Compare International Health Insurance Quotes from the leading providers

Compare International Health Insurance

Overview

International Health Insurance, Compared Simply

Full private medical cover for people living, working or relocating abroad, not just emergency treatment. Cover is portable, so it moves with you if you relocate again.

Comparing international health insurance quotes
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7 Leading Providers

Cigna Global, Allianz Care, Bupa Global, AXA Global Healthcare, April International, Now Health International and William Russell.

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Biggest Cost Factor

Including the USA can add 30-60% to your premium.

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Impartial Advice

We compare the market, not push one provider.

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Common Question

Isn't My NHS Or GHIC/EHIC Cover Enough?

A GHIC or EHIC helps with emergency treatment on EU visits, but your NHS entitlement stops once you're no longer a UK resident, and over 250,000 Brits emigrate each year without realising this.

Checking what NHS and GHIC cover doesn't include when moving abroad

What GHIC/EHIC Doesn't Cover

  • Full private healthcare
  • Routine or ongoing treatment
  • Medical evacuation or repatriation

When You Need International Cover

  • Moving abroad permanently
  • Working overseas long term
  • Staying somewhere for an extended period
Coverage Detail

What's Actually Covered?

Varies by provider and plan, here's the typical shape of a policy.

Usually Standard

  • Inpatient & hospital treatment
  • Outpatient consultations & diagnostics
  • Cancer treatment
  • Emergency evacuation & repatriation
  • 24/7 multilingual assistance

Optional Extras

  • Dental & optical care
  • Maternity cover
  • Mental health support
  • Cover including or excluding the USA

Typical Exclusions

  • Undeclared pre-existing conditions
  • Cosmetic or elective surgery
  • Routine pregnancy (unless added)
  • Claims outside your area of cover
What Affects Your Price

Worldwide, Worldwide Excluding The USA, Or Regional?

Your area of cover is the single biggest lever on price, bigger than your age or level of cover.

Weighing up international health insurance cover options

Worldwide Inc. USA

The most comprehensive and most expensive option, adding 30-60% to your premium.

Worldwide Excl. USA

The sensible middle ground for most expats with no significant US ties.

Regional Cover

Restricted to one area, such as Europe, substantially cheaper if that's all you need.

Your age, level of cover, excess, optional extras and whether you're insuring a family also affect the price, but area of cover moves the needle most.

Not Sure Which Area Of Cover You Need?

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Compare Providers

Compare The Leading Providers Side By Side

Who are the leading providers? Here's how they compare on cover, cost and customer rating.

ProviderRatingTypical Cost RangeTypical CoverKey Benefits
Allianz Care ★★★★☆4.5/5 (Feefo) From £1,000 basic
to £5,500+ comprehensive		 Inpatient, outpatient, cancer care, medical evacuation and repatriation, worldwide cover Designed for expats, digital claims, global hospital network, 24/7 support
APRIL International ★★★★☆4.1/5 (Trustpilot) From £700 basic
to £4,000+ comprehensive		 Inpatient, outpatient, short and long term plans, worldwide cover 24/7 multilingual support, direct billing, flexible plan options, optional extras
AXA Global Healthcare ★★★★☆4.1/5 (Trustpilot) From £1,100 basic
to £4,800+ comprehensive		 Inpatient, outpatient, cancer care, medical evacuation and repatriation, worldwide cover Virtual GP consultations, mental health support, digital claims, dental add-on options
Bupa Global ★★★★☆4.2/5 (Trustpilot) From £1,200 basic
to £5,000+ comprehensive		 Inpatient, outpatient, cancer treatment, worldwide cover Extensive private network, virtual and telephone consultations, direct billing, comprehensive family cover
Cigna Global ★★★★☆4.1/5 (Trustpilot) From £900 basic
to £4,500+ comprehensive		 Inpatient, outpatient, dental and vision care, wellbeing and preventative care Build your own plan, direct billing, second medical opinion, global access to care
Now Health International ★★★★☆4.5/5 (Trustpilot) From £950 basic
to £4,200+ comprehensive		 Inpatient, outpatient, medical evacuation and repatriation, worldwide cover Fast digital claims, quick approvals, telemedicine, family cover options
William Russell ★★★★☆4.4/5 (Feefo) From £800 basic
to £3,800+ comprehensive		 Inpatient, outpatient, medical evacuation and repatriation, family cover Flexible plan design, direct billing, strong UK support, trusted by expats

Ratings sourced from Trustpilot and Feefo, checked July 2026. Cost ranges are indicative. Get a personalised quote for an accurate figure.

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Only Travelling, Not Relocating?

UK Insurers With Worldwide Add-Ons

If you're mostly UK-based but travel or spend part of the year abroad, a full international policy might be more than you need. Aviva, AXA, Bupa and Vitality all offer worldwide cover as a simpler, cheaper add-on to standard UK health insurance.

Compare UK Health Insurance Instead
Traveller comparing UK health insurance with worldwide cover options
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4.5 · Rated Excellent on Trustpilot
Reviews

What Our Users Are Saying

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Incredible service from start to finish. Hassle free and very clear. I am really grateful for the team and their support.

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Had a hike in premium at renewal. Used the service and was talked through options, found a substantial saving with another insurer.

Richard Hart, Google Review
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Great service. Switched my insurer due to an increase at renewal and saved over £600 for our family.

Philip Johnson, Google Review
FAQs

International Health Insurance FAQs

What is international health insurance?

Private medical cover for people living, working or relocating abroad long term. It covers illness, injury and ongoing treatment, not just emergencies, and is portable if you move again.

How is it different from travel insurance?

Travel insurance covers short trips and emergencies only. International health insurance provides full ongoing medical protection for people actually living abroad.

How much does it cost?

Typically from around £700 a year for basic cover up to £5,500 or more for comprehensive cover including the USA. Get a free personalised quote for an accurate figure.

Does it cover pre-existing conditions?

This varies by provider and plan. Undeclared pre-existing conditions are typically excluded, so accurate disclosure is important.

How do I avoid a coverage gap when moving abroad?

Set up your policy before your existing UK cover ends and before you relocate. Most providers let you arrange cover in advance.

Do providers pay hospitals directly?

Most offer direct billing at major hospitals, so you don't pay upfront. Some claims may still require reimbursement, worth checking before you buy.

Is your service free?

Yes, completely free to use, with no obligation to buy.

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Sources & Disclaimer

Ratings, cover details and pricing examples are based on published information from Trustpilot, Feefo and provider pricing guides, reviewed July 2026, and are indicative only. Insurer products, benefits and prices change periodically, so always confirm current details directly with the provider or one of our brokers before buying.

This guide is for general information only and is not regulated financial advice.

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