It’s comprehensive health coverage for people living or traveling outside their home country for extended periods. It helps pay for inpatient and outpatient care, surgery, prescriptions, emergency services, and often evacuation.

Expats, global employees, digital nomads, students abroad, missionaries, retirees overseas, and long-term travelers who need broader, renewable coverage than short-term travel plans provide.

Travel medical is typically short-term and emergency-focused. International major medical is more like traditional health insurance abroad—renewable, with higher maximums and broader benefits (wellness, chronic conditions, maternity—if selected).

Many plans let you choose worldwide including the U.S. or worldwide excluding the U.S. Selecting U.S. coverage increases premiums but provides access to U.S. provider networks while you’re stateside.

Coverage varies. Some plans medically underwrite and may exclude or load premiums; others offer limited coverage after a waiting period or with a rider. Bring medication and diagnosis details to get accurate quotes.

Common deductibles range from $250 to $10,000+; annual or lifetime maximums can span $1M to $8M or more. Higher deductibles typically lower premiums. We’ll show side-by-side options by carrier.

Most plans include evacuation to the nearest appropriate facility (or to home country, depending on plan) when medically necessary and pre-authorized by the insurer’s assistance team.

Often yes, but maternity commonly has waiting periods (e.g., 10–12 months) and must be added before conception. Preventive/wellness benefits may be standard or optional, depending on the plan tier.

Insurers maintain global networks and 24/7 assistance. Many hospitals bill the insurer directly for inpatient care; for outpatient visits, you may pay upfront and file a claim for reimbursement.

Passport details, residency/travel dates, destination countries, medical history, and any required visa letters. Underwriting may request physician statements for certain conditions or prescriptions.

Yes—many carriers provide visa or consulate letters confirming coverage amounts, territory, and dates to meet entry requirements (e.g., Schengen, student, or work visas).

Claims are submitted via portal or app with receipts and medical notes. Reimbursements are usually in your chosen policy currency to a bank account or card on file.

Age, area of coverage (with/without U.S.), deductible/coinsurance, benefit maximums, add-ons (maternity, dental, evacuation upgrades), and medical history all impact premium.

Policies are typically annual with guaranteed renewability while eligible, even if you develop new conditions. Some plans have maximum entry ages; renewals may continue to higher ages once enrolled.