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The best international health insurance providers for expats include VUMI, Cigna Global, AXA, Allianz Care, Bupa Global, MSH International, GeoBlue, IMG Global, April International, and Now Health International. These companies consistently stand out for their wide coverage, flexible plan tiers, fast claims processing, and reliable global networks. They are trusted by expats seeking dependable medical protection while living or working abroad.
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Each provider offers unique benefits such as maternity coverage, mental health support, chronic condition management, and access to worldwide healthcare facilities. Many international health insurers for expats also include flexible plan tiers and global provider networks that enhance coverage. With options ranging from budget-friendly emergency plans to comprehensive packages with unlimited annual benefits, expats can compare choices easily through the Pacific Prime Guide, ensuring they select coverage tailored to their lifestyle, destination, and healthcare needs.
Global Health Insurance: 10 Providers for Expats
The ten best international health insurance companies are VUMI, Cigna Global, AXA, MSH International, GeoBlue, Allianz Care, IMG Global, April International, Now Health International, and BUPA Global.
VUMI International Health Insurance Plans
VIP Universal Insurance Group (VUMI) is one of the top international health insurance companies because of its direct billing options, flexible coverage options, hospital discounts, and in-house administration and customer service.
VUMI also stands apart from other expat health insurance providers because of its maternity insurance coverage. Its coverage limits tend to be higher than other maternity insurance plans, and the highest plan tier through VUMI includes coverage for infertility treatments.
VUMI has five different coverage tiers with their Global Flex VIP Plans for expats to choose from, including Basic, Standard, Superior, Ultra, and Total.
| VUMI Global Flex VIP Plan Coverage Limits | |
| Global Flex VIP Plan | Annual Benefit Limit |
| Basic | USD $3,000,000 |
| Standard | USD $3,500,000 |
| Superior | USD $4,000,000 |
| Ultra | USD $4,500,000 |
| Total | USD $5,000,000 |
Cigna Global Health Insurance Options
Cigna Global offers international health insurance policies for individuals, families, and expats. Cigna insurance is available in over 200 countries and territories. Customer support is available in more than 50 languages 24/7.
As one of the top health insurance companies, Cigna’s Platinum plan offers expats maternity insurance with coverage for infertility investigation and treatment as well as an unlimited annual benefit limit.
Cigna’s international medical insurance plan options range from their budget-friendly Close Care plan to their most comprehensive protection with the Platinum plan. For expats hoping to find a middle ground between monthly premiums and coverage, check out Cigna’s Silver and Gold plan options.
| Cigna Global Plan Coverage Limits | |
| Plan | Annual Benefit Limit |
| Close Care | USD $500,000 |
| Silver | USD $1,000,000 |
| Gold | USD $2,000,000 |
| Platinum | Unlimited |
AXA Global Healthcare Insurance Plans
AXA Global Healthcare is a popular international health insurance company because more than 80% of claims are paid to the client within 48 hours of all of the documentation being submitted. This health insurance company has five different levels of coverage for expats to choose from.
AXA’s Foundation plan is their budget-friendly coverage for emergencies. Their Prestige Plus provides the most comprehensive coverage and the highest annual benefit limit.
| AXA Global Coverage Limits Overview | |
| Plan | Annual Benefit Limit |
| Foundation | USD $160,000 |
| Standard | USD $1,600,000 |
| Comprehensive | USD $2,400,000 |
| Prestige | USD $3,200,000 |
| Prestige Plus | USD $8,000,000 |
Keep in mind that AXA does not provide pre-existing condition coverage for individuals or families on international health insurance plans.
MSH International Health Coverage
MSH International offers worldwide health insurance plans with individual and family coverage. Plans through MSH International come with a network of over one million medical providers worldwide. Coverage is provided in zones to optimize the price to quality for insurance.
MSH International offers four different tiers of coverage with their Hospi Plans: Quartz, Pearl, Sapphire, and Diamond.
