Global Health Insurance plans, global health insurance policy, Expatriates Medical Insurance, cheap international health insurance for travel

Covid19 International health insurance in the time of Coronavirus

These are certainly scary times particularly for international travelers and expats. Many expats who are currently outside their home countries are unsure of their health care and available international health insurance options. It is also heartrending to know of so many stranded expatriates and travelers in countries they did not intend to be in at all. We cannot predict how long international health insurance options will remain, so it is important to buy available international medical insurance options soon.

We have seen providers either reduce or even discontinue coverage for COVID-19 and certain other benefits due to the global pandemic. If you are an expatriate and do not have international health insurance or if it will run out soon, do consider buying an alternative global medical insurance 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.

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.

How to compare and buy plans?

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.

Insurance terms explained

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.

Resourceful travel insurance information for new customers...

Find the best travel insurance

Find out the best insurance for your budget and needs

How does travel insurance work?

Claims process for expenses due to injury or sickness

How to buy travel insurance?

Step by step guide to buying the best travel insurance online

Travel insurance glossary

Commonly used international travel insurance terms

Travel insurance for specific groups

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...

Compare travel insurance plans

Compare the best travel insurance plan for your needs

Other popular destinations among the expatriates

Travel to Canada

Travel to Israel

Travel to India

Travel to Mexico

Travel to UK

Travel to USA

Travel to Russia

Travel to Australia

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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Compare Popular Global medical insurance benefits

Compare Global Medical Insurance

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

Compare Xplorer Insurance

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

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

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 insurance plans 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.

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.

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.

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

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).

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.

Click here to read more

Global Medical insurance for pregnancy

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

Click here to read more

Expat insurance by Geoblue Xplorer

Geoblue Xplorer health insurance for global citizens and expatriates.

Click here to read more

Expat insurance by International Medical Group

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

Click here to read more

Long Term coverage with the global plans of IMG

Hello,
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
Feza

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.

You can compare Global medical Silver plans:

Plan Details Brochure Buy Now

To purchase and/or get a quote for the policy, (Please note that you will choose how you want to pay (monthly, quarterly, biannually, or annually) at the beginning of the application and you will not be able to change this later).