Expat Health Insurance, Compared for You
Annual international medical cover for expats, families and global professionals. Tell us where you live and who needs cover. We compare plans from leading international insurers and explain your options in plain language, before you buy and after.
Find your suitable plan
Expat Health Insurance Built for Life Abroad
Expat health insurance is annual international medical cover for people who live or work outside their home country. It is built for ongoing care: hospital treatment, specialist visits, prescriptions and emergency evacuation, with options such as maternity, dental, vision and mental health. You choose where you are covered, whether worldwide, worldwide excluding the USA or a single region, and the policy renews each year.
Elev8 Insurance is an independent broker, not an insurer. We compare suitable plans across several international insurers, explain the limits and exclusions that matter for your household, and stay your contact for claims and renewals.
Who We Help
Whether you are moving alone, relocating a family or covering a team, we match the plan to where you live and how you use healthcare.
Individuals and couples
Portable cover for life in a new country, with the benefits you choose.
Families
One policy for the whole household, including children and plans with maternity cover.
Organizations and businesses
Group medical insurance for international staff and their dependants.
Already insured?
We review your current policy before renewal and check it still fits.
What Your Expat Health Plan Can Include
Start with core medical cover, then add the benefits you will use. Your quote shows exactly what each plan includes.
Hospital and surgery
Inpatient stays, surgery, diagnostics and specialist treatment.
Outpatient and prescriptions
Doctor visits, tests and medicines on plans that include outpatient care.
Emergency evacuation
Transport to suitable care when the policy's medical criteria are met.
Maternity and newborns
Pregnancy, birth and newborn care on selected plans, usually after a waiting period.
Dental, vision and mental health
Included on higher plan tiers or added as optional modules.
Worldwide or regional cover
Worldwide, worldwide excluding the USA, or one region, priced to match.
Benefits, limits, exclusions and waiting periods vary by insurer and plan.
Buying Direct vs. Buying Through Elev8
Buying direct can work if you already know the insurer and plan you want. If you would rather compare first, we do the legwork for you.
Buying direct
- One insurer's plans to choose from
- You work through the policy wording alone
- You complete the application yourself
- You handle claims and renewals on your own
With Elev8
- Plans from several insurers, side by side
- We explain limits, exclusions and waiting periods
- We help with the application and paperwork
- One contact for claims questions and every renewal
FAQs About Expat Health Insurance
How much does expat health insurance cost?
The price depends on your age, where you live, your area of cover, your deductible and the benefits you add. Including the USA usually costs more. The quickest way to see a real price is a free quote for your household. For published price examples, see our 2026 expat health insurance cost guide.
Which insurers can you quote?
We compare plans from international insurers including Cigna Healthcare, APRIL International, Now Health International, Pacific Cross and Best Doctors Insurance. The plans available to you depend on your country of residence, nationality and age.
Can I cover my whole family on one policy?
Yes. Most international plans let you add a partner and children to one policy. Maternity and newborn cover depend on the plan and usually have a waiting period, so tell us if you are planning to grow your family. See family health insurance for expats.
Is the quote really free?
Yes. Requesting a quote and booking a 30-minute consultation are both free, and there is no obligation to buy.
Where do you arrange cover?
We handle enquiries from expats in the countries listed here. Eligibility depends on the insurer and your country of residence.
I already have a policy. Can you help?
Yes. We can review your current cover before renewal, compare it with alternatives and explain what would change if you switch. Start with a policy review.
Related Guides & Resources
Want more detail before you buy? Our guides cover the technical questions in depth.
- Compare expat health plansPlan types, coverage areas, and travel vs local vs international cover.
- Expat health insurance cost in 2026Published premiums by age, region and deductible.
- Pre-existing conditions and claimsUnderwriting, pre-authorisation and claims documents.
- Renewal checklistWhat to review before you accept a renewal.
- Cigna vs Allianz vs BupaPlan tiers, limits and who each insurer suits.
- Americans living abroadACA rules, Medicare abroad and plan options.
- Retiring abroadPlans for over-60s, including insurers with high or no upper age limits.
- Country guidesHealth insurance rules by destination.