{"id":12984,"date":"2025-07-10T00:20:08","date_gmt":"2025-07-09T16:20:08","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=12984"},"modified":"2026-02-19T01:09:20","modified_gmt":"2026-02-18T17:09:20","slug":"international-insurance-essential-guide-to-expat-insurance-for-global-nomads","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/international-insurance-essential-guide-to-expat-insurance-for-global-nomads.html","title":{"rendered":"Essential Guide to Expat Insurance for Global Nomads"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The right expat health insurance policy meets all visa requirements for the destination country and provides adequate medical coverage for the global nomad\u2019s specific health needs. Expats should review policy terms and get expert advice to secure the best policy.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you ready to embark on a great adventure as a digital nomad? Are you looking for top providers to make sure you get the best international health insurance as an expat or digital nomad?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This Pacific Prime guide provides all the information you need to find the perfect <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">expat health insurance<\/span><\/a><span style=\"font-weight: 400;\"> as a\u00a0 global nomad. We\u2019ll address why expat health insurance is so important, help you know what to look for in a plan, and more.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Read on, or find <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">more information on global health insurance for expats here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><b>Why Expat Health Insurance is Necessary<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-22786 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/smiling-man-with-glasses-working-remotely-on-laptop-in-office.webp\" alt=\"Image of Smiling Man With Glasses Working Remotely On Laptop In Office with text overlay of &quot;Why Expat Health Insurance is Necessary&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/smiling-man-with-glasses-working-remotely-on-laptop-in-office.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/smiling-man-with-glasses-working-remotely-on-laptop-in-office-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/smiling-man-with-glasses-working-remotely-on-laptop-in-office-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/smiling-man-with-glasses-working-remotely-on-laptop-in-office-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/smiling-man-with-glasses-working-remotely-on-laptop-in-office-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-for-living-abroad.html\"><b>Expat health insurance<\/b><\/a><b> is a common visa requirement for expats living or working abroad.<\/b><span style=\"font-weight: 400;\"> Going without health insurance is also a major financial risk, as paying for medical care out of pocket can be very expensive.\u00a0<\/span><\/p>\n<h3><b>International Health Insurance Requirements for Expats<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Expats moving to another country must acquire the appropriate visas. Each country has its own requirements for visa applicants, but most countries <\/span><b>require proof of health insurance before they will issue a visa<\/b><span style=\"font-weight: 400;\">. The country\u2019s visa guidelines explain the minimum health insurance requirements.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Countries with subsidized or publicly funded healthcare programs often <\/span><b>do not cover expats until the expats meet permanent residency requirements<\/b><span style=\"font-weight: 400;\">. Your destination country\u2019s public healthcare system may also only provide limited medical coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some countries may provide medical coverage abroad for citizens and residents under their public health insurance system, such as <\/span><a href=\"https:\/\/www.servicesaustralia.gov.au\/reciprocal-health-care-agreements\"><span style=\"font-weight: 400;\">Australia<\/span><\/a><span style=\"font-weight: 400;\"> and the <\/span><a href=\"https:\/\/employment-social-affairs.ec.europa.eu\/policies-and-activities\/moving-working-europe\/eu-social-security-coordination\/european-health-insurance-card_en\"><span style=\"font-weight: 400;\">European Union<\/span><\/a><span style=\"font-weight: 400;\">. However, this coverage usually covers necessary care and only for a short period of time.<\/span><\/p>\n<h3><b>Domestic Insurance Policy Limitations<\/b><\/h3>\n<p><b>Domestic insurance policies rarely provide coverage abroad.<\/b><span style=\"font-weight: 400;\"> If you are planning on leaving the country where your health insurance policy was issued, verify coverage. Programs like US <\/span><a href=\"https:\/\/www.medicare.gov\/\"><span style=\"font-weight: 400;\">Medicare<\/span><\/a><span style=\"font-weight: 400;\"> do not provide any coverage outside of the US and its territories.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your current health insurance provider may have global coverage options. One benefit of selecting a global policy from your current insurance company is that, as an already-enrolled customer, you may qualify for <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/pre-existing\/\"><span style=\"font-weight: 400;\">pre-existing conditions<\/span><\/a><span style=\"font-weight: 400;\"> coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/blue-cross-blue-shield-global-solutions\/\"><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global Solutions<\/span><\/a> <span style=\"font-weight: 400;\">offers travel and international health insurance policies to supplement domestic health insurance in the United States.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Global Insurance Coverage vs. Regional Insurance\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Insurance companies offer <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">international health insurance<\/span><\/a><span style=\"font-weight: 400;\"> policies as global plans or regional plans. Global plans may include or exclude the United States. Plans including the United States cost more while regional plans are often more affordable but have a limited coverage area.