Written by
John Spencer
John Spencer is the founder of Compare Expat Plans, where he focuses on helping people compare health plans for life abroad. He emphasizes clear information, neutral analysis, and practical decision support.
Our Top Picks
After reviewing dozens of international health insurance plans, here are our top recommendations for expats. Each plan has strengths for different situations. No single plan is "best" for everyone.
- Cigna Global: Good for families who want comprehensive coverage and a large provider network.
- Allianz Care: May work well if you move between countries often and want flexibility.
- Aetna International: Consider this if you need coverage that includes the United States.
- BUPA Global: Premium option with extensive benefits for those who want top-tier coverage.
- IMG Global: Budget-friendly choice with high-deductible options.
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What Is Expat Health Insurance?
Expat health insurance is designed for people who live outside their home country for extended periods. Unlike travel insurance, which covers short trips, expat plans provide ongoing medical coverage similar to what you might have had at home.
These plans typically cover doctor visits, hospital stays, prescriptions, and sometimes dental and vision care. Many plans also include medical evacuation if you need treatment in another country.
Things to consider:
- Where you plan to live and travel
- Whether you need US coverage
- Your budget for premiums and deductibles
- Pre-existing health conditions
- Whether you want maternity coverage
How We Evaluated
We looked at each plan based on factors that matter most to expats:
- Coverage areas: Where the plan works and any exclusions
- Network size: How easy it is to find doctors and hospitals
- Claims process: How straightforward it is to file and get reimbursed
- Customer service: Availability and helpfulness of support
- Price: Premium costs relative to coverage provided
- Flexibility: Options to customize coverage and deductibles
Quick Comparison
This table summarizes the key differences between plans. Prices shown are estimates and will vary based on your age, location, and coverage choices.
| Provider | Best For | Coverage Areas | Deductible Options | Starting Price |
|---|---|---|---|---|
| Cigna Global | Families | Worldwide | $0 - $10,000 | $150/mo |
| Allianz Care | Frequent Movers | Worldwide | $0 - $5,000 | $130/mo |
| Aetna International | US Expats | Worldwide + US | $250 - $5,000 | $180/mo |
| BUPA Global | Premium Coverage | Worldwide | $0 - $10,000 | $200/mo |
| IMG Global | Budget Conscious | Worldwide | $0 - $25,000 | $100/mo |
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Prices vary based on your age and needs. Compare actual quotes for your situation.
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Detailed Reviews
Cigna Global
Cigna Global offers comprehensive international coverage with a large network of doctors and hospitals. The plan is popular among expat families due to its maternity benefits and wellness programs.
What we like: Large global network, good customer service, online claims portal.
Things to consider: Premiums can be higher than competitors. US coverage adds significant cost.
Read our full Cigna Global review
Allianz Care
Allianz Care provides flexible international health plans with options to tailor coverage to your needs. The plan works well for people who move between countries frequently.
What we like: Flexible plan options, good coverage for mental health, strong in Europe.
Things to consider: Network may be smaller in some regions. Claims process can take time.
Read our full Allianz Care review
Aetna International
Aetna International is a strong choice for US citizens living abroad who want coverage that includes trips back to the United States.
What we like: Seamless US coverage, established network, health and wellness resources.
Things to consider: Higher premiums for US coverage. May not be ideal if you never visit the US.
Choosing the Right Plan
The right plan depends on your situation. Here are some guidelines:
- If you have a family: Cigna Global or BUPA Global may offer better family benefits.
- If you move often: Allianz Care's flexibility might suit you better.
- If you need US coverage: Aetna International handles US visits well.
- If you're on a budget: IMG Global's high-deductible plans cost less.
Still Not Sure?
Our comparison tool helps you narrow down options based on your needs.
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Common Questions
How much does expat health insurance cost?
Prices range from around $100 to $500+ per month depending on your age, coverage level, deductible, and whether you include US coverage. Younger applicants pay less. Higher deductibles lower your premium.
Can I get coverage with pre-existing conditions?
Many plans accept applicants with pre-existing conditions, though coverage for those conditions may be limited or excluded initially. Some plans offer full coverage after a waiting period. We recommend discussing this directly with providers.
What's the difference between expat insurance and travel insurance?
Travel insurance covers short trips and focuses on emergencies. Expat insurance is designed for people living abroad long-term and covers routine care, preventive services, and ongoing treatment like regular health insurance.
Learn more about the differences
Do I need insurance if my destination has public healthcare?
It depends. Some countries require private insurance for visa purposes. Even with access to public healthcare, private insurance can give you faster access to care, more choice of doctors, and coverage when traveling outside that country.
Disclaimer: This content is for informational purposes only. We are not insurance brokers or licensed agents. Coverage details, prices, and availability change. Always verify information directly with insurance providers before making decisions.
