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Expat Travel Insurance: The 5 Best Options for Globetrotters

expat travel health insurance

Travelex Insurance Services »

expat travel health insurance

Allianz Travel Insurance »

expat travel health insurance

World Nomads Travel Insurance »

expat travel health insurance

GeoBlue »

expat travel health insurance

IMG Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Expat Travel Insurance Options.

Table of Contents

  • Rating Details
  • Travelex Insurance Services
  • Allianz Travel Insurance

Americans living abroad for all or even part of the year have a different set of considerations when it comes to finding a travel insurance plan. For example, expats may not need coverage for the same issues as people taking regular vacations, such as trip cancellations and interruptions, trip delays, and lost or delayed baggage. Instead, expats often primarily need health insurance or medical insurance for travel that works both at home and abroad, as well as coverage for emergency medical evacuation.

That said, not all travel insurance companies cover preexisting conditions within their trip insurance plans for expats. Further, some insurance providers limit coverage in a traveler's home country, especially for those who would normally reside in the United States. That's why, ultimately, U.S. citizens living abroad need to compare health plans that can work when they're away based on their coverage options, limitations and costs. Read on to find out which expat insurance plans U.S. News recommends and what each plan has to offer.

  • Travelex Insurance Services: Best Premium Coverage for Expats
  • Allianz Travel Insurance: Best for Comprehensive Coverage
  • World Nomads Travel Insurance: Best for Adventure Travelers
  • GeoBlue: Best for Medical-Only Coverage
  • IMG Travel Insurance: Best Travel Health Insurance for Seniors

Best Expat Travel Insurance Options in Detail

Kids-included pricing

Preexisting conditions coverage available

Coverage can be expensive

  • Trip cancellation coverage worth up to 100% of the trip cost (maximum of $50,000)
  • Trip interruption coverage worth up to 150% of the trip cost (maximum of $75,000)
  • Travel delay coverage worth up to $2,000
  • Missed connection coverage worth up to $750
  • Emergency medical coverage worth up to $50,000 (dental limit of $500)
  • Emergency medical evacuation and repatriation coverage worth up to $500,000
  • Baggage and personal effects coverage worth up to $1,000
  • Baggage delay coverage worth up to $200 (12-hour delay required)
  • Sporting equipment delay coverage worth up to $200 (24-hour delay required)
  • Accidental death and dismemberment coverage worth up to $25,000

Includes a range of comprehensive travel insurance benefits

Coverage can be purchased on an annual basis

Annual plan coverage lasts for trips of up to 45 days at a time

  • Trip cancellation coverage worth up to $3,000
  • Trip interruption coverage up to $3,000
  • Emergency medical coverage up to $20,000
  • Emergency medical transportation insurance up to $100,000
  • Baggage loss and damage coverage up to $1,000
  • Baggage delay coverage up to $200
  • Travel delay coverage up to $600
  • Rental car damage and theft coverage up to $45,000
  • Travel accident coverage up to $25,000

150-plus adventure sports are covered

Choose the level of protection you need

Preexisting conditions typically not covered

  • $10,000 in insurance for trip cancellations
  • $100,000 in coverage for emergency medical expenses
  • $500,000 in coverage for emergency medical evacuation
  • $3,000 in protection for your bags and gear

Get comprehensive travel health insurance that works anywhere in the world

Customize your policy to suit your unique needs

Comes without coverage for trip cancellations, baggage and more

Travel medical coverage can be extended for up to 12 months

Limits can be high based on age and other factors

Deductibles of up to $2,500 can apply

No ongoing coverage for preexisting medical conditions

  • Up to $250,000 in protection for emergency medical evacuations
  • Prescription drug coverage
  • Up to $50,000 in coverage for repatriation of remains
  • Up to $50,000 in protection for political evacuations

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering personal finance, travel and insurance topics for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, which has led to her having personal experience navigating the claims and reimbursement process. Johnson works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family business.

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International Travel Insurance

Flexible International Travel Insurance policies covering all nationalities, travelling almost anywhere in the world. You can purchase travel insurance for a specific single trip or, for total flexibility, an annual policy that covers you for any trip you take abroad, regardless of how often you travel.

expat travel health insurance

Plan Options

Our International Travel Insurance Plans

With a core International Travel Insurance policy, additional policy options and destination tailoring, you can adapt cover and premiums to provide you with exactly the right travel insurance solution for your needs.

Medical Evacuation

This is the core policy option, which provides the important medical cover against the high cost of medical treatment and emergency medical evacuations.

  • Emergency medical treatment
  • Accidental medical treatment
  • Emergency medical evacuation
  • Repatriation

Enhanced Benefits

Optional protection against additional losses to property, personal liability, and accidents that you may suffer whilst travelling abroad.

  • Baggage delays and loss
  • Money and documents
  • Travel delays
  • Non-medical evacuation

Cancellation & Curtailment Cover

Optional cover to protect you in the event that your trip is unexpectedly cancelled, or you are forced to return home early.

  • Trip cancellation
  • Returning home early
  • Compassionate repatriation
  • Treatment & evacuation

Policy Benefits

Key Benefits of our International Travel Insurance Policies

Discover more about our Travel Insurance policy benefits, put in place to protect you against unforeseen and unexpected events when you’re overseas. Depending on the policy you select we can help you with medical, financial, and logistical issues.

Emergency Medical Evacuation

Travel Insurance with us covers charges for emergency evacuation when treatment is not available locally and deemed necessary. You will be moved to a suitable location based on the expertise of medical advisors and your attending physician. You will be safe in the knowledge that you will receive the treatment you need in a safe and appropriate location.

Emergency & Accidental Medical Treatment

Falling ill or becoming injured overseas can be daunting prospect, especially in rural or lesser developed locations. Furthermore, language can often be a hurdle that many without the correct insurance cover have to navigate. Travel Insurance is in place to give you peace of mind that whatever happens, you will receive the expert care and treatment you need.

Enhanced Benefits & Protection

We offer a core Travel Insurance policy, to which you can add different benefits. This puts policy flexibility in your hands, allowing you to choose the Travel Insurance you need. This optional level of protection also covers you against the additional losses to property, personal liability, and accidents that you may suffer whilst travelling abroad.

Travel insurance cancellation and curtailment provides cover should you need to cancel your trip before you depart or cut your time overseas short. Reasons can include everything medical, including sickness, serious injury, or death. On the opposite side, cover can also include (but is not limited to) strikes, industrial action, redundancy, or your travel operator collapsing.

Medical Insurance

International Travel Insurance to Suit You

Whilst Expatriate Group offer a core Travel Insurance policy with different add-on benefits, we also offer different types of specialist cover which may be better suited to your travel insurance needs.

Comprehensive Cover

  • Travel Medical Insurance

Cover for up to $/€/£1,000,000 for emergency and accidental medical treatment whilst you’re abroad. Just choose between single trip or annual trip cover so that you’re protected on your travels.

expat travel health insurance

  • Instant last minute cover
  • Comprehensive cover
  • Single or annual policy
  • Emergency transport

Suited for Flexibility

Non-Resident Travel Insurance

Expatriate Group Travel Insurance for non-residents is designed for people who reside outside of their country of nationality. Additional enhanced benefit options are available to add to your package.

expat travel health insurance

  • Cover for EU or EEA residents
  • Flexible cover up to 180 days
  • One-off premium payment
  • Comprehensive protection

Outbound Cover

  • One Way Travel Insurance

Do you need insurance to cover to a single outbound trip? Our standard travel insurance policy can be tailored to cover just one-way travel for expats and travellers alike to any global destination.

expat travel health insurance

  • One trip travel insurance
  • Covered from departure to destination
  • Max duration 180 days

Unexpected Circumstances

  • Single Trip Travel Insurance

From valuable medical cover to vital cancellation cover, our single trip insurance policies ensure that you’re protected against unexpected circumstances. The ideal solution if you want to cover a specific trip overseas.

Single Trip Insurance

expat travel health insurance

  • Covered from purchase to return home
  • Medical cover
  • Cancellation cover
  • Protected against unforeseen scenarios

Unlimited Cover

Annual Travel Insurance

Save time and money when you’re going on holiday or a business excursion with Annual Multi-Trip Insurance. It takes the stress away from having to search, compare and purchase a new policy every time you travel.

expat travel health insurance

  • European or worldwide cover
  • Cover every time you travel
  • Destination tailoring
  • Flexible travel insurance

Working Abroad

  • Business Travel Insurance

Travelling for work requires the same level of travel insurance as any other trip. International Business Travel Insurance will cover you should your travel plans suffer, from missing your flights to losing your laptop.

expat travel health insurance

  • Single or annual business cover
  • Europe or worldwide
  • Laptop travel insurance
  • Cancellation & curtailment

The Benefit Schedule

The benefit schedule is a summary of travel cover and must be read in conjunction with the policy wording . All coverages and plan costs listed in this schedule of benefits are in Euros, dollars, and pounds. All benefits will be reimbursed at Usual, Customary and Reasonable (UCR) charges where applicable. Amounts shown are the maximum per policy and period of cover, except where otherwise stated.

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International Travel Insurance FAQs

Who can i cover with my travel insurance policy.

You can include cover for up to 10 people in your Travel Insurance quote . Infants aged 14 days up to the age of two are included in the coverage of an insured parent or guardian for no additional premium, but they must be declared at the time of initial purchase.

What types of International Travel Insurance can I take out?

We offer six different types of travel insurance here at Expatriate Group to ensure that you are covered no matter how you’re travelling.

The type of travel you choose will depend on where you’re going, how long for and what you want to be covered for.

We have expat insurance policies for:

  • Annual Multi Trip Travel Insurance
  • Non UK Resident Travel Insurance
  • International Health Insurance

We also offer a cashless health insurance solution for corporate customers.

Will I be covered for day trips, excursions, and holidays with multiple destinations?

When going on holiday you will be covered for general leisure sports and activities that are detailed in the leisure chart provided when purchasing your policy.

Extreme sports, such as sky diving, scuba diving, white water rafting and more will require an additional level of cover and will need to be communicated when requesting your Travel Insurance quote .

If you are planning on visiting another country during your holiday, you will need to include these details when purchasing your insurance policy.

How much will my Travel Insurance policy cost?

The total of your travel insurance policy will depend on a number of factors such as; age, destination, holiday duration, activities, and pre-existing medical conditions.

We tailor each policy according to your specific needs. To find out how much travel insurance will cost you, get a Travel Insurance quote today.

Can I get Travel Insurance cover with a pre-existing medical condition?

You will only be covered for pre-existing medical conditions that you declare when purchasing your policy. If you fall ill from a pre-existing condition that you have not declared, you will not be covered and will most likely be unsuccessful in your  claim .

I don’t live in the UK, can I still buy an Expatriate Group Travel Insurance policy?

Yes, we offer  Travel Insurance for Non-UK Residents .

How long can I travel for?

When taking out a  Worldwide Single Trip Insurance and  One-Way Trip  policy your trip must not exceed 180 days and may not be combined with any other policy to exceed this limit.

If you’re purchasing an  Annual Multi Trip Insurance policy your holiday must not exceed 90 days in total.

If you require insurance for a longer period of time, International Health Insurance may be the ideal choice, particularly if you are moving abroad.

Am I eligble to purchase your travel insurance?

We are able to insure:

Single Trip Policy: A Single Trip Policy can be purchased before the Insured Person obtains age 72;

Annual Multi-Trip: An Annual Trip Policy can be purchased before the Insured Person obtains age 71. This Policy will not be renewable at the anniversary date;

provided that you are departing from and returning to the same country (or have a defined destination country of one-way trip) and you are not travelling to a country/region where the UK FCO advises against ( www.gov.uk/foreign-travel-advice ).

Is your expat travel insurance worldwide?

Yes, our policies have an option to provide cover in Europe only or Worldwide. The Europe only option is cheaper than the world wide option and allows some customer to tailor the product to their own travel plans.

Did you know that we offer a variety of Travel Insurance products to best suit your needs? Check out our  Annual Travel Insurance ,  Business Travel Insurance ,  Single Trip Travel Insurance ,  One Way Travel Insurance ,  Travel Insurance for Non-UK Residents and  Travel Medical Insurance .

What is my country of residence?

Your country of residence is whichever country you are travelling from (and usually back to, unless you have purchased a one-way trip policy) regardless of your immigration or nationality status. This is the country to where you will be returned in the event of a repatriation claim.

Can I purchase a travel policy for a child travelling alone?

Yes, provided that the child is at least 5 years old.

Do I need to declare pre-existing conditions such as diatbetes, high blood pressure or hypothyroidism?

No. As we do not provide cover for pre-existing medical conditions, we do not need to know about them except in the event of a claim.

What does ‘pre-existing medical condition’ mean?

A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication, whether diagnosed or undiagnosed, or have experienced symptoms of, prior to purchasing this policy.

If I need to be repatriated, which country will I be taken to?

You will be repatriated to the country that you nominate as your country of residence. However, repatriation to a different country can be considered upon request if the cost is equitable, if it doesn’t affect your health/medical outcome and if you have access to healthcare in such a country.

What does your travel insurance policy cover?

Our basic policy provides cover for emergency medical treatment, not related to any pre-existing medical conditions, and repatriation, up to the value of Euro 1 million.

