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International Health Insurance

We are your global wellness partner. Explore boundless health coverage with us. Whether you are retiring in another country, working on the yachts, studying abroad, or an expat you will need health insurance. International health insurance is important for several reasons.

Who Need International Health Insurance?



Yacht crew members embark on exhilarating journeys across the globe,one often overlooked necessity is international health insurance. It provides them with a crucial safety net, ensuring that they have access to quality healthcare no matter where they are in the world.





Retirees embarking on a new chapter of life abroad deserve the utmost in peace of mind and healthcare security, making international health insurance an indispensable asset.

International Students

International Students

International students pursuing their educational dreams abroad deserve the utmost in medical security and peace of mind, making international health insurance an absolute necessity.

Global Nomads

Global Nomads

For global nomads, who embrace a life of adventure and exploration across borders, international health insurance is not just an option—it’s a vital companion on their journey.  The unpredictability of life on the road can bring unforeseen health challenges.


Benefits of International Health Insurance

Medical Emergencies

If you have a medical emergency while traveling or living abroad, international health insurance can help cover the cost of treatment and hospitalization. This can be a lifesaver, as medical costs can be very high in some countries.

Coverage in Foreign Healthcare Systems

The healthcare systems around the world vary widely. In some countries, the public healthcare system is very good, while in others it is not. International health insurance can help you get access to quality healthcare, even in countries with less developed healthcare systems.

Peace of Mind

Having international health insurance can give you peace of mind knowing that you are covered in case of a medical emergency. This can help you relax and enjoy your time abroad, without worrying about the cost of healthcare.

Compliance with Visa Requirements

Some countries require proof of health insurance as a condition for issuing a visa or entry permit. If you are planning to travel to one of these countries, you will need to have international health insurance.

AN image with an international health insurance policy in it showing the benefits of international health insurance.

The Health Insurance Options Available

International health insurance providers offer a variety of health insurance plans, each offering a specific level of medical coverage.

Ultimate Plan

This plan covers everything, from inpatient and outpatient care to emergency medical treatment, hospitalization, surgery, and prescription drugs. It has the highest monthly premiums, but it also has the lowest out-of-pocket costs. This plan is best for expats with high healthcare needs who want the most extensive coverage.

Standard Plan

This plan is a good balance between cost and coverage. It has moderate premiums and moderate out-of-pocket costs. This plan is a good choice for expats who expect average healthcare needs.

Entry-Level Plan

This plan has the lowest monthly premiums, but it also has the highest out-of-pocket costs. This plan is best for expats who expect minimal medical expenses and are willing to take on more financial responsibility for healthcare services. This plan is a good choice for younger expats who don’t expect to have many medical expenses.

Plan Type Coverage Monthly Premium Out-of-pocket Costs Best For
Ultimate Plan Exenstive High Low Expats with high healthcare needs
Standard Plan Balanced Moderate Moderate Expats with average healthcare needs
Entry-level plan Minimal Low High Expats with minimal healthcare needs

The Cost of International Health Insurance

The premium you will pay for your international health insurance plan is dependent on these factors:

Coverage Level

The more comprehensive the plan, the higher the cost.


Age may be just a number… but it does influence your health insurance cost. Younger individuals typically pay lower premiums than older individuals.

Health Status

Individuals with pre-existing medical conditions may pay higher premiums.

Destination Country

The cost of healthcare in different countries can vary.

Policy Duration

The longer the policy duration, the higher the premium.

Additional Benefits

Extra benefits, such as maternity care or mental health services, can increase the cost.

Insurance Provider

Different insurance companies may offer varying premium rates.

A doctor holding an ipad that is working out the cost of someone health insurance policy based on factors.

International Health Insurance Providers






April International  Founded in 1995, April International specializes in international health insurance.
Allianz Founded in 1890 in Munich, Germany, Allianz is one of the largest insurance companies in the world. They offer international health insurance.
Vumi Founded in 1998, Vumi specializes in international health insurance.
Bupa Founded in 1947 in the United Kingdom, Bupa offers global health insurance coverage.
Now Health Founded in 2010, Now Health specializes in international health insurance.
Morgan Price Founded in 1999 in the United Kingdom, Morgan Price offers a range of expatriate health insurance products.
Expacare Founded in 1983 in the United Kingdom, Expacare specializes in international health insurance.
Expatriate Group Founded in 1997, the Expatriate Group specializes in international health insurance for expatriates.
IMG IMG is a UK-based medical insurance company that has been around for over 15 years. The provider offers international health insurance.
William Russell Founded in 1992 in the United Kingdom, William Russell specializes in international health insurance for expatriates.
Hollard Founded in 1980 in South Africa, Hollard specializes in international health insurance.
Cigna Founded in 1982 in the USA, Cigna offers global health insurance coverage.

Frequently Asked Questions

Are there any exclusions or limitations in the international health insurance policy?

It depends on your health insurance plan and provider.

How much does international health insurance cost?

The cost of international health insurance is dependent on the plan you go for.

How do I find a trusted healthcare provider abroad?

    • Research the healthcare system and medical facilities in the country you plan on living in.  This will help you to understand the different types of healthcare providers available and the quality of care that you can expect.
    • Check with your insurance provider for a list of network hospitals or healthcare facilities in the destination country. This will ensure that you are covered in case of an emergency.
    • Ask for recommendations from friends, family, or colleagues who have traveled to or lived in the destination country. They may be able to recommend trustworthy healthcare providers based on their experiences.
    • Look for online reviews and ratings of healthcare facilities in the country.  This can give you an idea of the quality of care that is offered and the experiences of other patients.
    • Check if the healthcare facility is accredited by international organizations or has certifications from reputable medical associations. This can indicate a commitment to quality and safety standards.
    • Contact your country’s embassy or consulate in the destination country. They may be able to provide a list of recommended healthcare providers or assist you in finding medical help.
    • Join online expat communities or travel forums related to the country you’re visiting. Members may share their experiences and recommend trusted healthcare facilities

Do I need to pay upfront for medical expenses, or will the insurance company directly settle the bills?

Specific medical conditions, treatments, or activities that may not or may not be covered, the package you decide on will influence this.


A health insurance broker answering common questions that are asked about health insurance

Secure Your International Health Insurance Policy Today!

Simply complete the form below and click ‘submit’ to submit an international health insurance inquiry. Our customer service team will get in touch with you within 2 business days.