I have always been a digital nomad and was always on the move. When I decided to settle down, I wanted a decent insurance policy that would not break the bank while providing decent coverage even if I lived in another country. Regency for Expats was recommended to me by a friend as it fits her lifestyle and the team behind it is somehow quick to respond to her queries. I took out a premium policy with them 3 years ago and I am glad I made the right decision. And when I was diagnosed with cardiomyopathy while living in Russia 2 years ago, I submitted a claim for coverage of all medical expenses and medical fees and it only took them 3 days to review and process the claim! This was unusually fast considering my experience with other insurance companies. They always kept in touch, although they asked too many questions, I guess that's part of their job since they track my medical history. But all in all, my experience with this company was great. If you are looking for an insurance company that specialises in expats, you should choose Regency.