If someone lies about or tries to cover up a known condition, we may end up under-charging them. When they make a claim, they will be effectively taking money from the pot that every other member has paid into fairly.

When someone is dishonest, it’s usually very easy to spot. For example, if a member makes a claim for treatment related to type-1 diabetes a few months after their policy starts, it’s quite likely that the member has been a long-term sufferer of diabetes.

At William Russell, we have software that flags unusual activity and strange patterns in claims. Fortunately, we find that instances of bad faith claims are very rare, but we do have policies for dealing with them when they arise.

Rest assured we take a firm approach to fraud for the benefit of all our members. We don’t want anyone paying the price for someone else’s deception, and we’re proud to say we have paid out on 100% of all legitimate claims.

Are you thinking about switching health insurance providers?

What should you do if you have a pre-existing medical condition?

Myth: I can just set some money aside every month to pay for my own medical treatment if I need it

Truth: While you may be able to afford minor costs like doctor appointments, the cost of treatments for major illnesses and injuries is way outside most peoples’ budgets

So, you’re moving to another country and you’re thinking about whether or not to take out health insurance.

While some people choose not to take out insurance and rely on their own income or savings, this passes all the risk onto their own finances.

If you choose to go this route yourself, you’ll need to be comfortable with the fact you may end up paying huge expenses out of your own pocket – especially if you will be living in a place where the cost of healthcare is very high. 

To put the potential costs in perspective, we have previously paid out a single claim that totalled over US$390,000.

There are, of course, other options. You could subscribe to your new home country’s state healthcare system. For this, you will need to make sure you are eligible, which may be difficult as a new expat – some countries even require expats to have private medical cover. 

You’ll also need to think about the quality of state healthcare where you’re moving. Will you have access to top-quality medical equipment, highly-trained staff and clean, comfortable hospitals? Does the country have long waiting lists for treatments or overcrowding in hospitals? Will you be able to speak with medical professionals who are fluent in English?

If you would prefer private medical care, but don’t want to take out health insurance, you may consider keeping some of your own money aside in case you do need to go to hospital.

Another thing to think about is what to do if you fall sick or become seriously injured while out and about. With William Russell’s private health insurance, you’re covered for medical evacuation to a top-quality medical facility if you’re facing a life or limb-threatening emergency and local treatment isn’t available. But if you are covering your own expenses, you may have to call upon a very expensive rescue and ambulance transfer out of your own pocket.

Health insurance is designed to protect you from these potentially extreme costs, should the worst happen. If you are thinking of covering your own expenses, you may want to calculate the cost of any potential worst case scenario before you commit to foregoing health insurance.

See how an emergency medical evacuation works in practice

Read about how we airlifted a family from Mauritius to South Africa for emergency treatment

Myth: With a health insurance policy, I shouldn’t have to pay a penny for healthcare

Truth: Your insurance can cover anything and everything, but it’s best to only use it for the ‘big’ stuff

We’ve talked about how health insurance can help cover the cost of expensive treatments like cancer. But what if you want to cover the cost of the less expensive things too, like routine health check-ups, visits to the doctor and physiotherapy sessions?

The short answer is that you can choose a level of cover that includes smaller expenses. Some refer to this as a ‘never out of pocket’ approach to insurance.

If you choose to use your insurance like this, it’s important to remember that what you gain on the swings you lose on the roundabouts; for a higher level of cover, you’ll also pay a higher annual premium. In the end, the added cost to your premium may outweigh the value you gain.

On the other hand, if you take out private health insurance while still being prepared to pay minor expenses out of your own pocket, you can actually reduce the cost of your policy by setting a higher excess. This is the amount you will pay out of pocket when making any claim, and you can only claim for treatments that cost more than your excess.

By setting a higher excess and receiving a lower premium, you may end up making a net saving overall—even if you pay for a few low-cost treatments out of your pocket over the course of the year.

Therefore, choosing a health insurance policy that only covers major expenses may end up being the more economic option for you.