If you wish to include cover for additional benefits such as personal belongings, luggage or travel delay, you will need to purchase Add On Option 1. To include Cancellation & curtailment of your trip you will need to purchase Add On Option 2.

Should I choose worldwide or European cover?

European cover should be selected if your destination country, or countries, is within the continent of Europe. The countries listed as Europe can be seen in the question mark display button next to destination when getting a quote.

Worldwide cover should be selected if the country of your destination is not listed as being within Europe.

How many countries can I visit on a single trip policy?

You can visit as many countries as you wish within the period of cover and your selected destination area.

Where can I explore expat travel insurance?

Our main  expat travel insurance  web page provides you with the plan details and also allows you to get an instant quote for your cover. If you’re happy with the plan benefits and premium, you can buy online too!

Is your policy wording available in all languages?

Although our plans are available to all nationalities living anywhere in the world, the contract wording is only currently provided in English language. Therefore please ensure that you are fully conversant with English language before purchasing one of our plans.

Latest Worldwide Expat News

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Travel Medical Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

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International health insurance.

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

Travel Insurance

Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

Enterprise Services

Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

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Your travelers can access 24/7 global support should they need medical attention, travel assistance, or medical transport services.

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Rest assured knowing you have an experienced team who is committed to reducing your costs, moving your files forward, and serving as an international resource for all your work injury claims.

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Keep your travelers safe, no matter where they are, with real-time alerts and intelligence on safety, health, political, and other global risks.

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International Health and Travel Insurance Offerings from IMG

IMG is an award-winning global benefits and assistance services company and one of the only companies in the market to offer travel medical, international health, and travel insurance plans. Get a quote now and choose the right plan for your next trip:

Travel Medical Insurance protects you in the event of an illness or injury while traveling outside of your home country.

Travel Insurance protects you from financial losses should your trip be delayed, interrupted, or cancelled. It also includes coverage for medical expenses while abroad.

International Health Insurance provides medical coverage for individuals and families living abroad (or away from their home country) and includes benefits such as preventive care, routine check-ups, and treatment for illnesses and injuries.

Travel Insurance Questions Answered

How to choose the best travel protection plan for you, the cost of increased flight delays & cancellations: how travel insurance can help, is travel insurance worth it, select why you are away from home., get plan recommendations and helpful resources., government services, give us a call, have any questions we’re here to help you, 866-263-0669.

You can find more information on health, travel, tourism, and insurance on our blog, Global Connect.

  • "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance." Joan D. United States

" I took comfort in the fact that IMG had my back. "

While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.

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  • Health Insurance

Health Insurance for Expats

Allianz Care offers the best health insurance for expats

expat travel health insurance

Health insurance for expats provides medical coverage for those living outside the United States. Like typical U.S. plans, expatriate health insurance requires a monthly premium, and has deductibles and limitations on what’s covered. To find the best health insurance for expats, we looked at a variety of factors across 14 companies, such as premiums for the plan’s base coverage, provider network, plan add-ons, reimbursement vs. doctor-direct payments, and more.

  • Best Overall, Best Global Network: Allianz Care
  • Best for Pre-Existing Conditions: IMG
  • Best for English-Speaking Doctors: GeoBlue
  • Best for Comprehensive Coverage: Cigna Global
  • Our Top Picks

Allianz Care

  • Cigna Global
  • See More (1)
  • Do I Need Expat Health Insurance
  • What Is Expat Health Insurance?
  • Popular Companies

Methodology

Best overall , best global network : allianz care.

Aetna International/Allianz Care has a vast international network of medical providers, quick turnaround time for claims, and offers three different plans with a variety of add-on features.

Network of over 1.3 million medical providers

48-hour turnaround time on medical claims

Can add outpatient, dental, maternity, and repatriation coverage

Three plan levels

Competitive pricing

Not all pre-existing conditions will be covered

Treatment guarantee penalties can apply

Allianz Worldwide Care is an international health care insurance company with over 1.3 million medical providers. While the base plans are primarily focused on covering inpatient care, the rates are competitive and you can add on additional coverage. Additionally, the insurer has quick turnaround times for claims. On the downside, if pre-treatment notification is required but not fulfilled, it can limit your coverage. Fortunately, emergencies are exempt from the requirement, but should be reported within 48 hours.

Aetna/Allianz’s base plan without a deductible for up to $2.5 million in coverage was $179 a month for a 35-year-old U.S. resident living in Mexico.

When choosing a plan, you can add up to four different coverages: maternity, dental, outpatient, and repatriation. The monthly premium for these add-ons ranges from $11 to $106 for a 35-year-old living in Mexico.

Best for Pre-Existing Conditions : IMG

IMG’s plans cover pre-existing conditions once you’ve had a plan for 24 months, making it a good choice for those who have existing health issues and plan on staying abroad for more than two years.

Global network of 800,000 doctors and hospitals

Will cover pre-existing conditions after 24 months of continuous coverage on some plans

Wide range of coverage across four plans

Optional life insurance add-on

No $0 deductible option

Expensive transaction fees if you opt for monthly premium payments (up 20% of total)

Platinum plans get expensive

The International Medical Group (IMG) has a global network of 800,000 doctors and hospitals, which falls in the middle of the pack among competitors. IMG’s greatest strength is that it’s one of the few insurers that’ll cover pre-existing conditions after two years of continuous coverage. However, IMG charges hefty transaction fees if you pay your premiums monthly, and comprehensive coverage is restricted to the pricy top-tier plans (which include coverage for maternity, preventative, dental, and vision care, along with other perks).

IMG’s base plan with the lowest possible deductible ($250) and up to $5 million in annual coverage was $248.30 a month for a 35-year-old living in Mexico.

Vision coverage is available as a rider you can add to your policy.

Best for English-Speaking Doctors : GeoBlue

GeoBlue’s network includes verified English-speaking doctors, which is a big help for those who don’t speak the language of the country they're in or don’t have confidence in their ability to communicate health issues in a foreign language. 

Network of vetted English-speaking doctors in over 190 countries

GeoBlue doctors bill GeoBlue directly so no claim filing is required for policyholders

Plans include primary and preventative care

Vision and dental add-ons are available

Unlimited medical maximum limits

Plans won’t cover pre-existing conditions treated in the preceding 180 days (unless you have proof of previous coverage)

Members must have coverage for 364 days before they are eligible for maternity coverage

Base $0 deductible plan without U.S. coverage is expensive

GeoBlue’s standout perk is that it has a network of vetted English-speaking doctors, direct billing, and preventative care benefits. However, GeoBlue’s plans are expensive, and because it limits its doctors to English speakers, its network is much smaller than those offered by competitors like Allianz Care and IMG.  

GeoBlue’s base plan with unlimited annual coverage and no deductible was $476 per month for a 35-year-old U.S. resident living in Mexico.

You can add a prescription drug and dental/vision upgrade to your plan. 

Best for Comprehensive Coverage : Cigna Global

Unlike some competitors, all of Cigna’s plans provide a high base level of coverage, including outpatient and preventative care.

Network of more than 400,000 medical providers outside of the U.S.

Access to providers in more than 200 countries

Comprehensive coverage on standard plans

Global assignment length requirements 

Plans are more expensive than competitors

Cigna Global Health has a global network of over 1 million doctors and hospitals, with more than 400,000 in countries outside of the U.S. The standard coverage is comprehensive, including inpatient, outpatient, preventative, pregnancy, mental illness, and substance abuse care, along with other benefits. 

Cigna Global’s plan without a deductible, with 0% cost share and a $1 million annual limit was $259.98 per month for a 35-year-old U.S. resident living in Mexico.

Cigna lets you add an outpatient rider to your plan. 

Do I Need Health Insurance for Expats?

If you want help covering the costs of your medical expenses while living abroad then, yes, you’ll need international health insurance for expats. It may also be required by the government of your destination country. For example, Portugal requires expats to carry valid health insurance that covers necessary medical expenses such as urgent care and repatriation.

While it’s not always required, expat health coverage is usually a good idea. It helps to ensure that you can get quality medical attention in a variety of scenarios at an affordable price. For example, in the unfortunate case that you’re involved in a serious car accident and need emergency care, it will often help to cover the costs of your hospital stay, any required surgeries, rehabilitation, and repatriation (if necessary). 

Further, if you were to develop a serious illness like cancer, health insurance can help to cover the costs of chemotherapy or radiation therapy, specialist visits, lab tests, and other care you would need. 

What Is Health Insurance for Expats?

Health insurance for expats refers to the health insurance plans that help cover the costs of medical services abroad (and in the U.S., for some plans). It’s comparable to the coverage you would have from a health insurance provider in the U.S.—you can access emergency assistance, private hospitals, doctors, nurses, and prescription medications in foreign countries, and your insurance will help to cover the costs, in many cases. 

Note that expatriate health insurance is different from travel insurance . Travel insurance is designed for people taking shorter-term trips versus living abroad long-term. 

How Does Health Insurance for Expats Work? 

Here’s a look at the cornerstones of expat health insurance from policy limits and coverage areas to pricing. 

Maximum Limits

Each plan will have a maximum annual plan benefit which is the most the plan will pay out during the annual policy period. Additionally, the plans often have dollar limits on specific benefits (e.g. rehabilitation treatment, nursing at home, and accidental death ). These limits may be on a "per event" or "per year" basis. 

Some insurance providers do offer unlimited coverage, although it’s more of an exception than the rule.  

Beyond the policy dollar limits, the benefits included in expat health insurance policies will vary. For example, a higher-tier plan may cover preventative care while a lower-tier one doesn’t. Further, some insurers may cover vision care while others don’t. The availability of add-on plans like outpatient, maternity, and dental coverage can also vary depending on the provider, policy, and applicant. 

Coverage Areas

Insurers may offer various coverage area options. For example, Allianz Care offers worldwide coverage plus worldwide coverage excluding the U.S. and coverage for Africa only. The coverage area you choose will impact your pricing. 

Once you find the expat health insurance policy with the right benefits and coverage for your situation, a quote can help you understand the costs. When reviewing quotes, look for the annual and monthly premium prices, deductible options, annual plan limit, and coinsurance or copays that will apply. You can often choose a deductible amount which will lower your premium.

Medical Providers

When it comes to medical providers and facilities, expat health insurers typically have established networks. When you use providers from your insurer’s network, it often comes with perks like seamless billing. That said, most companies will let you choose any medical provider you want as long as they’re licensed and operate in a covered country.

The way your insurer covers your bills can vary. In some cases, you’ll be required to pay the medical provider upfront and submit the bill to your insurer to get reimbursed. In other cases, you may need to notify your insurer about a medical service before your appointment so they can coordinate with the medical provider and settle the bill directly. 

You may need to give your insurer a specific amount of notice to get a bill covered upfront—such as five days notice before seeking care.  

The specifics of expat health insurance plans can vary greatly from one provider to the next. While the common terms and conditions have been covered here, be sure to read the fine print from the companies you consider. 

What Does Health Insurance for Expats Cover?

The coverage provided through health insurance for expats varies from one provider to the next. However, all the plans we reviewed included inpatient services—care that requires you to be admitted and spend at least one night at a hospital or other type of medical facility. Beyond that, insurers vary in their offerings of benefits like outpatient care, preventative care, vision, dental, maternity care, life insurance, and more. Some offer multiple plans with varying levels of benefits, while others offer base plans with add-on coverage packages. 

Health Insurance for Expats Cost

Costs for expatriate health insurance (without U.S. coverage) are most influenced by your age and level of coverage. To give an idea of how costs vary, we collected quotes for both 35- and 65-year-old U.S. residents living in Mexico. 

35-Year-Old Expat

Monthly premiums ranged from $179 per month up to $476 per month for a 35-year old U.S. resident living in Mexico, based on our research. But cost can swing widely depending on the features you choose. 

For example, the Allianz basic plan (Care Core) costs $179 per month for a 35-year-old and has an annual maximum benefit of $2,500,000. On the other hand, an Elite Xplorer Essential plan from GeoBlue costs up to $476 per month, but has an unlimited annual maximum benefit and covers emergency outpatient care (the Care Core plan from Allianz does not). Both plans have a $0 deductible. 

You may also choose to increase your benefits by adding coverage. Allianz priced add-on coverages as follows:

  • Maternity coverage : From $66 per month
  • Outpatient coverage : From $106 per month
  • Dental plans : From $76 per month
  • Repatriation plans : From $11 per month

65-Year-Old Expat

If you’re a 65-year-old U.S. resident moving to Mexico, Allianz Care’s plans start at $583 per month with a $0 deductible and 2.5 million annual maximum benefit. An Elite Explorer Essential plan from GeoBlue costs up to $2,312 per month. It also has a $0 deductible, but provides an unlimited annual benefit and covers emergency outpatient care. Prices are precipitously more expensive the older you are because insurance companies expect you to more frequently use your plan. 

Allianz priced add-on coverages for a 65-year-old as follows:

  • Maternity coverage : Not available
  • Outpatient coverage : From $308 per month

Popular Health Insurance Companies for Expats

Now, let’s take a look at some of the most popular health insurance companies for expats. 

We evaluated 14 expat health insurance providers on a range of criteria to determine the best health insurance for expats. Criteria include: the provider’s network, claim turnaround time, extra benefits (such as dental, vision, maternity, and repatriation coverage), customization level of plans, pre-existing conditions coverage, deductible options, fees, doctor-direct payments or reimbursement, annual maximums, pre-approval requirements, and cost.

