help center
Let’s get you some answers
Browse the help center to find what you need. Still stuck? Drop us a line at hello@midlands.com or head to the contact page.
help center
Let’s get you some answers
Browse the help center to find what you need. Still stuck? Drop us a line at hello@midlands.com or head to the contact page.
help center
Let’s get you some answers
Browse the help center to find what you need. Still stuck? Drop us a line at hello@midlands.com or head to the contact page.
quick links
General questions
1. “What if I change my mind after we start?”
You can stop at any point. There’s no contract, no obligation, and no penalty. If you decide this isn’t right for you — at any stage — you can walk away.
2. “What happens on the first call?”
It’s a conversation, not a consultation. Your coordinator will ask about your situation, what you’ve already tried, and your preferences — and then walk you through what we can do for you. Most calls take around 15-30 minutes.
3. “What if I don’t know if I’m ready to start?”
You don’t need to have everything figured out. Some people reach out while they’re still weighing their options. Some have already visited a clinic and want a second perspective. Wherever you are in this journey, a conversation is a good place to start.
4. “Do I need to have any tests or documents ready?”
Not for the first conversation. Just tell us what you know. If we need medical records later, we’ll tell you exactly what to send and help you get it sorted.
5. “How long does choosing a clinic take?”
Most people hear back with clinic recommendations within a few days of their call. From there, it depends on how quickly you want to move and how quickly the clinics respond.
6. “Does your funding affect your recommendations?”
As mentioned, we are paid by the clinics. But our fee is the same regardless of which clinic you choose — so we have no reason to push one over another. We work with a wide network specifically so we’re never limited to a few partners. And if we think the best clinic for you isn’t in our network we will tell you and help you anyways.
7. “Who will see my medical information?”
Only your coordinator and, if needed, the specialist reviewing your case. We don’t share your information with clinics until you give us permission. And we never use it for anything other than helping you find the right care.
8. “Will you push me toward a specific clinic?”
No. We’ll explain why we recommended what we recommended. We’ll answer every question. But we don’t push, and we don’t rush. The decision is always yours.
9. “What if I’ve already been in touch with a clinic?”
Good — then you already have something to compare. We can help you see if it’s the right fit, or show you how it stacks up against other options for your case.
10. “Can you help if I’m looking at clinics abroad?”
That’s what most people come to us for. We work with clinics across Europe and our coordinators handle everything from appointment scheduling to flights, accommodation, and visa paperwork.
Home insurence
What is included in a typical home insurance policy?
Home insurance typically includes:
Property protection
Personal belongings
Liability coverage
Temporary housing
Check your plan for exact details.
Can I insure more than one property?
Yes, you can add multiple properties to your account. Each will have its own policy and pricing.
What is not covered by home insurance?
Home insurance typically doesn’t cover:
Wear and tear
Pest damage
Intentional damage
Always read your policy for details.
Does home insurance cover water damage?
It depends on the cause. Sudden pipe bursts are usually covered. Ongoing leaks may not be.
Am I covered during home renovations?
You’re still covered, but major renovations should be reported. Some parts may require additional coverage.
Car insurence
What does car insurance usually include?
Car insurance often includes:
Damage to your vehicle
Liability for other people’s cars or property
Theft or vandalism
Personal injury protection
Coverage may vary depending on your plan.
What types of vehicles can I insure?
We cover most personal and commercial vehicles:
Cars
Vans
Motorcycles
Light trucks
Contact us if you’re unsure about a specific vehicle.
Is roadside assistance included?
Roadside assistance is included in most plans. It covers towing, battery jump-starts, and more.
Do you cover windshield damage?
Yes, our car insurance includes glass coverage for windshields and windows.
Can I insure my car for driving abroad?
Yes, but make sure to activate international coverage before you travel. Contact us for details.
Health insurence
What does health insurance cover?
Health insurance typically covers:
Doctor visits
Hospital stays
Prescription medications
Preventive care
Exact coverage depends on your plan.
Can I use any doctor with my health insurance?
You can usually choose any licensed doctor, but costs may be lower if they’re in your plan’s network. Check your policy for details.
What is a deductible in health insurance?
A deductible is the amount you pay out of pocket before your insurance starts covering costs. After that, your plan helps with the rest.
Does health insurance cover specialists?
Yes, most plans cover specialists like dermatologists or cardiologists. You may need a referral from your general doctor first.
Can I add family members to my health insurance?
Yes, you can usually add your spouse or children to your plan. Additional premiums may apply.
Life insurence
What is life insurance?
Life insurance provides financial protection to your loved ones if you pass away. It helps cover expenses like funeral costs, debts, or lost income.
Who should consider getting life insurance?
Life insurance is recommended if you have dependents, debts, or want to leave behind financial security for your family.
