Best Medical Insurance for Expats
Choosing the right international medical insurance is essential for expats seeking peace of mind, global access to care, and financial protection from unexpected health costs. Here's how to pick the best — plus standout providers trusted by global citizens.
Why Strong International Coverage Matters
Medical expenses abroad can be steep, especially for inpatient care, maternity, or chronic conditions. A solid expat-focused plan offers comprehensive benefits, flexibility, and reliable provider networks—just what you need when you're away from home.
Top Providers You Can Trust
These insurers consistently rank as the best for expats, based on coverage flexibility, global reach, and service quality:
Cigna Global — Often hailed as the best overall international medical insurance, Cigna offers modular plans, broad global coverage, wellness tools, and strong customer support.
AXA Global Healthcare — Offers tiered plans that include virtual doctor access, mental health services, second opinions, and a vast global network.
Allianz Care — Known for customizable, family-friendly plans that match diverse expat needs around the world.
IMG Global — Great for flexible budget options and broad geographic coverage, with tailored tiers to suit different lengths of stay.
William Russell — A boutique provider offering simple, dependable plans with strong customer orientation, especially highlighted across Africa and South America.
GeoBlue Xplorer — Ideal for U.S. expats, with access to the Blue Cross Blue Shield PPO network stateside, telemedicine, and seamless global coverage.
Other top contenders include VUMI, MSH International, April International, Now Health International, and Bupa Global—renowned for their coverage depth, VIP services, and tailored benefits.
Quick Comparison
(Provider - What Sets It Apart)
Cigna Global - Widest global footprint with modular, digital-first plans
AXA Global - Virtual care, strong mental health and second opinion support
Allianz Care - Customizable, family-focused with excellent support
IMG Global - Flexible pricing tiers with widespread coverage
William Russell - Boutique, simple plans known for dependability
GeoBlue - Strong U.S. link and telehealth for globe-trotting expats
There’s no single "best" medical insurance—it depends on your location, medical needs, and budget. But top providers like Cigna, AXA, Allianz, IMG, William Russell, and GeoBlue consistently deliver the global coverage, service, and flexibility most expats need.