All health insurance policies come with exclusions

Learn more about what our policies don’t cover

Myth: My insurer is just going to reject my claims anyway

Truth: At William Russell, we will never deny a legitimate claim

Unfortunately, many people have a poor opinion of insurance companies. The 1997 film The Rainmaker, starring Matt Damon, has a lot to answer for there.

And while it is true that some insurance companies have a bad reputation for denying claims, the good news is that this rarely happens when the customer takes out an insurance policy with a reputable company in a country with robust contract laws and consumer protections.

Insurance is, after all, a contract – and is subject to all contract laws in the territory where it is purchased.

For this reason, it’s important to only take out an insurance policy for a reputable provider based in a territory you know and trust. Before taking out a policy, you should know where your insurer is based, and what the laws surrounding insurance contracts are in that country. 

In the best case scenario, you’ll want to find an insurance provider based in a country with a strong rule of law and a robust system of financial services regulation.

Ideally, there should be a governing body, such as an ombudsman, who you can refer to in the case of a dispute. You may also want to choose an insurer based in a country where you are familiar with the local legal language, e.g. English.

It is also up to you to follow your insurer’s proper procedure when making a claim.

Make sure you keep a copy of your insurance certificate and membership card on hand. If your policy states you must receive treatment at a certain hospital or clinic, don’t try to claim for treatment you receive at a different hospital.

Be aware of exclusions in your policy and understand that these will not be covered. Make sure you keep all receipts and paperwork, and that you file every claim accurately and on time.

They will always offer to help you to file a correct and accurate claim as this is for your benefit as well as theirs. At William Russell, we’re proud to offer fair and transparent services to all our members. We have paid out 100% of all legitimate claims, and we will continue to do so.

Choose William Russell for your international health insurance

At William Russell, we have over 30 years’ experience providing international health insurance to expats like you.

We are proud of our exceptional customer service, which has earned us the Feefo Platinum Trusted Service Award. We believe in offering a personal touch with every policy, providing all members with their own dedicated account manager and access to our 24-hour claims line. Read why so many of our members recommend us here.

Take the stress out of health insurance by choosing William Russell. Find out more about our international health insurance policies and get a quote online in under two minutes today.

The post 6 Common Myths About Health Insurance – Debunked appeared first on William Russell.

With around 55 countries now participating in the digital nomad visa scheme, many of the places that have taken advantage of this rising trend have reported benefits across sectors including retail, hospitality and property. Digital nomads are also helping to spread a wave of entrepreneurialism and technology skills around the world, with the potential of creating new jobs in their host countries.

However, not every digital nomad hotspot is happy about its fast-growing influx of temporary expats. Let’s take a closer look at the potential problems caused by digital nomad overpopulation, and the places where digital nomads could start to see increased regulation.

The impact of digital nomad overpopulation on local communities

Not every digital nomad hotspot is happy about its fast-growing influx of temporary expats, however. With digital nomads often staying in their host countries for long periods (usually between six months to two years), some communities are starting to feel the strain of a large influx of new citizens.

With digital nomads likely to rent property, rely on public transport and take advantage of public services, their presence in certain places is contributing to problems such as housing shortages, rising living costs, strains on infrastructure and cultural tensions. In places where digital nomadism is particularly popular, overpopulation is becoming a common issue, and has even led to backlash from local residents.

In response to these challenges, some national and city governments are starting to implement measures aimed at managing the influx of expats and digital nomads, in order to preserve the well-being of their residents.

In which countries do expats feel the happiest?

We look at some of the happiest countries in the world

The problems caused by digital nomad overpopulation

While many countries benefit from hosting digital nomads, a few places in the world – especially those that have become particularly popular in recent years – have noted several consistent issues caused by the rapid influx of remote workers. Some of these problems include:

1/ Failing to adapt to local culture

While exposing yourself to new cultures is often touted as one of the benefits of nomadic living, many digital nomads have come under fire for failing, or even refusing to integrate with their local cultures.