Frequently Asked Questions

How much does expat insurance cost.

The cost of expat health insurance can vary greatly depending on your age, coverage area, benefits, deductible amount, and maximum limits. In our research, the monthly premium costs for plans with a $0 deductible ranged from $197 to $904.

Can I Get U.S. Health Insurance If I Live Abroad?

Yes, you can get U.S. health insurance if you live abroad. Many expat insurance providers offer coverage in the U.S. as well as in foreign countries. However, when plans include coverage in the U.S., they are more expensive.

Do Expats Need U.S. Health Insurance?

Expats are not required to carry U.S. health insurance. While it was previously mandatory for Americans who spent at least 36 days in the U.S. during a given calendar year, that requirement ended in 2018.

What Does Expat Health Insurance Cover?

Expat health insurance can help to cover the costs of medical services in foreign countries. It often covers inpatient care including hospital stays, physician visits, surgeries, lab tests, physical therapy, transplants, and more. Additionally, some insurers offer coverage for outpatient care, preventative care, dental, vision, and more.

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Portugal Department of Foreign Affairs. “ Residency .”

Allianz Care. “ FAQ: Getting Treatment .”

Cigna Healthcare. “ What Is Inpatient vs. Outpatient Care? ”

Healthcare.gov. “ Health Coverage Exemptions: Forms & How To Apply .”

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Global expat insurance explained

International expat health insurance can give you and your family access to quality medical care wherever you are in the world.

There are many reasons why we might pack up and find greener pastures abroad. Some may make the move to pursue attractive new roles overseas. Others yet may desire a new pace of life or personal adventure.

So, whether work has taken you abroad or you’re moving your family for a new lease of life, you’re likely to have to consider a variety of new issues in your destination.

One such topic will be your healthcare. Not everywhere has a healthcare system like the one you’ll be used to. Ensuring you can protect the health of you and your loved ones and that you can access the local system is likely to be one of the first items on your new home to-do list.

Learn more about how health insurance works for expats and what a policy covers so you can jump into life abroad with both feet.

What is global expat health insurance?

If you’re an expat living abroad, international expat health insurance can give you extensive medical cover wherever you are in the world. International health insurance is different from travel insurance , as it can help cover the cost of both routine and emergency medical care while you live outside your country of citizenship.

Different countries have different types of healthcare systems, including those financed by taxes, employment, or via an out-of-pocket system paid for by the consumer. Depending on which country you live in abroad, it may even be a legal requirement for expats to have health insurance.

It’s key to understand exactly how you’ll be able to access healthcare services should you need them, and how much it could cost if you weren’t insured. This is where international expat health insurance excels, opening the door to a high standard of healthcare no matter where you are. Expat health insurance is an inclusive safety net for you and your family to live your life abroad without restriction.

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How does expat medical insurance work?

International expat health insurance works by limiting how much you would otherwise have to pay for expensive medical care abroad. Here’s how it will typically look when you arrange for services and make a claim:

You’ll find and sign up for a health plan that fits your needs.

Then, when you need treatment or health services, you’ll contact your insurer.

They’ll liaise with good quality healthcare providers near you to arrange guarantee of payment and check that the treatment is covered by your policy.

You’ll use the medical facilities, whether it’s a hospital or a clinic.

Your insurer will either pay your medical provider directly , reimburse your provider via an invoice, or you may be reimbursed after paying the costs yourself.

The regular upkeep and terms of your health insurance can vary depending on the provider and the plan you choose. This is often how health insurance works in a nutshell:

You’ll pay a premium, which is usually a monthly fee to keep up your insurance plan.

You may have a deductible. This is a sum of money that you would have to contribute to medical services each year before your health plan helps to pay. You can often choose how much you’d like this to be, which can influence the cost of your premiums.

After you meet your deductible, you’ll share the costs with your health plan. This is called ‘coinsurance’ , where you’ll agree to pay a share of eligible costs that equal 100 percent. For instance, your coinsurance contribution could be 20 percent, which means your health plan would cover the other 80 percent of your medical services.

Routine care usually costs nothing. Compared to the large fees it could cost if you had to pay for services abroad on your own, preventative healthcare is often covered for you. This may include medical services such as check-ups, flu shots, children’s vaccinations and some types of wellness screenings.

Some plans may require copayments. Depending on your insurance plan, this is a flat fee you might have to pay at the time of your medical visit or when you pick up a prescription. Copays cover your portion of the cost of the medical care.

What does international health insurance cover?

You can often customise your health insurance plan with a range of optional benefits. What you pay for yourself and what your insurance will cover can depend on various factors, such as :

Whether you’ve met your yearly deductible

What percentage your coinsurance is

If you’re getting more affordable care from in-network healthcare providers

The type of health service or treatment

Your health insurance plan may include:

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Dental cover can help you pay for regular preventative appointments and check-ups. It can also help reduce the cost of more serious treatments while living abroad.

Emergency treatment

Plans can vary, but most health plans don’t require you to visit in-network emergency rooms. Your insurance plan may cover some of the cost of an ambulance ride, though you’ll have to check your agreed terms.

You may also have the option to visit urgent care centres rather than the ER.

Hospital stays

Essential hospital stays are often included in core healthcare plans , which may include hospital accommodation, as well as surgeon and consultation fees.

Preventative visits

Annual check-ups are usually covered when you visit in-network care services. This can include adults and children.

Vaccinations

Some health insurance plans may cover 100 percent of the cost of annual and child vaccinations.

Non-preventative visits

When something feels wrong  and you need to visit a doctor, this is considered non-preventative care . So, that’s anything that isn’t a routine visit and may require a medical diagnosis.

Usually, you may get a reduced rate when you visit in-network doctors and consultants. Your plan will help pay for these once you meet your deductible.

The cost of lab work from in-network medical providers will usually be lower than going elsewhere.

Virtual care

Some insurance providers also include virtual care services , which can give you 24/7 access to licensed doctors and dentists for minor health issues. It can also help connect you to mental health practitioners.

Who is international health insurance for?

International health insurance is for anyone working and living abroad for an extended period, or where your employer does not provide health insurance as part of your contract. Professionals, families and students can benefit from health insurance for expats, giving access to worldwide healthcare at the drop of a hat.

Working expats . If you’ve moved countries for work and you’re not yet a legal resident or citizen.

Digital nomads. If you travel from place to place while working remotely or as a freelancer.

Seasonal worker. If you’re in short-term employment abroad and wish to access a broad range of high-quality healthcare.

Students . Get international coverage while studying abroad.

Retirees . Enjoy peace of mind with international healthcare wherever you settle down for retirement.

Healthcare standards are known to vary widely in different countries. When you move abroad, medical treatment may be different compared to what you’re used to from home. It may be less convenient too.

What’s more, as foreign nationals, you and your household are not likely to be entitled to any free or subsidised healthcare. Expat health insurance can help bridge the gap.

How much is international expat insurance?

The cost of international expat insurance can differ based on your individual needs, as well as a few other influencing factors:

Age. Usually, the older you are, the more likely you are to need healthcare services, which can affect your premiums.

Medical history. Your personal health will be accounted for in the cost of your insurance plan, which may or may not include pre-existing conditions.

Level of cover. Naturally, the more coverage you need, the more it may cost.

Benefits included. Adding extra benefits to your plan can help make it more comprehensive, but it may add to the cost.

Location. Depending on where you live or work abroad, health insurance can be more expensive in some countries than others.

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How to get international expat insurance?

The application process for securing international expat insurance can vary depending on the provider. You’ll often be asked to provide your:

Date of birth

Nationality

Medical history

This will then be repeated for any family members you wish to include on your health plan.

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Get global care on demand wherever the adventure lies with Cigna Healthcare.

Start your free no obligation quote today.

Live life to the full overseas and learn more about expat health insurance with our Cigna Healthcare blog .

Are expat insurance and travel insurance the same thing?

Expat health insurance and travel insurance are not the same. Expat insurance can give you medical cover for a long period of time when you’re living or working abroad. Travel insurance can give you emergency cover for short trips away.

Do I need expat health insurance abroad?

Expat health insurance is an important consideration when it comes to spending long periods of time abroad. You’ll need to make sure you can access medical care should you need it, including affordable emergency services. Expat health insurance can make sure you receive the best possible healthcare to take care of your needs.

Can I get medical care abroad?

When you sign up for international expat health insurance, your insurance provider can connect you to quality health and medical services nearby as part of your service package. Cigna Healthcare is part of a global organisation with unrivalled support in more than 200 markets worldwide.

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Expat Health Insurance Plans- Understanding Your Medical Coverage Options Abroad

For US citizens and other expats living abroad, understanding your international healthcare coverage options is complex. Do you need Expat health insurance, Public Insurance, Private Insurance, or Travel insurance? This article breaks down the different types of medical coverage options so you can make an informed decision. minutes

  Mins Reading Time

About the author

Hi, I'm Marco Sison . I worked in finance for Fortune 50 companies before retiring early at 41 years old. I have been an expat for over 10 years, living in over 50 countries to show you the best ways to save, invest, and live in amazing countries outside the USA. I am a trusted resource on personal finance and overseas retirement for US News & World Reports, HuffPost, MSN Money, USA Today, ABC Network, Yahoo Finance, Best Life, Association of MBAs, and the iTunes documentary Seeking FIRE.

QUICK SUMMARY- expatriate health plans

  • Expats can choose from public, private, or travel insurance policies to cover their healthcare overseas.
  • If eligible, expats with access to public plans receive low-cost or sometimes free healthcare.  
  • International health insurance are private plans  specifically designed to offer unique coverage and benefits for expats. 
  • For most full-time expats, travel medical provides insufficient coverage and requires maintaining home health insurance.
  • Trip insurance is not recommended as medical coverage for expats. 

I've been an overseas expat for the last 8 years. I understand the complicated administrative details of an international move —  from visas to travel plans, living costs, and, ultimately, expatriate health insurance. Aside from rent, your choice of an expat health insurance plan can be the most expensive decision you make.

For US citizens and other expats living abroad, understanding your international healthcare coverage options can get complicated. Do you need Expat health insurance, Public Insurance, Private Insurance, or Travel insurance? Can I choose which country I get medical treatment? Does expat medical insurance cover me when I travel to another country?

I understand that choosing an international expat insurance plan can be daunting. Don't worry; I've got you covered. 

This article cuts through the insurance jargon to explain your options in simple English. I'll give an overview of the various types of insurance, the kind of expat they are best for, and breakdown your overseas medical coverage options so you can make an informed decision. 

This post may contain affiliate links. I may get a commission if you purchase something using my link. Please note, there is NO ADDITIONAL COST to you. For more information, please see my  disclosure .

Click here to get free quotes from multiple international insurance brokers to compare prices and save time. 

What Is expat insurance?

This specialized insurance helps cover the costs of medical care if you become sick or injured overseas. Expat health plans provide comprehensive medical benefits, including routine treatments like broken bones and doctor visits to more serious hospitalization and surgery, like a knee replacement operation.

Some plans also provide coverage for prescription drugs, maternity care, mental health services, and catastrophic major medical cases like cancer treatment.  

Other more expensive plans even include medical evacuation services for treatment to a country of your choice. 

International Medical Insurance is specially designed to provide unique protection expats require like medical evacuation and repatriation. 

My Recommended Expat Health Insurance Partners

Cigna global medical insurance plan.

  • Perfect for expats who need need comprehensive protection and 24/7 service.
  • An international network with over 1.65 million trusted hospitals and doctors.
  • All plans include mental health and cancer care.

Xplorer Worldwide Medical Plan

  • Ideal for older expats or expat families who need a comprehensive benefits
  • Premium Benefits, Extensive Coverage and Quality Member Service
  • International health insurance that covers you inside and outside the USA

IMG Global Medical Plan

  • Excellent for expats looking for an affordable global plan with the flexibility
  • Your choice of plan options, geographic area, and deductibles
  • Enjoy preventative care with no waiting period on wellness benefits

William Russell International Health Insurance Plan

  • Perfect for expats who need customized care and don't visit the United States
  • Get complete coverage for inpatient care including full cancer treatments
  • Global coverage with a very strong network in SE Asia

For more international health insurance options, read my article on the  Best Expat Insurance Companies  and find out which company is the cheapest, which provides the best claims service, and which insurance company to avoid.

Other Guides On Expat Insurance

A comprehensive guide to philippines health insurance for expats, 24 facts about healthcare in the philippines every expat must know, how to get health insurance in colombia as a foreigner, why travel medical insurance coverage isn’t enough for expats abroad, cigna expat insurance- best global health plans for living abroad, affordable international health insurance for us citizens living overseas, 10 common mistakes expats make buying health insurance for living abroad, 20 facts about healthcare in colombia every expat must know, choosing an international health plan- checklist for buying expat insurance coverage.

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Why a global expat policy is essential:

No matter where you are in the world, the average healthcare costs are soaring. Getting caught with an uncovered catastrophic major medical emergency like cancer treatment without an international medical plan to protect you can be financially devastating. One insurer paid the following  claims for expats injured overseas.  

