Best International, Global (Annually Renewable) Health Insurance Plans
When living abroad for an extended period (1 year or more), make sure you have the best health coverage possible to insure you and your family should you need medical assistance. Below you are able to review and compare global health insurance plans. The companies compared below offer comprehensive worldwide annually renewable health insurance tailored to the needs of expatriates, global nomads or international citizens. We have selected highly rated insurers with excellent customer service, 24/7 emergency assistance and the most extensive network of doctors and health care facilities. We offer a three plans, each provide basic as well as more comprehensive plans with additional benefits and coverage options. Compare for yourself and then give us a call – our experienced staff of insurance experts can then answer any questions that remain and walk you through the process of applying. Click on the links below each plan for more detail or click to get a free quote.
International Health Insurance Plan Comparisons
Compare Options
- Plan Options
- Policy Maximum
- Eligibility
- Coverage Area
- Home Country Coverage
- Doctor Visits
- Wellness Checkups
- Hospitalization
- Intensive Care
- Prescription Medication
- Dental
- Vision
- Pre-Existing Conditions
- Maternity
- Mental Health
- Medical Evacuation
- Deductible
- Renewable
- Cancellation
- PPO Network
- Administrator
- Underwriter
- Rating
- Review / Best For
IMG Global Medical
- Bronze, Silver, Gold, Gold PLUS and Platinum
- $1,000,000 – $8,000,000 lifetime per individual
- Available to U.S. and Non-U.S. citizens up to 74 Years of Age
- Worldwide. Option to exclude the USA, Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan
- U.S. citizens up to 6 months; all others 12 months
- Your choice of doctors wherever your are in the world
- Included in Silver plan and above after 6-12 mo.
- Semi-private or private rooms, depending on plan
- Included
- Included
- Emergency included; Non-emergency optional
- Platinum plan included; Optional on other plans
- Platinum plan; Other plans (excl. Bronze) after 24 mos.
- Included in Platinum plan after 10 month waiting period
- Silver plan and above included after 12 mo. waiting period
- Included, limits vary by plan
- Multiple Options from $100 – $25,000
- Annually renewable to age 75
- 15 day free look period with full refund.
- Expansive PPO network
- IMG Global
- Sirius International
- A (A.M. Best)
- Affordable. Available worldwide. Good option for clients on a budget, including seniors or younger travelers. Platinum Plan offers great benefits.
Cigna International
- Silver, Gold and Platinum with optional modules
- $1,000,000, $2,000,000 or Unlimited (per Year)
- All nationalities, All Ages
- A) Worldwide
B) Worldwide excluding the US - Up to 3 Months of home country coverage
- Included
- Included (Routine Health Checks, Vaccinations, etc.)
- Semi-private or private rooms, depending on plan
- Included
- Included
- Accidental included; Additional services have waiting periods
- Included at 100% for Platinum plan, limits on other plans
- To be reviewed pending results of underwriting; certain special exclusions may be added to your plan (standard with most insurers)
- 12 month wait for Gold and Platinum plans
- 100% paid for Platinum, $10,000-Gold, $5,000-Silver
- Paid in Full
- $0, $375, $750, $1,500, $3,000, $7,500, $10,000
- Lifetime renewable
- 14 day money back guarantee
- Available or Cigna will help find a provider
- Cigna
- Cigna
- A (A.M. Best)
- High quality international plan! Best for expats, families or individuals living abroad for 2 or more years. Flexible plan design to lower costs.
GeoBlue Xplorer
- Xplorer Essential, Select and Premier Plans
- Unlimited
- U.S. citizens or residents, now available in all states!
- A) Worldwide
B) Worldwide excluding the US - Up to 9 Months of Cover in the US
- Included
- Preventative visits are covered
- Included
- Included
- 100% up to $500
- Optional; Accidental dental, $1,000 per year, $200 per tooth
- Optional
- 6 month waiting period (waived if there is prior creditable coverage)
- Immediate with Select plan, 364 day wait otherwise
- Included
- Up to $250,000
- $0 – $10,000
- Yes
- Cancellation
- You choose medical providers, assistance is available
- Geo Blue
- 4 Ever Life International
- A- (A.M. Best)
- Premium Level Coverage. Great for U.S. citizens living abroad. Reduced costs if you maintain a U.S. health plan!
Let us know if you have any specific questions about comparing International Health Insurance plans. If you are traveling for a shorter period and/or want less comprehensive insurance, review our Travel Medical and Trip Insurance plans. You can contact us anytime.
You may also want to review our Expatriate Health Insurance Plans or Group International Health Plans.
This comparison of the best global insurance plans contains a summary description of all plan benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. Review your plan policy and certificate before and after you have applied. You may cancel your plan during the "look back" period if the policy does not meet your needs. Contact us for help, guidance and to apply.