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you plan to move around frequently, consider a global plan so that you can anticipate your coverage options abroad. Many major international health insurance providers have extensive direct billing networks, so you won\u2019t have to wait for reimbursement of medical expenses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Learn what companies are in the <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-top-10-providers.html\"><span style=\"font-weight: 400;\">top ten international health insurance providers<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><b>How to Purchase Expat Health Insurance<\/b><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">Expat health insurance<\/span><\/a><span style=\"font-weight: 400;\"> can be purchased online directly through the insurance company or through an insurance broker. Insurance brokers offer free services and partner with multiple insurance companies. Before purchasing, there are important decisions to make about the type of policy you need.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How large does your coverage area need to be?\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How long do you need an international health insurance policy?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Is there a waiting period for any of your coverage needs?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Does the policy cover pre-existing conditions?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How do I compare quotes?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Let\u2019s take a closer look at each of these decisions that expats need to consider.<\/span><\/p>\n<h3><b>Choosing Your Coverage Area<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If you plan to stay in a particular region of the world, you may save money by choosing a policy that only covers that region. To cover you more extensively, select a plan with more global coverage. <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers\/msh-international-insurer\/#:~:text=MSH%20International%20Health%20Insurance%20Plan,USA%2C%20or%20excluding%20the%20USA.\"><span style=\"font-weight: 400;\">MSH International has five geographic regions<\/span><\/a><span style=\"font-weight: 400;\"> to help its customers save money on premiums.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Generally, you\u2019ll find the following types of international health insurance options:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Local policies:<\/b><span style=\"font-weight: 400;\"> These policies are issued by an insurance company in the destination country that only cover you in said country.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Regional policies:<\/b><span style=\"font-weight: 400;\"> These policies provide medical coverage in a selected region. This is helpful for expats who want to live in a country with limited medical facilities because they can obtain care in a nearby country with more sophisticated medical options.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global coverage excluding the United States:<\/b><span style=\"font-weight: 400;\"> The United States is the most expensive country for medical care. If you have a domestic policy in the United States, or you do not plan to be in the USA, you can save money on premiums by excluding the US from your policy.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global coverage including the United States:<\/b><span style=\"font-weight: 400;\"> If the USA is among your destinations, or you plan to stay in the US for extended times without a domestic policy, you\u2019ll want to include the USA on your policy.<\/span><\/li>\n<\/ul>\n<h3><b>Coverage Duration<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Decide how long you need insurance abroad. <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">Expat health insurance policies<\/span><\/a><span style=\"font-weight: 400;\"> last for one year or longer. Insurance policies for less than one year fall under short-term or travel insurance policies. Many expat health insurance policies allow for indefinite renewal for expats under a specific age.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><b>Waiting Periods<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Certain types of coverage, such as <\/span><a href=\"https:\/\/www.pacificprime.com\/insurance-plans\/dental-health-insurance\/\"><span style=\"font-weight: 400;\">dental insurance<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/maternity\/\"><span style=\"font-weight: 400;\">expat maternity insurance<\/span><\/a><span style=\"font-weight: 400;\">, have waiting periods before benefits can be used. This means you must pay premiums for the length of the waiting period before you can file claims. Be aware of waiting periods when choosing a policy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are planning to start or expand your family during your time abroad, you will need to get a maternity insurance plan <\/span><b>up to two years before you plan to conceive<\/b><span style=\"font-weight: 400;\">. It\u2019s not uncommon for international health insurance companies to have a 24-month waiting period for maternity benefits.<\/span><\/p>\n<h3><b>Pre-Existing Conditions<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Most expat health insurance plans for individuals and families do not cover <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/pre-existing\/\"><span style=\"font-weight: 400;\">pre-existing conditions<\/span><\/a><span style=\"font-weight: 400;\">. Insurance companies will use the underwriting process to determine what, if any, coverage can be provided for pre-existing conditions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A pre-existing condition is any medical condition that you have been diagnosed with, treated for, sought medical advice regarding, or have symptoms for which a reasonable person would have sought medical advice before applying for the policy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The best way to obtain an international health insurance policy with pre-existing condition coverage is to get a group insurance policy, secure a plan through your employer, or find a provider with add-on riders for pre-existing conditions.