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Global Health Insurance, Worldwide Medical Insurance

Every new travel endeavor has its fair share of risks. And if you are a frequent traveler, then having Global Health insurance will enable you to receive medical assistance in any part of the world. Worldwide health insurance will provide global medical coverage without being a burden on your finances. If you spent most of the year

Many-a-times your home insurance plan is not be accepted by health care providers abroad. Ins such cases you have to pay for the medical expenses from your pocket.

International health insurance plans offer international offers to ensure that you are covered for most health problems and medical emergencies – no matter where you travel.

Visitor Guard® is a leading US-based insurance company. We offer global health insurance to travelers from all over the world. Our experienced insurance agents are here to help you find the best international health insurance plan that suits your needs.

Global Health Insurance
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Global Medical Insurance®

  • Annual comprehensive worldwide medical insurance
  • Available for Individuals and Families
  • Offered for individuals from 14 days to 74 years
  • Annually renewable medical coverage
  • Maximum limit options from $1,000,000 to $8,000,000
  • Deductible options from $100 to $25,000
  • 4 Options – Bronze, Silver, Gold, Platinum
  • Brochure
Quotes and Purchase

Global Medical Insurance® Plan  

Global Medical Insurance provides comprehensive annual coverage for individuals and families. The policy is applicable for a year and can be renewed annually.  The plan offers a customizable insurance plan that works with the medical history of the policyholder.

The plan is offered by the International Medical Group (IMG). It helps you save more than 50% on out-of-pocket costs and deductibles. Global Health Insurance ensures that you can get treatment at the best medical centers abroad. 

Global Health Insurance offers four different options for coverage to meet your budget. The four different levels of coverage include the Bronze, Silver, Gold, and Platinum plans. Each plan provides coverage inside the U.S. and worldwide, and they allow you to obtain medical treatment at any facility. 

Medical counsel is available through the Medical Concierge program which provides information on non-emergency situations and gives you medical provider ratings and the general cost of the service – while in the United States. Other programs, such as Teladoc, provide you with professional medical counsel for diagnosis, treatment, and prescriptions. Maternity coverage is only available on the Platinum Plan after 10 months of coverage. 

visitor-guard - globe

GeoBlue Xplorer Insurance

  • Annual comprehensive worldwide medical insurance
  • Available for Individuals and Families
  • Offered for individuals from 14 days to 74 years
  • Annually renewable medical coverage
  • Unlimited Coverage
  • 2 Options – Premier and Essential
  • Brochure
Quotes and Purchase

GeoBlue Xplorer Insurance Plan

The Xplorer insurance provides coverage for individuals or families who are abroad for extended periods of time. The Xplorer provides two options – Xplorer Premier and  Xplorer Essential.  

The Xplorer Premier provides worldwide with comprehensive USA coverage while Xplorer Essential worldwide with basic or no USA coverage.

The Xplorer international health insurance plan lets members choose any provider when outside of the U.S. without receiving any kind of penalty. The resources available online are unsurpassed, including profiles of health facilities in more than 180 different countries. You can also find around 400 brand names of prescriptions and over-the-counter medications. Additionally, it includes the translation of medical terms in 10 of the most common languages. 

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Benefits of Global Health Insurance

  • Global Health insurance has immense benefits. Below are some of the many reasons to purchase an international health insurance plan.
  • Global medical coverage: No matter which part of the world you are in, your medical cost is covered by the policy.
  • Critical Illness Coverage: Critical illnesses like stroke, heart attack, etc. is compensated for by the insurance policy. Moreover, the plan also covers the treatment for a sudden accident.
  • Pre-Existing Condition: An acute onset of any pre-existing condition is included in the policy coverage.
  • Cost Efficient: The expense of medical treatment varies in different countries. Health insurance providing global medical coverage will pay for the treatment without burdening the policyholder.
  • Multiple Premium Options: International health insurance plans offer the option of monthly, quarterly, semi-annually, and annually premium.

Why choose us for global health insurance?

If you are looking forward to purchasing global health insurance, here is why you should consider us.

  • Global Access: Visitors Guard caters to the needs of not only American clients but also clients from all over the world.
  • Complete Assistance: Our experienced insurance agents will help choose the best global health insurance policy that caters to all your needs.
  • Multiple Insurance Policy Choices: You have the option of choosing from multiple insurance policies, designed by different companies under one roof.
  • Quick Claims: With Visitors Guard, the claim process is fast and efficient no matter where you are in the world.
  • Round-the-clock service: We love to help our customers. And for that our service team offers 24*7 service. All you need to do is call us to and we will answer all your questions and resolve your queries.


How to Purchase Global Health Insurance?

