Your Guide to 2025's Top International Medical Insurance Providers
Finding the best international medical insurance is essential when moving abroad. But with so many excellent and affordable global medical options, knowing how to choose the right one can feel overwhelming. So, how do you find the best plan for your unique needs?
We rank the top 10 global insurers each year based on several key factors:
- Network size
- Range of available benefits
- Extra features like telemedicine
- Ease of filing claims
- Flexibility to adjust premiums with copays and deductibles
- A.M. Best rating, which reflects each insurer's financial stability
This article ranks the best international medical insurance companies and highlights which plans best suit specific needs, helping you secure the right healthcare at the right price.
The 10 Best International Medical Insurance companies for Global Citizens
Below is a list of the top 10 international medical insurance companies that offer the best global health plans for expatriates, immigrants, and international citizens.
These providers offer comprehensive annual plans for citizens of almost any country living abroad for a year or longer.
#1 Cigna Global
Best for: Expats and families looking for flexible, comprehensive coverage options. Get Quote
#2 GeoBlue Xplorer
Best for: U.S. citizens living overseas and foreigners moving to the U.S. Get Quote
#3 IMG Global Medical
Best for: Younger clients, students, and those seeking budget-friendly coverage. Get Quote
#4 William Russell
Best for: Families and individuals looking for tailored, personalized coverage. Get Quote
#5 IMG Europe
Best for: Great option for Europeans residing in Europe and abroad. Get Quote
#6 Now Health International
Best for: Tech-savvy expats and global citizens seeking quick, convenient service. Get Quote
#7 Trawick International
Best for: Budget-conscious travelers seeking affordable, customizable coverage. Get Quote
#8 Allianz International
Best for: People who want the backing of one of the largest companies in the world. Get Quote
#9 Patriot Travel Medical
Best for: Short-term health plan for nomads looking for affordable, flexible cover. Get Quote
#10 Bupa Global
Best for: Citizens of select countries that want the reassurance of the Bupa Global. Get Quote
What Is the Best International Medical Insurance?
Cigna Global ranks as the best international medical insurance on our list. However, the best international medical insurance plan for you depends on your specific needs.
Cigna Global, GeoBlue, William Russell, and International Medical Group are all excellent choices for expatriates living and working abroad. Each is best suited for a specific type of global citizen.
Read about each international medical insurance plan below to find out which best suits you and request a quote
1. Cigna Global: The Best Overall International Medical Insurance, Premium
Cigna Global was one of the first international medical insurance companies to offer coverage for expatriates and other global citizens.
Founded in 1982, the company remains one of the world's leading providers. It's an excellent option for many living abroad, as it offers comprehensive coverage in nearly every country.
The Cigna Global plan offers flexible levels of international health benefits, with modular options that let you add only the coverage you need – without paying for extras you won’t use.
This is just one of the factors that earned them the top spot on our list. They also offer multiple deductibles and cost-sharing options, allowing you to customize the cost of your premium.
Cigna provides excellent access to international doctors and hospitals, making it a favorite among immigrants and expats. It has also earned an A rating from A.M. Best, reflecting strong financial stability.
Cigna Plan Highlights
Three Core Plans: Silver, Gold, and Platinum
Comprehensive, customizable plans to suit your needs
Worldwide customer service available 24/7
Coverage Options: Outpatient, Health & Wellbeing, Medical Evacuation, and Vision & Dental
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GeoBlue Xplorer: The Best Health Plan for U.S. Citizens Abroad, Premium
The GeoBlue Xplorer plan is ideal for U.S. citizens living overseas and foreigners residing in the U.S.
GeoBlue is an independent licensee of the Blue Cross Blue Shield Association and offers long-term and short-term travel medical plans worldwide.
It is a premium option available to U.S. citizens living overseas and expats residing in the U.S. Despite these geographic limitations, GeoBlue ranks number two on our list due to its extensive network, easy claims process, and excellent telehealth services.
Members agree that GeoBlue’s premium plans are worth the extra cost when you get sick or injured, thanks to their comprehensive coverage and helpful staff. GeoBlue holds an A- rating from A.M. Best.
When you thoroughly compare benefits, GeoBlue’s premium plans offer competitive prices that outperform similar policies from other providers.
