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Expatriate Health Insurance
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Annually renewable worldwide major health insurance, for persons staying outside the U.S. NOT for people planning to visit the U.S. for a short term. Look at Visitors (USA) instead.
Expatriate Medical Insurance
Expatriate medical insurance provides major medical insurance coverage for persons primarily residing outside the United States.
What does expatriate medical insurance include?
Expatriate medical insurance plans are comprised of various benefits, some of these standard benefits may include:
Emergency Medical Expenses
Expatriate health insurance plans are major medical plans that provide anywhere from $1,000,000 to $8,000,000 in medical coverage. As the plans are annually renewable, any covered medical condition that occurs in a previous year would continue to be covered in the subsequent years. After being insured for certain duration, some pre-existing conditions may be covered just like any other new medical conditions. Additionally, it may also provide coverage for a wellness checkup and optional dental and vision.
PPO Network
Most expatriate medical insurance plans participate in a PPO network within the U.S. as well as having an extensive network of providers in various countries. That makes taking a treatment relatively easy when you become sick or injured. The insurance company can generally pay directly to the providers in the network and providers would have to accept the network negotiated fees as the full payment.
Portable Coverage
As expat health insurance may provide coverage in multiple countries (according to chosen coverage area), if an expatriate moves to another country on an assignment or for retirement, they would continue to be covered without having to worry about the pre-existing conditions that were treated during the previous policy durations. Most local health insurance plans in a foreign country may not provide any coverage outside that country and if you buy insurance in a different country, it would start all over again.
Flexible Treatment
If you are living in an area where healthcare quality is not up to the standards you expect and if you are seriously sick, you will have an option to receive treatment in another country (according to chosen coverage area). With the worldwide coverage option, you can be treated anywhere in the world including the United States.
Emergency Medical Evacuation / Repatriation
Living or retiring in a foreign country can be fun and relaxing. However, if you were to be injured or become severely sick, and if the local facilities can't provide you an adequate treatment, emergency medical evacuation would transport you to the nearest place where adequate care can be given. After you are stable and can travel long distances, it can also arrange for your transportation back to your home country.
Return of Mortal Remains
If in an unfortunate event that you were to pass away, return of mortal remains would pay for transportation of your remains or local cremation.
Life Insurance
In addition to providing Accidental Death & Dismemberment (AD&D) coverage, you may also be able to purchase optional life insurance coverage which would be general purpose.
Working or retiring in a foreign country can be exciting and fun.
Don't take chances without expatriate health insurance, get free quotes today!
Travel Insurance Coverage Options
Depending on what is most important for you to have covered, there may be a plan better tailored to your needs:
Missionary Health Insurance
Missionary health insurance plans are very similar to regular expatriate medical insurance plans. However, they are designed specifically for missionaries residing for a long term outside the U.S. It has limited coverage for furlough in your home country between your assignments and political evacuations.
Marine Crew Health Insurance
Marine crew health insurance plans are very similar to expatriate health insurance plans. However, they are specifically designed to cover the marine crew which is aboard the ship most of the times. Therefore, some of the plans have additional benefits such as recreational scuba diving.
Travel Medical Insurance
If you are traveling for a short duration outside your home country, you may want to purchase travel medical insurance, especially if your current insurance will not provide coverage in that area. There are many travel health insurance options to choose from. You can get instant quotes, compare them side by side and make an instant purchase online. You just pay for the exact number of days you are traveling.
Visitors to USA Insurance
If you are visiting United States, and if you already don't have worldwide medical coverage, you should highly consider purchasing visitors insurance as the healthcare expenses is the highest in the U.S. Some coverage for acute onset of pre-existing conditions is available up to a certain age. Even though fixed coverage plans are low cost, they provide a very limited coverage and highly insufficient. Therefore, we always recommend everyone to purchase comprehensive coverage plans only.
Insurance Guide
Our insurance guide makes it very easy to navigate the complexities of expatriate health insurance.
Did you know?
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling abroad?
Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreNew immigrant to USA?
You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing on a vacation?
You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreAre you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More