Health Insurance Abroad: Your Complete Options

Navigating international health coverage as an American

Overview

Health insurance is one of the most important decisions for Americans relocating internationally. US domestic health insurance typically does not provide coverage abroad, and Medicare does not cover you outside the US. You need a deliberate strategy.

Option 1: International Health Insurance

Global health insurance plans from providers like Cigna Global, Aetna International, and Allianz Care provide comprehensive worldwide coverage. These are the premium option with premiums typically ranging from $200 to $800+ per month depending on age, coverage level, and whether you include US coverage.

Option 2: Travel/Remote Worker Insurance

Services like SafetyWing offer affordable international health insurance designed for remote workers and long-term travelers. Premiums start around $40 to $80 per month. Coverage is more limited than traditional international plans but provides solid baseline protection.

Option 3: Local Health Insurance

Many destinations offer affordable local health insurance or public healthcare systems. Quality and coverage vary significantly by country. This is often the most affordable option but may have limitations for complex care.

Option 4: Hybrid Approach

Many Americans abroad combine local insurance for routine care with an international catastrophic/evacuation plan for serious medical events. This often provides the best balance of cost and coverage.

Key Considerations

• US coverage: Decide whether you need a plan that covers treatment in the US
• Pre-existing conditions: Coverage varies significantly by provider
• Dental and vision: Often excluded from base plans
• Medical evacuation: Critical coverage for many destinations
• Prescription medications: Verify coverage in your destination

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