Best Expatriate or Expat Health Insurance
When you are living abroad, whether alone or with your family there are many choices when considering Expat Health Insurance. Some important considerations include:
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- How long a time period do you need coverage?
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- Short Term (up to 3 years) – Travel Medical Insurance can meet your Expat Health Insurance needs if your plan is to stay abroad for 2-3 years, but may not meet your needs for longer periods of time.
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- Long Term (over 3 years) – Global Medical Insurance is designed to meet your Expatriate Health Insurance needs for longer term stays outside your home country.
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- Are you looking for Illness and Injury Protection or comprehensive Coverage?
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- Travel Medical Insurance covers Illness and Injury
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- Global Medical Plans can cover wellness care will be more expensive than illness and injury plans.
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- How long a time period do you need coverage?
Expatriate health insurance provides you and your family with insurance coverage for medical expenses when living and working abroad. Many plans will offer 24/7 assistance, medical evacuation benefits, repatriation of remains benefits as well. Travel Medical Plans are the lower cost options with pricing starting at about $1/day. These plans will cover illness or injury but not wellness care. They are also available for a limited period of time, generally 2 or 3 years maximum. International Medical Plans or Global Medical Plans are highly customizable plans that can provide longer term expat health insurance and can include wellness benefits.
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Short Term Expat Health Insurance – Travel Medical Health Insurance
Travel Medical Insurance offering has a broad range of options to meet differing needs. There are plans designed for anyone (U.S. and non-U.S. residents) traveling out of their residence country, regardless of visa requirements. Cost starts at about $1/day.
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- Patriot America Lite, Patriot International Lite, and Patriot America Plus – Coverage for up to 2 years for illness or injury while you are outside your country of residence. Provided by International Medical Group (IMG). These are the most popular plans for up to 2 years of coverage.
More Details: IMG Patriot Travel Medical Plans
- Patriot America Lite, Patriot International Lite, and Patriot America Plus – Coverage for up to 2 years for illness or injury while you are outside your country of residence. Provided by International Medical Group (IMG). These are the most popular plans for up to 2 years of coverage.
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- Patriot Platinum America and Patriot Platinum International – Coverage for up to 3 years for illness or injury while you are outside your country of residence. Provided by International Medical Group (IMG).
More Details (our partner’s web page): IMG Patriot Platinum Travel Medical Plans
- Patriot Platinum America and Patriot Platinum International – Coverage for up to 3 years for illness or injury while you are outside your country of residence. Provided by International Medical Group (IMG).
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- GlobeHopper Travel Medical with benefits in GBP £, or Euro € – Coverage for up to 2 years for illness or injury while you are outside your country of residence. Provided by International Medical Group Europe (IMGE).
More Details: IMG Europe Globehopper Travel Medical Insurance
- GlobeHopper Travel Medical with benefits in GBP £, or Euro € – Coverage for up to 2 years for illness or injury while you are outside your country of residence. Provided by International Medical Group Europe (IMGE).
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- GlobeHopper Platinum Travel Medical with benefits in GBP £, or Euro € – Coverage for up to 3 years for illness or injury while you are outside your country of residence. Provided by International Medical Group Europe (IMGE).
More Details (our partner’s web page): GlobeHopper Platinum Travel Medical Plans
- GlobeHopper Platinum Travel Medical with benefits in GBP £, or Euro € – Coverage for up to 3 years for illness or injury while you are outside your country of residence. Provided by International Medical Group Europe (IMGE).
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- Atlas Travel Medical Insurance – Coverage for up to 3 years for non-US destinations (1 year for US destination) for illness or injury while you are outside your residence country. Provided by WorldTrips HCC Tokio Marine.
More Details (our partner’s web page): Atlas Travel Medical Insurance
- Atlas Travel Medical Insurance – Coverage for up to 3 years for non-US destinations (1 year for US destination) for illness or injury while you are outside your residence country. Provided by WorldTrips HCC Tokio Marine.
Compare Short Term Travel Medical Plans on our partner’s website: Compare Short Term Travel Medical Plans
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Long Term Expat Health Insurance – Global Medical Insurance
IMG Global Medical Insurance plans address the insurance needs of Global citizens who need long-term, annually renewable, comprehensive worldwide medical insurance for individuals and families. IMG Global Medical Insurance Bronze plan is a low cost offering covering hospital In patient care. Silver and Gold plans add more benefits. The IMG Global Medical Insurance Platinum plan is comprehensive and covers wellness care, maternity, dental, and vision.
These Plans are highly customizable to meet your needs:
- Medical Benefits from $1,000,000 to $8,000,000
- Deductible options from $100 to $25,000
- Four plan options and additional optional coverage
- Choice of coverage area to reflect your geographical area of need
- Freedom to seek treatment with hospital or doctor of your choice
Compare IMG Global Medical Insurance Plans: IMG Global Medical Insurance Plans
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Need Help?
- If you would like help finding a plan to meet your needs, Contact Us. Our Experts are here to help you 7 days a week.
updated 5/12/2022
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I have Medicare part AQ and B as well as a supplement plan but want to look into getting my wife covered on a health insurance plan. She is 27 years old and in good health, no meds taken or issues of any kind. We currently live in Belize and would probably get much of our medical needs filled in Mexico of possibly in America.
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Thanks for your interest. It sounds like your wife is a resident of Belize.
If she needs insurance to protect her in Belize as well as Mexico or the US, you will need to purchase Global Medical Insurance. You can see more about your options here: https://www.j1insurance.net/blog/img-global-medical-insurance/
The Gold Plan is the most popular. You can choose your deductible level, as well as choosing to include coverage in the US (adding US coverage will make the plan more expensive). This plan is designed to cover your wife for a long time if you continue to need it.
The Bronze Plan is less expensive and designed to cover mostly hospital/surgical expenses.
The Platinum Plan is designed to provide our most comprehensive coverage and is more expensive.
If you don’t need coverage for your resident country of Belize, you just need coverage for travel, I have less expensive plans to show you. So, let me know if this is what you need.
You mentioned that you are on medicare. If you need out of the US coverage to supplement your Medicare coverage, I have plans designed for that too.
Please look over the Global Plan benefit details, and let me know what questions you have. I’m glad to help.
Thanks