<\/span><\/p>\n<h3><b>Comparing Expat Health Insurance Quotes<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Expats can compare quotes by visiting individual insurer website pages and getting estimates, but the most simple way is to work with an insurance broker who will help you <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/\"><span style=\"font-weight: 400;\">compare multiple policies within your search parameters<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have questions, you can also <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">speak with an insurance expert<\/span><\/a><span style=\"font-weight: 400;\"> for tailored advice.<\/span><\/p>\n<h2><b>Tips On Finding the Best Expat Insurance Policy<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-22787 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/woman-working-remotely-on-laptop-in-cozy-modern-home.webp\" alt=\"Image of Woman Working Remotely On Laptop In Cozy Modern Home with text overlay of &quot;Tips On Finding the Best Expat Insurance Policy&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/woman-working-remotely-on-laptop-in-cozy-modern-home.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/woman-working-remotely-on-laptop-in-cozy-modern-home-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/woman-working-remotely-on-laptop-in-cozy-modern-home-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/woman-working-remotely-on-laptop-in-cozy-modern-home-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/woman-working-remotely-on-laptop-in-cozy-modern-home-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Finding the best expat health insurance policy involves collecting information from other expats and using insurance advisors to understand, compare, and review policy terms. You can find an insurer with direct billing options to avoid having to wait for reimbursement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We\u2019ll explain each one of these tips in greater detail below.<\/span><\/p>\n<h3><b>Ask Other Expats<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Check out reviews from members of a desired insurance company. Speak with other expats to find out which companies they used and what their experience was like. An insurance company may claim outstanding customer service, but their customers will tell you the reality.\u00a0<\/span><\/p>\n<h3><b>Find an Impartial Insurance Expert<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Talking to an agent for the insurance company can be a great way to get policy information, but it\u2019s not an impartial way to learn about customer service or how fair their claims processes are. <\/span><b>An insurance broker represents more than one company and is a better source for impartial advice.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">An insurance broker represents you and wants to keep your business so that they will make recommendations based on your needs and preferences. An extra benefit of using an insurance broker like <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/thailand-insurance-needed-how-to-choose-insurance-broker.html#:~:text=An%20Outstanding%20Broker,filing%20insurance%20claims.\"><span style=\"font-weight: 400;\">Pacific Prime is access to dedicated claims support for clients<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b>Understand and Compare Policy Terms<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">You\u2019ll need to understand what the policy terms and coverage descriptions mean. This is one area where an insurance agent or broker can be especially useful for explaining terms like coinsurance or benefit limits. Once you understand, you need to compare plans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Premiums for health insurance are just the beginning of plan comparisons. Benefit limits, coverage exclusions, and direct billing options play a factor in the quality and affordability of a health insurance plan.\u00a0<\/span><\/p>\n<p><b>Make sure your plan is comprehensive enough to protect you from major medical expenses.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">For example, one significant way that expat insurance varies is coverage for prescription drugs. Many expat insurance companies either exclude outpatient prescription drugs altogether or offer them only on higher-tiered coverage plans or as optional riders.\u00a0<\/span><\/p>\n<h3><b>Consider Direct Billing vs. Reimbursement<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Major insurance companies have deals with hospitals that allow the hospital to bill your insurance company directly on your behalf. Without direct billing agreements, you have to pay upfront and seek reimbursement from your insurance provider.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The more extensive a direct billing network is, the easier it is to find care in the network. If you\u2019re looking for large direct billing networks to make accessing medical care easier, check out the <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-top-10-providers.html\"><span style=\"font-weight: 400;\">ten best international health insurance providers<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><b>Health Insurance Costs by Primary Country of Coverage<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Expats will find the highest premiums for coverage in the United States, and the lowest premiums in Thailand on average. The cost of health insurance premiums is related to the cost of medical care in the country.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following table compares the estimated costs of international health insurance premiums for an individual in the most expensive country and the most affordable country.