Expat health insurance with or without US cover
Last checked 2026-10-14
Why US cover changes the price and who needs it.
Why it matters
US healthcare is expensive, so international plans usually price 'worldwide including USA' much higher than 'worldwide excluding USA'.
Who needs it
US citizens who visit home often, or anyone who may want treatment in the US. GeoBlue is built around US access; Cigna Global, Allianz Care and William Russell offer US as an option.
Official sources
FAQ
Can I add US cover later?
Often only at renewal and subject to underwriting; check with the insurer.
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