Whether by segregating themselves to live in isolated expat bubbles, by swarming to ‘touristy‘ locations, or by continuing to live according to their own national culture, many people have noted a growing resentment against digital nomads from local people who feel digital nomads are exploiting the cultural capital of their homes.

Some local residents go even further, blaming digital nomads for the rise of social issues such as gentrification and two-track neighbourhoods – in other words, in neighbourhoods where wealthy digital nomads gather, working-class locals are pushed out when landlords and business owners seize the opportunity by raising prices and redeveloping established facilities.

2/ Shortage of housing

As digital nomads flock to destinations renowned for their affordability, they often put strain on the available housing stock, driving up rental prices and making it increasingly difficult for residents to find affordable housing.

This housing crunch not only exacerbates existing inequalities but also threatens the social fabric of communities, as locals are pushed to the outskirts of their own neighbourhoods. This is a problem that has been notably aggravated by the rise of companies like Airbnb, which have made it more lucrative to convert properties into short term rental accommodation catering to tourists and the digital nomad population, rather than local residents. 

This not only reduces the housing supply available to permanent residents but also contributes to the alienation of residential neighbourhoods, transforming them into transient spaces that lack community spirit.

3/ Increased cost of living

As the cost of living rises dramatically across the Western world, digital nomads find themselves drawn to destinations where living costs are markedly more affordable. However, these nomadic workers may be inadvertently triggering an increased cost of living in the communities they move to.

With more spending power than the local residents, it has been suggested (and also disputed) that the presence of a large digital nomad population often coincides with inflated prices for goods and services.

This increased cost of living places a significant burden on locals, who may be left unable to afford basic amenities in their own neighbourhoods. What unfolds is a tale of two economies, where on the one hand digital nomads benefit from the gentrification of an area, while the local population grapples with inflation and diminished purchasing power.

The cost of living is rising around the world

Our guides cover how this could impact where you live

4/ Putting strain on local infrastructure

Digital nomad overpopulation can place significant strain on local infrastructure. Public transport networks, designed to accommodate the needs of the local population, may struggle to cope with the increased demand from the digital nomad population, leading to service delays, overcrowding and congestion.

Additionally, an increase in the number of vehicles owned or rented by digital nomads may increase traffic congestion and pollution levels, further burdening transportation infrastructure.

Healthcare is another example of where local infrastructure can take a significant hit from digital nomad overpopulation. This is particularly relevant in smaller or remote communities, which may face challenges in meeting the healthcare needs of both residents and digital nomads.

Increased patient loads can overwhelm healthcare providers, leading to longer waiting times, reduced access to medical services, and potential compromises in the quality of care. Emergency response services may also come under strain as they struggle to cope with the increased population density and resource demands. This may be especially true in countries that are renowned as medical tourism destinations.

5/ Not contributing to the local economy 

Despite living in local communities and spending money on local commodities, digital nomads often derive their incomes from their home countries while remaining exempt from local taxes.

The lack of economic benefits derived from digital nomads makes their relationship one-sided: local and national governments support digital nomads through public spending (on infrastructure, healthcare, public services and so on), while many digital nomads do not make a meaningful contribution in return.

Digital nomads may therefore be seen as an economic burden. This feeling can be especially acute if digital nomads are deriving salaries several times greater than the local average salary, giving them significantly higher spending power without contributing to the economic development of their region.

6/ Loss of local authenticity 

As destinations become popular among digital nomads, they face the risk of losing the authenticity and charm that initially attracted both expats and residents. 

Digital nomad overpopulation often forces neighbourhoods to undergo rapid transformation to cater to lifestyles of the new demographic. Local businesses may prioritise serving the needs of digital nomads over the local population, leading to an increase in digital nomad-oriented facilities such as coworking spaces, boutique hotels, and international cuisine restaurants, at the detriment of resources oriented towards the local community.

