Top 12 Best Medical Insurance Companies For Expats Living Abroad And 1 To Avoid [2022]

Are you trying to choose the best expat medical insurance company to protect yourself and your family? This guide covers the best international health insurers covering the unique needs of expats. Get the essential details on coverage, price, reputation, and stability. Make an informed choice on the provider for you. minutes

06/02/23

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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-Best Medical Insurance Provider For Expats

  • The "Best" insurance company will depend on what is most important to you.
  • When choosing an insurer, compare all the factors, coverage, reputation, stability, and available hospitals and doctor, not just cost.
  • IMG is the international insurer with the lowest cost plans and the best ranked customer service. 
  • Cigna Global is the most popular expat insurance companies with a balance of price and benefits.
  • World Trips Insurance is only recommended for tourists, not expats living overseas.

What Is An Expat Medical Insurance Company?

A specialty health insurance company that designs and offers policies protecting expats living abroad with healthcare and emergency medical assistance services. Generally, there are two types of expat insurance options offering worldwide coverage:

  1. Expat Medical Insurance Providers
  2. Travel Health Insurance Providers

 Both types of insurance companies have some common benefits:

  • Offer emergency assistance services if you are sick, injured, or in an accident overseas.
  • Can cover a wide range of medical expenses, from a sprained wrist to emergency evacuation.
  • Often multilingual, providing critical peace of mind when you are living far away from home in a foreign country that may not speak your language.
  • Some providers include a translator to ensure proper communication between you and your doctors when describing your condition and treatment.
  • International medical companies often include repatriation and evacuation, providing lifesaving protection in countries with inadequate healthcare systems, inexperienced doctors, and substandard hospitals or where medical treatment is unavailable locally.

"very few [health insurance companies] pay for your medical evacuation back to the United States. Medical evacuation can cost more than $50,000, depending on your location and medical condition."

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.

What are the top 12 best expat medical insurance companies?

Cigna Global

FINANCIAL RATING:

A

CUSTOMER REVIEWS

Cigna is one of the best expat medical insurance companies in the world
  • Most popular expat medical insurance company
  • Customizable plans allowing you to pay for only the coverage you need, while offering flexible monthly rates
  • Extensive global medical network of over 1.65 million hospitals and healthcare professionals in over 200 countries

Average Cost 

$$

Maximum Limits

$1,000,000 - Unlimited

Travel or International Medical

International Only

Ideal For- Older expats with health concerns or chronic conditions

GeoBlue

FINANCIAL RATING:

A-

CUSTOMER ReVIEWS

  • Offers global citizens several types of plans, from trip insurance to premium level comprehensive international medical coverage
  • Has a global private network of 1.7 million healthcare practitioners, clinics, and hospitals in 190 countries.
  • The largest expat insurance company in the world. Part of US insurance company Blue Cross Blue Shield that protects 1 in 3 US citizens.

Average Cost 

$$$

Maximum Limits

Unlimited

Travel or International Medical

BOTH

Ideal For- American expatriates who need comprehensive benefits and frequently return to the US

Azimuth Meridian Insurance

FINANCIAL RATING:

A

CUSTOMER ReVIEWS

Azimuth Meridian Expat Health Insurance Company Logo
  • Choice of the best medical treatment available, from any doctor, anywhere in the world.
  • Eligible international health insurance plans get access to Aetna's excellent PPO network of hospitals and healthcare providers in the United States.

Average Cost 

$

Maximum Limits

$5,000,000

Travel or International Medical

INTERNATIONAL ONLY

Ideal For- Expats with no  looking for a generous, feature-rich, but very affordable healthcare

Safety Wing

FINANCIAL RATING:

A++

CUSTOMER ReVIEWS

  • Travel medical and trip insurance that you can purchase without long-term commitments or annual contracts.
  • You can sign up and start your coverage abroad, even after leaving your home country.
  • Very restrictive limitations and exclusions for pre-existing conditions and chronic illness.

Average Cost 

$

Maximum Limits

$250,000

Travel or International Medical

TRAVEL ONLY

Ideal For- Younger digital nomads with no pre-existing conditions needing travel health insurance.

Now Health International

FINANCIAL RATING:

A+

CUSTOMER ReVIEWS

  • Merged with Doctor's Best insurance to offer award-winning international medical insurance to 125,000+ expats
  • Access to over 1 million healthcare practitioners and hospitals in 200+ countries, including United Healthcare for US eligible plans.
  • Concierge service for the best specialists if you need medical care outside your country of residence.

Average Cost 

$

Maximum Limits

$4,500,000

Travel or International Medical

INTERNATIONAL ONLY 

Ideal For- Expats wanting exceptional customer service and affordable overseas medical insurance 

Foyer Global Health

FINANCIAL RATING:

N/A

CUSTOMER ReVIEWS

Foyer global health insurance company logo
  • Leading global health insurer and service provider for globally mobile digital nomads and expats since 2014.
  • Freedom of choice- no restrictions to a specific network of providers. Consult the private doctors or hospitals of your choice.
  • No overall annual limit on coverage.

Average Cost 

$

Maximum Limits

UNLIMITED

Travel or International Medical

INTERNATIONAL 

Ideal For- Expats in Europe who need premium coverage with few limits or restrictions. 

IMG- International Medical Group

FINANCIAL RATING:

A

CUSTOMER ReVIEWS

IMG is consider the best international health insurance company's customer service
  • 25 international health insurance plans from travel medical (Patriot Plus) to international medical (IMG Global Medical)
  • Highest-ranked customer satisfaction of any expat medical insurance company on the list
  • Insuring expats in 190+ countries with 800,000+ doctors and healthcare facilities worldwide

Average Cost 

$

Maximum Limits

$1,000,000 – $8,000,000

Travel or International Medical

BOTH

Ideal For- Younger expats looking for affordable overseas coverage with optional benefits

William Russell

FINANCIAL RATING:

A+

CUSTOMER ReVIEWS

william russell is the best medical insurance for expats who don't need to travel to the US
  • Not just an international health insurance company, William Russell also offers expat life insurance and income protection.
  • An international network of over 40,000 healthcare facilities and doctors around the world.
  • Offers comprehensive medical benefits, including the latest cancer treatment and therapies, such as $6,000 in cancer genome testing.

Average Cost 

$

Maximum Limits

$1,500,000 - $5,000,000

Travel or International Medical

INTERNATIONAL ONLY

Ideal For- Expats needing personalized healthcare and only need limited coverage for the United States

Trawick International

FINANCIAL RATING:

A+

CUSTOMER ReVIEWS

  • Purchase travel medical and trip insurance coverage even after you left your home for trips between 5 days to 6 months
  • Obtain documented COVID-19 coverage to allow entry into restricted countries.
  • Policies are confirmed and insurance cards issued immediately with a visa letter to show to immigration as proof of insurance.

Average Cost 

$$

Maximum Limits

$500,000

Travel or International Medical

TRAVEL ONLY

Ideal For- US Citizens outside the USA needing inexpensive emergency coverage for < than 180 days 

Allianz

FINANCIAL RATING:

A+

CUSTOMER ReVIEWS

  • Global coverage of 1.3 million health providers allowing anytime, anywhere access to medical care
  • Offers comprehensive international medical insurance with modular add-ons allowing you to tailor your coverage and insurance costs.
  • Offers both travel medical and international health insurance to meet the needs of nomadic solo travelers and expat families.

Average Cost