International Medical Insurance


Most domestic health insurance or Medicare programs pay very little and often provide no coverage when outside the your country of residence including the U.S.

So then what are your options when living, working or studying abroad?   It depends on how long you are there.


  • Short-term:   A few days up to 6 months.
  • Long-term: 6 months to permanent coverage.

SHORT-TERM PLANS –  No medical underwriting for approval.  You don’t answer any questions regarding your current or past health status.

The two most popular short term plans are “medical only” plans, which provide only medical coverage along with emergency evacuation and transportation services.

The other popular short-term plan is the “Trip Cancellation/Interruption” plan.  Includes; medical coverage, emergency evacuation services, but will also reimburse you for your cancelled trip/vacation, or portion(s) of your trip you have already paid for.  Cancelled, delayed or changed, trip, along with lost, stolen or damaged luggage.

Vacations can be very expensive and this reimbursement policy can save you from losing costly portions or the entire trip because of illness/accident before your trip, or if you need to return home early because of illness  or an accident.

Short-Term International Plans are “Guarantee-Approval” no health history is required.


  • Short-Term Plan  –  Quote
  • Trip Cancellation (vacation)  –  Quote
  • Long-Term Travel Insurance  –  Quote

LONG-TERM PLANS –  Designed for the individual, family, employee or students who need international medical coverage for more than 6 months, up to a permanent policy.  Like the short term plans, these policies include; hospital, surgery, Dr visits, maternity, Rx, lab & X-ray, physical therapy, emergency medical evacuation and transportation,  24 hr access to member services, translators, and access to any licensed medical professional worldwide.  In other words, these are very nice policies.

If you do not have international health insurance:

When you are traveling outside of your resident country and an illness or injury strikes, there are several issues you must address:

  1. Where to receive care?  Even if you are unfamiliar with the area, it’s your decision.
  2. Do you speak the language?
  3. In the event of an emergency, you are taken to a facility that is not up to your standards, what are your options?
  4. Surgery is needed, can you communicate with the staff?
  5. You wish to be transferred to your home country for care, is that available?
  6. You wish to see a local doctor/specialist for care/treatment/checkup where to you look?

Domestic insurance companies will not communicate with medical facilities, doctors or staff who are abroad.  They cannot make recommendations, or provide translators.  Also, they will not pay for an emergency evacuation or transportation back to your home country for care.

International carriers like GeoBlue and Cigna Global, have thousands or contracted doctors worldwide and understand the different global medical and insurance systems in over 190 countries.  They are available for assistance 24/7, provide translators, have online mobile apps to assist in finding and reviewing local medical professionals, they can make recommendations and assist in emergency situations.  They also provide evac and transportation coverage to move you to a better location, or will fly you home for care.

When a person or family travels outside of their home country borders, their domestic health insurance typically does not travel with them. In this case the traveler would need an International Health insurance policy, which is designed to provide medical coverage worldwide in the event of an injury or illness.

The international health insurance company will also have expert staff and translators available 24 hours a day for assistance.  Most domestic health insurance companies are only open during usual business hours and closed on the weekends.  Also, some International companies are set up to pay hospitals and doctors/specialists direct, so you don’t have to pay and wait for reimbursement.

Emergency medical evacuation can be a lifesaver.  Domestic insurance does not provide emergency evacuation coverage, while most quality international companies provide this vital coverage.  If you are gravely ill or injured in a far away land, and the local medical facilities are not up to western standards, or are unable to properly care for your situation, companies like Cigna Global and GeoBlue will fly you to the nearest quality facility that can care for you, even if the location is in a different country.  They may even medically air transport you back to your home country.  U.S. health insurance does not offer this service.


I can quote it for you: Simply email or text the; ages, resident country and destination country.  I will then email or text you the plan quote options (mobile: 916-240-6422).

Long term coverage is for anyone needing coverage longer than 6 months.  You’ll need a policy and a team of experts available to assist in any medical situation, minor or major.  Translators, crisis management and international medical experts who understand the medical environment in your foreign location anywhere in the world.