The commercialisation of local culture can further this sense of lost authenticity, as traditional crafts, festivities, and customs are commodified and marketed to appeal to a global audience. Cultural heritage sites may also become overrun with tourists and digital nomads, detracting from their significance and spiritual value.

You’re likely to experience some challenges living abroad

We look at some common issues and how to overcome them

Destinations taking action against digital nomad overpopulation

Several destinations have started implementing measures to help minimise the negative impacts of digital nomad overpopulation. These measures are mostly concerned with strain on local resources, infrastructure, and housing. 

Here are some of the destinations that are starting to regulate digital nomads:

Barcelona, Spain

Despite being one of the world’s friendliest cities, and one of the most popular destinations worldwide for digital nomads, Barcelona has a strained relationship with its new residents – if you’re walking through certain parts of the city, you may still see graffiti telling visitors to van a casa (‘go home’). 

While tourism has long been a vital part of Barcelona’s economy, contributing significantly to its cultural vibrancy and prosperity, it has also placed immense pressure on infrastructure, housing, and the daily lives of residents. Locals have expressed concerns about overcrowding, rising rents driven by the demand for short-term accommodation, and the commercialisation of neighbourhoods, leading to a sense of displacement and loss of community identity. 

In response to local frustration, Barcelona has implemented stringent regulations on short-term rentals through platforms like Airbnb. These restrictions include forcing property owners to obtain a special licence from the city government to operate short-term rentals, limitations on rental periods and fines for those who do not follow the rules. This is aimed at ensuring that rental properties aren’t being taken off the market for long-term residents.

Find out more about the Spanish digital nomad visa

Here’s everything you need to know

Amsterdam, Netherlands

Around 5 million international tourists flock to Amsterdam every year. This regularly overwhelms the city’s infrastructure, which is built to cope with a population of just 800,000. Now that digital nomads have entered the picture, Amsterdam claims to be reaching breaking point. 

Like Barcelona, Amsterdam has seen a surge in short-term rentals as digital nomads settle in the city. This has contributed to housing shortages and increased rental prices, as well as strains on local infrastructure. 

As well as cracking down on tourists with their controversial Stay Away campaign, Amsterdam has also introduced measures to limit the number of days per year that properties can be rented out to foreign nationals and cracked down on illegal short-term rentals. Hosts can now only rent out their properties for a maximum of 30 nights per year. Anything above this will require a permit.

Lisbon, Portugal

Portugal was the most popular destination among digital nomads in 2023 according to Flatio’s Digital Nomad Report, attracting 27.1% of all digital nomad visits.

As such, the Portuguese capital of Lisbon has experienced a boom in short-term rentals, particularly in popular neighbourhoods like Alfama and Bairro Alto. Lisbon is currently home to around 16,000 digital nomads, all of whom are competing for the same resources as locals. 

There has been much public outcry against digital nomads from Lisbon locals, who feel that the rapid influx has led to the over-commercialisation of local neighbourhoods. In response, the city has introduced regulations to curb the conversion of residential properties into short-term rentals, aiming to preserve housing in certain districts for local residents only.

Thinking of taking your work to Portugal?

Find out more about living and working in Portugal in our handy guide

New York City, USA

The most recent addition to the list of cities cracking down on short term rentals is New York, which has also made the move to restrict short-term rentals. 

The city government has argued that sites like Airbnb were making it too easy for tourists and digital nomads to rent apartments for short periods in one of the world’s most expensive cities, which has led New Yorkers to complain of being priced out of their own city.

With the new rules now in place, homeowners will be prohibited from renting out entire homes to guests for stays under 30 days, while short-term rentals will only be allowed for part of a home with up to two guests lodging with a host. 

The policy is designed to disincentivise landlords from renting their homes to medium-term residents while undercutting the New York rental market. Digital nomads looking to stay in New York will therefore need to find a rental for over 30 days if they’re looking for the comfort of an entire property.