Their most comprehensive tier, the Hospi Diamond Plan, offers full prescription drug coverage up to the total annual benefit limit, covers up to $5,000 in durable medical equipment annually, and provides coverage for preventative treatments and vaccines.
| MSH Hospi Plan Coverage Limits | |
| Hospi Plan | Annual Benefit Limit |
| Quartz | USD $625,000 |
| Pearl | USD $1,250,000 |
| Sapphire | USD $2,000,000 |
| Diamond | USD $3,750,000 |
GeoBlue Health Insurance for Expats
GeoBlue is one of the top health insurance companies for Americans living or working abroad. GeoBlue boasts one of the largest direct billing networks globally. Members also have free access to the Global TeleMD™ smartphone app.
Coverage is subject to underwriting, but GeoBlue offers some of the best international health and travel insurance for pre-existing condition coverage options for expats who qualify.
GeoBlue offers two plans: Xplorer Essential and Xplorer Premier. Xplorer Premier includes coverage within the United States for citizens for up to nine months of the year. An add-on for United States coverage for short trips home is available with the Xplorer Essential plan.
| GeoBlue Xplorer Plan Coverage Limits | |
| Xplorer Plan | Annual Benefit Limit |
| Essential | Unlimited |
| Premier | Unlimited |
Allianz Care Global Health Insurance
Allianz Care is one of the best international health insurance providers for expats because of its efficient claims processing and family-friendly insurance solutions. Allianz Care also provides an Expat Assistance Program (EAP).
Allianz Care’s Expat Assistance Program (EAP) includes access to the following:
- Counseling services for mental health and personal and professional needs
- Legal and financial assistance
- Child and elderly care
- Career services
- Nutrition counseling services
Allianz Care offers expats health insurance with three different plans with different levels of coverage: the Care Plan, the Care Plus Plan, and the Care Pro Plan. The Care Pro Plan is Allianz’s most comprehensive level of coverage.
| Allianz Care Plan Coverage Limits | |
| Plan | Annual Benefit Limit |
| Care Plan | USD $2,500,000 |
| Care Plus Plan | USD $4,000,000 |
| Care Pro Plan | USD $5,000,000 |
IMG Global Health Insurance Options
IMG Global offers international health insurance plans with flexible options for coverage. Its plans include coverage for prescription drugs and quality member support. Riders are available on IMG plans for vision, dental, term life insurance, and more.
As one of the top health insurance companies, IMG’s plans come in four different levels of coverage: Bronze, Silver, Gold, and Platinum. IMG Global’s most comprehensive plan, the Platinum Plan, offers maternity insurance benefits.
| IMG Global Coverage Limits | |
| Plan | Annual Benefit Limit |
| Bronze | USD $1,000,000 |
| Silver | USD $5,000,000 |
| Gold | USD $5,000,000 |
| Platinum | USD $8,000,000 |
April International Health Insurance Plans
April International is one of the top health insurance companies for expatriates from outside the United States. The company offers free and unlimited telehealth to its members, no upfront hospital costs, and paperless reimbursement for medical claims in the app.
April International plans include five levels of coverage ranging from emergency-only coverage to comprehensive medical expense coverage with unlimited annual benefits.
| April International Coverage Limits | |
| Plan | Annual Benefit Limit |
| Emergency Plan | € 250,000 |
| Formule Basic | € 500,000 |
| Essential | € 1,000,000 |
| Comfort | Unlimited |
| Premium | Unlimited |
Now Health International Insurance Options
Now Health International is one of the top international health insurance providers because of its hassle-free online or in-app claims filing. This company also offers seven different levels of coverage for unbeatable customization.