  • China: Insurance paid $232,000 USD-  An expat suffered a brain hemorrhage while on a cruise and had to be medically evacuated by air ambulance.
  • Thailand: Insurance paid $159,000 USD- Then an expat slipped and fell in the bathroom and fractured their spine. 
  • Turkey: Insurance paid $103,000 USD-  When an expat suffered a heart attack in Turkey.

Aside from the financial impacts, not having an international policy can be life-threatening. Comprehensive global healthcare coverage is critical in countries with inferior hospitals or when you are not covered by your host country's public health insurance. 

For example, as a retiree in the Philippines you can buy into the country's public plan for less than $350 per year. However, the public plan only provides access to public hospitals. Especially in rural areas, the quality standards of public hospital would make most expats shiver. 

International health insurance for expats provides vital peace of mind and comfort when your family is halfway around the world in a country where you may not speak the language. 

How to get a global policy:

There are a few different ways to get expat health insurance abroad . You can purchase a private plan from an insurance broker, obtain a policy through your employer, or get coverage through government-sponsored public insurance.

What to look for in a global policy:

Choosing an expat health insurance policy is about balancing the level of coverage you need with your health care budget. Your policy's costs are represented in monthly premiums that vary dramatically based on coverage level. 

It's important to consider how your expat policy covers:

  • Your current health -  Does the policy cover pre-existing conditions?
  • Your future plans  - For example, are you planning on starting a family and needing maternity coverage?
  • Your lifestyle -   Do you participate in high-risk sports? Do you have a lot of international travel planned?

What is the cost of expat health insurance coverage?

Some policies start as low as $100 per month, but the average cost of health insurance for an expat is $3,700 per year and a high-end plans can top $8,000.

Several factors affect the cost of health insurance for expats, including the country you live in, your age, previous medical history, and the type of coverage you need.

  • Your location significantly factors into the cost of expat health insurance. Expect to pay more for overseas healthcare moving to a country with a higher cost of living.
  • An immutable fact is that you will need more healthcare as you get older. Global insurance companies consider this trend and will  charge more for the same policy coverage as you age.  
  • Your medical history will impact your costs, as many plans have pre-existing condition exclusions for medical issues you already have. Expat plans that will cover you charge extra to cover these conditions.   
  • Most global policies have the same baseline level of coverage. The more   you  increase your coverage to include additional options  like prescription drugs, vision benefits, or other add-ons, the more your monthly premiums increase. 

Read my article on How-To Save On Your Expat Health Insurance Cost for detailed tips on how to save money on your insurance premiums. 

Do I need an expat health insurance plan?

Yes. You may be surprised to learn that your home country's health insurance may not cover you or your family for the treatment of medical conditions while overseas. Expat insurance steps in to save you from crippling medical bills and ensures you get quality medical treatment.

Living outside your home country without comprehensive expatriate medical insurance increases your risks of devastating hospital bills, long wait times, inexperienced doctors, and crowded emergency rooms. 

Read this article on "Choosing An International Health Plan" for my checklist to follow when buying expat medical coverage .

Compare quotes from different expat medical insurance companies within 60 Seconds

Nomadic FIRE has partnered with the most trusted international insurance brokers in the world . Trained to meet the specific needs of expats and digital nomads living or traveling abroad. They provide enhanced service responding in 24 hours or less to all of your questions.

Click here to find the FREE estimates from top global insurers to find the best plan right for you.

Public Insurance- The Most Affordable Health Insurance For Expats 

When moving to another country , you may have multiple medical coverage choices. Some countries offer public plans  to   access a government-subsidized public health care system, which can significantly reduce the cost of expat health care.

Will public insurance cover me as an expat?

Countries with free public insurance or universal healthcare that may be available to expats. Photo Credit

As public insurance is primarily paid for by taxes, some countries may restrict foreigners' access to public health insurance. However, other countries provide public insurance for expats under specific conditions.

  • Suppose you most likely relocate for work in a country with a public insurance system. In that case, you may be automatically registered and pay monthly contributions into the country's public insurance, offering you access to free or low-cost hospital treatment.
  • However, expats not employed by a local company, such as retirees or remote workers, will need to "buy in to" the public plan. A buy-in is usually a large one-time payment to access a foreign country's public healthcare system.
  • Some countries may also have a waiting period. During the waiting period, foreign expats must pay monthly insurance premiums into the host country's public system but cannot receive any services or access any medical treatments until a pre-determined period has passed.

While these conditions to access a public insurance system cost money, foreigners receive access to low-cost, or in some cases free, expat healthcare coverage.

I've compiled a " Health Insurance Terms and Definitions Explained " list to help you understand the many forms of international medical insurance available and make the best decision. 

What Is The Difference Between Public Insurance And Universal Healthcare?

While easily confused, there are big differences. Universal healthcare covers every citizen or resident. Public insurance may limit coverage by age or income. For example, Medicare and Medicaid are considered public insurance. Still, they are only available if you are low-income, disabled, a child, or over 65.

Universal health coverage  refers to a government-funded health care system that provides basic medical care to every citizen or resident of a country without regard to the ability to pay.

Public health insurance  is government-subsidized medical coverage paid for by taxes. In some instances, public insurance limits eligibility by income or age. ACA coverage ("Obama-care") is an example of public health insurance that is limited by income. 

All universal healthcare is considered public insurance. However, since public plans can restrict access, not all public insurance is considered universal healthcare. 

Countries With Universal Healthcare Where Eligible Expats Get Low Cost Or Free Healthcare

North america, south america, middle east, pros and cons for expats using public insurance vs. private insurance.

Advantages for expats using public insurance

  • Less expensive than private insurance
  • Can include maternity, psychiatric, and wellness care, which are considered optional in private plans

Disadvantages for expats relying on public insurance

  • Typically does not cover things like private hospital rooms or elective procedures
  • Foreigners may only be eligible under certain conditions
  • Limited to a geographic coverage

  INSIDER TIP   : Expat health insurance plans are designed to cover the unique needs of people who live and work in foreign countries, such as evacuation and repatriation coverage. These additional benefits are valuable if you are stuck in a foreign country during a natural disaster or political unrest. Two years ago, during the height of the pandemic, when expats were stuck overseas , expats without repatriation coverage paid $10,000 to get a flight back home .

Private Insurance- Comprehensive Health Insurance For Expats- 

On the other hand, private insurance is a for-profit health care system managed by private insurance companies, with treatment administered at private hospitals. Private health insurance is typically funded by individuals or their employers. Expat health insurance is a type of private insurance. 

Working expats may negotiate private insurance coverage as part of their expat compensation package. Expat retirees or remote freelancers pay the entire cost of a private plan out-of-pocket. 

Luckily, most international private insurance have 3-5 plan levels (bronze, silver, gold, platinum) to fit different budgets. A bronze or value plan could be ideal for younger expats who don't have many health concerns and just need coverage for major medical emergencies. A platinum of comprehensive plan would be better suited to expat families or older retirees with more extensive healthcare needs.  

Is an international private insurance plan worth the cost?

The additional cost of international private insurance comes with the benefit of access to better private hospitals and clinics, private rooms, and more attentive and potentially English-speaking staff and doctors. You'll also find less waiting time for appointments, especially for minor sicknesses or routine procedures. 

In addition to a wider section of doctors and hospitals, private insurance provides substantial benefits not available with public healthcare. Depending on your expatriate health plan coverage, you may optionally obtain medical treatment in another country where specialists are better trained or equipped. Some expatriate health coverage even allows you to fly back to your come coverage for medical care and still be covered by the medical insurance policy.

The Advantages and Disadvantages Of Expat Private Insurance

Pros of expat health insurance plans

  • Better access to healthcare, especially if you are living in a country with a less developed healthcare system
  • Choose from a broader range of private hospitals and doctors
  • Less waiting times for doctor's appointments and access to benefits
  • A wider range of benefits (medical concierge, telemedicine, etc.)
  • Coverage when you are traveling or if you move to a new country

Cons of expat health insurance plans

  • Generally more expensive than local public insurance plans. You can expect increased rates, higher deductibles, more co-pays, and potentially additional co-insurance.
  • Pre-existing medical conditions may not be covered depending on the plan and results of underwriting.
  • As the costs of medical care can be much higher in foreign countries than in the insured's home country, expat insurance plans have higher prices.

  INSIDER TIP   : Combine Public Healthcare With Private Insurance- In countries with low-cost healthcare, you can combine the best of both worlds. Use public health coverage for expensive treatments, but purchase a private insurance policy when public hospitals are overcrowded, or your medical treatment isn't serious, but you want to see a doctor immediately.

Travel Medical Plans- A Limited Type Of Health Insurance For Expats 

Sprain your ankle while trekking to Machu Pichu or get a case of Bangkok Belly from suspicious street food? As mentioned, your home country's insurance will not cover you overseas. A travel medical policy takes care of you.

Affordable Travel Medical Insurance Starting At $50 per Month

This will cover you for unexpected medical issues while overseas. However, the coverage requires you to maintain insurance in the United States or your respective home country.

This plan also meets foreign government requirements mandating COVID insurance to enter the country. 

Similar to expatriate health plans, travel medical plans are specifically designed to cover you outside your home country. However, there are significant differences.

  • Duration- Travel health insurance is usually meant for short-term, limited-duration trips. Some travel health issuers cover long-term travel for up to 24 months. However, many policies limit your coverage to no longer than 60-days. 
  • Home Health Insurance Requirement- Most notably, travel health insurance only supplements your home country's insurance. Maintaining your national health insurance or purchasing additional, comprehensive private insurance are conditions for travel insurance. Many medical insurance providers will not even sell you a travel insurance policy unless you provide proof of insurance in your country of residence.
  • Trip Insurance Features - Some travel plans are bundled with trip insurance to reimburse expenses due to missed flights, lost luggage coverage, canceled tours, or delayed connecting flights. 

What is the difference between expat medical insurance and travel medical insurance?

While Travel Insurance can cover medical treatment, the level of coverage is inadequate for most expats

Both qualify as an international health insurance policy. However, travel medical has significantly less coverage, is primarily used for emergency treatment, may only cover short-term trips abroad, may exclude pre-existing conditions, and does not cover routine examinations or preventative medicine. 

Travel medical is a more affordable option because it requires you to have insurance in your country of residence. This requirement is an essential distinction because travel medical insurers can make a life-altering decision if you need serious medical care.

  • Pay for your medical treatment in your current country. Or, if it is cheaper for the insurer, they can
  • Pay for a medical evacuation flight back home and have you and your home insurance pay for any medical treatment required. 

Travel medical insurers will always take the cheaper option regardless of what is better for you.

Additionally, travel medical coverage typically includes sickness and emergency treatment but not routine examination or preventive medicine. If you catch yellow fever from a mosquito bite, your travel medical policy covers you. But if you want a vaccine to prevent catching yellow fever in the first place, then you are not covered. Insurance logic is not always logical. 

In contrast, a comprehensive expatriate health insurance plan is similar to the "normal" medical insurance coverage you are familiar with at home. Medical insurance for expats covers inpatient hospital service and emergency medical costs, routine doctor visits, vaccinations, annual preventative exams, pregnancy, and cancer treatments. It can even include prescription medications, vision and dental care.

Expat health plans do not require you to maintain insurance at home, and in some cases, expat health plans cover you for short trips back home to visit. 

Why I don't recommend international trip insurance for expats moving abroad?

Most trip insurance does not cover you for health issues or medical emergencies while abroad.  Trip insurance is only a limited form of travel insurance policy for reimbursing non-refundable deposits or travel expenses if a trip cancellation or interruption occurs. 

Trip insurance protects you if the airlines lose your bags, your flight is delayed, or you must cancel your trip because of illness. In these cases, trip insurance may reimburse your pre-payments or additional expenses you incur. However, if you slice your foot on coral while swimming, trip insurance will not cover your emergency room visit for stitches.  

While an international travel insurance plan may make sense for digital nomads and some expats, I don't recommend trip insurance to anyone.

The Benefits of International Expat Insurance

Comprehensive expat medical insurance can include maternity care coverage

Generally, medical insurance for expats can include:

  • Access to quality healthcare facilities
  • Preventive care, such as routine checkups and vaccinations
  • Inpatient and outpatient medical coverage, including hospitalization, surgery, emergency care, and limited prescription drugs
  • Freedom to choose your medical providers from a wide range of doctors, medical facilities, and network of hospitals
  • Worldwide coverage can include your country of origin; however, coverage for the United States is usually reserved for only the most expensive plans (a few select countries are excluded)

Comprehensive Plan

  • 24/7 health advice via phone, video, or chat from any device with internet access
  • Emergency evacuation and repatriation flights
  • Enhanced Prescription benefits
  • Wellness checkups
  • Adult preventative care
  • Cancer treatment and oncology health insurance
  • Dental benefits
  • Maternity and birth coverage
  • Vision coverage
  • Mental health assistance and substance abuse treatment
  • Flexible plan payments in the currency of your choice

Not covered in most plans:

  • Care that is not medically necessary, such as cosmetic surgery
  • Experimental treatments or procedures
  • Long-term care (such as nursing home care)

  INSIDER TIP   : Pay attention to the fine print-   Read the insurance contract and policy documents thoroughly. Even with basic plans, the benefits and levels of cover can vary significantly between different expatriate health insurance issuers. Plan options can change dramatically even when comparing international health plans from the same issuer. Ensure you understand the policy. Google any words you don't understand. I provided a Health Insurance Terms and Definitions Explained to help you decode your plan documents.

