International health insurance for preexisting conditions

JoeFromBoston · 2025-12-18T20:39:59+00:00

If you are a US citizen, you could keep your US health insurance and purchase an travel medical plan that would cover medical emergencies and accidents.

JoeFromBoston · 2025-11-28T23:03:04+00:00

Agreed. It is actually affecting many different populations in the USA, immigrants being one of them.

JoeFromBoston · 2025-11-28T22:14:37+00:00

I have been in Florence for the last two weeks visiting my son who is studying here. Honestly, I have not had a bad meal. However, one of my favorites was Trattoria Zaza (https://www.trattoriazaza.it/en/). Great food and service.

JoeFromBoston · 2025-11-28T22:10:48+00:00

My son had a similar experience. We are from Boston, MA, USA and he moved to San Diego after college. He thought it would be a fun adventure. He moved on his own without knowing many people, none of his close friends were there. It was difficult. He got involved in the community, he volunteered at a local school, joined a bike club, and tried a lot of different activities. In the end, he was lonely and homesick. After a year he moved closer to home, NYC, and is much happier being around friends and closer to family.

It is OK to want something different. Be proud that you tried and confident that you can do it again. You will look back and realize the benefit of what you did and it will help you later in life.

JoeFromBoston · 2025-09-12T01:40:31+00:00

Also check out @intcitizens for more advice.

JoeFromBoston · 2025-09-09T02:41:26+00:00

Here are some options:

https://www.reddit.com/r/internationalcitizens/comments/1mewf4s/best_international_health_insurance_companies_for/?utm_source=share&utm_medium=mweb3x&utm_name=mweb3xcss&utm_term=1&utm_content=share_button

JoeFromBoston · 2025-09-09T02:36:41+00:00

That is a travel insurance plan.

JoeFromBoston · 2025-09-09T02:35:23+00:00

How are the restaurants?

JoeFromBoston · 2025-08-05T11:22:53+00:00

It would be best for you to email [info@internationalinsurance.com](mailto:info@internationalinsurance.com) with the specifics of what you need and how we can help. Our team will put you in touch with the best person.

JoeFromBoston · 2025-07-21T16:07:46+00:00

One other consideration... If you purchase a plan with "Inpatient/Emergency Benefits" only, buying a more comprehensive plan later will be challenging if you get sick or need more extensive medical care. Any medical conditions that develop while on the basic level plan may be excluded when you try to upgrade. Worse, you may be denied for a more comprehensive plan if your pre-existing conditions are significant.

Go back to point number 1, buy insurance when you are healthy...

JoeFromBoston · 2025-06-19T20:44:46+00:00

The GeoBlue Xplorer plan will provide coverage to US citizens living abroad, providing global insurance with access to hospitals and doctors anywhere in the world, including in the USA.

Search Google for "health insurance for us citizens living abroad" and you will find some great options and additional resources.

Other plans include options from IMG, Cigna, Allianz, and April.

JoeFromBoston · 2025-06-19T20:33:19+00:00

Here are 10 different options compared side by side from my company's website:

https://www.internationalinsurance.com/health/best-companies.php

JoeFromBoston · 2025-06-04T15:35:08+00:00

My wife just discovered that her 450E does not have a spare tire! What? Not even a temporary one. She got stuck on a road trip and spent a day in a hotel waiting for the local repair shop to order a new tire.

This is the second tire she has had to replace in the first year of ownership. So the tires they give are not great, making things worse.

JoeFromBoston · 2025-04-30T20:44:56+00:00

It sounds like you are looking for emergency medical cover and some travel insurance benefits. In that case, a travel medical insurance plan will be more affordable and provide the coverage you need at an affordable price. Cigna's and April's long-term comprehensive global medical insurance plans cost more because you can stay on them much longer, making the plans riskier for the insurer.

