Insurance for US Citizens Abroad
Medicare stops at the US border and most domestic health plans pay little or nothing overseas, so Americans living or traveling abroad long-term need a plan built around that gap. These providers specialize in coverage for US citizens outside the country, including options that keep a home address on file for tax and residency purposes.
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International Medical Group provides Global Medical Insurance and Patriot International plans specifically designed for US citizens living or working outside the United States.
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GeoBlue, backed by Blue Cross Blue Shield, offers Xplorer plans with direct access to a network of international doctors and hospitals for US citizens abroad.
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Cigna's international health division sells long-term expat plans to US citizens living overseas with customizable modules for inpatient, outpatient, and evacuation coverage.
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Travel insurance with emergency medical coverage up to $250,000 for US citizens abroad
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SafetyWing sells Remote Health and Nomad Insurance subscriptions to Americans abroad with monthly billing and flexible coverage without a fixed end date.
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Seven Corners offers plans for Americans living, working, or serving as missionaries abroad, including Liaison International Multi-Trip and Global Citizen long-term options.
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Aetna's global division sells individual international health plans to US expatriates living outside the United States with tiered coverage for inpatient and outpatient care.
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International health insurer covering 176 countries with five plan tiers and direct provider billing across two million healthcare facilities.
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International health insurer serving globally mobile individuals with direct billing and no specialist referral requirements.
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HTH Worldwide offers short-term and long-term travel medical plans including TripProtector and Global Citizen coverage with protection in over 190 countries.
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Global health insurer serving expats across 200+ territories with 2M providers
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Established US travel insurer providing trip and medical coverage plans for American citizens traveling or living temporarily abroad.
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International insurer serving expats and diplomats in 170 plus countries for over 70 years with health and property coverage bundled together.
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Healthcare specialist with 500,000+ members offering expat coverage since 1974
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60-year specialist with Diplomat LT plan providing up to $1M coverage for long-term expats
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Expat insurer covering 200 territories with affordable plans starting at $29 per month and access to one million medical facilities.
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UK-founded William Russell sells international health plans to expats including Americans, underwritten with Allianz, with four tiers from Bronze to Gold level coverage.
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Travel medical insurer offering Atlas plans with customizable coverage options
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French-based insurer offering MyHealth International coverage to US expats and digital nomads across 180 countries with direct-billing hospital networks.
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Arch Insurance brand offering emergency evacuation and sickness coverage with A+ rating
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International health insurer with 7,000 hospitals in its global provider network
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Member-based health insurance for Americans abroad administered by MSH International and backed by Groupama GAN Vie since 1987.
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Luxembourg-backed expat insurer serving 180 plus countries with unlimited annual medical coverage and teleconsultation in multiple languages.
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Travel medical insurance specialist founded in 1998 offering emergency evacuation and repatriation coverage for Americans outside the USA.
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45-year provider of travel and expat medical coverage including H1/L1 visa holder plans
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Cologne-based digital nomad insurer offering Traveler and Native plans covering 193 countries with focus on long-term international living.
Frequently asked questions
What is the difference between travel medical insurance and international health insurance for expats?
Travel medical plans are often used for temporary trips or short-term stays. International health plans are designed for long-term living or working abroad and often include customizable modules for outpatient care and more extensive coverage.
Can I find a plan that doesn't require a fixed end date?
Yes. Some providers offer subscription-based models with monthly billing and flexible coverage that doesn't require a specific end date.
Will I have to pay doctors upfront and wait for reimbursement?
Many international insurers offer direct billing to healthcare facilities or provide access to networks of doctors and hospitals to streamline the payment process. This helps avoid large out-of-pocket expenses during medical visits.
Do these plans cover both hospital stays and doctor visits?
Yes. Many options offer tiered or modular coverage that allows you to choose between inpatient care, outpatient care, and emergency medical evacuation.
Are there plans specifically for people who work remotely or move frequently?
Several providers specialize in coverage for nomads, remote workers, and globally mobile individuals. These plans are built to accommodate people who live or work outside the United States without a permanent fixed location.