GeoBlue Xplorer Plan Highlights
The most comprehensive benefits in the industry
Unlimited medical maximum
Premier plan members have access to the Blue Cross Blue Shield PPO Network
No deductible owed for office visits, preventative care, and outpatient prescriptions
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IMG: The Best Global Medical Insurance for Expats on a Budget
International Medical Group (IMG) offers the broadest range of products among international medical insurance companies, from trip cancellation to their long-term international medical plan, IMG Global Medical.
For over 20 years, IMG has provided international medical, travel health, and affordable coverage to clients worldwide. They currently insure people in more than 170 countries.
IMG earned the third spot on our list thanks to its wide array of plans, excellent preventative care coverage, and flexible pricing options that allow you to fine-tune your premium.
They also offer add-on coverage for global term life, terrorism, sports, and more. IMG holds an A- rating from A.M. Best.
IMG Global Medical Plan Highlights
Four plan levels and optional add-on modules to choose from
Choice of coverage area to reflect your geographical area of need
All plan tiers include prescription coverage with varying limits
Freedom to choose your healthcare provider wherever you are in the world
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William Russell: The Best Policies for Expats in Africa, Asia
William Russell Expat Medical Insurance. William Russell has been in the healthcare business for over 30 years, specializing in providing private medical benefits to members in 160 countries.
Whether you are an individual, a family, or planning to start a family, you can find the right policy with William Russell medical insurance.
The company offers four plan tiers, each designed around your specific needs. They provide excellent benefits, including top-notch coverage for cancer care and extensive preventive care.
Their rates can be customized based on your chosen deductible and coverage area. (Plans do not include U.S. coverage, but you can add limited coverage for trips of up to 45 days in the U.S.)
William Russell’s highly personalized, 24/7 customer service earned them the fourth spot on our list. The company, part of the Allianz group, holds an A+ rating from A.M. Best.
William Russell Plan Highlights
Each plan level gives full cover for inpatient, and most tiers have no limit on outpatient treatment
All plan levels offer Medevac Basic, with the option to include Medevac Plus coverage
The Gold tier offers robust maternity coverage, while other tiers offer coverage for pregnancy complications
Full cancer coverage, including full cover for cancer genome testing, and cover for preventive cancer treatment on Silver and Gold
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Now Health International
Now Health International provides quality medical coverage worldwide that foreigners living abroad can easily access.
One of the company's best health plans for international clients is the Now Health WorldCare plan, which provides comprehensive benefits, including coverage for expats in the USA.
A more affordable option is the SimpleCare plan, which is ideal for expatriates seeking extensive medical coverage on a budget. Now Health is rated A+ overall by A.M. Best.
Trawick International
Trawick International offers affordable, short-term plans designed to meet the needs of nomads, families, and adventurers alike.
With options that include coverage for trip cancellation, emergency medical care, and trip interruption, Trawick ensures you are fully protected no matter where your journey takes you.
Their flexible plans can be customized to fit your specific travel needs, making them an ideal choice for budget-conscious travelers seeking dependable coverage.
Allianz International Medical Insurance
One of the biggest providers in the world, Allianz is a German company managed by Allianz Worldwide Partners and part of the Allianz Group.
The company is known for its global network and for providing businesses with international medical coverage for employees. Allianz Group has an A+ rating from A.M. Best.
Patriot Travel Medical Plan
IMG offers reliable and affordable emergency medical and travel insurance benefits through its Patriot Travel Insurance and Student Exchange plans, designed to meet the needs of global nomads and students.
With comprehensive coverage for emergency medical care, trip interruption, and medical evacuation, WorldTrips ensures you’re protected while exploring the globe.
Bupa Global
Bupa Global has been in business for over 65 years, specializing in providing the best global health policies.
Its international team of advisers and health experts speaks multiple languages, enabling them to deliver service that exceeds expectations.
Bupa Global offers coverage in the U.K. and select European countries. It holds a B++ rating from A.M. Best.
Get Quote Now
How to Compare the Best International Medical Insurance Companies
There are numerous reputable online resources to help you choose the best insurer. When evaluating options, consider these six key factors:
Insurer ratings
Cost
Eligibility
Coverage regions
Medical benefits
Healthcare networks
While most companies offer standard benefits, some providers deliver enhanced options or additional features at competitive prices.
To assist your research, we’ve created a comprehensive comparison table featuring four leading providers: Cigna, GeoBlue, IMG, and William Russell.
For a more personalized comparison, you can also request a free quote to explore tailored plans that meet your specific needs.