This website is designed to give you information on the products and services offered by William Russell, with content written by people—not AI. If you are unsure whether these products and services are suitable for you, please speak to a financial or insurance adviser. We work hard to ensure the information we provide is accurate and up-to-date, but mistakes are possible. The T&Cs that apply to your policy are those found in your policy documents. William Russell Europe SRL is registered at Place Marcel Broodthaers 8, B-1060 Saint-Gilles, Brussels and is registered in Belgium with the Financial Services & Markets Authority (no. 0731.975.658 RPM) as a limited liability company with share capital of €30,000. William Russell Europe SRL is a mandated underwriter for AWP Health & Life SA. The UK branch of William Russell Europe SRL is registered at William Russell House, The Square, Lightwater, Surrey, GU18 5SS, UK. The UK branch is authorised & regulated by the Financial Conduct Authority (FCA), reference no. 973067. William Russell Ltd is authorised & regulated in the UK by the FCA, reference number 309314, and is registered in England & Wales under company number 02687939 at William Russell House, The Square, Lightwater, Surrey, GU18 5SS.
This website is designed to give you information on the products and services offered by William Russell, with content written by people—not AI. If you are unsure whether these products and services are suitable for you, please speak to a financial or insurance adviser. We work hard to ensure the information we provide is accurate and up-to-date, but mistakes are possible. The T&Cs that apply to your policy are those found in your policy documents. William Russell Europe SRL is registered at Place Marcel Broodthaers 8, B-1060 Saint-Gilles, Brussels and is registered in Belgium with the Financial Services & Markets Authority (no. 0731.975.658 RPM) as a limited liability company with share capital of €30,000. William Russell Europe SRL is a mandated underwriter for AWP Health & Life SA. The UK branch of William Russell Europe SRL is registered at William Russell House, The Square, Lightwater, Surrey, GU18 5SS, UK. The UK branch is authorised & regulated by the Financial Conduct Authority (FCA), reference no. 973067. William Russell Ltd is authorised & regulated in the UK by the FCA, reference number 309314, and is registered in England & Wales under company number 02687939 at William Russell House, The Square, Lightwater, Surrey, GU18 5SS.
Enjoy expat insurance with delightful customer service
© William Russell Europe SRL, | Privacy | Legal | Other policies
True, we're one of the smaller expat insurance providers. But we've been in business for 34 years. Our policies are insured by Allianz, one of the largest financial service companies in the world. We're regulated by the FCA in the United Kingdom and FSMA in Belgium, and we adhere to strict data protection protocols (ISO 27001 certified).
Q. I've not heard of William Russell. Should I trust you?
Q. Won't the time difference cause problems?
Our customer service team is based at our main office in the UK. Our helplines are open 24/7, so we're always there to help you. For customers with health insurance, we also have excellent relationships with the top hospitals and doctors in Japan.
Q. Do you insure people of all nationalities?
Yes. We can insure everyone (as long as you're not on a UN sanctions list)!
Q. Is your insurance expensive?
We're not the cheapest provider on the market, but we're far from the most expensive. A lot of providers offer cheaper premiums in your first and second years, before hiking up your premium in your third year. We prefer a more consistent approach, and we have a reputation for fair premium increases each year.
Q. What happens if I want to cancel?
If you don't like your policy or you change your mind about us, you have 30 days to cancel your policy for a full refund.
Q. What do you mean 'no call centres'?
It means we don't outsource our customer service to a call centre in India. All our staff work from our office just outside London.
Frequently asked questions
Join thousands of expats around the world
A quick message from our founder, Inez Cooper
What's the main problem with insurance? You just don't know if your insurance company will pay up when you make a claim.
With big insurance companies, what happens if you fall through the cracks? Sometimes a company has too many customers. They don't have the time to give an individual customer the time they need.
But with a small insurance company, can you be sure that they have resources to pay your claim if something really bad happens?
This dilemma is why I founded William Russell 34 years ago. I wanted to build a medium-sized company that hired good people and focused on customer service, but with the financial security of a respected insurer behind the policies.
That's William Russell today: a company with wonderful customer service and insurance policies backed by Allianz.
We provide insurance to expats in 160+ countries, and I'd love to help you too. Give us a try and, if you don't like us for any reason, you can cancel within 30 days.
Inez Cooper
Founder & Managing Director
Give us a try
In the past 30 years, we've provided insurance to expats in 160+ countries and I'd love to help you too.
Real people to help you.
Not robots.
