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Clements Expat insurance designed for professionals, diplomatic staff, and their families who are living and working outside their home countries. Corporate insurance for your international business, including worldwide auto, group health, life insurance, and more. Innovative and customizable programs that bring added value to your organizations employees or associations members.

As you serve your country from overseas, we'll keep you fully protected during your diplomatic missions abroad. Now you can also get US Federal Employee Professional Liability Insurance to protect your government career.
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We're an insurance broker that's committed to helping you, your family, and your organization protect what matters most, whether at home or abroad. Our story of providing international coverage to expats and global organizations began in 1947 with the creation of the first expatriate program exclusively for the U.S.
Designed for expats, diplomatic staff, and professionals outside of their home countries, our international expat insurance policies give you the financial confidence to live almost anywhere in the world. Are you an expat in need of international car insurance? Get a quote for affordable, flexible coverage options to keep you covered worldwide with a truly borderless international auto insurance policy.
With more than 70 years of service, Clements Worldwide offers comprehensive international car insurance to our valued expats in most countries around the globe. As a Clements customer, you can drive at home or abroad with confidence knowing you and your car are protected. Our hassle-free global car insurance policies automatically adjust to meet the local insurance requirements in whichever country you are driving and can include both Physical Damage coverage and Excess Liability coverage.Get a global vehicle insurance policy that is built for your lifestyle with a customizable car or motorcycle insurance policy.
Protect your most treasured belongings with personal property insurance. Designed specifically for expats, Clements' personal property insurance helps cover the cost of replacing items such as furniture, clothing, sporting goods, or electronics in the event of a covered loss like theft or fire. Get an instant international personal property insurance quote based on your needs, whether you're already an expat or still planning your move and are looking for personal belongings insurance.Protect your laptop, phone, camera equipment, and much more.
Reviews (20)
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Nelson Martir
Jun 23, 2022
Adam Miller was a great personal insurance agent. He explained everything methodically so that it was easy for me to understand and I got what I wanted. Great communication and great customer service.
Adam Cain
Jun 07, 2022
The customer service at Clements is always good. William Sheng listened to my need, provided a solution, explained along the way, and treated me with the utmost respect. Thank you!
Tamara Shaya Hoffmann
Jun 02, 2022
Update: Edited from 1 to 3 stars to reflect that Clements finally resolved my claims and paid out the settlement. Unfortunately, I didn't receive a response until I posted this review, but am thankful that the settlement was finally paid. Their coverage is good, but they need to provide better customer service to reduce wait times and to better communicate with their clients. ---------------------------------------------------------------------------------------------------------------------- I've been a loyal Clements customer for years, but their customer service has been bad recently.

Still waiting on several claims to be paid after nearly 6 months of submission. I call and email regularly for status updates, and the only response (whenever I actually get someone on the phone) is that 'maybe it will be resolved next week.' Despite regular follow-up, claims still have not been resolved.
Stephanie Hill
May 22, 2022
When my policy was almost up, I received an email that was a bit too vague and made it seem like it would not be auto-renewed. That made me think if I didn't take any action, it just be canceled when the term limit was up. Surprise! It's always auto-renewed so lesson learned. When I got the subsequent email telling me it's been renewed and I had been charged, I immediately called customer service.

Much to my surprise, someone picked up right away, and transferred me to the correct office where someone else picked up right away. It was great! I chatted with William Sheng and he was quick to resolve the issue and answered my questions concisely and in plain language (which I greatly appreciate). He even continued the quick help after my call by contacting accounting very quickly to get the charge canceled. I then got a confirmation email right away. He was phenomenal! Thanks William.
Barbara L. Grub
Apr 16, 2022
Had great customer service from Jean Nestor today! He quickly & knowledgeably updated my policy, answered my questions, and made me confident that I'm covered during my international move. Clements really does do the best job in insuring our stuff.
Katalin Martits
Apr 12, 2022
Very grateful for Raj Kolluru's help! Each year my family and I can count on Raj's quick, courteous and detailed assistance with all of our insurance needs.
Travis Biasca
Mar 11, 2022
We have used Clements now for 10 years as expats and international teachers. We have been very happy with everything, especially the ease of being able to adjust policies whenever needed. Recently we were working with Raj Kolluru, and he was very on point in assisting us with our move from Santiago, Chile to Taipei City, Taiwan.
Jessica Evans
Mar 06, 2022
Clements is an obvious choice for international insurance. Competitive rates, quality coverage, and top-notch reps. Big shout out to Raj for helping me and being so patient in answering my millions of questions. Thank you, Raj! You were such a great help.
Marc Jasper
Feb 12, 2022
Clements Worldwide has been the go-to insurer for several generations of US professionals who live and work overseas. My family has used them for decades in support of moves to Europe, Africa, South America and the former USSR. Because much of the coordination takes place while we are actually overseas, it is imperative that we can trust Clement's employees to know their jobs and our personal situation. Clements excels at such trust-building.

