Long-term coverage
Health insurance for living abroad
If you are living outside the US for six months or more, a travel plan is not enough. Expats, remote workers, and retirees need ongoing health coverage they can renew. That is what the Long-Term plan is for.
Why expats need their own plan
Coverage, not just emergencies
Travel plans handle the unexpected. Living abroad means routine care too. The Long-Term plan is built for ongoing health needs, not only emergency travel medical events.
Renew year after year
Stay covered as long as you live abroad. Renew annually without rebuying a short-term policy every few months.
A real provider network
Access vetted providers across 190 countries, with direct pay at in-network hospitals and clinics so you are not fronting the cost.
Long-Term
Real health insurance for living abroad.
Expats, remote workers, and retirees living outside the US for six months or longer.
- Comprehensive health coverage, not just emergency travel care
- Renewable year after year while you live abroad
- Access to a vetted international provider network
- Direct pay at in-network providers, so you are not fronting the cost
Expat health guides by country
What Americans living abroad should know about residency, the local health system, and coverage in the most popular expat destinations.
Build a life somewhere new. Keep the health coverage that follows you there.
Get your quoteThe difference that matters
Your doctor gets paid directly. You do not front the bill.
BCBS Global Solutions has a direct-pay provider network in 190 countries. At an in-network hospital or clinic, the plan settles the bill directly. You are not handing over a credit card for a large medical charge and waiting months for a refund.
That is the gap most travel insurance leaves open. Plans like World Nomads, SafetyWing, and Allianz usually work on reimbursement. You pay upfront, file a claim, and hope it comes back. For a real emergency abroad, that difference is the whole point.
BCBS Global, in network
$0 out of pocket
Plan pays the provider directly at the point of care.
Typical reimbursement plan
Pay first, claim later
You cover the bill, then wait weeks or months for a refund.
Not sure which plan fits?
Book a free 15-minute Insurance Sanity Check. It is a second opinion on the coverage you have or the trip you are planning, not a sales pitch. Most people do not realize what their credit card or current policy leaves out.
Free guide
Which BCBS Global plan fits you?
Get the plain-English plan picker. It walks you through Single-Trip, Multi-Trip, Long-Term, and student coverage in two minutes, so you buy the right plan the first time.
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