We don't hide our phone numbers and email addresses on our website. We don't outsource to call centres. And when you call us, you'll get straight through to a real person who can help you with your policy.
Key features of our international insurance policies
Get your own dedicated adviser.
It doesn't matter if your premium is US$30 or US$3,000. Each one of our customers gets a named, dedicated adviser to help them with their policy. That's because we employ more advisers per customer than any other expat insurance provider.
Worldwide cover wherever life takes you.
With a health insurance policy, you have worldwide cover. In the USA, you have only US$50,000 cover for emergency treatment. With a life insurance or income protection policy, you have worldwide cover—except in a handful of countries (e.g., Syria, Iran).
Here's what our customers say about us
Thank you so much - you have put our minds at rest. I very much appreciate the personal touch to your service - this is very rare with insurers and is exactly why we deal with William Russell.
A.K.,
Member with William Russell
My spouse and daughters have been with William Russell for decades. I switched my medical insurance to William Russell because I saw differences between these two companies. Susan Kelly and Donna Ayres have been accommodating and efficient.
E.B.,
Member with William Russell
Our experience with William Russell has been top-notch. In over 10 years with your company, we’ve always been pleasantly surprised with the service we receive, so thanks once again.
L.B.
Member with William Russell
I would like to take the opportunity to thank you personally for the good work you and your team have carried out in handling our claims. We have found your personal intervention to be of great assistance and would like to commend your company.
R.F.
Member with William Russell
So, why do they like us so much?
Get your own dedicated adviser.
It doesn't matter if your premium is US$30 or US$3,000. Each one of our customers gets a named, dedicated adviser to help them with their plan. That's because we employ more advisers per customer than any other expat insurance provider.
Real people to help you. Not robots.
We don't hide our phone numbers and email addresses on our website. We don't outsource to call centres. And when you call us, you'll get straight through to a real person who can help you with your insurance plan.
24-hour emergency
helpline.
What happens if you need medical treatment on a desert island? What happens if I have a medical emergency in the middle of the night? We have a 24-hour helpline that's available 365 days of the year. Wherever or whenever you need help, you'll get it from us.
Life insurance with worldwide cover.
US$500,000 cover for as little as US$33 per month*
Cover in Japan, while you're travelling & on visits to your home country
When you buy a policy, we'll give you a named adviser to support you
Annually-renewable policies, with no underwriting at renewal
We're based in the UK & our insurance products are insured by an Allianz company
Insurance for the
internationally inclined
Expats
People living abroad either temporarily or permanently, in a country that's different from their country of nationality.
Digital nomads
People moving from country to country for work, working remotely, or simply travel most of the year.
Frequent travellers
People whose primary residence isn't abroad, but who expect to spend at least 6 months per year abroad.
International insurance for expats & employers globally
Health insurance • Life insurance • Income protection
Cover in Japan, while you're travelling & on visits to your home country
Annually-renewable policies, with no underwriting at renewal
We're based in the UK & our insurance products are insured by an Allianz company
When you buy a policy, we'll give you a named adviser to support you
What's the main problem with insurance?
You just don't know if your insurance company will pay up when you make a claim.
With big insurance companies, what happens if you fall through the cracks? Sometimes a company has too many customers. They don't have the time to give an individual customer the time they need.
But with a small insurance company, can you be sure that they have resources to pay your claim if something really bad happens?
This dilemma is why I founded William Russell 34 years ago. I wanted to build a medium-sized company that hired good people and focused on customer service, but with the financial security of a respected insurer behind the policies.
That's William Russell today: a company with wonderful customer service and insurance policies backed by Allianz.
We provide insurance to expats in 160+ countries and I'd love to help you too. Give us a try and, if you don't like us for any reason, you can cancel within 30 days.
Health insurance
Life insurance
Income protection
Real people to help you.
Not robots.
We don't hide our phone numbers and email addresses on our website. We don't outsource to call centres. When you call us, you'll get straight through to a real person who can help you with your policy.
Worldwide cover wherever
life takes you.
With a health insurance policy, you have worldwide cover. In the USA, you have only US$50,000 cover for emergency treatment. With a life insurance or income protection policy, you have worldwide cover—except in a handful of countries (e.g., Syria, Iran).
Get your own dedicated adviser.
It doesn't matter if your premium is US$30 or US$3,000. Each one of our customers gets a named, dedicated adviser to help them with their policy. That's because we employ more advisers per customer than any other expat insurance provider.
