Expat or Expatriate Health Insurance provides Long-Term, Annually Renewable Health Coverage for those who live outside of their home country.
Renewable”, “Long Term” or “Expatriate” are different from travel insurance, they provide U.S. style health insurance benefits. These overseas medical insurance plans cover you in your new country and often can also cover you back home. One of the great advantages of having an international insurance policy is that you can travel to other countries to receive the best care available.
All of these plans require medical underwriting and usually take about 1-2 weeks from application time to approval. Some offer coverage for pre-existing conditions with a letter from your current insurance company, but most do not.
VUMI, new to the expat market has competitive pricing that is a great deal for the expat. Well known in Mexico and all over Latin America, this plan fits the budget from expat family to retiree, it won’t break the bank. It comes in three versions: Bronze, Gold and Platinum.
WEA The World Expatriate Association offers a great plan for expats at a great price. Well known in Mexico and other parts of Latin America, their reputation is strong and their customer service is excellent. WEA Signature plans come in 3 levels to suit your budget and can offer coverage in your home country as well. WEA offers the best maternity coverage for couples looking to start a family soon.
Cigna specializes in providing expatriate health plans that are designed to give comprehensive overseas medical cover for people who are living and working abroad. The Core International Medical Insurance plans gives you and your family cover for essential hospital stays and treatment, cancer and psychiatric care . Maternity cover is also included in our Gold and Platinum plans. The Cigna plan then allows you to add only the extra benefits you need. If you are in a country where medical care is cheap, don’t add outpatient coverage, if somewhere more expensive then you can add it. This helps you keep your costs down and allows you the flexibility to get only the coverage you need.
Global Medical Insurance is a long-term, annually renewable, U.S. style major medical insurance plan designed for U.S citizens living abroad or foreign nationals throughout the world. It provides two coverage areas: Worldwide and Worldwide excluding the U.S. and Canada. These plans have an option in the platinum plan to cover pre-existing conditions, although one still has to be approved for the plan. This company has been in operation longer than any of its competitors. There are three plan options available: Silver, Gold and Platinum.
Geo Blue is the insurance plan with the most comprehensive benefits on the market. They are a leader in not only establishing a network of highly trained and skilled doctors, but also in creating mobile apps to seamlessly assist you in getting the medical care you need. GeoBlue’s premier international health insurance plan is tailored for long-term global living with worldwide, annually renewable major medical coverage in and out of the U.S. With no time limits on the US coverage, but an expectation of 6 months outside the USA. This plan is perfect for the executive and his family who reside overseas or any expat who wants the best benefits on the market. *Available to US citizens and residents
GeoBlue’s international health insurance plan, tailored for long-term global living with worldwide, annually renewable major medical coverage outside of the USA. Similar in benefits to the Premier plan, but without any coverage inside the USA. Perfect for a senior who has medicare when they are in the states or those who spend little to no time inside the USA. About ½ the cost of the premier plan and competitive with other plans on the market with similar benefits. *Available to US citizens and residents
Meridian Basic and Meridian Enhanced are long-term, annually renewable, U.S. style major medical insurance plan designed for U.S citizens living abroad or foreign nationals throughout the world. It provides two coverage areas: Worldwide and Worldwide excluding the U.S. and Canada. They have excellent customer service, but not as much rate stability as some of their competitors, but often will have a lower entry point. They offer both full benefit plans, and fixed benefit plans.