Meta Title: First Insurance You Need After Moving to the US, UK, or Canada (2025 Guide)
Meta Description: New to the US, UK, or Canada? Discover the essential insurance plans you need in your first 30 days — including health, travel, and tenant insurance.
Introduction
Moving abroad is exciting, but it also comes with responsibilities. Insurance is the first safety net you should set up. Whether you’re relocating to the USA, UK, or Canada as a student, worker, or immigrant, having the right insurance from Day 1 can protect you from expensive medical bills, accidents, or legal risks.
This guide explains:
- Why insurance is important immediately after moving
- The first types of insurance you need
- Country-wise comparison of health, travel, and renter’s insurance
1. Health Insurance
USA: No public health coverage. Private insurance is required. Plans like ACA or private providers such as Oscar or Kaiser Permanente offer coverage starting from $100–$300/month.
UK: NHS provides free basic healthcare, but private health insurance gives faster access to specialists. Providers: Bupa, AXA UK.
Canada: Public healthcare exists, but may have a 90-day waiting period. Newcomers can use temporary private plans like Manulife or Sun Life.
2. Travel Insurance
Recommended for students, visitors, and short-term workers. Covers trip cancellations, lost baggage, and emergency medical care.
Top Providers:
- USA: Allianz, Trawick
- UK: Staysure, Post Office
- Canada: TuGo, Blue Cross
3. Renters or Contents Insurance
Protects your belongings in case of theft or damage in a rental property. Costs range from $10–$25/month.
Top Providers:
- USA: Lemonade, State Farm
- UK: Aviva, Direct Line
- Canada: Square One, TD Insurance
| Country | Health Insurance | Travel Insurance | Renters Insurance |
|---|---|---|---|
| USA | Mandatory | Recommended | Recommended |
| UK | Optional | Recommended | Recommended |
| Canada | If applicable | Recommended | Recommended |
Final Words
The first 30 days in a new country are unpredictable. Health, travel, and renter’s insurance provide essential protection from common risks. Start with these three and expand your coverage as needed.