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Worldwide Medical Insurance
For people living abroad, usually outside their native country.
Worldwide medical insurance plans are suitable for people that primarily live outside the US for more than 6 months in a given year. US and non-US citizens are both eligible to purchase these plans. Non-US citizens can purchase worldwide health insurance even while still living in their country of citizenship. Expat health insurance allows you to choose from several coverage areas.
These plans are not meant for people planning to visit the USA for a short duration. If you are visiting USA temporarily, please look at the insurance plans in the Visitors to USA section.
| COVID-19 | Included |
Coverage varies based on the plan: Bronze, Silver, Gold, Platinum
Direct Billing: Through UnitedHealthcare PPO Network 
| COVID-19 | Excluded |
After deductible, you pay 20% of the first $5,000 of eligible expenses, rest covered at 100% up to policy maximum.
Outside U.S. / Canada: After deductible, plan pays 100% to policy maximum
Direct Billing: Through United Healthcare PPO Network
| COVID-19 | Excluded |
After deductible, payment varies based on in/out network and in/out U.S.
Direct Billing: Through BlueCross BlueShield PPO Network 
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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