The insurance plans through Now Health International include policies with their SimpleCare plans and their WorldCare plans. In general, SimpleCare plans offer budget-friendly premiums with stricter coverage limits, and WorldCare plans offer more comprehensive medical coverage.
| Now Health Plan Coverage Limits | ||
| Plan and Coverage Level | Annual Benefit Limit | |
| SimpleCare Plans | Simple Care Core | USD $1,000,000 |
| Simple Care 100 | USD $1,500,000 | |
| Simple Care 250 | USD $1,500,000 | |
| WorldCare Plans | Essential | USD $3,000,000 |
| Advance | USD $3,500,000 | |
| Excel | USD $4,000,000 | |
| Apex | USD $4,500,000 | |
Bupa Global Health Insurance Plans
Bupa Global is one of the best international health insurance providers because members are free to seek second medical opinions, and there are no referrals required to see specialists. Bupa also offers members a lifetime renewal option.
International medical insurance from Bupa Global is available in four different levels of coverage. There are basic plans to more comprehensive wellness plans. The Major Medical plan is a basic option that provides coverage for sudden and unexpected emergencies and major medical expenses only.
| Bupa Global Coverage Limits | |
| Plan | Annual Benefit Limit |
| Major Medical | Roughly USD $3,174,200 |
| Select | Roughly USD $1,587,100 |
| Premier | Roughly USD $2,380,600 |
| Elite | Roughly USD $4,761,300 |
Compare International Insurance Quotes with Brokers
Expats are always free to purchase health insurance plans directly from the company, but purchasing a plan through a reputable insurance broker has benefits. Insurance brokers help you find and compare quotes from top health insurance companies without costing you an extra cent.
Insurance brokers are partnered with multiple insurance companies, so they will suggest plans that make the most sense for you. Working with an insurance company’s agent means you will only get quotes from one company, and it may not be the best price available.
Pacific Prime has more than 20 years of experience in the insurance industry. We’re always happy to help expats and their families find international health insurance for their adventures. Contact us online or by calling toll-free 1-800-868-1451.
Group and Corporate Health Insurance Plans
Group and Corporate international health insurance plans are also available. To learn more about plans for larger groups, contact an insurance broker like Pacific Prime. Group plans come with more flexibility for pre-existing conditions and other insurance benefits.
International Health Insurance FAQs
What is the best international travel insurance company?
The best international travel insurance offers medical coverage while you travel abroad. Find a company that can cover you. Companies may be limited by citizenship or travel destination. Insurance brokers can help you secure a good travel insurance deal.
What is the cost of international health insurance on average?
The cost of international health insurance for a family ranges on average from USD $3,954 in Thailand to $9,817 in the United States annually for an individual. Prices vary depending on the area of coverage and how comprehensive the plan is.
Do domestic health insurance plans cover people internationally?
Most domestic health insurance plans do not cover policyholders internationally. Travelers should secure a travel insurance policy with adequate coverage. Expatriates should purchase an international health insurance policy for medical coverage abroad.
Which country has the most expensive healthcare?
The United States has the most expensive healthcare due to wasteful systems, rising medication costs, medical professional salaries, profit-driven healthcare centers, types of medical practices, and health-related pricing.
Conclusion
In conclusion, the best international health insurance company for you depends on where you are from and where you are headed. Some fantastic insurance companies are limited in what regions and specific citizenships they can cover. Using an online quote generator is a great way to compare.
As a leading international health insurance broker, Pacific Prime has over two decades of matching both expats and local citizens to a health insurance plan that matches both their budget range and unique healthcare needs.
Whether you’re an expat living overseas or a local citizen yourself, our team of specialists will be more than happy to help you out. And if you have any further questions, please get in touch with us.
After obtaining his Bachelor’s Degree in Social Sciences, International Relations from Mahidol University International College, Veerabhatr has forged his career as a content writer in the travel, lifestyle, and real estate industries, writing in both English and Thai. He now continues to hone his skills as a writer at Pacific Prime, looking to engage and educate the audience by simplifying insurance.
Writer by day, and a DJ by night, Veerabhatr is a staunch music lover, and listens to all spectrums of genres available. He also loves to drink beer (moderately), eat all types of food, go to the beach, and learn about different cultures across the globe. He is also a die-hard fan of football and motorsports.
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