This week I had the pleasure of working with two stellar individuals: Aisha HARDWICK and William SHENG. Both were cheerful, professional and willing to go the extra mile to ensure that my unique situation was handled expeditiously. I cannot say enough good about Clements Worldwide or its employees. Anyone looking to move overseas should run, not walk, to Clements Worldwide. I would seek them out in any circumstance where I needed overseas support for a household or office move.
Gita Gouri-Wood
Jan 13, 2022
Excellent. Special note for Jean Nestor who over my last several years has always accomplished the impossible. getting car insurance overseas. Also was extremely helpful in making sure I was able to access policies in USA so coverage was always available. You need people who can always help you. Clements thanks for years of coverage in remote countries. the foreign service loves you.
Pascal L.
Dec 27, 2021
Despite being a client for a long time and being a foreign service officer (a group of clients they aim to offer special coverage), I have been unable to get a response to my emails or confirmation of a quote. I am trying to insure my personal property as a result of a new posting (Hong kong) but despite repeated attempts for information or status enquiry, they did never bother to respond. Their claim of personalized and attention service is doubtful. Quite disappointing
Seth Wikas
Dec 22, 2021
Paul Snider provided excellent, prompt service from beginning to end. I plan on using Clements for car insurance next time I am overseas.
Cameron Impastato
Dec 07, 2021
International Property Insurance. Finally found a service for digital nomads. They cover your belongings without needing to regularly return to your home country. It's affordable and service has been great. Thank you Zurab.
Mitch Miles
Nov 27, 2021
Aisha is an angel at Clements. After system maintenance issues delayed us from receiving a copy of our policy and proceeding with coverage overseas, Aisha ultimately resolved everything. She responded, worked through the issues and would not disconnect the phone call until every question was answered and document sent. These days it is hard to find that kind of customer service. Thank you Aisha!
Ijeanni Koorsen
Sep 17, 2021
We've had the fortunate opportunity to deal with Edward Kerrick, an Outbound Sales Associate | Strategic Partnerships at Clements Worldwide. He went above and beyond to assist us from start to finish, in order to obtain our Clements Worldwide Memberships. It is our honour to refer anyone who works for the United Nations, or their spouse, to contact Edward, should they ever need similar assistance. We couldn't have found a kinder, more professional individual to assist and guide us with this process.
Georges Van Montfort
Sep 05, 2021
Excellent service during our stay in Zimbabwe - providing international car insurance coverage thereby minimizing my liabilities in the local market. Great and responsive client manager Aisha Hardwick
Moran Family
Aug 16, 2021
I received excellent, timely service from Raj Kolluru. He was extremely helpful in getting me my auto policy and answering all my questions. Highly recommended.
Leon Ayres
Aug 04, 2021
5 Star rating on Clements worldwide! Customer service is unmatched. Kevin Basilis helped give my family and I peace of mind on our insurance needs, not only on deployment but State side as well. Ive spent many years overseas and clements by far has been one of my easiest experiences when it comes to insurance!
Charlee Doom
Jul 24, 2021
I had a great experience working with Raj Kolluru on both my auto and personal property policies. Raj went above and beyond to help work through a complex situation and made my life really easy! I'm a 10 year happy Clements customer!
Conor Farrell
Jul 18, 2021
We had a great experience with Aisha, Account Executive, she was friendly, resolved our issue when our policy could not be completed on line and processed our policy without delay. She kindly shared her details should we have any further questions about our policy. I would highly recommend contacting her if you have ant queries.