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* Please contact us with Quote ID: {{fullQuoteId}} as we may still be able to arrange a plan for you.
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.
Health insurance for expats is major medical insurance coverage for persons primarily residing outside their home country.
Depending upon the plan you purchase, expat health insurance can provide coverage for:
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.
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.
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.
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.
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.
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.
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.
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.
Over two decades of excellent customer experiences, read what customers are saying about Insubuy.
I purchase medical insurance through Insubuy every time I visit family and friends in the US. It's affordable and super easy to buy through the website. Normally, I don't use the policy, but I used it to get urgent care on my most recent trip, and it worked perfectly! I can't emphasize enough how much peace of mind it gives me to know that I'm actually insured when I travel.
I've been buying travel insurance from Insubuy for at least 10 years for my family and our visitors from overseas. Their prices have always been better than anywhere else I've seen and their site is easy to use offers lots of different policies and comparisons between them. Their agents are in general very knowledgeable and helpful (I've talked to many over the years).
I've used Insubuy a few times now - their rates are good and the website is easy to use. I had to make a couple of claims against a policy I purchased with them for my kids and they were paid without hassle. Not only would I buy through them again - but I continue to purchase insurance from them when I travel for myself and the family.
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.
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.
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.
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.
Depending on what is most important for you to have covered, there may be a plan better tailored to your needs:
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 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.
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.
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.
Our insurance guide makes it very easy to navigate the complexities of expatriate health insurance.
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreSame Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreHealthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreDid 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 MoreYou are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreYou 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 MoreThe U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreSchengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreYou don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreMost schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More
