If you plan on living abroad for a certain length of time, then your needs are different from backpackers or families.

We recommend Global Insurance Benefits, which cover individual expatriates and their families, as well as employees working abroad on assignment, international organizations, missionaries, and others living or traveling internationally who need annually renewable insurance. US citizens must reside abroad for at least 6 months out of the year to be eligible.

Compare the different expatriate plans available via the matrix below and use the links at the bottom to check prices.

Plan Name	Silver Global Medical Insurance	Gold Global Medical Insurance	Platinum Global Medical Insurance
Company	International Medical Group	International Medical Group	International Medical Group
Purchase
Underwriter	Sirius International – Rated A (excellent) by A.M. Best	Sirius International – Rated A (excellent) by A.M. Best	Sirius International – Rated A (excellent) by A.M. Best
Available To	All Nationalities. U.S. citizens must reside abroad for at least six months	All Nationalities. U.S. citizens must reside abroad for at least six months	All Nationalities. U.S. citizens must reside abroad for at least six months
Medical Expenses	$5 Million (lifetime) Hospitalization = $600 per day (maximum of 240 consecutive days per covered event) ICU = $1,500 per day (maximum of 180 consecutive days per covered event)	$5 Million lifetime per individual	$8 Million lifetime per individual
Pre-existing Conditions	$5,000 per period of coverage up to $50,000 lifetime – Available after 24 months of continuous coverage	$5,000 per period of coverage up to $50,000 lifetime – Available after 24 months of continuous coverage	Covered same as any illness
Emergency Evacuation	$50,000 per period of coverage – not subject to deductible or coinsurance	Limited to policy maximum – not subject to deductible or coinsurance	Limited to policy maximum – not subject to deductible or coinsurance. Political Evacuation is also covered but limited to $10,000 lifetime maximum
Repatriation of Remains	$25,000 – not subject to deductible or coinsurance	$25,000 – not subject to deductible or coinsurance	$50,000 lifetime maximum per insured – not subject to deductible or coinsurance
Emergency Reunion	Not Covered	$10,000 – lifetime maximum	$10,000 lifetime maximum
Accidental Death & Dismemberment	Global Term Life Insurance is available with no additional underwriting	Global Term Life Insurance is available with no additional underwriting	Global Term Life Insurance is available with no additional underwriting
Flight Accident	Not Covered	Not Covered	Not Covered
Sports & Hazardous Activities	Amateur, Professional, or Hazardous Sports excluded – Recreational Scuba and Skiing are covered – See Policy Details	Amateur, Professional, or Hazardous Sports excluded – Recreational Scuba and Skiing are covered – See Policy Details	Amateur, Professional, or Hazardous Sports excluded – Recreational Scuba and Skiing are covered – See Policy Details
Terrorism	Not Covered	Not Covered	Not Covered
Travel Assistance	24 hour Toll Free Emergency Medical Assistance	24 hour Toll Free Emergency Medical Assistance	24 hour Toll Free Emergency Medical Assistance
Special Features	Extended Care – limited to first 30 days of confinement Radiation Treatment – URC Home Nursing Care – limited 30 days per covered event Hospice Care – limited 30 days per covered event Prosthetic Devices – all URC	$1 million (lifetime) for transplants / $50,000 (lifetime) for maternity after 12 months of continuous coverage has past	Vision coverage included – Exams – up to $100 per 24 months Materials – up to $150 per 24 months
Length Of Coverage	365 days (annually renewable)	365 days (annually renewable)	365 days (annually renewable)
Purchase

For more on becoming an expat, check out the following articles:

• Taking the Leap: Practical Tips for Becoming an Expat
• Best Places for Expats to Live