What to check before you buy
- Whether you need international health insurance vs. local private plans.
- Territory: worldwide vs. worldwide excl. US (big price difference).
- Evacuation and repatriation benefits.
- Waiting periods and maternity coverage rules.
- Proof-of-coverage requirements in your destination country.
Tip: Prefer policies with clear exclusions and easy claim procedures.
Get quotes (replace later)
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FAQ
Is expat insurance the same as travel insurance?
No. Expat plans are designed for longer stays and ongoing healthcare, not just emergencies.
Do I need US coverage?
If you will not reside in the US, choosing “worldwide excl. US” can significantly reduce premiums.
Can I switch later?
Usually yes, but new underwriting or waiting periods may apply depending on the provider and plan.