Comprehensive international health insurance for expats, digital nomads, missionaries, remote workers, and anyone living outside the U.S. for extended periods—true medical coverage, not a trip-cancellation product.
Compare all categories on Explore Plans. Students should also review our study abroad hub.
If you are relocating, remote-working abroad for a season, serving on a mission assignment, or studying overseas for a semester or year, short-trip travel medical is usually the wrong product. You need international health-style coverage that can support ongoing care.
Moving abroad for work or lifestyle? Long-term plans emphasize hospitalization, specialist access, and continuity of care in your host country—often with options that include or exclude U.S. coverage.
Staying months at a time in one or more countries? If your pattern exceeds typical multi-trip per-trip day limits, long-term international health is usually the better foundation than stacking vacation medical policies.
Specialized Non-Profit, Education, and Crew categories exist for assignments that do not look like tourist travel. Ask for the category that matches your visa and employer structure.
Semester and year-long programs often require specialty student medical (such as Navigator). Read why GeoBlue Navigator fits students and start at the study abroad hub.
Unlike short vacation medical policies that focus mainly on emergencies, long-term international health plans are built for ongoing needs—doctor visits, hospitalization, and management of chronic conditions subject to plan terms.
When local care is inadequate, evacuation and repatriation benefits help move you to an appropriate facility or home when medically necessary. Evacuation alone is not a substitute for solid medical limits—see our evacuation overview.
Options such as Worldwide Premier, Outside the U.S. plans, and Education / Crew / Non-Profit categories let you align coverage with where you live and whether you need U.S. access. Compare plan families on Explore Plans.
These products are not trip-cancellation insurance. They do not replace airfare or hotel refunds. Benefit schedules, deductibles, and underwriting vary—always review your quote and certificate.
Request a personalized long-term international health quote. We help match Worldwide Premier–style and specialized categories to your destination and stay length.
Request a Personalized Quote →Long-term international health insurance is priced more like traditional health insurance than short-term travel plans. Costs vary widely based on:
Typical Range: Monthly premiums often start in the low hundreds for younger healthy individuals and can go significantly higher for older travelers or families. Many plans offer annual payment discounts.
These plans are highly customized. The best way to understand pricing is to request a personalized quote.
Medicare beneficiaries traveling or living abroad should also read our Medicare abroad hub—Medicare generally does not replace international medical coverage.
Plans for living or working abroad for extended periods (commonly 3+ months), focused on medical care and evacuation—not trip cancellation.
Multi-Trip covers many shorter trips under a travel-medical structure. Long-term plans are international health-style coverage for living abroad (e.g., Worldwide Premier and specialized categories).
Generally yes, subject to each plan’s benefits, waiting periods, and underwriting. Confirm on your personalized quote.
Specialty education / Navigator-style medical plans often fit university requirements. See the Navigator student guide and study abroad hub.
Many can, subject to carrier rules and eligibility. More general answers on our FAQs page.
Get a personalized international health quote through BCBS Global Solutions. Licensed GlobeHealth producers help you choose medical + evacuation coverage that matches your stay.
Request a Personalized Quote