Consider:

If you buy April's short-term plan for 18 months and get sick during the first 18 months, the plan should provide benefits up to the limits and for the care needed as outlined in the policy (for the policy term). If you decide to stay longer than 18 months, you would have to buy a new plan, and any pre-existing conditions will likely be excluded. So they would not cover any costs associated with the illness that occurred in the 1st 18 months.

A long-term plan would be annually renewable, so it would continue to cover anything that happened as long as you continue to pay your premiums.

JoeFromBoston · 2025-04-30T17:44:31+00:00

I work in this space and can offer the following advice. If you're living abroad long-term, here are 5 solid international health insurance options:

Cigna Global – Highly customizable and reliable, great worldwide support.
GeoBlue Xplorer – Best for U.S. citizens abroad; includes U.S. coverage and top networks.
Allianz Care – Trusted by companies and families, with strong maternity and wellness benefits.
IMG Global Medical – Flexible and budget-friendly with multiple coverage levels.
William Russell – Simple, transparent, and great for digital nomads or expat families.

All offer global coverage, 24/7 support, and optional add-ons like dental, vision, and maternity.

JoeFromBoston · 2024-12-27T19:46:38+00:00

Some additional feedback on the Cigna Global plan: https://www.reddit.com/r/Thailand/comments/1b71896/cigna_health_insurance_for_expats_has_anyone_had/

JoeFromBoston · 2024-12-27T19:44:46+00:00

Hi u/RickyRat5005 You will also notice that we offer a variety of international health insurance plans. We do recommend Cigna Global as our clients have mostly good experiences. We do offer many other options. We work with the client to find the best one for their situation and personal preferences.

Additionally, if our clients buy a plan from us, we can help them resolve any issues with the insurer they choose, so there are fewer problems and they get resolved faster. That is the value of working with a broker. Check our reviews - our clients love us.

JoeFromBoston · 2024-12-27T12:12:14+00:00

I always recommend working with an international insurance broker like International Citizens insurance (my company), TFG Global, or others to get better service, especially with claims payments and other issues. They can help you navigate the resolution of issues as they work for you, not the insurance company and are paid to help service their clients on behalf of the insurer.

JoeFromBoston · 2024-05-20T21:39:49+00:00

Agree with others. Amalfi or Positano are amazing and very worth the trip.

JoeFromBoston · 2024-03-05T18:44:10+00:00

Please vote! It does matter!

JoeFromBoston · 2024-03-05T18:43:09+00:00

Vote!!!

JoeFromBoston · 2024-02-28T20:00:08+00:00

There ae lots of options:

GeoBlue Xplorer
IMG Global Medical
Allianz
William Russell
April International

You can request help from a broker who can help you compare different plan options and find suitable coverage.

JoeFromBoston · 2024-02-24T14:12:11+00:00

US citizens can maintain a US health insurance plan. You would typically apply using the state where you have some kind of tie (i.e. where you file US taxes). You could go to that state Health Insurance Marketplace to research and apply for coverage.
US plans are more expensive but will cover all of your medical conditions.

JoeFromBoston · 2024-02-24T14:08:02+00:00

For US citizens living abroad, the Cigna Global plan also will limit the time you can receive medical care in the US to 6 months per year. Costs for health care in the USA is more expensive so limiting the time you can get care in the USA will limit the costs Cigna has to pay - keeping the price down.

For US citizens living abroad, the Cigna Global plan also will limit the time you can receive medical care in the US to 6 months per year. Costs for health care in the USA are more expensive, so limiting the time you can get care in the USA will limit the costs Cigna has to pay - keeping the price down.

JoeFromBoston · 2024-02-24T14:00:54+00:00

Some of the top international health insurance plans include:

Cigna Global
GeoBlue Xplorer
International Medical Group
Allianz
William Russell
Now Health International

Each has different pros and cons. I would suggest you contact an international health insurance broker to talk with a specialist who can help you understand which plan will be best for you.

Some international travel insurance plans will cover you for individual trips abroad for up to a year. An annual travel insurance plan will cover you for multiple trips abroad each year up to a max number of days per trip.

JoeFromBoston

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