If you are curious about how to buy Global Health Insurance, there are three ways to do it. The first way is through private health insurance companies. They can be contacted either online or offline. A second way is to go to the individual plan websites and compare them. The third way is to go to a health insurance comparison website, and then you can purchase the coverage online. 

Why do You Need Global Health Insurance? 

When you travel abroad, you are often exposed to different cultures, local food items, different weather, and changing temperatures. This may sometimes cause temporary illnesses that need treatment. In rare cases, it may elevate to be a critical illness. Many travelers encounter accidents that require immediate medical attention.

This Global medical coverage pays for medical services such as doctor visits, hospitalization, ambulance service, prescription medication, emergency medical evacuation, repatriation, and more offering full proof health protection.

Who is Eligible for the Global Health Insurance Plan?  

A Global Health Insurance plan is available to individuals and families of all nationalities between the ages of 14 days to 74 years. U.S. citizens must plan to be residing outside the U.S. on or before their effective date and renewal dates, for at least six (6) out of the next 12 months. Additional eligibility restrictions apply to non-U.S. citizens residing in the U.S.  

Coverage ends at age 75. Persons 75 years of age and older are not eligible for coverage. Lifetime medical coverage is available if you are enrolled in the program by your 65th birthday and maintain continuous coverage to age 75. Prior to your 75th birthday, you will receive a summary of benefits for a new plan, the Global Senior Plan.  

Global Medical Insurance

Know more about Global Health Insurance Plan 

How Long Does it Take to Get a Global Health Insurance Policy?

It takes approximately 1 month to 45 days to get a Global Health Insurance Policy. Individuals or families can apply. A family can include all dependents who are 18 or younger, and they can apply on a single application. All applications will be required to go through the underwriting process. This may require additional medical records before approval can be given, and the premium is quoted based on the information provided.

How to pay for the policy

Payments can be made with a credit card or check. Based on the option you choose (monthly, quarterly, semi-annual or annual) payment needs to be sent along with your application. If the application is not accepted, the money will be returned.

When to Buy?

It is advised that you submit your application to the insurance company between 30 to 45 days prior to when you need the coverage. It will take the insurance company that long to process the application. Time is also needed to validate your health condition, as well as any pre-existing conditions.

Health insurance for international citizens living abroad
What Information is Required on the Application?

You can easily apply online or download the global health insurance application online and print it out. You will need to fill in the information by hand and then mail it to the company. It will be necessary to fill it inaccurately. Missing information will likely mean delays in approval or possible rejection.


Xplorer Premier Option 

The Xplorer Premier provides international health insurance coverage outside and inside the US. You can customize your medical insurance plan to suit your international living needs. You can define your deductible, opt for prescription drug level, and choose your doctor or hospital anywhere in the world. The deductible is waived for office visits with doctors. There are no waiting periods associated with preventive services and the policy can be kept up to 9 months upon returning home. The Xplorer Premium eliminates the pre-existing condition waiting period with proof of prior creditable coverage 

To be eligible you must meet only one of the requirements below: 

All U.S. citizens and U.S. permanent residents living abroad who are 74 or younger at the time of application are eligible to apply for coverage or; 

All legal residents of the U.S. (citizens and foreign nationals) who are age 74 or younger at the time of application are eligible or; 

An employee of a U.S. company, whereby the company pays the insurance premium. 

geo blue  international health insurance coverage


Xplorer Essential Option 

The Xplorer Essential provides coverage for those world travelers covered by a domestic US health insurance plan or for those who have no immediate plans to return to the US. Medical evacuations can cost $25,000 or more. Medical Evacuation Coverage, to transport you to higher quality medical care in the event of serious illness is included in this coverage. The plan also includes Accidental Death & Dismemberment Coverage. You can consider the Optional Pharmacy Coverage, which includes coverage for prescription medications outside the U.S. 

To be eligible for this coverage, you must meet only one of the requirements below: 

All U.S. citizens and U.S. permanent residents living abroad who are 74 or younger at the time of application are eligible to apply for coverage or; 
All legal residents of the U.S. (citizens and foreign nationals) who are age 74 or younger at the time of application are eligible; 
An employee of a U.S. company, whereby the company is domiciled in the U.S. and the company pays the insurance premium. 

