Best international health insurance for travel

Compare and buy the best international health insurance plan

1. Applicant age
2. Applicant ’s spouse
3. Dependent under 18
4. Citizenship
5. Coverage Region
6. Current Residence
7. Mailing address
8. Do you work on a boat?

Global health insurance plans

These global medical insurance plans are designed to provide worldwide coverage for both non-US citizens and US expatriates anywhere in the globe. These global health insurance plans offer best international health insurance for travel worldwide and will respond to global travelers medical needs.

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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.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses

Repat of remains

Repatriation of remains to home country included.

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions.

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Typical global health insurance customers and expatriates

  • United States Citizens living outside the US for at least 6 months during the year. The six month stay outside does not have to be contiguous.
  • Foreign nationals (non-US Citizen) living in their home country, but want quality US health insurance coverage. For example, Canadian or Mexican citizens who would like to access US health care.
  • Foreign nationals living outside their home country for extended period of time.
  • Foreign National living in the US, but who are not eligible for an US domestic carrier's plan.
  • Complete the quote form given and Get Quote
  • In the summary page showing the available plans, select the plans that suit your requirement if need to compare
  • Compare the plans and choose the best suited plan.
  • Click the 'Buy now' button to purchase the plan online by filling out the application
  • After successful completion of purchase transaction, you will receive a confirmation email from the company with your ID Card and policy letter details attached to the email.
  • Premium: Amount you pay to purchase medical insurance plan. Premium may be paid monthly, quarterly, semi-annually, annually or for entire duration of the coverage depending upon the insurance policy you purchase.
  • AM Rating: The A.M. Best Company is considered the most authoritative source of Insurance company information. The company provides comprehensive data to insurance professionals. Founded in 1899 by Alfred M. Best, A.M. Best is the world's oldest source of insurance company ratings and information. Its Best's Ratings are the industry's standard measure of insurer financial performance.Please note these ratings are assigned to usually the insurance underwriters of the policies you purchase and not to the policy or the policy administrator or the insurance agent.
  • Deductible: Amount to be paid by the insured person before the insurance company begins to pay for the covered expenses. Deductible may be either per sickness/injury or once per policy period or once per year depending upon the insurance policy you purchase. You will not get receive any reimbursement later from insurance company for the deductible you pay.e.g., Let us consider that you have purchased an insurance policy with a $50,000 policy maximum, $250 deductible per policy period and 80/20 co-insurance.Suppose you incur a covered expense of $10,250; then the insurance company will pay the covered expenses according to policy terms after you make a a payment of the deductible (i.e. $250).
  • Hospitals: A type of health care policy plan that provides coverage benefits for the cost of any or all hospital services.
  • Policy Maximum: Maximum amount of money that the insurance company will pay for covered expenses. Policy maximum can be either per policy period, per year, life time or per injury/sickness depending upon the insurance policy you purchase.
  • Co-insurance: After paying the deductible, percentage or amount of covered expenses that the insured pays.For example, an insurance policy brochure may mention that the policy will pay 80% of the first $5,000 and 100% thereafter of the usual and customary charges;In some health insurance plans, it is also called "co-payment".
  • Pre-existing conditions: A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that existed at the time of application or during the past duration(specified by each insurance plan) prior to the effective date of the insurance, including any subsequent, chronic or recurring complications or consequences related to thereto or arising thereffrom.
  • Repatriation: If a covered illness/injury results in a death, expenses for repatriation of bodily remains or ashes to the country of residence.

USA travel insurance coverage highlights:

What does Travel Medical Insurance cover? What is travel Insurance USA?

Some of the other important travel health insurance for USA benefits are listed below. Travelers can compare visitor travel insurance to review specific coverage details offered by the different companies and insurance plans.

Medical coverage for accidents and emergency medical ailments
The high cost of healthcare in the US makes it imperative for travelers to have good travel health insurance while traveling outside ones home country. The best travel insurance medical maximum coverage varies based on the travel insurance plan chosen, however travelers have the option of getting coverage up to $1,000,000. The available medical maximum coverage however decreases for travelers over 70 years.

Doctors visit
This allows travelers to visit Doctors for sudden unanticipated medical ailments (continuing treatment for pre-existing ailments and preventive care are not covered). The Co-pay and deductible will vary depending on the travel insurance plan chosen, travelers do have the option of No Co-pay and $0 deductible.

Pharmacy drugs
Doctor prescribed eligible pharmacy drugs are covered up to $50,000, but this varies from plan to plan.