How much life insurance do I need?
It depends on your income, expenses, and long-term goals. A good starting point is 10× your annual income.
Can I change my life insurance beneficiary later?
Yes, you can update your beneficiary at any time through your account or by contacting support.
Is the payout from life insurance taxable?
In most cases, life insurance payouts are not taxed. Always check local tax regulations for confirmation.
Travel insurence
What’s covered under travel insurance?
Travel insurance covers things like:
Trip cancellation
Lost luggage
Medical emergencies
Delays and disruptions
Be sure to review the policy before booking.
What does travel insurance cover?
Travel insurance usually includes:
Trip cancellation
Medical emergencies abroad
Lost or delayed luggage
Travel delays
Do you cover trip cancellation?
Yes, if your trip is cancelled due to illness, emergencies, or certain travel restrictions, you may be eligible for reimbursement.
How do I file a travel insurance claim?
Log in to your account and go to Claims. Upload documents like booking confirmations, receipts, or medical reports. Our team will guide you.
Is COVID-19 covered by travel insurance?
Yes, most of our travel plans include coverage for COVID-19 related cancellations, delays, or medical care abroad.
Do you cover lost or stolen passports?
We don’t cover the cost of replacing the passport, but we can assist with travel delays and associated costs caused by the loss.
Can I extend my travel insurance while abroad?
Yes, you can extend your coverage before it expires by logging into your account or contacting support.
Pet insurence
Can I get insurance for my pet?
Yes, we offer pet insurance for both routine care and emergencies. Check our [pet insurance page](#) to see what's included and how to sign up.
Can I use any vet with my pet insurance?
Yes, you can visit any licensed vet. Just keep your receipts and submit a claim afterward.
What if my pet gets sick on a weekend?
Emergency clinics are covered. Keep receipts and notify us through your online portal as soon as possible.
quick links
General questions
1. “What if I change my mind after we start?”
You can stop at any point. There’s no contract, no obligation, and no penalty. If you decide this isn’t right for you — at any stage — you can walk away.
2. “What happens on the first call?”
It’s a conversation, not a consultation. Your coordinator will ask about your situation, what you’ve already tried, and your preferences — and then walk you through what we can do for you. Most calls take around 15-30 minutes.
3. “What if I don’t know if I’m ready to start?”
You don’t need to have everything figured out. Some people reach out while they’re still weighing their options. Some have already visited a clinic and want a second perspective. Wherever you are in this journey, a conversation is a good place to start.
4. “Do I need to have any tests or documents ready?”
Not for the first conversation. Just tell us what you know. If we need medical records later, we’ll tell you exactly what to send and help you get it sorted.
5. “How long does choosing a clinic take?”
Most people hear back with clinic recommendations within a few days of their call. From there, it depends on how quickly you want to move and how quickly the clinics respond.
6. “Does your funding affect your recommendations?”
As mentioned, we are paid by the clinics. But our fee is the same regardless of which clinic you choose — so we have no reason to push one over another. We work with a wide network specifically so we’re never limited to a few partners. And if we think the best clinic for you isn’t in our network we will tell you and help you anyways.
7. “Who will see my medical information?”
Only your coordinator and, if needed, the specialist reviewing your case. We don’t share your information with clinics until you give us permission. And we never use it for anything other than helping you find the right care.
8. “Will you push me toward a specific clinic?”
No. We’ll explain why we recommended what we recommended. We’ll answer every question. But we don’t push, and we don’t rush. The decision is always yours.
9. “What if I’ve already been in touch with a clinic?”
Good — then you already have something to compare. We can help you see if it’s the right fit, or show you how it stacks up against other options for your case.
10. “Can you help if I’m looking at clinics abroad?”
That’s what most people come to us for. We work with clinics across Europe and our coordinators handle everything from appointment scheduling to flights, accommodation, and visa paperwork.
Home insurence
What is included in a typical home insurance policy?
Home insurance typically includes:
Property protection
Personal belongings
Liability coverage
Temporary housing
Check your plan for exact details.
Can I insure more than one property?
Yes, you can add multiple properties to your account. Each will have its own policy and pricing.
What is not covered by home insurance?
Home insurance typically doesn’t cover:
Wear and tear
Pest damage
Intentional damage
Always read your policy for details.
Does home insurance cover water damage?
It depends on the cause. Sudden pipe bursts are usually covered. Ongoing leaks may not be.
Am I covered during home renovations?
You’re still covered, but major renovations should be reported. Some parts may require additional coverage.
Car insurence
What does car insurance usually include?
Car insurance often includes:
Damage to your vehicle
Liability for other people’s cars or property
Theft or vandalism
Personal injury protection
Coverage may vary depending on your plan.
What types of vehicles can I insure?