Xplorer Select Option 

The Xplorer Select provided expedited Underwriting. There is no rate-up based on medical history  

To be eligible for the Select option you must meet only one of the requirements below: 

All U.S. citizens and U.S. permanent residents living abroad who are 64 or younger at the time of application are eligible to apply for coverage or; 

All legal residents of the U.S.(citizens and foreign nationals) who are age 64 or younger at the time of application are eligible; 

An employee of a U.S. company, whereby the company is domiciled in the U.S. and the company pays the insurance premium, and; 

You must be continuously enrolled in a U.S. primary health plan. 

international coverage for US citizens and US permanent residents living abroad
global health insurance cost

Buy Global Health Insurance

Before you go on your next trip, or when moving overseas, be sure to get covered with an international health insurance plan that works wherever you go. Proven coverage with a great plan and solid companies can help protect you and your loved ones. Contact us today if you have any questions about the Visitor Health Insurance policies. We look forward to helping you stay safe and insured while on your next great adventure!

Quotes & Purchase

Tips and Information about Global Health Insurance Policy

People over the age of 75 are not eligible for coverage unless already covered when they turn 75. Everyone 74 and under can apply if they are legal residents in the U.S. and live in an approved state. Employees of a U.S. company may also apply if the company is in an approved state and if the company is paying for the insurance coverage. 

Most medical plans typically do not renew automatically, but the application process is simple. You simply tell the company that you want to re-enroll. No medical questions will be asked, and the premium rates do not change as a result of claims you made previously. They will change, however, based on your age and medical inflation. 

Medicare cannot be used outside of the United States. If you have a Medicare Advantage Plan, it does provide coverage in the following countries: American Samoa, Puerto Rico, the Northern Mariana Islands, Guam, and the U.S. Virgin Islands. In some cases, it may provide coverage in Canada and Mexico. Travelers who are planning to retire in another country will need to buy a health insurance plan. 

This medical plan, although usable in the United States and abroad, is not a substitute medical plan for the Affordable Care Act; it does not meet the Minimum Essential Coverage requirements. 

When dealing with providers who are not contracted with the company, you will be required to pay them for services, and then submit a bill to the insurance company. 

Global Health Insurance FAQ

The global health insurance providing worldwide health coverage is administered by HTH Worldwide, the PA Group, and IMG. Underwriters include Cigna Global Insurance, Premier Health, International Medical Group, GeoBlue Global Medical, Allianz, Aetna International, and BUPA International.

The GeoBlue Xplorers policy is backed by a solid insurance company, the BCS Insurance company. This company has an A- rating from A.M. Best for its financial strength.

The Global Health Insurance policy is backed by Sirius International and has a rating of A excellent from A.M. Best for its financial strength. 

The Underwriting process usually takes 2-3 days. After the application has been submitted the Underwriters will evaluate the application and let you know if coverage can be provided. They will also let you know if more information is needed to complete the evaluation of the application. 

Whether or not an international health insurance plan will cover pre-existing conditions depends on the plan you buy. There could be a waiting period of six months to 24 months. A pre-existing condition sometimes may be covered if you had health insurance previously that covered it – called Credible Coverage. Some plans that do not cover pre-existing conditions will cover early onset, which refers to instances where a previously diagnosed or treated issue flares up without notice. 

While not required by law, anyone traveling abroad needs global Health Insurance. Whether traveling for a short- or long period.

 It includes ex-pats, foreign aid workers, missionaries, and any U.S. resident traveling outside of the United States. 

By going online and accessing the website, you can locate a medical facility and physician within your provider network. Communicate with your insurance company to get approval before you go in for treatment. After treatment, be sure to keep all of the bills, records, and other documents. And be sure to double-check that all of the information on the documentation is accurate. Pre-Certification may also be needed for certain treatments or medications if the insurance company is going to pay. 

Every insurance plan has its own particular set of exclusions. To find out which ones apply to your plan, you will need to read the policy certificate or contact the company directly. Here are some of the most common exclusions:

  •   Treatment for mental or nervous conditions (in-patient or out-patient).
  •   Maternity or care for newborns.
  •   Organ transplants.
  •   Hearing or vision aids.
  •   Treatment for injuries in amateur or professional sports.
  •   Treatment for relatives or any non-covered person.
  •   Treatment for injuries obtained from war, Terrorism, riot, or other illegal activities.
  •   Services eligible for payment from the government or other insurance companies.
  •   Drug and alcohol treatment.
  •   Treatment and supplies not deemed necessary, or not ordered by a physician.
  •   Cosmetic surgery or weight modification.
  •   Treatment for impotency or contraceptive medication and treatment.
  •   Dental treatment is usually only available as an optional rider. 

Some insurance plans offer special riders for terrorism, sports, dental, and vision. There is also a life insurance rider. Maternity benefits with the Global Health Insurance plan (available only with the Platinum policy) can be available after a waiting period of 10 months of continuous coverage or with the GeoBlue Xplorer policy, maternity can be applied for, once there has been 364 days of continuous coverage 

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