Coverage for pre-existing conditions
A pre-existing condition is a medical ailment that existed before the start of the visitors insurance cover. There are various conditions that are considered as pre- existing diseases but some of common ailments in this category are Asthma, heart related issues, high blood pressure, kidney disease, cancer, diabetes etc. It is quite challenging to find visitor insurance that covers pre-existing conditions. Not all travel insurance plans cover pre-existing conditions. INF is one of the few companies which offers USA travel insurance plans for visitors to the US with full coverage for pre-existing ailments. INF offers best travel insurance for pre existing medical conditions with full Pre-Existing conditions coverage. This means INF visitors insurance with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are covered by the INF Premier insurance and INF Elite Plan. Compare the best travel insurance for pre existing conditions.

Emergency surgery treatment will be covered. The maximum available amount for surgery is typically $50,000, but this varies from plan to plan.

Medical Evacuation
The best travel insurance provides coverage for medical evacuation up to $1,000,000 if the traveler has to be evacuated to get access to proper medical treatment in the event of a medical emergency.

Repatriation of remains
The repatriation of remains benefit pays for the repatriation expenses back to the home country in the event of death of the traveler for any reason. While this depends on the travel insurance plan chosen, one can get repatriation coverage up to $50,000.

Emergency dental coverage
Emergency dental coverage up to $300 is available for acute onset of pain to natural teeth.

Given all these benefits, it is important that international travelers buy the best travel insurance given the relative low cost of travel insurance when compared to the cost of healthcare. This is particularly important for Seniors citizens, as older travelers are most vulnerable and likely to need the benefits offered by the best USA travel insurance plans.

Exclusions under visitor insurance USA

Exclusions under visitor insurance in the US depend on the specific insurance policy and provider. However, some common exclusions in US visitor insurance plans are:

1.  Routine check-up and preventive care: Visitor insurance plans do not cover routine check-ups, preventive care, and other non-emergency medical services.

2.  Mental health and substance abuse: Some visitor insurance plans exclude coverage for mental health services and substance abuse treatment.

3.  High-risk activities: Certain high-risk activities, such as extreme sports or adventure activities, may not be covered under regular visitor insurance plans. It is possible to get an add-on benefit to coverage sporting activity

4.  Acts of terrorism and war: Visitor insurance plans may exclude coverage for injuries or illnesses that result from acts of terrorism or war.

5.  Pre-existing conditions: Some visitor insurance plans do not cover medical expenses related to pre-existing conditions while other may provide limited coverage for pre-existing ailments.

Please use the Visitors insurance compare tool on American Visitor Insurance to review the coverage benefits as well as read the policy brochure to understand what is not covered.

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Travel insurance glossary

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us expatriate insurance

Global medical insurance for expats

The plans offer comprehensive major medical coverage in all countries including the USA. Global plans are designed for the special needs of US expatriates outside USA, regular international travelers, United States H1B, H4 visa holders and Green Card holders,sailors and cruisers. The medical benefits offered under this coverage includes maternity, mental health, wellness (preventive check ups) and medical evacuation.

Global comprehensive plans are renewable long term plans and have a very high limit on the maximum coverage. There are many insurers in the market who offer these plans. Customers can get quotes, compare benefits and buy the plan of their choice with ease on our website.

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Find the best US Immigrant insurance for your needs

Compare Popular Global medical insurance benefits

Compare Global Medical Insurance IMG

Compare benefits offered by International Medical Group's Global Medical Insurance

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Compare Xplorer Insurance Geoblue

Compare benefits offered by GeoBlue's Xplorer Premier and Xplorer Essential Insurance

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Compare Global Medical Insurance

Compare benefits offered by popular global plans from International Medical Group and GeoBlue.

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Compare Expat Health Insurance

Compare benefits offered by best long term health insurance for expats

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Benefits of buying Xplorer premier insurance

The GeoBlue Xplorer Premier plan provides:
  • Ability to customize the plan to suit your needs
  • Unlimited annual and lifetime medical maximum
  • Pre-existing conditions exclusion can be waived with proof of prior creditable coverage
  • Deductible is waived for outpatient office visits with contracted physicians
  • Terrorist-related injuries are covered
  • No waiting period associated with any preventive services
  • No precertification penalty imposed
  • Contracted providers bill GeoBlue directly, eliminating paperwork and out-of-pocket expenses for you
  • Convenient mobile tools to connect to quality care across the globe and for emergency needs, to filling a simple prescription, to translating symptoms, to finding the right doctor at home or abroad

International Health Insurance - FAQ's

01. What is international health insurance for travel?

International health insurance for travel, or international travel insurance is a short-term travel medical insurance policy that visitors to any country can buy so they have coverage for accidental injury or illness during their stay in the host country. International travel insurance is not always a requirement to enter many foreign countries (it is needed for some countries, like the Schengen states while applying for the Schengen visa), but it is strongly recommended given the high cost of healthcare.