We cover most personal and commercial vehicles:
Cars
Vans
Motorcycles
Light trucks
Contact us if you’re unsure about a specific vehicle.
Is roadside assistance included?
Roadside assistance is included in most plans. It covers towing, battery jump-starts, and more.
Do you cover windshield damage?
Yes, our car insurance includes glass coverage for windshields and windows.
Can I insure my car for driving abroad?
Yes, but make sure to activate international coverage before you travel. Contact us for details.
Health insurence
What does health insurance cover?
Health insurance typically covers:
Doctor visits
Hospital stays
Prescription medications
Preventive care
Exact coverage depends on your plan.
Can I use any doctor with my health insurance?
You can usually choose any licensed doctor, but costs may be lower if they’re in your plan’s network. Check your policy for details.
What is a deductible in health insurance?
A deductible is the amount you pay out of pocket before your insurance starts covering costs. After that, your plan helps with the rest.
Does health insurance cover specialists?
Yes, most plans cover specialists like dermatologists or cardiologists. You may need a referral from your general doctor first.
Can I add family members to my health insurance?
Yes, you can usually add your spouse or children to your plan. Additional premiums may apply.
Life insurence
What is life insurance?
Life insurance provides financial protection to your loved ones if you pass away. It helps cover expenses like funeral costs, debts, or lost income.
Who should consider getting life insurance?
Life insurance is recommended if you have dependents, debts, or want to leave behind financial security for your family.
How much life insurance do I need?
It depends on your income, expenses, and long-term goals. A good starting point is 10× your annual income.
Can I change my life insurance beneficiary later?
Yes, you can update your beneficiary at any time through your account or by contacting support.
Is the payout from life insurance taxable?
In most cases, life insurance payouts are not taxed. Always check local tax regulations for confirmation.
Travel insurence
What’s covered under travel insurance?
Travel insurance covers things like:
Trip cancellation
Lost luggage
Medical emergencies
Delays and disruptions
Be sure to review the policy before booking.
What does travel insurance cover?
Travel insurance usually includes:
Trip cancellation
Medical emergencies abroad
Lost or delayed luggage
Travel delays
Do you cover trip cancellation?
Yes, if your trip is cancelled due to illness, emergencies, or certain travel restrictions, you may be eligible for reimbursement.
How do I file a travel insurance claim?
Log in to your account and go to Claims. Upload documents like booking confirmations, receipts, or medical reports. Our team will guide you.
Is COVID-19 covered by travel insurance?
Yes, most of our travel plans include coverage for COVID-19 related cancellations, delays, or medical care abroad.
Do you cover lost or stolen passports?
We don’t cover the cost of replacing the passport, but we can assist with travel delays and associated costs caused by the loss.
Can I extend my travel insurance while abroad?
Yes, you can extend your coverage before it expires by logging into your account or contacting support.
Pet insurence
Can I get insurance for my pet?
Yes, we offer pet insurance for both routine care and emergencies. Check our [pet insurance page](#) to see what's included and how to sign up.
Can I use any vet with my pet insurance?
Yes, you can visit any licensed vet. Just keep your receipts and submit a claim afterward.
What if my pet gets sick on a weekend?
Emergency clinics are covered. Keep receipts and notify us through your online portal as soon as possible.
quick links
General questions
1. “What if I change my mind after we start?”
You can stop at any point. There’s no contract, no obligation, and no penalty. If you decide this isn’t right for you — at any stage — you can walk away.
2. “What happens on the first call?”
It’s a conversation, not a consultation. Your coordinator will ask about your situation, what you’ve already tried, and your preferences — and then walk you through what we can do for you. Most calls take around 15-30 minutes.
3. “What if I don’t know if I’m ready to start?”
You don’t need to have everything figured out. Some people reach out while they’re still weighing their options. Some have already visited a clinic and want a second perspective. Wherever you are in this journey, a conversation is a good place to start.
4. “Do I need to have any tests or documents ready?”
Not for the first conversation. Just tell us what you know. If we need medical records later, we’ll tell you exactly what to send and help you get it sorted.
5. “How long does choosing a clinic take?”
Most people hear back with clinic recommendations within a few days of their call. From there, it depends on how quickly you want to move and how quickly the clinics respond.
6. “Does your funding affect your recommendations?”
As mentioned, we are paid by the clinics. But our fee is the same regardless of which clinic you choose — so we have no reason to push one over another. We work with a wide network specifically so we’re never limited to a few partners. And if we think the best clinic for you isn’t in our network we will tell you and help you anyways.
7. “Who will see my medical information?”
Only your coordinator and, if needed, the specialist reviewing your case. We don’t share your information with clinics until you give us permission. And we never use it for anything other than helping you find the right care.
8. “Will you push me toward a specific clinic?”
