Free International Moving Quotes

10 Tips For Buying International Health Insurance

By Joshua Wood, LPC

Summary: Ensuring you have International Health Insurance is one of the most important aspects of life abroad. These tips will get you on your way to finding the best policy for you and your loved ones.

International Health Insurance - 10 Tips For Buying International Health Insurance

Here are ten tips to guide you through the process of purchasing international health insurance. This is one of the most important tasks you need to take care of when moving abroad, so be diligent in terms of educating yourself and researching options.

Assess whether or not living abroad is appropriate for you.

Becoming an expat or a nomad may sound like a grand adventure, but it's not the best choice for everyone. As it relates to health insurance, determine whether the costs and health implications make sense. Be honest with yourself.

Be prepared to do your homework.

Once you decide it makes sense to live in another country, you've got work to do. It's perfectly reasonable to want to quickly find insurance and be done with what many consider to be such a mundane task. However, not doing the appropriate amount of research can cost you financially while leaving you with coverage that isn't appropriate to your specific situation.

Make a list of your needs and prioritize them.

This will involve a variety of factors. Here are a few areas to consider when making a list:
  • Your individual health and the health of any loved ones who also need coverage.
  • Your financial position.
  • Where you are moving to and the realities of every day life there.
  • The activities you will be engaged in while living abroad. If you ski or engage in any adventure sports, make sure to mention that during the quote process.

Need international health insurance? William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a Quote

Need international health insurance? William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

Ask Specifics About How Each Health Insurer Works

You'll want to know how each insurer works. This involves the claims process, pre-certification, portability to other countries if you move, pre-existing conditions, maternity care (if relevant), and more.

Give strong consideration to large international insurers

These types of insurers have global reach and have spent decades establishing networks of providers that you may need for routine or emergency care. Experience matters. Unfortunately, there have been instances of less recognizable insurers going bankrupt with disastrous consequences. Even if you don't recognize their name, a company may have an underwriter you recognize and can trust. Again, do your homework!

Determine the best type of insurance for you.

If you are living in one country for a few years, your needs will be different than someone who wants to work remotely as a digital nomad in 3 countries over the course of 6 months. International health insurance, nomad insurance, and traditional travel insurance all have their place in the market.

Get Several Quotes

Just going through the process of getting quotes and speaking with agents and others involved with the quote process will be extremely educational. You'll begin to understand better what you need, what options are available, and how each company's policies and approaches vary.

Think Carefully When Cutting Costs.

Having to go with certain level of coverages may be a financial reality for you. If you are going to purchase a limited plan, which may be an acceptable option in some countries, then know how you will handle unforseen costs. Electing a high-deductible plan and then having unexpected trips to the doctor can lead to such costs. Think carefully about this possibility when purchasing your policy. However, there are places where trips to the doctor, drugs and other therapies are low cost.

Ask what you can do to lower the cost of your quote.

Greater flexibility has been built into the design of some international health plans. A higher deductible, for example, will lower your premium. Each insurer is different, so don't be shy about asking what other options exist.

Ask what other options can be added to your policy.

If you can afford it, see what other options can be added. An important distinction is whether you will need a Worldwide with United State policy, or a Worldwide WITHOUT United States policy. Also, give strong consideration to ensuring that you have evacuation coverage should it be needed. The costs to get home due to a medical emergency can be staggering.

Expat Health Insurance

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000. Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Some of Joshua's more popular articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and 5 Best Places to Live in Spain. Connect with Joshua on LinkedIn.

William Russell Health InsuranceInternational Health Insurance

Get a quotes for international health insurance from our partner, William Russell.
Get a Quote

International-Health-Insurance10 Tips For Buying International Health Insurance

Ensuring you have International Health Insurance is one of the most important aspects of life abroad. These tips will get you on your way to finding the best policy for you and your loved ones.

Ensuring you have International Health Insurance is one of the most important aspects of life abroad. These tips will get you on your way to finding the best policy for you and your loved ones....

International-Health-InsuranceInternational Health Insurance FAQ

Here are some frequently asked questions that expats have related to international health insurance. Information related to insurance options, costs, coverages and more.

