International Health Insurance Plans for Expatriates & Global Citizens

Expat Financial offers different international health insurance plans for expatriates across the world. Expatriates and global citizens can choose from several international insurance companies. These global health insurance policies are designed for foreign nationals living outside the country for which they hold a passport. We also offer excellent service before and after you purchase your insurance plan – this includes answering questions, providing advice and even assisting with underwriting where needed.

Which is the Best International Health Insurance?

Obtaining the best possible health insurance is a priority for expatriates, global nomads and international citizens. You need a plan that meets your global healthcare needs and fits your budget. Please find below a list of the best expat health insurance providers that we offer.  You can click on one of the plans to learn more and even obtain a quote and apply online:

International Health Insurance Plans Available for Expatriates

Cigna International Health Insurance

Click HERE if you want an expat health plan from Cigna International, a large and well known global insurance company. It offers excellent coverage, service and lifetime coverage for expatriates. You can include or exclude coverage for the USA. It is our best international health insurance policy.

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Allianz Health Insurance

Click HERE if you are an expat residing in Europe, Africa or Asia and want coverage form a very well known and respected European insurer.  The Allianz Worldwide Care plan is high quality and is available for some local nationals residing in select countries outside the USA & Canada.

GeoBlue International Insurance

Click HERE if you are an American citizen residing abroad who wants an international health insurance plan from an American provider which is administered using HIPAA guidelines from GeoBlue.

Applying for International Health Insurance

After you get an online quote from one of our international insurance providers, you can proceed with the application process. If approved, then you can pay online with your credit card, wire or have the premiums deducted from your bank account online. If you have any questions about medical insurance plans or you want to discuss your needs and produce a customized quote. You receive the same rates and direct service from the insurer when you obtain a quote plus our added support and service at no cost.

International Health Insurance for Local Nationals

If you are not an expatriate, Expat Financial can offer health insurance plans for some local citizens who want portable and international coverage. Many local nationals want to obtain insurance that will allow for treatment in foreign countries, such as the USA, England, and Australia. Other locals may live in countries that have a limited or insolvent insurance industry and want to deal with a large global company. Please contact us for a list of plans available for local nationals in select countries – the Allianz plan is one plan that can cover locals in a select number of countries.

How Does International Health Insurance Work? 

International health insurance works much the same as American health insurance and many private health plans around the world, but these plans are set up to cover expatriates living abroad on a global basis. Learn more…

Independent Insurance Broker

When you live abroad, one of the most important financial considerations is how to protect you and your family’s health. Without proper coverage, an illness or injury abroad can turn into a financial disaster! Expat Financial doesn’t represent just one insurance company plan. Instead, we place your interests first by shopping the marketplace for the plan that meets your needs and budget. From basic to deluxe expat health insurance plans, we’ve got you covered. We do not charge a fee for our expat health insurance services as we are compensated by the insurer you choose – insurer charges the same rates if you purchase directly. Learn why you should work with a broker when you purchase global healthcare.

Not Available in USA, Canada, Japan, Brazil, UAE and other select countries.

International Medical Group (IMG) Global Medical Plan

Get Instant Quote and Purchase Online Now!

The IMG Global Medical Insurance plan is for international citizens and expatriates who want:

  • Flexible, comprehensive medical coverage as noted in the brochure.
  • Coverage for individuals and families
  • Four unique plan designs – Silver, Gold, Gold Plus and Platinum
  • Optional riders: Global Term Life Insurance, Global Daily Indemnity, Dental, Maternity, Terrorism, Sports
  • Choose your area of coverage (worldwide or worldwide excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan)
  • Select from multiple deductible options
  • Family premium covers the first two children between 14 days and 9 years at no additional cost for the first year
  • Choose from several payment modes
  • Multiple underwriting options to fit your needs
  • Freedom to choose your provider
  • Access to two extensive provider networks
  • Emergency Medical Evacuation and other evacuation benefits
  • Medical Concierge Program
  • Medical professionals to coordinate your care
  • 24-hour access to information

Get Instant Quote and Purchase Online Now!

OR HERE if you are a missionary interested in the IMG Missionary Plan

For all the information in HTML format that you can print off your browser, click


for full IMG Global Medical Insurance plan information in HTML format that you can print off your web browser!

Other plans are available on request if the above don’t meet your needs. Make sure that you fully read plan brochure and terms and conditions before applying..

Applications can be sent direct to insurance company address as stated in brochures / applications or direct to:

Expat Financial
c/o TFG Global Insurance Solutions Ltd.
#1500 – 701 West Georgia Street
Vancouver, BC V7Y 1C6

Note that the actual plan design, terms and conditions, deductibles, limits vary from plan to plan and company to company and are subject to change at any time without notice.

Corporate International Health Insurance Policies

Companies with 3 or more expatriates can obtain even more extensive coverage with volume discounts with Expatriate Group Insurance Coverage. These international group health plans can often offer offer superior coverage, service and rates for organizations with more than 2 tor 3 expatriate employees. Some expatriates will also want to individual International Life Insurance and disability income protection as well.

Short Term Coverage

For individuals wanting Short Term Travel Insurance under 12 months, please go to the Travel Insurance page for online policy information and even the ability to purchase protection on-line using a secure server!

If you are interested in learning more, have questions or would like a quotation, please contact Expat Financial via email or visit our Quote Request page. We will need your date of birth, location, citizenship, whether you want coverage for any dependants (include same info) & if you want the optional Medical Emergency Evacuation coverage.

Note:  The policies we offer are not available via TFG Global Insurance Solutions Ltd. or its related web sites to local citizens who intend on residing in Canada or the USA. Coverage for expats in the USA and Canada can be available. Also note that the health plans are offered via our site are designed to cater for globally mobile expatriates. As such, they do not meet all the requirements for health insurance plans set out in US healthcare law or local laws in your country of residence, including the Affordable Care Act (ACA), HIPAA or COBRA. You may wish to seek legal advice if you are uncertain as to whether and how these requirements apply to you.