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Compare Global Medical Insurance Plans

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When living abroad for an extended period (1 year or more), make sure you have the best health coverage possible to insure you and your family should you need medical care. Below you can review and compare global health insurance plans. The companies compared below offer comprehensive worldwide annually renewable health insurance tailored to the needs of expatriates, global nomads or international citizens. We have selected highly rated insurers with excellent customer service, 24/7 emergency assistance and the most extensive network of doctors and healthcare facilities. We offer three plans; each provides essential as well as more comprehensive options with additional benefits and coverage options. Compare for yourself and then give us a call - our experienced staff of insurance experts can then answer any questions that remain and walk you through the process of applying.

Plan Name IMG Global Medical Insurance Cigna Global Health Options GeoBlue Xplorer Health Plans
Review / Best For Affordable coverage. Good option for budget-conscious individuals or local nationals looking for private medical insurance. High-quality coverage. Best for expats, families or individuals living abroad for one or more years. Flexible plan design to lower costs. Premium level coverage. Great for U.S. citizens living abroad or internationals residing in the USA. Reduced costs if you maintain a U.S. health plan.
Plan Options Bronze, Silver, Gold, and Platinum Silver, Gold, and Platinum with optional modules Xplorer Essential, Select and Premier
Policy Maximum $1,000,000 – $8,000,000 lifetime per individual $1,000,000, $2,000,000 (per year) or Unlimited  Unlimited
Deductible Multiple options from $100 – $25,000 Multiple Options from $0 – $10,000; outpatient visits subject to a separate deductible if elected, no deductible for preventative services Multiple Options from $0 – $5,000; deductible waived for preventative care, office visits, evacuation, and prescriptions
Eligibility All nationalities up to age 74  All nationalities, all ages U.S. citizens up to age 74
Renewable Annually renewable to age 75 (eligible to apply up to age 64)  Lifetime renewable Annually renewable to age 84 (eligible to apply up to age 74)
Coverage Area Worldwide or Worldwide excluding USA, Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan Worldwide or Worldwide excluding the U.S. Worldwide or Worldwide excluding the U.S.
Home Country Coverage U.S. citizens up to 6 months; all others 12 months per 12-month policy period Up to 6 months per 12-month policy period U.S. citizens up to 9 months per 12-month policy period
Pre-Existing Conditions Pending results of underwriting; Platinum immediately, other plans (excluding Bronze) after 24 months Pending results of underwriting; No waiting period if approved without exclusion, specific exclusions may be added to your plan Pending results of underwriting; 6-month waiting period (waived if there is prior creditable health coverage)
Administrator International Medical Group Cigna GeoBlue
Underwriter Sirius International Cigna 4 Ever Life International
Rating A (A.M. Best) A (A.M. Best) A- (A.M. Best)

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