Expat insurance USA, Best expat health insurance

Expatriate insurance is long term comprehensive global medical insurance for expats living outside their home country.

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Age of the applicant
Applicant ’s spouse
Dependent under 18
Country of citizenship
Countries where coverage is required
Where is the mailing address
Where does the applicant currently reside?
Do you live/work on a boat?

What does visitor travel insurance cover?

Health care expenses
Covers hospital expenses for sickness or accidents.

Doctor visit
Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions
Some plans insure acute onset of pre-existing conditions.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains
Repatriation of remains to home country included.

Expatriates worldwide – An overview

An expatriate is broadly defined as a person who lives outside his or her native country. In 2015, it is estimated that there are over 230 million expatriates worldwide. This number has grown from barely 70 million in the last 50 years. Today Expatriates make up about 3% of the global population, and if there were an independant country, they would be the fifth most populous nation.

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International Private Medical Insurance (IPMI)

We offer several International Private Medical Insurance (IPMI) plans offered by different reputed US based providers. These international medical insurance plans are popularly known as Global medical insurance or Expatriate insurance and they provide long term cover to people working or living outside their home country, usually for one year or more.

The expat health insurance are ideal for expatriates and their families, individuals with dual residences and multinational employers. Since these International medical insurance plans are designed to provide long-term, worldwide medical health insurance cover, it allows expats to receive and continue treatment anywhere in the world that they choose.

Resourceful travel insurance information for new customers

Find the best travel insurance

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How does travel insurance work?

Claims process for expenses due to injury or sickness
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How to buy travel insurance?

Step by step guide to buying the best travel insurance online
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Travel insurance glossary

Commonly used international travel insurance terms
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Travel insurance for specific groups

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
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Compare travel insurance plans

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What is Expat health insurance USA?

Expatriates living outside their country of citizenship may not qualify for medical insurance from their adopted country or they may want to have health insurance plans for Expats & Global citizens that can work for them wherever they are so they have the option of traveling and living anywhere in the globe without buying additional medical insurance.

In this case, expatriate health insurance plans are the right option! Expats can buy expatriate health insurance USA to begin from the day you leave your home country or after you have already arrived in your adopted country.

The expatriate health insurance plans must go through the company's underwriting process, so you may have to submit medical information (the process may be easier if you have some access to these medical records). A great advantage to these expat health insurance plans is that once you are accepted on the plan, you are guaranteed the policy year after year.

The price will increase with age, not based on any medical conditions you may develop along the way and you cannot be removed from the policy. There are great health insurance plans for Expats & Global Citizens available whatever your adopted country may be! Feel free to see the expatriate health insurance reviews as we are dedicated to getting you the best option for the best price!

Expatriates Worldwide - Some facts and figures

There are 55 million expatriates worldwide.
High Expat countries (countries with large number of Expatriates)
USA 5 million Canada 1.6 million
Russia 1.4 million Spain 1.3 million
India 1.4 million Australia 1.5 million
Saudi Arabia 8.9 million UAE 5.4 million
Qatar 1.4 million Kuwait 1.4 million

Rising health care costs worldwide

The cost of health care is rising globally for many different reasons such as greater demand for quality health care, better informed customers, unhealthy sedentary lifestyles, higher incidence of chronic ailments, aging populations ....

International travellers and Expatriates who live and work outside their home country are vulnerable to paying high out of pocket medical expenses if they have an accident of fall ill unless they have adequate international medical insurance.

American Expatriates

There are 9 million US citizens live overseas. 40 Percent of US citizens have passports. There are 128.2 million valid US passports in circulation. US citizens take 73 million trips abroad every year. The US expatriate mostly belong to the following categories:

  • Working Professionals : This group are often on limited length assignments and are most likely to return to the US after their assignment is completed.
  • Lifestyle migrants and Pensioners: This group of Americans move abroad in search of a better way of life, warmer weather and a cheaper cost of living. This includes an increasing number of pensioners and retirees.
  • This includes US citizens relocating back to their countries of origin where they or their ancestors migrated from to the United States.
While there is no reliable data collected on American expatriates and their locations, the following are estimates of locations with the largest number of US expats.
Number of US expats abroad
Mexico Around 1 million Canada Around 1 million
Philippines Around 500,000 Germany Around 300,000
Israel Around 200,000 United Kingdom Around 200,000
Puerto Rico Around 100,000 Costa Rica Around 100,000
South Korea Around 100,000 France Around 100,000

Expat Insurance USA for expatriates USA working overseas and US pensioners living abroad

It is important for US Expats to have proper expat health insurance USA wherever they live. At American visitor insurance, we work with different well known insurance companies to offer a wide range of health insurance options for U.S. Expats. Good expat medical insurance USA will provide health insurance coverage around the globe as well as provide Expatriates the option of getting their healthcare taken care in the United States.

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Expatriate insurance plans, Expat medical insurance USA - FAQ's

Does expatriate health insurance cover covid19 illness?

There are some USA Covid travel insurance plans available for travel that cover covid19 as a new illness. International travelers can compare best Covid travel insuranceplans and buy it online. These US covid travel insurance plans are available for visitors to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.

Is it necessary to purchase expatriate health insurance?

It is important to be aware that the domestic health insurance of your home country usually does not provide coverage while outside your countries borders. As a foreign citizen, an expatriate will not be eligible for local subsidized medical care. Another very important factor is the varying price of healthcare in different parts of the world.

It should be noted that the quality and price of healthcare can vary significantly even within a country. It is therefore important to have good worldwide health insurance so that you can access quality healthcare wherever you are currently residing.

What is the importance of Cancel for any reason cover?