When buying international travel insurance, it's important to compare policies from multiple providers to find the best coverage at the best price. This can be done easily at American Visitor Insurance, where prices and benefits of the different plans offered by the top US travel insurance providers are displayed in an user friendly comparison tool. As a traveler, you should also carefully review the policy's brochure and understand the exclusions that are not covered. Do also check on the policy renewal rules which are displayed in the American Visitor Insurance comparison, should you want to extend your visit overseas.

02. How does international health insurance work?

International health insurance works by providing coverage for medical expenses incurred while traveling or living outside of one's home country. International travel insurance policyholders can provide their insurance card or policy information to the healthcare provider, who will submit the claim to the insurance company for reimbursement or direct payment. Depending on the international health insurance policy, coverage may include medical evacuation, repatriation, and emergency assistance services.

03. Is it necessary to purchase international 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.

04. What coverage does one get with international medical insurance?

You have a broad range of international 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.

05. What are the benefits of buying international medical Insurance?

Following are some benefits that are are covered by the international 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

06. What is the cost of international health insurance?

The cost of international health insurance varies depending on the insurance company and the plan chosen. The main factors on which the cost of 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).

07. Who needs international health insurance for travel?

International health insurance for travel is recommended for anyone traveling abroad, especially those who are traveling for an extended period of time or who are visiting countries with limited healthcare facilities or where healthcare is very expensive. There are some international travel insurance plans that provide coverage for those who have pre-existing medical conditions or those who are engaging in activities that are considered high-risk.

08. What does international health insurance for travel cover?

International health insurance for travel typically covers emergency medical treatment, hospitalization, and medical evacuation or repatriation. This insurance may also cover other benefits such as prescription drugs, dental care, and accidental death and dismemberment.

09. What is the best international health insurance for travel?

The best international travel insurance will vary depending on the specific needs of different travelers. In general, the following are some of the best international travel health insurance plans:

11. How do I choose the best international health insurance for travel?

When choosing international health insurance for travel, it's important to consider several factors such as coverage, cost, and provider reputation. It is also a good idea to compare quotes from multiple insurance providers to find the best coverage for your budget. This can be done easily at American Visitor Insurance, where prices and benefits of the different plans offered by the top US travel insurance providers are displayed in an user friendly manner. Do also check on the policy renewal rules which are displayed in the American Visitor Insurance comparison, should you want to extend your visit overseas. You should also read the policy documents carefully to understand what is covered and any exclusions or limitations.

12. Can I buy international health insurance for travel after I have already left my home country?

Yes, many US insurance providers allow travelers to buy international health insurance for travel even after they have left their home country. However, it is important to note that some policies may have waiting periods before coverage begins, so it's best to purchase insurance as early as possible.

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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Long Term coverage with the global plans of IMG


I am looking for a plan that provides long term coverage for a year. I would like the plan to provide good coverage for pre existing conditions and preventive care. Can you give me more insight about the Global plans of IMG? I am kind of interested in their benefits


Dear Feza,

If you are looking for complete long term medical coverage, the global plans are ideal especially if you need them for longer than one year. They have limited coverage for reventative (wellness) treatment and the Silver and Gold plans cover pre-existing conditions after 24 months continuous coverage, but the Platinum plan covers pre-existing medical conditions if disclosed and not excluded by rider in the first year.

The Global Medical Policies offered by IMG are excellent and popular choices for long term international insurance. The policy will cover you while you are traveling outside your home country of citizenship as well as in your home country. The advantage of a global health policy is that once you are accepted onto the plan, you are guaranteed coverage year after year and the only price increase will be due to age (they cannot increase your rate due to a new health issue).

The Global Medical Bronze and Silver plans are fixed plans which may work well in countries where medical costs are low. The Global Medical Gold and Platinum are comprehensive policies. An optional dental and vision riders are available for the Bronze, Silver, and Gold plans. The Global Medical Platinum offers complete medical coverage even for maternity costs. Dental and vision coverage is included in the Global Medical Platinum plan.

Also, be aware that the online application will ask extensive medical questions (be prepared with dates and all the information) and that it may take a couple days for the company to review the application. Furthermore, the coverage is NOT guaranteed, so your application may be rejected, accepted with exclusions (which you would have to agree to), or, ideally, simply accepted.

Global medical Silver plans
Global medical Gold plans
Global medical Bronze plans
Global medical Platinum plans

If you need a year or less coverage or you want something more short term, you can choose any of our visitor Insurance plans.

Please let us know if we can help answer any questions or concerns you may have.
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