Finding the Top Global Health Insurance Providers
Finding the best international health insurance plan should be at the top of your list of priorities when planning your move abroad. Surprisingly, there are some excellent options from which to choose. And many of these health insurance plans are very affordable, especially when compared to health insurance plans in the US. But which international health insurance companies are the best?
Researching Medical Insurance Companies
The place to start is online. There are many resources to help you make your decision.
- Learn more about International Health Insurance
- Review and Compare your Options: Compare Medical Plans
- Learn about options to cover you for one year or less: Travel Medical Insurance.
Please contact us for guidance on choosing the best health insurance company and the right plan for your individual or group insurance needs. Use the form to the right or submit a quote request online.
What are the Top Ten International Health Insurance Companies
Below is a comprehensive list of top ten international health insurance companies that offer the best international insurance in regards to service, benefits, coverage, and rates. As always, review the terms of the policy carefully and discuss with an international insurance broker who can help guide you through the process.
3 Best International Health Insurance Providers
Cigna Global Insurance
Cigna Global Insurance was one of the first companies to offer expatriate or global insurance plans and they remain a leading international provider. Free Cigna Quote / Apply. Cigna Global is an excellent option for most internationals living abroad with comprehensive coverage in almost any country.
Cigna Global Insurance Plan
- The flexibility to tailor a plan to suit your individual needs
- Access to Cigna Global’s network of trusted hospitals, clinics, and doctors
- The convenience and confidence of 24/7/365 customer service
The Cigna Global plan offers clients a flexible plan design allowing you to pick and choose the benefits you want, and to exclude those you don’t need. Costs can further be managed with multiple deductibles and cost sharing options. Their access to international doctors and hospitals is excellent.
Aetna International
Aetna International – With more than 160 years of experience in healthcare, Aetna has specialized in international benefits insurance for more than 55 years – with a growing global footprint to reach wherever you travel. They have been recognized with such prestigious awards as “Best International Private Health Insurance Provider” and “Health Insurer of the Year.” Free Aetna Quote / Apply. Aetna is a global brand and offers reasonable rates alongside excellent benefits and service.
Aetna Global Expat Health Cover
- Fortune 100 company with more than 800,000 members
- Access to Annual Health Exams & Medications
- Coverage for Covid-19, Ask about 20% Discount in May and June
Aetna International offers one plan for US and Canadian citizens, MHP, and another option for residents outside of the US and Canada, Pioneer. Both plans provide rich coverage and a high level of service. Aetna plans are not provided to international citizens residing in the USA and select other countries.
GeoBlue Global Medical
GeoBlue Global Medical – Designed for US citizens abroad or Internationals Residing in the USA. GeoBlue is an independent licensee of the Blue Cross Blue Shield Association and offers both short-term travel medical plans as well as long-term international plans. Blue Cross Blue Shield is a federation of 50 independent health insurance providers in the United States. GeoBlue is a trading name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross Blue Shield Association. GeoBlue Quote / Apply Links
Xplorer Worldwide Medical Plan
- Premium Benefits, Coverage and Service
- Define your deductible and prescription benefits
- For Foreigners in the US or US Citizens Abroad
The GeoBlue Xplorer plan is a premium plan available to US citizens living abroad and expats in the USA. Their base plans are more expensive than some other options but well worth the extra money when you get sick or injured. The premium level plans are priced the same, or less, than other plans with similar levels of cover.
Additional Best International Medical Insurance Companies
Now Health International offers quality medical insurance for internationals living abroad throughout the world. Their Now Health WorldCare Plan offers comprehensive benefits, including cover in the USA, for the discerning client. A more affordable option, as USA cover is excluded, is their SimpleCare Plan. Request a Now Health Quote
International Medical Group – IMG offers the widest range of products, from trip cancellation to long-term international medical plans (IMG Global Medical). For more than 20 years, IMG has provided international medical insurance, travel insurance, and affordable coverage to the international community insuring clients in more than 170 countries worldwide. Free IMG Quote / Apply
IntegraGlobal, a U.K. company that has service offices strategically placed worldwide in Europe, North America, and Asia, specializing in providing health plans to organizations and individuals with unique protection needs, such as expatriates, marine professionals, and specialized risks. IntegraGlobal’s goal is to develop unique international health plans that offer you outstanding protection, excellent value, and hands-on unbeatable personal service. Integra: Integra Quote / Apply Links
Allianz – One of the biggest insurance providers in the world, Allianz is a Germany company. Allianz Worldwide is the international division of Allianz Worldwide Partners and part of the Allianz Group. The company is well known for its international reach, and for providing international health insurance for employees. Free Quote / Apply
BUPA International Plan – Offers over 65 years of expertise and dedication to health. They have a global team of advisers and health experts who, between them, speak multiple languages – and a service that exceeds expectations. These are just a few of the things that make Bupa Global different. Explore how we provide you with world-class cover and stand apart from the rest. Free Quote / Apply
Specialty Travel Health Insurance Company
Seven Corners offers specialty travel health insurance plans that will cover emergency medical care while you are living abroad. The Liaison Travel Insurance plan is a high quality plan at a more affordable price as the coverage is not as comprehensive as the other plans listed above. In general, it is a good option for people who are maintaining their national health plan or are living abroad for shorter periods of time. Free Liaison Quote / Apply
Learn about options to cover you for one year or less: Travel Insurance Plans.
Also, consider Tokio Marine HCC MIS for Short-Term International Travel Insurance cover.
How to Compare the Best Global Insurance Companies
You are in luck! We have created a simple comparison and reviews of the best health international insurance in the world to assist in your research. We include 3 of the top insurance companies to keep it simple. You can compare other companies against these three to ensure they are compared on the same terms. The other considerations are the AM Best ratings of the providers.
Review and Compare your Options: Compare Health Insurance Plans
The companies listed in our comparison all have A or A- ratings from AM Best. You can do a search here: AM Best Rating Search.
Groups: We offer a wide range of International Group Plans for employees, non-profits, and organizations.
Health Insurers and Insurance Carrier Ratings
In recent years, market instability has made headlines and created financial uncertainty even among the largest companies. So the question arises, how do you know which plans are more financially stable than others?
Dating back to the early 1900s, independent rating agencies were established to evaluate the worthiness of financial instruments of railroad companies. Over the years, multiple rating agencies have developed a more extensive rating standard across various industries. Today, the leading rating agencies include Standard and Poor’s and AM Best.
Typically, these rating agencies use an alphabetical standard to identify which companies have extremely strong financial strength:
- AM Best uses a scale from A++ (Superior) down to F (Liquidation); According to AM Best, a company with a B+ (Good) or higher rating is classified as financially secure, while any lower rating is categorized as vulnerable.
- Standard and Poor’s uses a scale from AAA (Extremely Strong) down to CC (Extremely Weak); Standard & Poor’s requires that “all health care insurers in the secure range are expected to maintain at least ‘BBB’ level.”
This rating index is especially important as it will help ensure that your plan will have sufficient funds to pay any claims that you may incur. One of the most important functions of this system is that it also allows you can compare other insurance plans based on industry standards from independent agencies.
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Written by Joe Cronin. Joe Cronin is an expert in the areas of global health and international insurance, with specific expertise in advising individuals and groups on international health insurance plans. Follow Joe @Joe_Cronin_Jr