Bali, Indonesia

As an immensely popular destination for expats, the Indonesian island of Bali is already taking steps to stem the flow of digital nomads.

Bali has a strict tax policy when it comes to working in the country, with working permits known to be very expensive, and in 2020 the government of Bali implemented policies intended to crack down on digital nomads working without the proper permits.

Bali bolstered this move in 2023 by creating two task forces to monitor and enforce appropriate behaviour among tourists and digital nomads – including stricter rules and harsher sentencing for crimes such as illegal driving, breaking visa rules or disrespecting holy sites.

Is Bali your dream destination?

Discover the cost of living in Bali as a digital nomad

Wherever you go, go with total peace of mind

At William Russell, we have over 30 years’ experience of helping expats and digital nomads like you settle into their new lives overseas by providing world-class international health insurance. Plus, we produce lots of expert material to help you and your family adapt to life abroad.

Making the move to another country can be challenging. But no matter where you go, you can take one thing off your mind. With William Russell’s international health insurance policy, you’ll be covered for everything from minor injuries to long hospital stays, and we even offer medical evacuations to patients who require treatment in other countries, where it’s not available locally. Get a quote today in under 2 minutes.

The post Which Countries Are Most Affected By Digital Nomad Overpopulation? appeared first on William Russell.

Plus, you’ll be in good company – around 270 million people worldwide enjoy the expat lifestyle, while around 35 million are proud to call themselves digital nomads by combining work with travel.

However, that’s not to say the expat lifestyle is without its challenges. Many expats and digital nomads have reported experiencing common ailments such as culture shock, lower personal safety and a lack of time to dedicate to their health, fitness and well-being.

What to do if you’re feeling lonely abroad

Another issue that many expats and digital nomads experience is loneliness. Moving to another country, even temporarily, means leaving behind your friends, family and social support network.

Expats and digital nomads may then struggle to make friends in unfamiliar and disorientating environments where it can be hard to connect with locals or other expats. This can lead to feelings of loneliness.

As an expat or digital nomad, you must not underestimate the effects of loneliness. Research has suggested that loneliness is a near-universal experience among new expats, especially at the beginning of their new lives abroad, and can manifest in feelings of low self-esteem, social isolation and cause physical and mental distress.

Research has also shown that feelings of loneliness may be especially prevalent among older expats, those without families or those in the LQBTQ community, as well as among digital nomads who move between different countries frequently.

What causes expat loneliness?

It is important to point out that loneliness is not necessarily caused by being alone.

Some people can spend time alone without experiencing loneliness, while others will experience loneliness even when they have a wide social circle. Also, not everyone experiences loneliness in the same way.

For some people, loneliness can cause feelings of low self-esteem and negative self-worth, while for others it can produce feelings of motivation to get out and meet new people.

While almost every expat or digital nomad will experience loneliness at some time, there are some factors that are known to increase feelings of loneliness. These include:

• Moving to a country that has a very different language or culture
• Living in a place that has few other expats who can relate to your experience
• Changing location frequently

It’s also important to remember that loneliness doesn’t last forever, and there is plenty you can do to stave off the negative feelings. Whether you are an expat or a digital nomad, it’s important to prioritise your mental well-being, to focus on building a social support network in your new home, and to make time to enjoy social activities. 

Moving abroad is life-changing and comes with a number of challenges

We look at some disadvantages and how you can overcome them

10 ways to beat expat and digital nomad loneliness

To help you get started, here are ten ideas that may help if you are feeling lonely abroad.

1/ Go where the expats go

Every major city has neighbourhoods and boroughs that are more popular with expats and digital nomads. In very large cities, you may even find that certain areas are home to large populations of expats from one particular country – think Little Italy in New York City or Chinatown in London.

If you’ve not yet decided on where to live, it’s a good idea to start by researching popular expat hubs, either by searching online or speaking to other expats. 