Some Little-Known Advantages of Expatriate Health Insurance Plans

The main advantage is that you have easy access to healthcare anywhere in the world and the benefit of choosing your clinic or doctor without having to worry about the different regulations or administrative procedures of certain countries. However, depending on your lifestyle and budget, these add-ons can be crucial for expats overseas.

  • Expat health insurance can include wellness benefits. Benefits such as gym memberships and free health screenings can help you maintain your health while living abroad.
  • Mental healthcare coverage is another vital benefit of expat health insurance. Many people struggle with adjusting to life in a new country and having access to mental healthcare can be a lifesaver.
  • Some expat health insurance plans also cover repatriation costs. Repatriation drops your anxiety and stress levels by returning you home to be with friends and family during your medical treatment.
  • Another benefit of expat health insurance is that it can often be used to supplement public insurance. This hybrid approach is ideal in countries where you are uncomfortable with the quality of healthcare services in public hospitals. You can use a cheap or free public hospital facility for primary wellness care. But trust your global medical insurance plan for any serious medical treatment.

  INSIDER TIP   : Direct payment of medical expenses-  An overlooked additional benefit is many expatriate health insurance plans offer direct billing. Many hospitals in developing countries can refuse to treat you without a cash deposit for medical expenses. Direct billing pays the cost of hospital treatment directly, avoiding the need for a cash deposit. Try figuring out how to find an ATM after getting into a motorbike accident or arranging a cash advance from your credit card after getting a concussion bungee jumping. Imagine badly needing medical attention in a foreign hospital's emergency room, in a strange country, without the support of family or local friends. Having an English-speaking international health insurance company you can talk to and pay medical costs directly can make all the difference in the world.

A Few Details to Consider Before Choosing An Expatriate Insurance Plan

  • Before selecting your expatriate health insurance, you should carefully analyze your existing situation — your health status, medical history, current location, length of time overseas, and family status are all aspects that will influence which coverage best meets your needs.
  • When examining your insurance alternatives, you should also evaluate any limitations per country — some insurers only offer particular types of benefits inside their own borders due to pre-existing conditions, legislative restrictions, or limited provider networks available internationally.
  • Keep in mind that even though you might have full medical coverage at home, most domestic insurance companies do not offer plans abroad, so it's safer to choose and pay for one of the expatriate health insurance plans for your own security.
  • Cost is not the only factor. Choose an expat health insurance provider with global expertise and a solid reputation of customer service and member support among customers and experts.
  • Choose a plan sufficient enough to cover the needs of your family and partner. Consult with them before choosing an expat insurance plan. Their gender, lifestyle, and medical history are crucial considerations and can sway plan options. 

Key Takeaway: Expat Health Care Options

There is no shortage of options for medical insurance for foreigners. Some public plans are free but come at the cost of long wait times and limit treatment to a narrow selection of doctors and hospitals. Some travel medical plans are cheap but skimp on the coverage and force you to buy home insurance. 

Expat medical insurance provides peace of mind while protecting you and your family when living abroad. By providing coverage for routine healthcare needs and more severe hospitalization and surgery, international health insurance is essential for expats living overseas. With the right plan, you can be sure that you and your loved ones are covered while living in any country in the world.

When choosing an expat insurance plan, know that it is not just about finding the lowest-cost policy that fits your needs. It's also about ensuring that you get a company that will provide you with stability and security.

How can you ensure which expat insurance plan is best for you? Narrow down your options and  request a free quote for the best global health care plans available on the market! 

If you liked this story, you will enjoy these other posts on expat health insurance

Faqs: overseas health insurance for expats, is an international health insurance policy required if i live abroad.

It depends on your destination. Some countries like Spain and Croatia want to ensure you will not burden their public healthcare system. These countries require a certificate of insurance as part of your visa application. Other countries require COVID insurance for anyone entering the country.

Can US expats abroad use Obamacare for health insurance?

No. The Affordable Care Act (ACA), also known as Obamacare, does not cover US citizens for medical treatments outside the United States .

However, some states impose a tax penalty on US citizens and legal residents for not having ACA qualified health insurance . This penalty includes any expats living abroad unless they meet certain exceptions.

  • If you can pass the IRS Bona Fide Residence or Physical Presence test as a full-time expat (roughly defined as a US citizen who lives at least 330 days outside the US) or 
  • If you have a qualified international medical plan, you may be clear of the ACA requirement.

Note that trip insurance, travel medical insurance, any short-term health insurance, and even some expat health plans are not ACA-qualified plans. All medical insurance for expats must provide Minimum Essential Coverage to exempt you from the ACA requirement.

Does US Medicare include overseas coverage for Expats?

No, Medicare will not cover any medical expenses for US citizens outside the US, except for travel to Puerto Rico, US Virgin Islands, Guam, the Northern Mariana Islands, and American Samoa. They're rare exceptions if you are in the US, but the closest medical facility is in a foreign country.

Examples of when Medicare might cover expat medical care in a foreign country:

  • If you need emergency medical care while in the US near the Canadian or Mexican border and the closest hospital is in a foreign country (Canada or Mexico).
  • If you need specialized treatment, but where you live in the US is closer to a foreign hospital than the nearest US hospital. 
  •  If you are traveling from the US to Alaska and require emergency medical treatment and the nearest hospital is in Canada.

Are there age restrictions on expatriate medical insurance plans?

It depends. Some expat plans have an upper age limit. Other plans have a maximum age limit of 70 years for new applications but allow unlimited renewals with no maximum age. Age limits vary by the expat policy and by the international health insurance provider.

Click here to see if you qualify for a Global Medical Policy .

Can I just use travel insurance for healthcare while living abroad?

No, travel medical insurance does not provide sufficient healthcare coverage for most expats living abroad. Travel insurance does not cover routine checkups or preventative care. However, the biggest drawback of travel medical is the requirement to maintain health insurance in your home country.

This requirement is because a travel medical insurance company can decide to fly you home and have your home country's insurance pay for your medical treatment. This can leave you vulnerable to significant costs and challenges in returning home.

Which is the best international health insurance plan for expats?

The best international health plan depends on your needs and budget. Value plans  suit younger expats not intending to see a doctor often.  Comprehensive plans  are ideal for older expats with health issues.  Travel Medical plans are only recommended for expats maintaining their home insurance.

Hi, That's me. I'm Marco Sison . I am a survivor of the corporate rat race. I started Nomad FIRE to show you an alternative to the stress and grind of 70-hour weeks to pay off a mortgage, student loans, and countless bills. After getting laid off in 2015, I said screw it all and retired early at 41 years old. I have traveled the last five years to over 40 countries to show you the best ways to save, invest , and live in amazing countries for 70% less cost than the US. I have been featured in: US News & World Reports, Huffington Post, MSN Money, USA Today, ABC Network, Yahoo Finance, Best Life, CW Network, Dr. Wealth, and others. [view press...]

Hi Marco, i made a list of cities in Europe i’d like to retire. the question I have is how to compare the level of medical service in each of those cities, and how to estimate medical expenses . Any suggestions? Best, Teo

There is a quick way and a hard way. Quick will get you directionally correct, while hard will be more accurate.

The difficult part is making things apples to apples. In the US, insurance is only one part of the cost, as most plans have deductible, copay, and coinsurance. Some plans in Europe are one payment for everything. For example, my private insurance policy in Spain was $60 per month, no copay and no deductible. For a quick comparison, I would get a two quotes for international health insurance from here .

1) Worldwide coverage including the US (which will be very expensive) 2) Worldwide coverage excluding the US (will make your health insurance over 50% cheaper )

If you want to get more specific, I would use healthcare.gov to get online ACA health insurance quotes for each US city.

The other part is comparing quality of care, because not every hospital in every city has the same quality of doctors and equipment. To be honest, I’ve never looked for that granule of detail.

FYI, I lived in most of the cities you have listed in the Balkans. This is one of my favorite regions of the world. Good luck in your search.

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Storyteller Travel

5 Best Travel Insurance Options (For Expats and Travelers)

By: Author Bryan Haines

Posted on Last updated: October 16, 2023

Categories Adventure Gear , Travel Resources

How do I choose good travel insurance? This is a question we get asked all the time. Which provider is best? How can I get coverage as an expat? In this post, you’ll learn about the best travel insurance for travelers and expats traveling abroad.

Expat travel insurance

When we moved to Ecuador we lost eligibility to buy travel insurance from Canada.

The providers we contacted all stipulated that we must be Canadian residents. In researching other providers, this seems to be pretty common. Like all expats, we lost residency in our home country when we settled in our new one.

In this post, we share providers that will insure expats living abroad. 

Some insurance providers have an age restriction (there are maximum ages depending on the country of residence). This is an issue for many travelers and expats. So for the past two days, I’ve been researching travel insurance for expats.

Here’s what I discovered.

Expat travel insurance for Ecuador

Table of Contents

3 Best Options for Expat Travel Insurance

If you want to save the time of reading the full post, you can check out these top three providers:

  • Atlas Travel Insurance  
  • World Nomads
  • SafetyWing Valid for travelers from 15 days old to 69 years old. This insurer is different than the others – you don’t have to pre-purchase the full policy before traveling. Just set up the subscription – renewable in 4-week increments. This is popular with digital nomads who travel to multiple countries.

Expat travel insurance

1. Atlas Travel Insurance

expat travel health insurance

Requirements:  you must be at least  14 days old  and  traveling outside of your home country .

What is your country of residence?  If you are a US citizen, your home country is always the United States (regardless of residency issues). For all non-US citizens, your home country is where you principally reside and receive regular mail.

6 Benefits of Insuring with  Atlas Travel

  • Adventure Sports:  Most travel insurance policies exclude adventure and sport activities from coverage. Things like zip-lining and scuba diving aren’t covered with most policies. With Atlas Travel you are covered for a wide variety adventure sports. Find the list of excluded sports here .
  • Global Coverage:  Receive medical care in a foreign country. This can reduce/eliminate paying out-of-pocket while abroad.
  • Emergency Medical Evacuation / Emergency Reunion:  For return to your home country in the case of potential loss of life or limb. Emergency Reunion will bring an immediate family member to you – to either stay with you or help you return home.
  • Return of Minors:  In case of your hospitalization, your children are covered to return back to your home country.
  • Common features such as:  Accidental death and dismemberment, repatriation of remains, natural disaster, and terrorism coverage.
  • Online Account Management:  Gone are the days of paper policies. Purchase your policy, manage your account and submit claims online.

Learn more about Atlas Travel  insurance

2. World Nomads

Things you should know about world nomads.

  • World Nomads travel insurance has been designed by travelers for travelers. If you leave home without travel insurance or your policy runs out, you can buy or extend while on the road.
  • Considering travel insurance for your trip? World Nomads offers coverage for more than 150 adventure activities as well as emergency medical, lost luggage, trip cancellation and more.

expat travel health insurance

3. SafetyWing

safetywing logo

SafetyWing is different than traditional travel insurance. It is an insurer created by digital nomads – for, you guessed it, other digital nomads.

Once you purchase your policy, you can auto-renew in 4-week increments while you travel .

Of course, you can also purchase for a specific number of days.

safetywing travel insurance

There is good coverage for medical and travel – including lost luggage, trip interruption and delay, emergency medical evacuation. Medical coverage includes hospital, ICU, ambulance, emergency dental, and more. See details below.

  • Medical Coverage includes hospital, intensive care, ambulance, urgent care (with $50 co-payment), physical therapy and chiropractic care, and emergency dental. Other eligible medical expenses are covered to the overall maximum limit. With SafetyWing, you pay just $250 deductible with a $250,000 maximum limit. Of course, any of these details are subject to change. Please check directly with SafetyWing to confirm their current coverage and limitations. 
  • Travel Coverage includes trip interruption, trip delay, lost checked luggage, emergency medical evacuation (up to $100,000 lifetime), political evacuation, natural disaster coverage, and more. Please check directly with SafetyWing to confirm their current coverage and limitations. 

As with most travel insurance, they exclude high-risk sports, pre-existing disease and injury, and cancer treatment.

Get a quote with SafetyWing

I haven’t traveled with them yet, but I’m planning to give them a try on my next trip. I like the subscription model. And it looks less expensive than other companies I’ve gotten quotes from.

travel-insurance-options-expats

So there you have it. Some travel insurance options. When you are traveling abroad there is an increased risk of a fall or another easy injury. Without insurance, you could be looking at a very large bill.

Please note: This post is not an offer to sell insurance but a listing of the possible options. Please confirm all details with the insurance company before making any purchase or travel decisions. Details and specifics can (and do) change quickly and without notice. If you notice an error in this post, please comment below and I’ll update it. 

What insurance provider have you used? What company/policy do you recommend?

  • About the Author
  • Latest Posts

expat travel health insurance

Hi, I’m Bryan Haines . And I’m a co-founder of Storyteller.Travel . I’m a traveler and photographer.

I also blog about photography on Storyteller Tech .