You have a broad range of expatriate medical insurance options. There are basic fixed benefit plans which provide a fixed coverage for different medical treatments which suffice for basic health care, there are also comprehensive global health insurance options which provide extensive healthcare cover up to the policy medical maximum up to 8 million US Dollars.

Along with medical coverage, there are also options for preventive care, vision, dental benefits as well as medical evacuation.

What are the benefits of buying Expat medical Insurance?

Following are some benefits that are are covered by the Expatriate medical insurance:

  • Coverage for Wellness, Preventive Care and Vaccination
  • Coverage for transplant procedures
  • Pre-existing conditions coverage
  • Dental and Vision Coverage
  • Global term life insurance coverage
  • Sports Coverage
  • New born care, Maternity and Pregnancy coverage
  • Long term comprehensive medical insurance coverage with choice of different plan maximums

What is the cost of expatriate health insurance?

The cost of international health insurance for expatriates varies depending on the insurance company and the plan chosen. The main factors on which the cost of expatriate insurance depends on are the age of insured, the medical maximum chosen, the deductible for the plan, the geographic region where you want coverage, the payment frequency option (monthly, quarterly or annually) as well as any add-on coverage, The fixed benefit expat insurance options (which have fixed limits for different coverage) are significantly cheaper than the comprehensive expatriate health insurance plans (which have no limits for different treatments up to the medical maximum).

International health insurance blogs and articles

Retiring Abroad and Health Care Coverage

Health care coverage for retirees, insurance plans available for retirees to avail health care abroad.

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Global Medical insurance for pregnancy

Long term worldwide coverage for pregnancy and maternity expenses for travelers outside their home country.

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Expat insurance by Geoblue Xplorer

Geoblue Xplorer health insurance for global citizens and expatriates.

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Expat insurance by International Medical Group

These plans are for long term (more than a year) worldwide medical coverage for individuals and families.

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Resourceful medical expat insurance information

Expat health insurance resources

Expat health insurance resources

Expat travel insurance resources for global travelers.

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Factors for expat travel insurance

Factors for expat travel insurance

Important factors while deciding on the best travel insurance for expatriates.

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Types of expat travel insurance onlines

Types of expat travel insurance onlines

Understanding different types of expat health insurance plans.

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Expatriate health insurance claims process

Expatriate health insurance claims process

Expat health insurance online claims process for getting medical care in a hospital.

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Covid19 US health insurance for Expats for coronavirus

These are unsettling times particularly for expats living outside their home country. Many expats currently outside their home countries are unsure of their health care and available expat insurance options. It is important to buy available global expatriate medical insurance quote options soon.

If you are an expat and do not have international health insurance or if it will run out soon, do consider buying an alternative worldwide health insurance coverage plan right away while options are still available. At American Visitor Insurance we are committed to getting you the most appropriate policy you need even under these difficult circumstances.

The following companies are offering Expat medical insurance which includes coverage for Covid19

GeoBlue Covid Insurance

GeoBlue offers Xplorer Premier insurance with Covid19 coverage. Diagnostic testing for COVID-19 is covered without copay or other member contribution. Treatment for COVID-19 is covered as an Illness under the policy, unless a member failed to depart a country within a reasonable time from the date the country became subject to a level-3 travel warning by the CDC, or similar travel warning from that country’s government.

Members remaining in a country in that circumstance would not be covered for COVID-19, but otherwise would retain all coverage under the policy within its normal terms and conditions. Preventive quarantine in a hotel, cruise ship or any other location would not be covered. The plan would cover medical evacuation if deemed medically appropriate for the illness/injury, subject to the usual plan provisions.

For existing members with long-term coverage, they retain all coverage under the policy within its normal terms and conditions. In addition, the plans are waiving copay and other member contribution for diagnostic testing for COVID-19 and for covered treatment once diagnosis occurs.

International Medical Group covid insurance

International Medical Group offers Global medical insurance with Covid19 coverage for international expatriates and global citizens. It may provide coverage for COVID-19 related care if the expats have purchased and entered the destination country prior to either:

  1. The CDC issuing a Warning Level 3 (avoid nonessential travel) for their Destination Country; or
  2. A government agency of their Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country. Eligible Medical Expenses that may be considered for coverage include, but are not limited to, charges for illness, injury or medical evacuation.

Annual insurance for corporate travelers, yearly travel insurance for Expats

There are many expats who travel regularly from the US to other countries. For expats who are regular international travelers, buying the Annual multi-trip travel insurance works very well. The annual multi-trip insurance insures the traveler for innumerable trip throughout the whole year as long as each trip is limited a fixed duration (usually 30, 45 or 60 days) depending on the multi-trip insurance plan. Please note that the Annual multi-trip travel insurance plans expect you to maintain continuous medical coverage in your home country.
WorldTrips Coronavirus annual travel insurance Atlas Multi trip offers coverage for unexpected medical expenses, including eligible expenses related to Covid19
  • Available for both US and Non US citizens up to 75 years
  • Maximum trip length is 30 or 45 days per trip
Trawick International Covid19 yearly travel insurance Safe Travel Basic/Deluxe/Executive Annual provides annual comprehensive travel medical coverage for COVID19.
  • Available for US residents only up to age 81 years
  • Maximum trip length is 30 days per trip
seven corners logo
Seven Corners annual multitrip covid19 insurance Wander Frequent Traveler Plus covers frequent international travelers and provides Covid19 annual travel insurance
  • Available for both US and Non US citizens up to 75 years
  • Maximum trip length is 30, 45, or 60 days per trip
GeoBlue Coronavirus annual travel insurance Trekker Essential offers coverage for unexpected medical expenses, including eligible expenses related to Covid19
  • Trekker Essential Insurance offers maximum coverage of $50,000 for sickness and accidents.

Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers