Expat Health Insurance Plan

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Expat Insurance Coverage Purchase Tips

  • Annually renewable as long as you continue to meet the eligibility requirements.
  • Choose from low cost fixed coverage and higher coverage comprehensive plans.
  • Available up to the age 74. (Higher age available if enrolled by age 64.)
  • Expatriate insurance plans are not Affordable Care Act (ACA) compliant.
  • Expatriates, retirees, workers outside the U.S. have excellent choices.
  • Various payment frequencies and maternity coverage available.

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.

What is Expatriate Health Insurance?

Health insurance for expats is major medical insurance coverage for persons primarily residing outside their home country.

What is Covered in the Expat Health Insurance?

Depending upon the plan you purchase, expat health insurance can provide coverage for:

How Can I Get Expat Health Insurance?

You can get expat health insurance right here on our website. Just enter your information into the quote form, instantly compare various plans, and apply for coverage online instantly.

Why Buy from Insubuy?

Insubuy has been helping insure travelers for more than 20 years.

Insubuy has helped more than 3 million travelers find their perfect insurance.

Insubuy is an award-winning, US-based travel insurance marketplace.

Insubuy has been an innovator in travel and international insurance since 2000.

Insubuy has been helping insure travelers, international students, and expats for over two decades, offering a one-stop-shop insurance marketplace for quick and easy coverage in minutes, all backed by superior customer service.

Our industry-leading website makes it simple to compare plans side by side and ensure you’re getting the best coverage for your needs. And if you ever need assistance, our Plano, Texas-based customer service agents are available to help when you need it.

  • Lowest Price Guarantee – Insurance prices are regulated by law, so you’ll always get the best price.
  • Expert Advice – Licensed agents are standing by to answer any question you may have.
  • Secure Purchase – Insubuy is GoDaddy verified and secured, and a certified TrustedSite.
  • Buy with Confidence – Insubuy is rated A+ with the Better Business Bureau.
  • Self-Service Capabilities – Our MyAccount portal allows you to access and manage your insurance information 24/7.
  • No Spam – You’ll never receive unsolicited spam when you purchase from Insubuy.

Frequently Asked Questions About Expat Insurance

  • How much does expatriate health insurance cost?

    The cost of expatriate insurance depends on several factors including the chosen policy maximum, your age, the coverage area, and any optional elections. We make it easy to compare expat insurance plans using our fast comparison tool. Enter your information in the quote form above to get health insurance for living abroad.

  • How do expats get healthcare?

    Expats get healthcare by using doctors and hospitals local to them. In order to pay for it, the expat will want to purchase expat medical insurance. Without this coverage, major medical issues could have serious financial consequences.

  • Can I get US health insurance if I live abroad?

    US healthcare will generally not cover you if you live abroad. You must purchase medical coverage that is designed for expatriates. Expat health insurance offers many advantages over local insurance due to its portability, ease of renewal, and acceptance in any covered country.

  • What are the benefits of expat medical insurance?

    When living abroad it’s important to have medical coverage. Expatriate health insurance is annually renewable, meaning any covered medical condition can continue to be covered after you renew.

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.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling 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.

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New 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.

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Going 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.

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Are 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.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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