International Health Insurance
International health insurance (or international medical insurance) is for those leaving their home country for more than a year. If you’re a U.S. citizen, this coverage is only available if you live outside the U.S. for more than six months each year and plan to leave the U.S. within 30 days. At renewal, you’ll need to be abroad again.
Foreign nationals coming to the U.S. should ideally apply before leaving their home or current country of residence, as it's more difficult to buy coverage once you're here. These plans typically do not cover pre-existing conditions but include:
- Hospital, doctor, and prescription charges
- Emergency medical evacuation
- Emergency reunion
- Common carrier accidental death and dismemberment (AD&D)
- Return of mortal remains
The plans below go through full underwriting, meaning you can be declined for coverage. ACA rules do not apply to these international plans.
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CIGNA Global Medical
CIGNA Global is a top-rated international health insurer, offering comprehensive plans sought after by executives, entrepreneurs, and expatriates.
IMG Global Medical
IMG’s Global Medical Insurance offers long-term, globally portable health coverage and is a strong favorite among expats and long-term travelers.
Azimuth Risk Solutions
Azimuth’s Meridian Basic & Enhanced plans require full underwriting. For easier access, the Meridian Clear plan works more like long-term travel insurance without health questions.
Other Options...
If you're more concerned about covering the cost of a specific trip, consider travel insurance, which includes some medical coverage. If your concern is accidental death, take a look at travel life insurance.