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Tuesday 11th of June 2019

Thanks for the information about travel insurance. Does it cover routine doctor visits and medications that would relate to what would be called a pre existing condition? ie high blood pressure, diabetes for example? Thank you

Tuesday 13th of November 2018

Thanks for this detailed write up! I just purchased a policy from Atlas Travel using your referral link. All the best, Goats. Oh, and I really like your YouTube videos! :)

Bob Shearer

Saturday 15th of September 2018

Help! I am not the dumbest pooch in the pound, but the req for health insurance for tourists of less than 90 days (3 Weeks) has me confused. Some posts say 'all', others say after 90 days. I am 74 and some companies won't insure. Do you know if VA and Med part B are good enough.? If not, which can you recommend. See that some have age cutoff. Thanks. Bob

Wednesday 8th of August 2018

Hi Bryan, Off the topic a bit, but how do Expats get their social security payments transferred to hem as Ecuadorian Banks are not on the ACH network? As i understand it, and I could be wrong, credit cards are not as generally accepted as in N.America, with there being a preference for cash as a mechanism for purchasing goods.

JL in Ecuador

An easy solution is to have SS transferred to a US bank, then access it via a credit card &ATM. Works for me! JL in Ecuador

Friday 27th of April 2018

For Americans at least, another alternative is squaremouth. They are an online travel insurance brokers selling annual and single trip coverage from a variety of carriers including some listed here and others that are not listed here.

expat travel health insurance

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US Citizens Living Overseas: Insurance For US Expats

Expat health care exists for US citizens overseas!

For US Citizens Abroad, Expatriate Health Insurance Explained

Thousands of Americans realize their lifelong dream every year and move abroad to another country. For executives relocating to launch a new business, retirees eager to learn a new language, or spirited students on a gap year looking to gain work experience, becoming an American expatriate knows no limits regarding age and interests. 

But living overseas comes with challenges. Experiencing a different culture and adapting to things you are not used to can be stressful sometimes. 

Hopefully, as you embrace the obstacles of your new home, your health doesn't have to be on your mind. Here’s what Americans living overseas need to know about health insurance for US citizens abroad .

We provide US citizens moving abroad with robust health plan quotes free of charge. If you’re thinking of moving abroad, let us help! Our free quotes will give you the information you need to select the best policy. 

Best Coverage for Americans Living Overseas

We would suggest the following three plans for U.S. citizens living abroad.

Cigna Global - The most popular plan is the Cigna Global Medical plan, as it offers a wide range of plans and a modular plan design allowing U.S. expats to design a policy that meets their needs and budget.

Cigna Global Logo

Cigna Global Insurance Plan

  • The flexibility to tailor a plan to suit your individual needs
  • Access to Cigna Global’s trusted network of hospitals and doctors
  • The convenience and confidence of 24/7/365 customer service

GeoBlue Xplorer  - Probably our best plan is the GeoBlue Xplorer plan. It is more expensive for expats, but the benefits are comprehensive, and the service is excellent.

GeoBlue Xplorer Global Medical Insurance

Xplorer Worldwide Medical Plan

  • Premium Benefits, Coverage and Service
  • Define your deductible and prescription benefits
  • For Foreigners in the US or US citizens abroad

IMG Global Medical Insurance  - A more affordable option is the IMG Global Medical Insurance plan. The plan has some very affordable options for budget-conscious U.S. expats living abroad.

International Medical Group Logo

IMG Global Medical Plan

  • Four plan options and additional optional coverages
  • Choice of the coverage area to reflect your geographical area of need
  • Freedom to choose your health care provider wherever you are in the world
Learn More About Global Health Insurance

The Benefits of Health Plans for US Citizens Living Abroad

If you are moving abroad, you must consider the risks of going without medical coverage. As an American living overseas, you could experience massive hospital bills or limited access to medical care in your new country. Health insurance for Americans abroad will cover your medical costs in any country you’re in, which is an immeasurable benefit. 

Life comes with surprises no matter what country you are living in or traveling to. Whether you get a simple cold or a serious injury, it’s important to be prepared while living abroad as an American. Make sure you have a quality global medical plan covering your expenses so you can get care wherever you choose to live.

For US citizens living abroad, getting coverage can mean finding immediate medical attention during emergencies. All plans come with emergency medical assistance hotlines you can call at any time to get medical advice and assistance. On top of healthcare support, policies for US expats also help satisfy newer requirements on select visa types issued by the destination country.

Related: There are more than 8 million Americans Living Abroad (Source AARO ). All should have expat health insurance !

Frequently Asked Questions

Does us health insurance cover you living abroad.

Generally, U.S. health insurance benefits will not cover you while outside of the U.S. Your domestic U.S. health insurance plans will cover you in a specific region within the USA. Sometimes they will offer limited coverage outside of the USA, but that is rarely the case. Request a quote to find an international health care plan that suits your needs. 

The US government strongly recommends that all Americans carry private health care insurance when traveling or living overseas. They also warn that their national coverage will not protect them in other countries.

According to the US Department of State :  “ You should purchase insurance before you travel (or move abroad)...In general, Medicare and Medicaid do not cover medical costs overseas. " Therefore, American expats are responsible for researching, comparing, and choosing a quality international medical insurance plan.

Do US citizens need health insurance abroad?

Absolutely, yes. Health coverage for U.S. citizens living overseas helps cover medical costs including hospitalization and wellness care. These policies provide coverage worldwide, medical evacuation, vision and dental benefits, and much more.

Benefits you will get from your plan:

  • Inpatient and outpatient international medical care
  • Freedom to choose any hospital, clinic, or doctor
  • 24-hour emergency assistance and helpline
  • Emergency evacuation, repatriation, and hospitalization
  • Worldwide coverage, including your home country
  • Choice of multiple currencies for payment

If you do not have a high quality plan, you may have limited access to private hospitals, longer wait times and required up-front payment for your treatment. For some medical conditions, costs can add up quickly.

Most U.S. citizens living abroad will choose to purchase a global health insurance plan that will cover them worldwide, including in the USA.

Does US Medicare cover me overseas?

U.S. Medicare does not provide medical cover when you have been living outside the country for more than six months. You will need to purchase an international health plan to cover your medical expenses abroad, instead. A recommended option is the Cigna Global plan as the insurer provides comprehensive policies that cover all ages.

Some Medicare supplements provide limited international benefits up to a certain maximum amount per year for emergency medical expenses. You should check with your provider to determine if you have any international coverage in your Medicare plan.

Read: Medicare Coverage Abroad

Does Obamacare cover you abroad?

Obamacare, or the Affordable Care Act, does not cover you should you decide to live abroad. ACA compliant plans are domestic U.S. health insurance plans and will cover you in your state of residence. Some plans will cover you outside of your state of residence but for emergency care only. There are select plans that will cover you in every U.S. state. If your plan does provide coverage outside of the USA, it is typically for emergencies only and limited to a set amount. That is why it is necessary to obtain international medical insurance for U.S. citizens living overseas.

Can I get healthcare in Canada as a US Citizen?

Your U.S. health insurance plan will not cover you in Canada, although there are many alternative insurance options to choose from!

First, you could qualify for the Canadian health insurance program, which is called Medicare (not to be confused with U.S. Medicare). Be sure to do some research on whether this is the right fit for you. You'd be surprised to hear about the many inconveniences of domestic coverage in Canada and the limitations of coverage outside of Canada. It's best to get worldwide coverage as an expatriate.

An alternative is to get a global medical plan that will cover you whether you are in Canada or in the USA. GeoBlue Xplorer is a great option for this situation as it provides a comprehensive policy with worldwide coverage, including in the USA.

Read: Health Insurance in Canada

Where can I get "free" healthcare?

There really is no such thing as free healthcare, especially for U.S. citizens or American expats living overseas.

Countries with socialized medical care are thought to offer “free” healthcare. But the cost of healthcare in those countries is built into the expenditures of everyday life for their citizens. This includes compulsory payroll deductions and taxation on goods and services.

In many cases, expats are excluded from this local healthcare system. Simply put, U.S. expats are not considered citizens of their host country and, as such, have not contributed to healthcare costs. While many countries have provisions to treat all people who visit hospital emergency departments, regardless of nationality or ability to pay, this is no substitute for an expatriate health plan .

Learn more: Countries With Free or Universal Healthcare

What Should Americans Look for in an International Plan for US Expats?

Doctor taking a patient's blood pressure

Cheap Health Insurance Is Not Always the Best Option

Moving to a new country can sound very exciting. You will be tempted to start packing your bags after listening to an expatriate's stories of an international lifestyle. The cost of living is so low they can afford to eat out daily; they can hire cleaning staff or a private gardener. And, best of all, a trip to the local doctor is very affordable.

The lower cost of living is a significant factor in the decision for U.S. citizens to become expats. Additionally, minor maladies are often treated for just a modest cost, unlike in the U.S. or other countries with expensive healthcare services.

But don’t be fooled into thinking you will receive the same level of care, access, and expense for more severe medical problems. The cost of specialist treatments, comprehensive diagnostics like an MRI, support systems from translators, and home care nurses can add up to an astronomical cost - and at an astronomical speed. And that doesn’t take into account transportation to and from hospitals or appointments.

The quiet lifestyle in a remote area that attracts you to live overseas, whether on a beloved island, secluded reef or mountain village, can work against you when you need to hire an air ambulance for a medical evacuation .

When Choice Equals Comfort

Being sick must not prevent you from exercising your right to choose the quality of healthcare service you receive. Feeling that you have lost control over the situation can affect your well-being and worsen your condition. Finding yourself in a situation where medical service is absent when you need it the most can be infuriating and frustrating.

Health plans for U.S. citizens living overseas ensure these annoying circumstances do not happen to you. The right international insurance plan gives you the power to choose a hospital or doctor to receive better healthcare service.

Insurance for U.S. expats gives you the control to make the following decisions:

  • Would you prefer to be under the care of a male or a female specialist?
  • From which hospital in your new town or city do you want to receive healthcare services?
  • Do you prefer a private or semi-private room when you get admitted?

The freedom to choose between these options means that you are looking at the right insurance package to apply for. Having the power to make these decisions will also help you regain some control over the process, which can benefit your health.

Don't Skip Preventative Care When You Move Abroad

Even if you’re in good health, your body needs protection throughout your life, especially while adapting to a new environment. Without preventative care, an accident or illness can quickly turn into a crisis. Insurance covers you when life’s unexpected issues arise.

Getting health benefits for U.S. expats is a must to maintain your health. These policies can cover regular check-ups with the dentist or optometrist, scheduled annual physical health care examinations, and preventive care. Wellness visits are the best way to ensure you continue living a healthy life. A healthy lifestyle can reduce the chance of medical problems getting out of hand.

When securing health coverage for living abroad, ensure that it also covers preventive and wellness care for your peace of mind.

Avoid a Gap in Coverage

It is common for many internationals and executives to stay abroad for an extra month or even an additional year. Volunteering in an organization, honing photography skills, or perfecting a new language — the purpose for extending their stay varies.

After being covered by your employer or a school policy, you will often feel healthy and confident to the point that you do not extend your coverage. However, there are no guarantees when it comes to health.

Do not gamble with a coverage gap, thinking that you don’t need protection just because you have never encountered a medical problem before. Make sure the policy you have remains in effect during your extended stay overseas.

The best thing about expatriate life for Americans abroad is living life to the fullest without worrying much about money. But to do this, you must take care of your health no matter where you are in the world.

Expatriate Health Insurance for Americans Living Abroad

We would suggest the following three plans for U.S. citizens living abroad. The most popular plan is the Cigna Global Medical plan, as it offers a wide range of plans and a modular plan design allowing U.S. expats to design a policy that meets their needs and budget. Probably our most comprehensive plan for Americans abroad is the GeoBlue Xplorer plan. The benefits are comprehensive, it offers the most coverage in the USA through the Blue Cross Blue Shield network, and the service is excellent. A more affordable option is the IMG Global Medical Insurance plan. The plan has affordable options for younger, more budget-conscious U.S. expats living abroad.

Related: Or You Can Compare: Compare and Review Global Medical Plans
  • Health Insurance When Working Abroad
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  • US Health Insurance for Foreigners Living in America

Travel Health Plans for US Expats Visiting the USA

Travel insurance plans for US citizens traveling to USA

Life as a U.S. expatriate is more flexible than ever. Freelancers with fluid schedules can take advantage of free time to travel worldwide; overseas teachers can enjoy extended summer holidays. Come the holiday season, retirees rent out their apartments to tourists and take up temporary residency elsewhere.

For American expats, the temptation to travel back home to the United States for a short visit to catch up with friends and family, renew connections with colleagues, celebrate the holidays, or even travel to a new part of the country is always present. And with travel connections becoming easier to arrange than ever before, the same goes for a travel health policy.

Here are a few pointers on what American expats need to know before visiting the United States, especially if your international health policy does not include coverage in the USA.

Insurance Coverage for US Citizens Returning to America

If you have a comprehensive global insurance plan, it is likely also to include coverage in the USA. Check your existing coverage to confirm this. If you have a local plan in your new country that does not cover you during your travels, then you will need cover when you visit the USA. For this, we have a couple of options for you.

All forms of coverage have restrictions and limitations. American expatriates returning to visit the United States are not exempt from these constraints.