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"3\"><b>Estimated Cost of International Health Insurance Premiums for an Individual<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Highest Premiums on Average<\/span><\/td>\n<td><span style=\"font-weight: 400;\">United States of America<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $9,817 annually<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Lowest Premiums on Average<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Thailand<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $3,594 annually<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><i><span style=\"font-weight: 400;\">Estimates taken from <\/span><\/i><a href=\"https:\/\/www.pacificprime.com\/cost-of-health-insurance-2024\"><i><span style=\"font-weight: 400;\">Pacific Prime\u2019s 2024 Cost of Insurance Report<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">.<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Don\u2019t forget that insurance companies offer plans that exclude coverage in the United States. If you don\u2019t need to travel to, work in, or live in the United States, you can exclude it from your plan to save money on premiums.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For global or digital nomads would like to factor the cost of health insurance to where they decide to live, here are the five most expensive countries for health insurance. For a more comprehensive and detailed list of countries and premiums, <\/span><a href=\"https:\/\/www.pacificprime.com\/cost-of-health-insurance-2024\"><span style=\"font-weight: 400;\">download the Pacific Prime\u2019s free report<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"3\"><b>Health Insurance Premiums in the 5 Most Expensive Countries<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Country<\/b><\/td>\n<td><b>Individual Annual Premiums<\/b><\/td>\n<td><b>Country<\/b><\/td>\n<td><b>Annual Premiums for a Family<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>United States<\/b><\/td>\n<td><b>USD$ 15,296<\/b><\/td>\n<td><b>United States<\/b><\/td>\n<td><b>USD$ 34,152<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Hong Kong<\/b><\/td>\n<td><b>USD$ 8,339<\/b><\/td>\n<td><b>Hong Kong<\/b><\/td>\n<td><b>USD$ 23,558<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Singapore<\/b><\/td>\n<td><b>USD$ 6,855<\/b><\/td>\n<td><b>Singapore<\/b><\/td>\n<td><b>USD$ 19,879<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Israel<\/b><\/td>\n<td><b>USD$ 6,317<\/b><\/td>\n<td><b>China<\/b><\/td>\n<td><b>USD$ 19,188<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>China<\/b><\/td>\n<td><b>USD$ 5,915<\/b><\/td>\n<td><b>Thailand<\/b><\/td>\n<td><b>USD$ 18,027<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b>Frequently Asked Questions<\/b><\/h2>\n<h3><b>What kind of health insurance do digital nomads need?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Digital nomads need health insurance that covers them in all of their destinations. Global health insurance policies, which may include or exclude the United States, are available through <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/\"><span style=\"font-weight: 400;\">international health insurance<\/span><\/a><span style=\"font-weight: 400;\"> companies.<\/span><\/p>\n<h3><b>How much is international health insurance for expats?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">International health insurance costs range from USD $3,600 to $9,000 annually, depending on the area and type of coverage. Costs depend on the cost of medical care in covered countries. The United States is the most expensive country for medical expenses and insurance coverage.<\/span><\/p>\n<h3><b>How does expat health insurance work?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Expat health insurance works like other private insurance policies. You can select providers and facilities within the expat health insurance plan\u2019s network. Many international health insurance companies have direct billing networks so you don\u2019t have to cover the medical bill upfront.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Expats who are familiar with the policy terms and have been able to compare multiple insurance companies are more likely to find a satisfactory expat insurance policy. An insurance broker like <\/span><a href=\"https:\/\/www.pacificprime.com\/\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> will help you do just this, and you won\u2019t have to pay an extra penny.<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Contact Pacific Prime today online<\/span><\/a><span style=\"font-weight: 400;\"> or by calling toll-free at 1-800-868-1451.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can also use <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">Pacific Prime\u2019s free quote generator<\/span><\/a><span style=\"font-weight: 400;\"> to explore options on your own. You can <\/span><a href=\"https:\/\/www.pacificprime.com\/online-quotation-tool-tutorial\/\"><span style=\"font-weight: 400;\">watch this tutorial<\/span><\/a><span style=\"font-weight: 400;\"> for more information on how to use a quote generator.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The right expat health insurance policy meets all visa requirements for the destination country and provides adequate medical coverage for the global nomad\u2019s specific health needs. Expats should review policy terms and get expert advice to secure the best policy.\u00a0 Are you ready to embark on a great adventure as a digital nomad? Are you &#8230;<\/p>\n","protected":false},"author":54,"featured_media":22785,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-12984","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Essential Guide to Expat Insurance for Global Nomads<\/title>\n<meta name=\"description\" content=\"This essential guide to expat insurance for global nomads explains the basics of finding and choosing international health insurance.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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