If you are moving abroad for the long-term; 6 months, a few years or even permanently, an International medical insurance plan provides the medical coverage along with access to quality care worldwide you may need.

blue-lineGlobal families, international students, dual citizens, employees and independent contractors. Are you working and living in a different country than your family.  One international policy can cover the entire family even though you are in different locations.

A few employees scattered around the globe, or dozens in far off locations.  One group plan will cover all of your employees regardless of where their work assignment takes them.

The human workforce is the single most important asset in any organisation: it is also the most vulnerable when working and living in a foreign land.

Long-Term coverage:

long term plan benefit chart

Typical domestic health Insurance provides very little and often no medical protection when outside of your home country. Worse yet, if an emergency strikes most insurance will not fly you home for care. Emergency evacuation and repatriation services can cost upwards of $50,000 or more if a nurse or medical staff is necessary during the flight.

assets-svg-editable_intl-thumbsupPhysician & Provider Network

What Good Is Health Insurance If You Can’t Find a Doctor You Trust?

Visit the doctor of your choice, or, Cigna along with GeoBlue have an elite network of doctors from every specialty ready to see you in over 190 countries. Only a small fraction of doctors around the world meet the Cigna and GeoBlue’s exacting standards—participation is by invitation only.

We seek out professionals certified by the American or Royal Board of Medical Specialties who speak English, and we factor in recommendations by over 158 Physician Advisors from all over the world.

We assemble in-depth provider profiles so our members can choose with confidence, and we put formal contracts in place to ensure preferred patient access. GeoBlue doctors and hospitals bill us directly so you don’t have to worry about filing a claim.

For members choosing a GeoBlue plan that offers benefits in the United States, you gain access to the largest national network, Blue Cross and Blue Shield.  In the U.S., more than 80 percent of physicians and 90 percent of hospitals contract directly with Blue Cross and Blue Shield Plans.

Long-term Global Medical, and who needs it.


Anyone who spend extended periods of time in other countries.  Multinational businesses with any number of employees or independent contractors working abroad. An independent contractor who is not covered on an “international group health insurance plan,” but is on the companies payroll.  A family who lives in several global locations throughout any given year.

Long-Term Global Medical is for anyone who wants access to the best care worldwide, and doesn’t want to worry about if an accident or illness is covered.  Also, in the event of an emergency, they will be flown or transferred to the best available hospital for which can properly treat their condition, even if that means to a different country or back to your home.

There are many risks when traveling abroad that need to be addressed.
  • Who will assist, and who do you contact if you have a serious injury or illness.
  • Kidnapping and extortion of executives and employees, international students, and vacationing family members including children continues to be a growing global trend regardless of where you are.
  • Finding access to quality care, if an emergency strikes.
  • Crisis management – you need a team of experts to intervene and move in to organize your care, coordinate transportation needs and respond to critical issues during an emergency.
  • U.S. Group health insurance, Medicare or Workers Compensation do not provide any of these services to you or your family when outside the U.S.

Crisis Management policies are available to individuals, families or company executives and employees. For higher limit policies Kidnap & Ransom (K&R) policies can be obtained.

A simple example of a situation which is not covered by domestic health insurance or Medicare. A vacationing family member in South America is seriously injured while driving in a cab, resulting in significant injuries needing immediate care.  At this point who do you call or where do you go for care? Do you let the local emergency transport take you to the nearest care center or government hospital. What if the facility cannot properly care for your injuries, or, you may be in a very rural setting where western medicine is not available.  In cases like this a medical evacuation is a necessity.  An emergency air evacuation to another city, country, or back home to the States will cost 10’s of thousands and may be well over $100,000 if you need to be accompanied by a nurse during the flight.

CIGNA GLOBAL – International Medical Insurance policies provides optional “Emergency Medicare Evacuation” coverage and the costs associated with these very expensive crisis situations.  Cigna Global will also assist in coordinating the transport for you.