But before you check out the restrictions, make sure you first meet the insurer's definition of being an expat. In many cases, that may include proof that you have resided outside of the United States for a certain period. Other providers may require you to have pre-existing coverage established in your new residence before they extend coverage for your trip to the United States. They may also limit the length of time you are covered while in the United States before you are considered a permanent resident once more.

Travel Medical Plans for US Expats Traveling to the USA

Patriot america plan.

The Patriot America Travel Insurance plan provides coverage for people traveling outside their residence country whose destination includes the U.S. or its territories. A U.S. citizen residing in a foreign country can purchase a Patriot America plan to visit the USA.

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Patriot Platinum Travel Insurance

  • Maximum limits up to $8,000,000
  • IMG pays 100% of medical expenses in-network
  • Evacuation due to Natural Disasters & Political Unrest

It’s important to note that while travel medical plans like Patriot offer a complete package of international benefits for medical emergencies, they won’t cover you if you want to get a checkup from your old primary care doctor.

Travel Medical Plans for all Situations and Nationalities

insurance document and someone signing

Budget Like an American

One of the best things about the life of an American expat is the affordable quality of life. But if you have been away from your home country for too long, you might forget the real health care coverage costs in the United States.

Ensure you are updated on your facts and figures and compare packages with a realistic eye. A payout of $150 a night for unexpected hospital stay costs might sound very generous if you live in Guatemala or Thailand. However, it may not be sufficient coverage if you visit New York or Los Angeles.

It is time to budget your finances like an American once again! Review the insurance for U.S. expats we have listed here to get the best one suited to your needs.

Pro Tip: Start by Requesting a Quote for your cover. We will provide two or more options from the leading insurance providers and can customize coverage to your needs and budget.
  • Travel Insurance for Visitors to the USA
  • Health Plans in Mexico for US Citizens
  • Insurance for US Citizens in Canada
  • Health Insurance for Canadians Living in the USA
Author: Joe Cronin , Founder and President of International Citizens Insurance . Mr. Cronin, a former expat, is an authority in the areas of international travel, and global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce. Follow him on LinkedIn or Twitter .

Get a fast, free, international insurance quote.

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Best travel insurance options for expats

Best travel insurance options for expats

Last updated: 9 October 2023 at 14:41

Travelling while living abroad introduces a number of different challenges regarding what kind of cover your travel insurance may provide you, but not all travel insurance companies will provide travel insurance for non-UK residents.

When travelling, many people simply choose one of the options presented to us either by the travel agent, airline company or travel website. However, as an expat, your personal situation might exclude you from all the benefits available so it is vital that you read all the terms, conditions and small print to ensure that you are fully covered while travelling.

It is also advised that, rather than wait until you are about to travel to arrange your travel insurance, you should purchase travel insurance as close to when you made your booking as possible - ideally on the same day. This is to ensure you are covered if your travel plans get re-arranged or cancelled due to unforeseen events.

If you have a travel plan which you purchased before you moved abroad, you must also read the small print as it is unlikely to provide cover for your travels once you have moved abroad.

Companies offering travel insurance policies for expats and non-UK residents

Expatriate Healthcare Travel Insurance

Expatriate Healthcare Travel Insurance

Expatriate Healthcare’s, International Travel Insurance TravelCare policy covers all nationalities, travelling anywhere in the world.

You can cover a specific single trip or, for total flexibility, an annual policy that covers you for any trip you take abroad; regardless of how often you travel.

Perfect for people who

  • Expats under 70 years old
  • Seeking global cover
  • Children over 5 travelling alone

Important Facts

  • Visit as many countries in your destination area
  • Europe only cover
  • Global cover
  • Contracts in English
  • Free online quotes

Staysure Expat Travel Insurance

Staysure Expat Travel Insurance

Staysure Overseas SL offers Expat Travel Insurance to the over 50s, bringing our quality products and excellent value for money to those living outside the UK.

  • Live abroad and travel anywhere in the world
  • Are over 50
  • Need global cover
  • Instant quote
  • Instant cover

We do not accept any responsibility for information, offers or product suitability of any product or content on third party sites.

expat travel health insurance

Money.com

HTH Travel Insurance | Money

Best for long-term international travel insurance.

P lanning a trip? The last thing you want is to get stuck with a hefty bill if something goes wrong. The best travel insurance companies provide coverage for emergency medical costs, trip cancellation, evacuations and other potentially costly issues.

HTH Travel Insurance (also called HTH Worldwide Travel Insurance) is a reliable travel insurance provider offering three main plans and a range of benefits. This might be the right travel insurer for you if you’re heading out on a long-term journey or want the highest coverage limits.

HTH Travel Insurance stands out for its long-term plans. The Xplorer and Navigator plans are designed for expats, international students, missionaries and other travelers who plan on spending three or more months abroad. This HTH Travel Insurance review will guide you through the policies, pros and cons of HTH insurance to help you decide if it’s right for your trip.

HTH Travel Insurance Pros and Cons

So, what is insurance ? Do you need to buy it before you travel?

Some countries, but not all, require that you have travel insurance before you arrive. That said, it’s the only way to protect yourself from unexpected costs on your trip. The best travel insurance plans cover medical costs and other emergencies. Like having the best travel credit cards , traveling with insurance will help you to save money and provide peace of mind in case anything goes wrong.

HTH Travel Insurance is a good option for long trips, but it might not be the best insurer for everyone. Here’s a quick look at what you should expect from your plan.

Impressive coverage limits for medical expenses

Physician community that expands over 180 countries, access to health services worldwide via the mpassport app, offers insurance coverage for expatriates, some plans require travelers to have an existing primary health plan, 12-hour delay required for baggage delay coverage, pros explained.

Even the most affordable HTH Travel Insurance plan offers extensive coverage for medical emergencies. With TripProtector Economy, you get up to $75,000 in emergency medical coverage. TripProtector Classic offers up to $250,000, and TripProtector Preferred has up to $500,000.

That coverage is nearly triple the amount offered by other travel insurance providers. It provides security that you won’t have to pay out of pocket for an unexpected sickness or injury.

HTH Worldwide Insurance has a physician network that extends to almost every popular tourist destination. You can find a network physician in over 180 countries.

HTH Worldwide has an intuitive app that policyholders can use to find a network doctor, file a claim or learn more about their plan. The app is specially designed for long-term travelers who need to access health services in the country they’re staying in.

One unique feature of the mPassport app is its drug comparison and translation tool. You can look up any medication on the app and see an English translation, plus comparable drugs offered in the U.S. The app also has tools to search for nearby doctors and hospitals and store your electronic ID card.

HTH Worldwide is one of the few travel insurance providers that offer specialized insurance for expatriates. The Xplorer and Navigator plans are long-term health coverage options for business travelers, students, military members and anyone who travels for months at a time.

With these plans, you pay a monthly premium while you’re abroad. Coverage includes medical evacuations, physician costs, accidental death and repatriation coverage for your beneficiaries.

Cons explained

HTH Worldwide Travel Insurance offers affordable single-trip plans. To get the best rates for those policies, you must have your own health insurance plan at home. HTH offers a single-trip plan for travelers without primary health insurance, but it has limitations for preexisting conditions.

Baggage delay coverage is a common benefit of most travel insurance plans. It covers the costs of a baggage delay, like forwarding your bags or replacing the items you need.

All three HTH Travel Insurance plans include baggage delay coverage. But your baggage has to be delayed for a minimum amount of time before you can access that coverage — with TravelProtector Economy, only a 24-hour delay is covered. The other two plans cover delays of at least 12 hours. That’s a longer wait period than what other insurance plans offer.

HTH Travel Insurance Plans

HTH Worldwide Travel Insurance offers three base plans: Economy, Classic and Preferred. In addition, it provides a range of policies tailored to individual travelers’ needs.

Finding the right plan for your trip is crucial. A great travel insurance policy will help you save money and avoid stress while traveling, but the wrong plan could be an unnecessary cost. Look into HTH Worldwide’s insurance options to decide which is best for your trip.

Single Trip

Although HTH Worldwide is most popular with long-term travelers, it also offers two quick-trip plans. However, these plans don’t come with the baggage delay coverage, trip interruption and other benefits of the TripProtector plans. These are strictly travel medical insurance.

The single-trip option for travelers with primary health insurance is an affordable policy that provides medical coverage for the length of your trip. You’ll choose your maximum coverage amount (between $50,000 and $1 million) and your deductible (between $0 and $500).

The single-trip option for travelers without primary health insurance offers those same choices but has some limitations, like a 180-day exclusion for pre-existing conditions.

You can adapt HTH Worldwide TripProtector Preferred, Classic and Economy for multiple trips within the same year. Consult an HTH Insurance agent about your upcoming trips to find the right plan. HTH Worldwide’s expatriate insurance might be a better option if you take multiple long-term trips within the year.

HTH Worldwide offers two expatriate health insurance plans:

  • Xplorer plan. This is the best option for families or individuals who’ll be overseas for at least three months within a single year. Xplorer is a health insurance plan, but you can add more benefits, such as baggage coverage.
  • Navigator plan. The Navigator plan is an expatriate health insurance option designed for military professionals, business travelers, students and other expatriates who spend more than four months out of the year abroad.

You can modify any of HTH’s three primary plans for families and groups. These plans allow you to choose your deductible and come with some decent benefits, including baggage loss coverage of up to $2,000 per person.

HTH Worldwide is not the cheapest option for large groups of travelers. Depending on your trip’s length and cost, a family insurance plan’s total cost may be $1,000 or more. Talk with an HTH insurance agent for a more detailed cost estimate.

Trip Protection

HTH Worldwide TripProtector plans offer comprehensive trip insurance. These plans aren’t the most budget-friendly on the market, but they offer extensive coverage for medical costs, baggage delays or loss, cancellation and more. An HTH TripProtector plan might be the right insurance option if you want full-service trip protection.

HTH Travel Insurance Pricing

The exact cost of your HTH Travel Insurance premium depends on several factors, including:

  • Number of travelers and their ages
  • Destination country/countries
  • Length of trip
  • Total cost of the trip
  • Pre-existing health conditions

Note that TripProtector Economy, HTH’s most affordable plan option, is only available for trips under $5,000. The other two plans are available for single or multiple trips of any length.

According to most HTH Travel Insurance reviews, this isn’t the cheapest travel insurance provider on the market. Our sample quotes showed that premiums are on par with comparable plans, if not slightly more expensive. But those prices might be worth it if you value high coverage limits and various benefits.

HTH Travel Insurance Financial Stability

HTH Travel Insurance has an A- rating (excellent) from AM Best.

Do financial strength ratings affect your insurance policy? Not necessarily. But they show how stable a company is, which means you shouldn’t expect any dramatic price changes or plan cancellations in the near future.

HTH Travel Insurance Accessibility

HTH Worldwide Travel Insurance is well-rated across multiple review platforms for its accessibility. This insurer makes it easy to get a quote and buy a plan. In addition, its claims filing process is straightforward and generally quick compared to other insurance providers.

Availability

HTH Worldwide is available nationwide. Its global network of physicians is available in over 180 countries.

Contact information

There are a few ways to contact HTH’s customer service. You can get a fast quote and browse plans on the HTH official website. HTH also has two 24/7 customer helplines to answer questions or file a claim.

You may also file claims through email. All the necessary documentation for filing a claim is available on the HTH website.

User experience

HTH Worldwide Travel Insurance reviews report a generally easy user experience. The mPassport app is well-rated and easy to navigate. There are some HTH Travel Insurance complaints that refer to the claims filing process, but that is standard for the industry.

HTH Travel Insurance Customer Satisfaction

Most customer reviews of HTH Travel Insurance report high customer satisfaction. Because HTH Worldwide is a smaller insurance company, most claims are processed fairly quickly, and customer service agents are very responsive. However, according to a few complaints, some customers feel that the claims filing process could be easier.

HTH Travel Insurance FAQ

What doesn't hth worldwide travel insurance cover.

Unfortunately, HTH Travel Insurance does not cover medical costs or evacuations related to COVID-19. It also excludes coverage for injuries caused by intoxication, dangerous sports or mental illness.

How can I file a travel insurance claim with HTH Worldwide?

You can file an HTH Travel Insurance claim over the phone or through email. You'll find forms for each claim type on the official HTH website.

Which is the best HTH Worldwide Travel Insurance plan?

What you feel is the best plan depends on your travel needs. For example, HTH Travel Insurance is best rated for its expatriate health insurance plans, but a single-trip option might be the right plan for you, especially if you want high coverage limits.

How We Evaluated HTH Travel Insurance

For this HTH Travel Insurance review, we compared HTH Worldwide to other insurers based on a few critical factors, including:

  • Range of plans and add-on options
  • Customer satisfaction and complaints
  • Accessibility
  • Coverage limits
  • Claims filing process
  • Group, family and multi-trip options

Summary of Money’s HTH Travel Insurance Review

There are plenty of ways to save money while you’re traveling. Booking your flights and hotels through the best travel booking sites , choosing the cheapest dates and paying with the best travel rewards credit cards will help you cut costs. But when it comes to emergencies and cancellations, a great travel insurance plan is the only way to avoid high expenses.

HTH Worldwide is a good insurance provider for most travelers. It has super high coverage limits and flexible deductibles. All things considered, this travel insurance stands out for its expatriate options and is an excellent choice for long-term trips. If you plan on traveling for multiple months per year, HTH Travel Insurance may be your best choice.

