Expat Health Insurance Cost Guide

International health insurance for expats is a separate product from travel insurance or domestic health plans. Premiums vary by age, destination, coverage tier, and whether you include US coverage. Use this guide to estimate monthly costs before moving abroad.

Your Age Destination Region Include Coverage in the United States?

Tips for Buying Expat Health Insurance

Compare: Cigna Global, Aetna International, Allianz Care, GeoBlue, BUPA Global, and SafetyWing (budget option). Prices vary 30–50% for identical coverage.

Deductible trick: A $2,500 annual deductible can cut your premium by 20–40%. Good option if you are healthy and build an emergency fund.

Avoid gaps: US domestic plans (ACA, employer) typically don't cover you abroad. Cancel strategically to avoid both paying double or having a gap.

Local insurance: Some countries (Portugal, Germany, Thailand) require or heavily incentivize joining the local national health system. Factor this in.

Pre-existing conditions: Most expat plans exclude pre-existing conditions for 12–24 months. Disclose honestly to avoid claim denials.