While it may not seem like the most authentic way to move abroad, living amongst other settled expats can help to ease your transition into your new home. You’ll be surrounded by other people who speak your language, share your culture and who can help you navigate your new environment. You may even make life-long friends in your new neighbourhood.

Expat communities also tend to have many of the home comforts you’ll need if culture shock hits. You’ll find restaurants serving your national cuisine, supermarkets that sell imported items from your home country, and perhaps even a community centre where expats meet to socialise.

Not sure where to start with finding new expat communities?

Here are some expat resources to make life a little easier

2/ Try co-living

If you’re searching for a place to live, consider sharing a home with other expats or digital nomads. Driven in equal parts by demand and necessity, co-living is becoming an increasingly popular trend in major cities – for example, around one-third of people in London share a property with other tenants.

Property landlords are responding to the rising trend of co-living by adapting their properties for the benefit of certain demographics, making it easy for you to find co-living spaces marketed exclusively to people of certain genders, lifestyles, occupations, age ranges and sexualities. Rural co-living spaces are also becoming widely available, allowing you to live anywhere from the beaches of Spain to the mountains of Bulgaria alongside other intrepid tenants.

Not only is co-living a great way to save money (which could help you afford a home in a more desirable area), it can also help to introduce you to like-minded people and kick-start your social life overseas.

Take steps to improve your quality of life

Discover 30 ways to maximise your health and well-being

3/ Show your face in the office…

While the pandemic has made remote and flexible working the norm across the world (around 28% of employees globally now work remotely at least some of the time), as a new expat you may want to buck the trend by heading into your workplace as often as possible. 

Communicating and socialising with your new colleagues is one of the best ways to help you integrate into a new company, and you may even end up making friends for life. Indeed, more than 76% of people say they have made a close friend at their workplace according to research by Nectar HR.

4/ …or sign up for co-working

On the other hand, if you are moving abroad as a digital nomad, you may not have the luxury of a permanent office. In this case, you could benefit instead from attending a co-working space. These are spaces that offer desks especially for remote workers, as well as giving you unlimited access to everything you’ll need to get your job done – coffee, WiFi, laptop charging stations and more.

With around 35,000 co-working spaces already dotted around the world, it won’t be hard to find one in your new home city. During the working day, you’ll find these places to be busy hubs full of other digital nomads, entrepreneurs and remote workers, while in the evening many co-working hubs host social events and parties to help people mingle.

Exercise is essential for your health and well-being as an expat

Find out how physical activity affects your health

5/ Join a Meetup group

If you haven’t heard of Meetup, consider it an expat essential. Meetup is a social platform that allows people to advertise events in their local area. Members can search for events that match their interests, join online communities and RSVP to attend those events.

With Meetup, you can continue your existing interests abroad, pick up a new hobby or find social events in your area. From cycle rides to wine tasting clubs, language exchanges to specialist groups exclusively for expats and digital nomads, you’ll find no shortage of things to pique your interests. Or, if you’re having trouble finding a group that matches your interests, you can start your own.

Many expats have reported that Meetup has helped them to both meet friends and settle into their new homes. Indeed, several groups dedicated to expat meetups contain over 30,000 members, meaning you’ll find no shortage of like-minded people to socialise with.

Maximise your well-being by focusing on your diet

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6/ Experience couchsurfing

Whether you are a digital nomad looking for short-term accommodation, or an expat looking to venture outside of your new hometown, be sure to check out CouchSurfing.

This popular app connects people looking for a place to crash with people who have a spare place in their home to host a guest. As the name implies, this often manifests in nothing more fancy than a sofa – but if you’re content to travel like a Spartan, you’ll find couchsurfing to be not only a great way to bag cheap (or even free) accommodation, but a great way to meet people too.

If you do decide to try out couchsurfing, you’ll have the opportunity to speak to your host ahead of time. Often, they’ll be happy to show you around their city, or spend time hosting you in their home. In short, think of couchsurfing as short-term co-living, with the added benefit of cheap accommodation in far-off destinations.