No. We’ll explain why we recommended what we recommended. We’ll answer every question. But we don’t push, and we don’t rush. The decision is always yours.
9. “What if I’ve already been in touch with a clinic?”
Good — then you already have something to compare. We can help you see if it’s the right fit, or show you how it stacks up against other options for your case.
10. “Can you help if I’m looking at clinics abroad?”
That’s what most people come to us for. We work with clinics across Europe and our coordinators handle everything from appointment scheduling to flights, accommodation, and visa paperwork.
Home insurence
What is included in a typical home insurance policy?
Home insurance typically includes:
Property protection
Personal belongings
Liability coverage
Temporary housing
Check your plan for exact details.
Can I insure more than one property?
Yes, you can add multiple properties to your account. Each will have its own policy and pricing.
What is not covered by home insurance?
Home insurance typically doesn’t cover:
Wear and tear
Pest damage
Intentional damage
Always read your policy for details.
Does home insurance cover water damage?
It depends on the cause. Sudden pipe bursts are usually covered. Ongoing leaks may not be.
Am I covered during home renovations?
You’re still covered, but major renovations should be reported. Some parts may require additional coverage.
Car insurence
What does car insurance usually include?
Car insurance often includes:
Damage to your vehicle
Liability for other people’s cars or property
Theft or vandalism
Personal injury protection
Coverage may vary depending on your plan.
What types of vehicles can I insure?
We cover most personal and commercial vehicles:
Cars
Vans
Motorcycles
Light trucks
Contact us if you’re unsure about a specific vehicle.
Is roadside assistance included?
Roadside assistance is included in most plans. It covers towing, battery jump-starts, and more.
Do you cover windshield damage?
Yes, our car insurance includes glass coverage for windshields and windows.
Can I insure my car for driving abroad?
Yes, but make sure to activate international coverage before you travel. Contact us for details.
Health insurence
What does health insurance cover?
Health insurance typically covers:
Doctor visits
Hospital stays
Prescription medications
Preventive care
Exact coverage depends on your plan.
Can I use any doctor with my health insurance?
You can usually choose any licensed doctor, but costs may be lower if they’re in your plan’s network. Check your policy for details.
What is a deductible in health insurance?
A deductible is the amount you pay out of pocket before your insurance starts covering costs. After that, your plan helps with the rest.
Does health insurance cover specialists?
Yes, most plans cover specialists like dermatologists or cardiologists. You may need a referral from your general doctor first.
Can I add family members to my health insurance?
Yes, you can usually add your spouse or children to your plan. Additional premiums may apply.
Life insurence
What is life insurance?
Life insurance provides financial protection to your loved ones if you pass away. It helps cover expenses like funeral costs, debts, or lost income.
Who should consider getting life insurance?
Life insurance is recommended if you have dependents, debts, or want to leave behind financial security for your family.
How much life insurance do I need?
It depends on your income, expenses, and long-term goals. A good starting point is 10× your annual income.
Can I change my life insurance beneficiary later?
Yes, you can update your beneficiary at any time through your account or by contacting support.
Is the payout from life insurance taxable?
In most cases, life insurance payouts are not taxed. Always check local tax regulations for confirmation.
Travel insurence
What’s covered under travel insurance?
Travel insurance covers things like:
Trip cancellation
Lost luggage
Medical emergencies
Delays and disruptions
Be sure to review the policy before booking.
What does travel insurance cover?
Travel insurance usually includes:
Trip cancellation
Medical emergencies abroad
Lost or delayed luggage
Travel delays
Do you cover trip cancellation?
Yes, if your trip is cancelled due to illness, emergencies, or certain travel restrictions, you may be eligible for reimbursement.
How do I file a travel insurance claim?
Log in to your account and go to Claims. Upload documents like booking confirmations, receipts, or medical reports. Our team will guide you.
Is COVID-19 covered by travel insurance?
Yes, most of our travel plans include coverage for COVID-19 related cancellations, delays, or medical care abroad.
Do you cover lost or stolen passports?
We don’t cover the cost of replacing the passport, but we can assist with travel delays and associated costs caused by the loss.
Can I extend my travel insurance while abroad?
Yes, you can extend your coverage before it expires by logging into your account or contacting support.
Pet insurence
Can I get insurance for my pet?
Yes, we offer pet insurance for both routine care and emergencies. Check our [pet insurance page](#) to see what's included and how to sign up.
Can I use any vet with my pet insurance?
Yes, you can visit any licensed vet. Just keep your receipts and submit a claim afterward.
What if my pet gets sick on a weekend?
Emergency clinics are covered. Keep receipts and notify us through your online portal as soon as possible.
Contact
Still feeling lost? Get in touch.
Contact
Still feeling lost? Get in touch.
Contact