Expat and Long-Term Health
Real international health insurance for Americans living abroad for a year or more, closer to a full major medical plan than a travel policy. Built for routine care and check-ups too, not just emergencies, with annual renewal instead of a trip end date.
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Expatriate Care insurance from Chubb covering short-term and out-of-country medical needs with 24/7 assistance
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International private medical insurance from one of the largest health insurers in the world, sold in three tiers (Silver, Gold, Platinum) that you build out with optional outpatient, mental health, and dental modules. It's aimed at people actually living abroad, not passing through.
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International health insurance from a major UK healthcare group covering worldwide medical needs for long-term expatriates.
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GeoBlue's long-stay plan for Americans and their families living outside the US for more than six months, built on the same Blue Cross Blue Shield network as its shorter Voyager plan but priced and underwritten for continuous residence abroad rather than a single trip.
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Private medical insurance for expatriates and families from CVS Health's Aetna International covering routine and long-term care abroad.
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Allianz's international private medical insurance arm, selling long-term expat health plans backed by one of the largest insurance groups in the world. Plans scale from an entry-level International Health Plan to a comprehensive tier with worldwide coverage including the US.
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IMG's answer to full international health insurance, built for expats and their dependents rather than single-trip travelers, with a benefit schedule that reads closer to a US employer health plan than a travel policy.
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Travel assistance and medical coverage with emergency repatriation, operating in 190+ countries since 1973
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Specialist expatriate health insurer founded in the UK in 1992, focused on expats and remote workers living abroad long-term.
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Global health insurance provider with 2+ million medical providers in 190+ countries
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A Hong Kong-founded international health insurer that has expanded into a genuinely global expat product, covering more than 200 territories with plans built around a large multinational hospital network rather than a US-centric one.
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France-based international health insurer offering modular expatriate medical plans for individuals, families, and corporate relocations.
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UK-based international private medical insurance since 1982 with lifestyle rewards up to 25% discount
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Long-established expat insurer since 1997 covering 300,000+ expats in 100+ countries
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Seven Corners' long-stay medical plan for Americans living outside the US, sold in Economy, Choice, and Elite tiers with rolling terms that renew rather than lapse at a fixed date, unlike its shorter RoundTrip trip-cancellation plans.
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UnitedHealthcare global expat coverage for multinational employees across 150+ countries
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Expat health insurance from Generali Group with 190+ years of insurance heritage and expanded global reach
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Munich Health specialist for expats with CoGenio and YouGenio plans and no age limits
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UK-based international health insurance with 20+ years experience and Protector Plans for expats
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Customizable expatriate health insurance from ACS-AMI with direct hospital billing globally
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German-licensed insurance for digital nomads and expats with dental, mental health, and maternity coverage
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UK expat health insurance with direct settlement networks and choice of three plans
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French international health insurer specializing in expatriate coverage and corporate mobility with long-term global medical plans.
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Prepaid card health insurance for expats and nomads with instant settlement and zero claim delays
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International expat and student health insurance covering 180+ countries since 2015
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Spain-based insurer offering international expat coverage in 160+ countries through DKV Mundisalud
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Medical assistance and evacuation service with 27 assistance centers and optional third-party coverage
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Expat insurance broker specializing in customized plans with CIGNA International at potentially lower premiums
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Fort Lauderdale-based expat and maritime insurance with elite physician networks across 180+ countries
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Travel and expat insurance with customizable plans for worldwide stays and flexible coverage
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20+ years in visitor and expat health insurance with comprehensive coverage for routine and emergency care
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Medical insurance for international travel and extended expat stays with flexible plans and emergency evacuation
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Luxembourg-based international health insurer with long-term expat medical plans and worldwide coverage for globally mobile families.
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Regional expat medical insurance through Liberty International covering accident and health for overseas assignments
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Swiss cooperative health insurer offering Globality CoGenio coverage for Swiss expats living abroad
Frequently asked questions
How is expat health insurance different from standard travel medical insurance?
Expat insurance is designed for long-term living and covers routine care, check-ups, and outpatient needs rather than just emergencies. These plans feature annual renewals instead of ending when a specific trip concludes.
Can I find coverage that includes mental health or outpatient services?
Yes, many providers offer modular or tiered plans that allow you to add specific coverage for outpatient care and mental health. You can build out your policy with these options to better suit your daily medical needs.
Will these plans cover my family members if I relocate?
Several of the listed insurers offer specific plans built for families and dependents living abroad. This makes it easier to secure comprehensive coverage for your entire household under one provider.
Do these plans work if I am a remote worker living abroad?
Some insurers specialize in coverage specifically for remote workers and long-term expatriates. These plans are structured to provide ongoing medical support for people who don't have a fixed home base in the US.