Expat Insurance, Compared.
Navigate global health coverage. Compare top expat insurance providers side-by-side with detailed breakdowns of coverage, cost, and who they're best for.
Insurance Provider Comparison
| Provider | Monthly Cost | Remote Activation | Coverage Area | Deductible | Pre-existing | Dental/Vision | Best For |
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Detailed Provider Breakdowns
Essential Knowledge for Expats
EHIC vs. Private Insurance
The European Health Insurance Card (EHIC) provides basic coverage across EU countries but doesn't replace travel insurance. Private expat insurance offers comprehensive coverage, including repatriation, dental, and wellness services not covered by EHIC.
Schengen Requirements
Schengen visa applications require proof of travel insurance covering at least €30,000 in medical expenses. Most expat insurance plans exceed this requirement and are accepted for visa applications.
Pre-existing Conditions
Most insurers exclude pre-existing conditions for 2+ years. Some plans offer immediate coverage or waive the waiting period if you enroll within 60 days of leaving your home country.
Deductibles Explained
A deductible is the amount you pay before insurance coverage begins. Lower deductibles mean higher premiums. Many digital nomad plans offer $0 deductibles with higher monthly costs.
Network vs. Reimbursement
Network plans mean direct billing with partner providers. Reimbursement plans require you to pay upfront and claim later. Network plans offer better cash flow for expats.
Maternity & Family Coverage
If planning for children abroad, verify maternity, prenatal, and pediatric coverage. Most plans cover pregnancy after a 12-month waiting period; some offer immediate coverage.