International health and travel coverage.

Who international coverage is for

• Long-term travelers — sabbaticals, extended trips, “digital nomads”
• Expats — Americans living abroad full-time
• Snowbirds and dual residents — people splitting time between the U.S. and another country
• Foreign nationals visiting or studying in the U.S.
• Frequent international business travelers

Travel medical vs. expat health insurance

The two main categories of international coverage solve different problems:

• Travel medical insurance is short-term — typically days to a few months. It covers emergency care while you’re away from your home country. It doesn’t cover routine care, pre-existing conditions in most cases, or care once you’ve returned home.
• International expat health insurance is long-term. It works more like a comprehensive major medical plan — preventive care, primary care, hospitalization, prescriptions — but the network is global.

Medical evacuation coverage

Most international policies include or offer emergency medical evacuation coverage. If you’re seriously injured or ill in a place that can’t provide adequate care, evacuation coverage transports you to the nearest facility that can — or back to your home country, depending on the policy. Out-of-pocket, a single medical evacuation can cost between $50,000 and $250,000.

How we help

International health insurance is one of the most under-discussed product lines because most U.S. agencies don’t carry it. We do. A licensed El-Mag agent will match the policy term and benefits to how and where you actually travel or live.