In which countries do expats feel the happiest?

Check out our list of the happiest countries in the world

7/ Try dating apps

Naturally, this advice will apply more to single people, although those who are in relationships or happily married will still find options.

If you are comfortable with dating, you may find dating apps a great way to meet people abroad. With over 500 million users, Tinder is the world’s most popular dating app, while 100 million choose Bumble and 23 million use Hinge.

If you don’t want to try romantic dating, you could still use dating apps to help you meet friends.

Bumble offers the option to meet people in this way, while a number of specific apps exist to help expats meet each other abroad. InterNations is one example, allowing you to search for and chat with nearby expats, and it also includes news and tips to help you make the most of your expat experience.

Did you move abroad to further your partner’s career?

Here’s how to make the best of your life as an expat spouse

8/ Join a language exchange

One of the best parts about starting a new life abroad is learning a foreign language. Learning the language of your new home country can improve your cultural awareness, make you more confident and help you to integrate into society.

While learning a new language, one of the best ways to improve your fluency is to practise speaking with native speakers – and one of the best ways to find them is at a language exchange. Language exchanges are organised social events in which people come to practise one-another’s languages.

As an English speaker, you are likely to encounter local people looking to improve their English, and in return they will be able to help you improve your developing foreign language. The best thing about attending a language exchange is that it will expose you to other expats as well as local people, helping you to meet people from both worlds.

One of the best ways to find language exchanges is via the Meetup app. You may also benefit from attending a language school in your new home city. Many expats choose to attend language exchanges regularly, as they build their fluency while also getting out-and-about and meeting new people.

Holidays can be a particularly difficult time of year for expats

Here’s how to survive a lonely Christmas as an expat

9/ Limit social media usage

While this may sound counterintuitive (after all, social media is a great way to keep in touch with a wide variety of friends both locally and back home), studies have suggested that using social media may increase feelings of loneliness.

Frequent use of social media can exacerbate the ‘fear of missing out’ (FoMo) by exposing users to events and circumstances they were not a part of. This can be especially true of expats and digital nomads, who are exposed to photos and videos from both their friends and family in their home country, and their fellow travellers. Research has shown that new expats and digital nomads are more likely to experience FoMo, and this can ultimately lead them to feel lonely.

While social media is a great way to keep in touch with people, try to limit your social media usage. Treat it as a communication tool and avoid spending hours scrolling through content from friends and family. Instead, try to speak to people directly through messaging apps or over the phone.

10/ Say ‘Yes!’

As an expat or digital nomad, there will be times when opportunity knocks at your door. Perhaps it will be someone inviting you to a party, asking you to travel with them, or even offering you a job. So long as these opportunities align with your wants and expectations, it’s up to you to be the one to say ‘Yes!’ at the right moment.

Life as an expat or digital nomad is about adventure. It’s through our adventures that we meet life-long friends, foster relationships and grow as individuals. Psychologists have pointed out that loneliness is not necessarily a condition, but a perception: we only feel lonely when we feel like we’re missing out.

Therefore, having the ability to say yes to new adventures is one of the best ways to reduce feelings of loneliness.

Looking to improve your mental health?

We’ve ranked the best countries in the world for mental health

Our last tip: choose international health insurance

At William Russell, we understand that expats and digital nomads are at higher risk of experiencing mental health issues while living abroad. That’s why our international health insurance policies include optional mental health cover to protect your well-being. With our mental health benefit, you’ll have access to:

• Inpatient and daypatient treatment covering a wide range of mental health disorders
• Specialist mental health consultations from leading psychiatrists, psychologists and counsellors
• Medication covering a number of mental health disorders

International health insurance is essential for any expat and digital nomad. It gives you access to top hospitals and medical facilities around the world, with flexible policy options to suit your needs.

Find out more about our mental health benefit and get a quote online today in under 2 minutes.

The post 10 Ways To Beat Expat And Digital Nomad Loneliness appeared first on William Russell.