A Complete Guide to Embracing Life Abroad
Becoming an expat is one of the most exciting and life-changing decisions a person can make. But what is an expat, exactly? And how does their lifestyle differ from that of an immigrant?
Each year, millions of people embrace the expat lifestyle, driven by everything from new job opportunities and a desire to experience new cultures to seeking a better quality of life or simply a thirst for adventure.
Whatever the reason, moving abroad is a big change, and it's important to understand what lies ahead before committing to life in another country.
So, if you're considering becoming an expat, this in-depth guide will outline what to expect while living abroad and how to kickstart your journey. We'll also discuss the benefits and challenges of expat life and how to choose the right country for you, as well as share expert tips and practical advice from seasoned international citizens.
Becoming an expat is one of the most exciting and life-changing decisions a person can make. But what is an expat, exactly? And how does their lifestyle differ from that of an immigrant?
Each year, millions of people embrace the expat lifestyle, driven by everything from new job opportunities and a desire to experience new cultures to seeking a better quality of life or simply a thirst for adventure. Whatever the reason, moving abroad is a big change, and it's important to understand what lies ahead before committing to life in another country.
So, if you're considering becoming an expat, this in-depth guide will outline what to expect while living abroad and how to kickstart your journey. We'll also discuss the benefits and challenges of expat life and how to choose the right country for you, as well as share expert tips and practical advice from seasoned international citizens.
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What Is an Expat?
The term "expat," short for expatriate, refers to someone who lives in a foreign country outside of their origin or citizenship. While their extended stay abroad is often for work, this is not always the case.
Many expats move for other reasons, such as pursuing higher education, following a partner or family, seeking a better quality of life, or simply embracing the adventure of living in a new culture. Some may be drawn by the opportunity to experience different customs and lifestyles, while others relocate to explore new career paths, escape political or economic instability, or even retire to a more affordable and scenic destination.
Regardless of the motivation, the decision to become an expat represents a major life shift and often requires careful planning, adaptability, and an open mind to fully embrace the new environment.
The History of the Term “Expat”
The term "expat" comes from the Latin phrase ex patria, which roughly translates to “away from one’s native country” or, more literally, “ex-patriot.”
Initially, the word had a somewhat negative connotation, as some believed it implied that a person living abroad was no longer patriotic to their home country. However, as time went on, the expat lifestyle became more common, and the term began to be used in a more positive light.
Today, people use the word "expat" to describe someone who moves away from their home country to live in a foreign country for reasons such as work, family, self-improvement, or adventure.
How Do Expats Differ From Immigrants?
Unlike immigrants, who typically plan to become permanent residents or citizens of their new country, expats usually live abroad for a limited or indefinite period without intending to gain citizenship.
Some expats may move from country to country in search of new opportunities and experiences, while others might eventually decide to settle abroad permanently.
Ultimately, the choice to live as an expat or an immigrant depends on personal goals and circumstances, making each journey abroad unique.
What Type of Visa Do Expats Need?
While there are some exceptions, most people need to apply for a visa before entering another country. This is especially true if they plan to stay for longer than a short vacation.
Types of Visas for Expats
The type of visa you need depends on your reason for staying. For example, are you moving for work, study, retirement, or to reunite with family? Some countries offer specific visas for each of these reasons, while others provide general long-stay visas for various purposes.
If you plan to retire abroad, some countries offer retirement visas. However, it's important to be aware that foreign retirees may be subject to work restrictions or other special requirements.
Most international students need to apply for a study visa once they have been accepted to a foreign university. However, similar to retirement visas, study visas often come with work restrictions.
The most difficult type of visa to obtain is a work visa, although some countries make the process easier. Securing a work visa typically involves a complex procedure that requires proof of expertise, documentation from your employer, and other specific requirements.
Expats who work remotely often travel abroad as digital nomads, enjoying the freedom to work from various locations. With the rise of remote work, many countries now offer digital nomad visas, which provide a legal way to live and work abroad while exploring new cultures and environments.
Key Questions to Ask Before Applying for a Visa
Whatever your situation, there are several questions to consider before applying for a visa:
- Does the country offer a visa that covers the length of time you plan to stay? If not, is there an option to renew the visa?
- What is the cost of the visa application and associated fees?
- Do you meet the visa requirements? These can include passing a criminal background check or making a minimum income.
It is important to be aware that visa requirements can vary significantly between countries. Some may have stricter regulations, while others might offer visas that are specific to your country of origin. Additionally, some nations may not require a visa at all.
For example, citizens of the European Union can travel to and work in different EU member states without needing to apply for a visa. Similarly, if you’re from the United States, you can live visa-free in Albania for up to one year, while the Marshall Islands allow you to live there indefinitely without a visa.
To learn more about a country’s visa and immigration requirements, it’s best to check with the local embassy or consulate.