© Copyright 2023 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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Local security forces brought 15 men to a military enlistment office after a mass brawl at a warehouse of the Russian Wildberries company in Elektrostal, Moscow Oblast on Feb. 8, Russian Telegram channel Shot reported .

29 people were also taken to police stations. Among the arrested were citizens of Kyrgyzstan.

A mass brawl involving over 100 employees and security personnel broke out at the Wildberries warehouse in Elektrostal on Dec. 8.

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40 facts about elektrostal.

Lanette Mayes

Written by Lanette Mayes

Modified & Updated: 02 Mar 2024

Jessica Corbett

Reviewed by Jessica Corbett

40-facts-about-elektrostal

Elektrostal is a vibrant city located in the Moscow Oblast region of Russia. With a rich history, stunning architecture, and a thriving community, Elektrostal is a city that has much to offer. Whether you are a history buff, nature enthusiast, or simply curious about different cultures, Elektrostal is sure to captivate you.

This article will provide you with 40 fascinating facts about Elektrostal, giving you a better understanding of why this city is worth exploring. From its origins as an industrial hub to its modern-day charm, we will delve into the various aspects that make Elektrostal a unique and must-visit destination.

So, join us as we uncover the hidden treasures of Elektrostal and discover what makes this city a true gem in the heart of Russia.

Key Takeaways:

  • Elektrostal, known as the “Motor City of Russia,” is a vibrant and growing city with a rich industrial history, offering diverse cultural experiences and a strong commitment to environmental sustainability.
  • With its convenient location near Moscow, Elektrostal provides a picturesque landscape, vibrant nightlife, and a range of recreational activities, making it an ideal destination for residents and visitors alike.

Known as the “Motor City of Russia.”

Elektrostal, a city located in the Moscow Oblast region of Russia, earned the nickname “Motor City” due to its significant involvement in the automotive industry.

Home to the Elektrostal Metallurgical Plant.

Elektrostal is renowned for its metallurgical plant, which has been producing high-quality steel and alloys since its establishment in 1916.

Boasts a rich industrial heritage.

Elektrostal has a long history of industrial development, contributing to the growth and progress of the region.

Founded in 1916.

The city of Elektrostal was founded in 1916 as a result of the construction of the Elektrostal Metallurgical Plant.

Located approximately 50 kilometers east of Moscow.

Elektrostal is situated in close proximity to the Russian capital, making it easily accessible for both residents and visitors.

Known for its vibrant cultural scene.

Elektrostal is home to several cultural institutions, including museums, theaters, and art galleries that showcase the city’s rich artistic heritage.

A popular destination for nature lovers.

Surrounded by picturesque landscapes and forests, Elektrostal offers ample opportunities for outdoor activities such as hiking, camping, and birdwatching.

Hosts the annual Elektrostal City Day celebrations.

Every year, Elektrostal organizes festive events and activities to celebrate its founding, bringing together residents and visitors in a spirit of unity and joy.

Has a population of approximately 160,000 people.

Elektrostal is home to a diverse and vibrant community of around 160,000 residents, contributing to its dynamic atmosphere.

Boasts excellent education facilities.

The city is known for its well-established educational institutions, providing quality education to students of all ages.

A center for scientific research and innovation.

Elektrostal serves as an important hub for scientific research, particularly in the fields of metallurgy, materials science, and engineering.

Surrounded by picturesque lakes.

The city is blessed with numerous beautiful lakes, offering scenic views and recreational opportunities for locals and visitors alike.

Well-connected transportation system.

Elektrostal benefits from an efficient transportation network, including highways, railways, and public transportation options, ensuring convenient travel within and beyond the city.

Famous for its traditional Russian cuisine.

Food enthusiasts can indulge in authentic Russian dishes at numerous restaurants and cafes scattered throughout Elektrostal.

Home to notable architectural landmarks.

Elektrostal boasts impressive architecture, including the Church of the Transfiguration of the Lord and the Elektrostal Palace of Culture.

Offers a wide range of recreational facilities.

Residents and visitors can enjoy various recreational activities, such as sports complexes, swimming pools, and fitness centers, enhancing the overall quality of life.

Provides a high standard of healthcare.

Elektrostal is equipped with modern medical facilities, ensuring residents have access to quality healthcare services.

Home to the Elektrostal History Museum.

The Elektrostal History Museum showcases the city’s fascinating past through exhibitions and displays.

A hub for sports enthusiasts.

Elektrostal is passionate about sports, with numerous stadiums, arenas, and sports clubs offering opportunities for athletes and spectators.

Celebrates diverse cultural festivals.

Throughout the year, Elektrostal hosts a variety of cultural festivals, celebrating different ethnicities, traditions, and art forms.

Electric power played a significant role in its early development.

Elektrostal owes its name and initial growth to the establishment of electric power stations and the utilization of electricity in the industrial sector.

Boasts a thriving economy.

The city’s strong industrial base, coupled with its strategic location near Moscow, has contributed to Elektrostal’s prosperous economic status.

Houses the Elektrostal Drama Theater.

The Elektrostal Drama Theater is a cultural centerpiece, attracting theater enthusiasts from far and wide.

Popular destination for winter sports.

Elektrostal’s proximity to ski resorts and winter sport facilities makes it a favorite destination for skiing, snowboarding, and other winter activities.

Promotes environmental sustainability.

Elektrostal prioritizes environmental protection and sustainability, implementing initiatives to reduce pollution and preserve natural resources.

Home to renowned educational institutions.

Elektrostal is known for its prestigious schools and universities, offering a wide range of academic programs to students.

Committed to cultural preservation.

The city values its cultural heritage and takes active steps to preserve and promote traditional customs, crafts, and arts.

Hosts an annual International Film Festival.

The Elektrostal International Film Festival attracts filmmakers and cinema enthusiasts from around the world, showcasing a diverse range of films.

Encourages entrepreneurship and innovation.

Elektrostal supports aspiring entrepreneurs and fosters a culture of innovation, providing opportunities for startups and business development.

Offers a range of housing options.

Elektrostal provides diverse housing options, including apartments, houses, and residential complexes, catering to different lifestyles and budgets.

Home to notable sports teams.

Elektrostal is proud of its sports legacy, with several successful sports teams competing at regional and national levels.

Boasts a vibrant nightlife scene.

Residents and visitors can enjoy a lively nightlife in Elektrostal, with numerous bars, clubs, and entertainment venues.

Promotes cultural exchange and international relations.

Elektrostal actively engages in international partnerships, cultural exchanges, and diplomatic collaborations to foster global connections.

Surrounded by beautiful nature reserves.

Nearby nature reserves, such as the Barybino Forest and Luchinskoye Lake, offer opportunities for nature enthusiasts to explore and appreciate the region’s biodiversity.

Commemorates historical events.

The city pays tribute to significant historical events through memorials, monuments, and exhibitions, ensuring the preservation of collective memory.

Promotes sports and youth development.

Elektrostal invests in sports infrastructure and programs to encourage youth participation, health, and physical fitness.

Hosts annual cultural and artistic festivals.

Throughout the year, Elektrostal celebrates its cultural diversity through festivals dedicated to music, dance, art, and theater.

Provides a picturesque landscape for photography enthusiasts.

The city’s scenic beauty, architectural landmarks, and natural surroundings make it a paradise for photographers.

Connects to Moscow via a direct train line.

The convenient train connection between Elektrostal and Moscow makes commuting between the two cities effortless.

A city with a bright future.

Elektrostal continues to grow and develop, aiming to become a model city in terms of infrastructure, sustainability, and quality of life for its residents.

In conclusion, Elektrostal is a fascinating city with a rich history and a vibrant present. From its origins as a center of steel production to its modern-day status as a hub for education and industry, Elektrostal has plenty to offer both residents and visitors. With its beautiful parks, cultural attractions, and proximity to Moscow, there is no shortage of things to see and do in this dynamic city. Whether you’re interested in exploring its historical landmarks, enjoying outdoor activities, or immersing yourself in the local culture, Elektrostal has something for everyone. So, next time you find yourself in the Moscow region, don’t miss the opportunity to discover the hidden gems of Elektrostal.

Q: What is the population of Elektrostal?

A: As of the latest data, the population of Elektrostal is approximately XXXX.

Q: How far is Elektrostal from Moscow?

A: Elektrostal is located approximately XX kilometers away from Moscow.

Q: Are there any famous landmarks in Elektrostal?

A: Yes, Elektrostal is home to several notable landmarks, including XXXX and XXXX.

Q: What industries are prominent in Elektrostal?

A: Elektrostal is known for its steel production industry and is also a center for engineering and manufacturing.

Q: Are there any universities or educational institutions in Elektrostal?

A: Yes, Elektrostal is home to XXXX University and several other educational institutions.

Q: What are some popular outdoor activities in Elektrostal?

A: Elektrostal offers several outdoor activities, such as hiking, cycling, and picnicking in its beautiful parks.

Q: Is Elektrostal well-connected in terms of transportation?

A: Yes, Elektrostal has good transportation links, including trains and buses, making it easily accessible from nearby cities.

Q: Are there any annual events or festivals in Elektrostal?

A: Yes, Elektrostal hosts various events and festivals throughout the year, including XXXX and XXXX.

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    If not, you will need to purchase a plan that covers you while you are living abroad. Other types of popular health insurance for global citizens include: 1. Emergency Travel Insurance. hedgehog94 / Adobe Stock. This type of insurance is designed to cover you in the event of a medical emergency while traveling.

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    Expat health insurance should include a big provider network, sufficient coverage, and good pricing. ... Travel insurance is designed for people taking shorter-term trips versus living abroad long ...

  11. Travel Insurance for Expats: What You Need to Know

    First, travel medical insurance is a key part of any travel insurance package but some providers pull it out as a separate and focus the policy around the medical aspects. ... Global, or expat, health insurance can be taken out as health coverage when you're overseas, but it only gives you limited emergency coverage when you are traveling. ...

  12. Global Expat Insurance Explained

    If you're an expat living abroad, international expat health insurance can give you extensive medical cover wherever you are in the world. International health insurance is different from travel insurance, as it can help cover the cost of both routine and emergency medical care while you live outside your country of citizenship.. Different countries have different types of healthcare systems ...

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  14. 5 Best Travel Insurance Options (For Expats and Travelers)

    World Nomads offers coverage for more than 150 adventure activities as well as emergency medical, lost luggage, trip cancellation and more. 3. SafetyWing. SafetyWing is different than traditional travel insurance. It is an insurer created by digital nomads - for, you guessed it, other digital nomads.

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    Best Coverage for Americans Living Overseas. We would suggest the following three plans for U.S. citizens living abroad. Cigna Global - The most popular plan is the Cigna Global Medical plan, as it offers a wide range of plans and a modular plan design allowing U.S. expats to design a policy that meets their needs and budget.

  16. Best travel insurance options for expats

    Expatriate Healthcare Travel Insurance. Expatriate Healthcare's, International Travel Insurance TravelCare policy covers all nationalities, travelling anywhere in the world. You can cover a specific single trip or, for total flexibility, an annual policy that covers you for any trip you take abroad; regardless of how often you travel.

  17. Best Travel Medical Insurance Of 2024

    The Best Travel Medical Insurance for Visitors to the U.S. Atlas America - Best Overall. Patriot America Lite - Best for Cost. Patriot America Plus - Great for Trip Interruption Insurance ...

  18. Travel Insurance for Expats

    This isn't health insurance! Expats must be aware this is travel insurance not health insurance. This means it will not cover you for ongoing medical care. It also excludes many pre-existing conditions as well as any medical treatment that is not considered necessary by our medical specialists.

  19. An Easy Guide to Expat Health Insurance in the USA (2022)

    Travel Health Insurance. Generally, travel insurance for expats offers emergency medical coverage while traveling overseas. It also covers lost luggage, flight delays, non-refundable expenses, public liability, and trip cancellations. Travel insurance can be purchased to cover a single trip or multiple trips throughout the year.

  20. HTH Travel Insurance

    For example, HTH Travel Insurance is best rated for its expatriate health insurance plans, but a single-trip option might be the right plan for you, especially if you want high coverage limits.

  21. 15 men brought to military enlistment office after mass brawl in Moscow

    Local security forces brought 15 men to a military enlistment office after a mass brawl at a warehouse of the Russian Wildberries company in Elektrostal, Moscow Oblast on Feb. 8, Russian Telegram channel Shot reported.. 29 people were also taken to police stations. Among the arrested were citizens of Kyrgyzstan. A mass brawl involving over 100 employees and security personnel broke out at the ...

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  23. 40 Facts About Elektrostal

    Elektrostal benefits from an efficient transportation network, including highways, railways, and public transportation options, ensuring convenient travel within and beyond the city. Famous for its traditional Russian cuisine. Food enthusiasts can indulge in authentic Russian dishes at numerous restaurants and cafes scattered throughout ...

  24. OTDYKH Spa & Health 2018

    The Medical Tourism, Spa & Health Conference is a highly professional event with the aim of the development of spa & health tourism in Russia and abroad. W. OTDYKH Spa & Health 2018 is held in Moscow, Russia, from 9/11/2018 to 9/11/2018 in Expocentre Fairgrounds. ... 14th International exposition and conference for wellness and medical travel ...