Crisis Management:

  • hijacking
  • disappearance
  • child abduction
  • bombing
  • civil commotion
  • act of terrorism
  • natural disaster
  • violent crime or malicious attack
  • wrongful detention
  • kidnapping
  • blackmail, or extortion
  • political threat to include upheaval from war, riot, rebellion, revolution, and invasion

Extensive networks of contracted global doctors, specialists, hospitals, pharmacies and other health care professionals who meet western medical standards.  Search for doctors and hospitals on your “App,” also fill a prescription while abroad, and communicate with your concierge service department with minor situations all the way up to needing an Emergency Medical Evacuation.  Also, in most situations, your international company will pay the doctor/hospital direct so you don’t have to.

  • Comprehensive Plans for: expatriates, employees on foreign work assignment, contractors, students and any person or family living and working abroad.

Typically plans are categorized as “short-term or long-term.”  How long do you need coverage? A couple weeks, a month, a year, maybe a permanent policy.  An Expatriate medical policy is considered a long-term policy.  Longer than 6 months and in force for as long as the member requests or needs the coverage while abroad.  One person .. a family .. or employee(s) working abroad.

Sending employees abroad on a foreign work assignment, or need to find International Health insurance for a Third Country National.  A global family living in several locations throughout the year, or an International Student attending school outside of your home country.

Domestic health Insurance and Medicare provides very little and often NO coverage while traveling or living outside the U.S.  More and more U.S. and global citizens are becoming aware of the many limitations to their local health plans and are not leaving their health to chance.  Global medical insurance protection designed specifically for; Expatriates .. Employees .. Third Country Nationals .. Independent Contractors .. Family Vacations and International Students.  Go with a global leader; GeoBlue (affiliated with the Blue Cross companies), or Cigna Global.



An Employee who agrees to a foreign work assignment will often be enrolled in a long-term “individual” expat plan.  It’s easier than setting up a group plan often for only several employees going abroad.  For larger numbers of international employees, a “group” plan is recommended.

Remember … the domestic employer health insurance policy does not provide comprehensive medical benefits outside their home country. The employee takes two prescriptions and likes to have preventive screenings and exams yearly, which would not be provided with the employer plan.

They are also very active and enjoys recreational sports and outdoor activities and wants to be able to see a doctor and have it paid for, if they happen to twist their knee hiking, have a minor biking accident or any other non emergency event.  Also not provided with the employer plan.


Third Country National or Independent Contractor working outside of their home country and away from the employers country.  You don’t fit into their employer health insurance policy, which most likely wouldn’t protect you anyways.

You are working in a foreign land without associates to help you with basic information such as where to shop for food, driving directions and locations of shopping and entertainment.  Which hospital to use and who are the most respected doctors in the area.

This is where the Global Health Insurance company “mobile app” comes in handy.  Find contracted doctors and hospitals.  See where they received their medical degree, find translated medical terms, fill a prescription in another language, make an appointment, and show your ID card right on your smart phone or mobile device.  You can also talk to a company representative 24 / 7.  On the other hand, your domestic heath insurance company doesn’t answer calls after hours or weekends.

Medical Emergency Abroad … If you are experiencing a medical emergency abroad and need air transport, with one call, your International Health Insurance company will coordinate and arrange all of your transportation needs.  With only domestic health insurance you will be responsible for arranging everything from a emergency ground transportation, discharge from a local hospital so air evacuation services can transfer you to adequate facilities.  Transportation may require medical personnel to accompany you to a different hospital facility, or back to your home country.

U.S. Department of State: “In many places of the world, doctors and hospitals still expect payment in cash up front, before you are seen by a doctor. You can’t simply give them your insurance card and expect it will go through. If your policy doesn’t go with you when you travel, it’s a very good idea to purchase a separate policy for your trip.”


I can quote it for you: Simply email or text the; ages, resident country and destination country.  I will then email or text you the plan quote options (mobile: 916-240-6422).

No Cost Help … there is no charge for my services.  The insurance companies provide a fee for me to help with coverage options, enrollment and service.

Questions, quotes and concerns, feel free to call anytime.

John Conner