Read More: Visas for Work and Travel Abroad
How Do Expats Find Work Abroad?
Working abroad is an entirely different experience than working in your home country.
First, it’s important to understand the country’s economy and industries. Some nations have stronger economies and better job opportunities than others, while many only welcome foreigners with specific, highly demanded skills or industry experience.
For example, Germany and India are known for their engineering sectors and are great options for expats with an engineering background. Similarly, Western Europe offers opportunities in digital marketing and technology, while Hong Kong has a range of jobs in finance and real estate.
Meanwhile, there are numerous job openings for medical professionals in Canada and the United States, including doctors and nurses. Moreover, the U.S. often offers higher salaries compared to other countries and is home to world-renowned medical schools for those looking to advance their education.
Digital nomads, on the other hand, can potentially work from anywhere, which provides immense freedom when choosing a country in which to live.
So, what’s your skill set? Will you qualify for the types of jobs available in your destination country?
Make sure to consider these factors carefully before planning your move. After all, you’ll want to choose a location with good career prospects.
Read More: 31 Tips for Digital Nomads No One Tells You
Managing Your Finances as an Expat
Carefully managing your banking and finances is crucial when living abroad. Before you relocate, it's important to research the cost of living in your new country.
For example, will your income be enough to make ends meet? It’s essential to understand how the costs of rent, groceries, transportation, and utilities in your new country compare to what you currently pay.
It's also wise to research the average salary for your industry in the country you plan to move to. In some cases, it may be higher than what you currently earn, while in others, it could be much lower.
All these factors will affect your ability to maintain your current lifestyle and manage your finances while living abroad.
Budgeting for Life Abroad
Even if you can afford the cost of living abroad, every expat needs a budget to ensure they can enjoy the best quality of life.
Budgeting for your move will help you stay financially secure. After all, the last thing you want is to run out of money while living in a foreign country.
A great first step is setting up an emergency fund for unexpected expenses. A savings account provides a financial cushion (and peace of mind) in case your situation changes suddenly.
Also, don’t forget to factor in the currency exchange rate when calculating the cost of living in your new country.
Banking and Taxes: What You Need to Know
Opening a bank account abroad can make life much easier in the long run. It can help you avoid high foreign transaction fees – such as ATM or currency exchange fees – simplify paying bills, and make it easier to manage your finances in the local currency.
Having a local bank account also provides quicker access to your funds and helps streamline everyday expenses, such as rent, groceries, and transportation.
While living abroad, you may need to transfer funds between countries, so it's important to understand the best methods for sending international money transfers. Luckily, many of these transfers can now be easily done on your phone through various apps, making it convenient to manage your finances on the go.
Taxes are another critical aspect of expat finances. In some cases, you may owe taxes in both your new country and your home country. That said, some countries, such as the U.S., have treaties with many nations to prevent double taxation. These treaties can lower tax rates or provide exemptions for Americans living abroad.
Countries that share tax treaties with the U.S. include Australia, France, Germany, Spain, and China, among others. If you’re an American expat or moving to the U.S. from another country, be sure to check if a tax treaty applies to your situation.
Read More: Top 10 International Tax Firms For Expats
How to Stay Safe as an Expat
The reality is that some countries are more welcoming to foreigners than others. However, even in friendly nations, certain cities or regions can pose greater risks due to higher crime rates, political unrest, or natural disasters.
The number one safety tip when living abroad is to always be aware of your surroundings. Make sure to avoid high-crime areas and stay up to date with the latest travel advisories.
Moreover, women who travel alone should take extra precautions while living abroad, and the same goes for expats who identify as LGBTQ+. Cultural differences regarding gender and sexuality can increase the risk of discrimination and even physical attacks in some parts of the world.
In certain countries, you may also need to consider food and water safety. For instance, is it safe to drink tap water, or will you need to buy bottled water? Also, be mindful of foodborne illnesses that could make you sick.
Staying healthy while living abroad is a top priority. Take the time to learn about the local foods and seek opportunities to stay active and fit, so you can fully enjoy your new life as an expat.
Read More: The Safest Places in the World to Live
Raising Children Abroad: What Expats Should Know
Planning to move abroad with children? Before relocating, it's essential to consider your family’s needs.
Start by researching the education system in your new home country. Focus on the quality of public schools while also exploring the availability and cost of private and international schools. However, keep in mind that public schools may not be an option unless your child speaks the local language.
Look into whether the public schools in your new country offer a higher or lower standard of education compared to where you live now. If you decide to invest in a better education for your children, an international or private school may be a better option. Many expats opt for international schools, which often have established systems to support expat students on track for graduation.
If you need inspiration for your family’s adventure abroad, check out our article on the best countries to raise children.