Here are some frequently asked questions that expats have related to international health insurance. Information related to insurance options, costs, coverages and more....

International-Health-InsuranceHow to Buy International Health Insurance

Learn about International Health Insurance and get started on the process of purchasing a policy that is right for you and your loved ones.

Learn about International Health Insurance and get started on the process of purchasing a policy that is right for you and your loved ones....

International-Health-InsuranceInternational Health Insurance Glossary

Here's a glossary filled with terms related to international health insurance. Covers general terms as well as those that may help you understand what to look for in a policy.

Here's a glossary filled with terms related to international health insurance. Covers general terms as well as those that may help you understand what to look for in a policy....

Healthcare in #trim(getname.networkname)#Country Healthcare Guides

Evaluate information about health insurance and the health care system in your new country.

First Published: May 25, 2021

William Russell Health InsuranceInternational Health Insurance

Get a quotes for international health insurance from our partner, William Russell.
Get a Quote

International-Health-Insurance10 Tips For Buying International Health Insurance

Ensuring you have International Health Insurance is one of the most important aspects of life abroad. These tips will get you on your way to finding the best policy for you and your loved ones.

Ensuring you have International Health Insurance is one of the most important aspects of life abroad. These tips will get you on your way to finding the best policy for you and your loved ones....

International-Health-InsuranceInternational Health Insurance FAQ

Here are some frequently asked questions that expats have related to international health insurance. Information related to insurance options, costs, coverages and more.

Here are some frequently asked questions that expats have related to international health insurance. Information related to insurance options, costs, coverages and more....

International-Health-InsuranceHow to Buy International Health Insurance

Learn about International Health Insurance and get started on the process of purchasing a policy that is right for you and your loved ones.

Learn about International Health Insurance and get started on the process of purchasing a policy that is right for you and your loved ones....

International-Health-InsuranceInternational Health Insurance Glossary

Here's a glossary filled with terms related to international health insurance. Covers general terms as well as those that may help you understand what to look for in a policy.

Here's a glossary filled with terms related to international health insurance. Covers general terms as well as those that may help you understand what to look for in a policy....

Healthcare in #trim(getname.networkname)#Country Healthcare Guides

Evaluate information about health insurance and the health care system in your new country.

9-Healthcare--Health-Insurance-Tips-for-Expats-in-BelizeBelize Healthcare Guide

Expats in Belize share tips and advice about healthcare and health insurance in Belize. While some expats advise those with serious health issues not to move to Belize, other expats choose Corozal for its proximity to doctors and clinics over the border in Chetumal, Mexico. Other topics include the quality of medical care, having a baby in Belize and more.

Expats in Belize share tips and advice about healthcare and health insurance in Belize. While some expats advise those with serious health issues not to move to Belize, other expats choose Corozal fo...

Healthcare-in-Costa-RicaCosta Rica Healthcare Guide

Costa Rica is has both public and private healthcare systems. When you become a resident, you must enroll in the public healthcare system (CAJA). Many expats use the public system for routine healthcare and have private expat health insurance for specialists, surgeries and emergencies.

Costa Rica is has both public and private healthcare systems. When you become a resident, you must enroll in the public healthcare system (CAJA). Many expats use the public system for routine health...

Healthcare-in-FranceFrance Healthcare Guide

Expats often ask if health insurance is free in France or if you need health insurance to go to France. Here is basic information about the French healthcare system.

Expats often ask if health insurance is free in France or if you need health insurance to go to France. Here is basic information about the French healthcare system....

Healthcare-in-Italy-2021Italy Healthcare Guide

An overview of the healthcare system in Italy - public and private hospitals, Servizio Sanitario Nazionale (SSN), getting your Tessera Sanitaria (healthcare card), Covid-19 entry requirements, vaccinations for Italy, prescription medication availability and more.

An overview of the healthcare system in Italy - public and private hospitals, Servizio Sanitario Nazionale (SSN), getting your Tessera Sanitaria (healthcare card), Covid-19 entry requirements, vaccina...

Copyright 1997-2021 Burlingame Interactive, Inc.

Privacy Policy Legal