If you’re living abroad, you won’t need a traditional US health insurance plan, but it is still important to have some form of health insurance. Here’s why:
Local restrictions – You may not be eligible for the local health system (in the country you are moving to) since many countries don’t extend public health coverage to temporary residents or expats.
Cost of healthcare – Without insurance, paying for medical treatment out-of-pocket can be expensive and financially risky.
Travel plans – If you plan to travel between countries, international health insurance ensures you’re covered wherever you go. For example, if you’re an American living in Spain but frequently visit other EU countries or return to the US, international coverage makes sure you’re protected in all locations.
Access to private healthcare and English-speaking doctors – International insurance can give you access to private clinics and English-speaking doctors, which may not be readily available in public healthcare systems abroad.
International health insurance is designed to cover you in multiple countries, not just one. This is ideal if you’re moving between places or taking trips while living abroad.
Best Health Insurance for US Expats Abroad
Here are some of the best health insurance plans you can buy as a US expat:
- GeoBlue Xplorer Essential
- Meridian Essential
- GMI
- Allianz Care Plus
US Healthcare System vs Worldwide
Healthcare in other countries is different from the healthcare system in the US, and international health insurance allows you to get access to healthcare and converge wherever you are. This is why we’ve detailed all the health insurance information you need as an American expat and where to get the best insurance for you.
How Is Expat Insurance Different From Travel Insurance?
The difference between an international health insurance plan for expats and travel insurance is down to the length and scope of coverage.
- Travel insurance
- International expat insurance
What to Look for in a Good Expat Health Plan?
Here’s what you should look for when choosing an expat health insurance plan:
- Geographical coverage: Are you covered in the country you plan to move to and other countries you might visit?
- Inpatient and outpatient care: Does the plan cover hospital stays, doctor visits, exams, and prescriptions?
- Access to quality care: Can you choose hospitals and doctors? Can you access care in English?
- Preventive care: Are routine check-ups, vaccinations, and health screenings included?
- Chronic and pre-existing conditions: Are ongoing conditions covered, and are there exclusions or waiting periods?
- Claims and reimbursements: How does the reimbursement process work? Is it fast and easy with online tools, and is direct billing possible?
- Maternity and child care: Does the plan include prenatal, delivery, and pediatric care, and are there waiting periods?
- Emergency assistance and repatriation: Are you covered for medical evacuation and emergency help abroad?
- Cost and value: Does the plan offer good value for money based on your needs and budget?
Frequently Asked Questions
- Does Expat Health Insurance Cover Evacuation to the US?
- Does Health Insurance for US Citizens Abroad Cover Maternity?
- Does US Medicare Cover Me Abroad?
- Does Obamacare Cover Me Abroad?
No, health insurance plans you bought under Obamacare or the Affordable Care Act do not extend outside the US. If you are traveling or moving abroad, you have to get either travel insurance or international health insurance.