Overcoming the Challenges of Expat Life
Thanks to technology, preparing for an international move is easier than ever, but some relocations can still feel more challenging than others.
Learning the local language is one of the toughest parts of moving overseas, especially if you’re relocating to a country where people don’t speak your language. Other common problems expats face include finding housing, managing finances, and fitting in with locals.
Loneliness is another challenge many expats encounter. It's common for newcomers to feel isolated when they first move abroad, which can sometimes lead to feelings of depression. Remember, it’s important to seek support when you need it – so don’t hesitate to reach out for help.
Preparation is key to overcomimg these challenges and successfully transitioning to your new home. In fact, you can never be too prepared! Below are a few tips to help you get started.
Read More: The Challenges of Moving Overseas
Learn the Local Language
Learning the language and culture of your new home country is one of the best ways to settle in and adapt. Of course, this is often easier said than done, and for some expats, this is the most challenging part of adjusting to life in a new country.
Mastering a new language requires hard work and dedication, but the effort will be well worth it when you can read signs and communicate more effectively with locals. And the good news is that you don’t have to go about it alone.
Many expats hire language tutors, take classes, use language apps, or join local study groups to immerse themselves in the language. Remember, the more you practice, the quicker you'll feel at home in your new environment.
Connect with Fellow Expats and Locals
One of the best ways to get started is to locate nearby expat communities. Connecting with other foreign residents can provide a sense of community and help you navigate common challenges by learning from their experiences.
Having said that, try not to confine yourself to fellow expats alone. Step outside your comfort zone, explore, and get to know your new surroundings. Engaging with locals not only enriches your understanding of the culture but also helps build meaningful relationships that can enhance your experience in the new country.
Read More: How to Make Friends While Living Abroad
Immerse Yourself in Local Culture
If you want to truly understand the locals, you need to immerse yourself in their way of life. Shop where they shop, eat where they eat, and take part in their social customs and preferred forms of entertainment.
But remember, you can’t become fully immersed unless you’re open-minded and willing to learn about local culture, traditions, and customs. So embrace the experience, take it all in, and you'll be amazed at how much richer your time abroad will be.
While this journey can be exciting, it may also feel daunting. Some expats struggle to adjust and cope with culture shock. However, take comfort in the fact that nearly all new experiences feel overwhelming at first, and that’s completely normal. So don’t give up – and with time, the culture shock will pass.
Take Care of Your Health and Wellbeing
Taking care of yourself while living abroad should be a top priority, and this includes making sure you have access to quality healthcare when you need it. With this in mind, it’s a good idea to purchase an international health insurance plan to cover both routine and emergency medical care.
Even in countries with public or universal healthcare systems, having private insurance can increase your access to English-speaking doctors and reduce wait times. Since many countries don't provide public health insurance benefits to expats or foreigners, it’s also wise to have a backup plan.
Additionally, some countries require foreigners to show proof of private health insurance when applying for a visa, so be sure to shop around and compare international plans before booking your flight.
There are several great plans to choose from, including the following:
Cigna Global Medical Plan
- Flexibility to tailor plans to suit your individual needs
- Access to Cigna Global’s network of trusted doctors
- Convenience and confidence of 24/7/365 customer service
IMG Global Medical Plan
- Four plan options and plus optional coverages
- Choice of the coverage areas and deductibles
- Freedom to choose your health care provider
Notably, U.S. citizens planning on moving abroad can also apply for the following:
Xplorer Worldwide Medical Plan
- Premium Benefits, Coverage and Service
- Define your deductible and prescription benefits
- For Foreigners in the US or US Citizens Abroad
Remember, your well-being also includes mental health. The stress of adjusting to a new life can be overwhelming, and you may find yourself missing friends and family back home.
Be sure to set aside time for rest, recreation, meditation, and social connections. This will help you navigate the challenges of expat life and make it easier to adjust to your new surroundings.
Read More: Expat Insurance: Health, Life, and Travel Insurance
Ready to Embrace the Expat Lifestyle?
If you dream of becoming an expat, know that the experience can be exciting, refreshing, and fun – though it may also feel a bit intimidating at first. But each year, more and more people are embarking on this journey, and you’ll likely discover welcoming expat communities wherever you go.
The key to thriving as an expat lies in having a flexible mindset. This means being open to new experiences and unexpected changes, as well as being willing to adapt and navigate the challenges of your new life.
However, at the end of the day, your physical and mental well-being is what matters most. Taking care of your health, ensuring your safety, and striving to live a balanced and fulfilling life are essential. By focusing on these aspects, you'll be better equipped to embrace new challenges and fully enjoy your expat adventure.
So, are you ready to dive deeper into the expat lifestyle? Take the next steps and explore our Moving Abroad, Living Abroad, and Working Abroad guides, and start planning your relocation with our Ultimate Moving Abroad Checklist. Your adventure awaits!
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