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: