Xplorer International Health Insurance

Premier Expat Coverage

International health insurance - covering inside & outside the U.S.

Customize your medical insurance plan to suit your international living needs. Define your deductible, pick your prescription drug level, and choose your doctor or hospital anywhere in the world: in or out of our elite network of providers. [more information]

  • Deductible is waived for office visits with doctors
  • No waiting periods associated with preventive services
  • No precertification required except for transplants
  • Can be kept upon return home up to 9 months
  • Pre-existing condition waiting period can be eliminated with proof of prior creditable coverage

Essential Expat Coverage

International health insurance - covering outside the U.S.

For world travelers covered by a domestic U.S. health insurance plan, or for those who have no immediate plans to return to the U.S., Essential Expat Coverage is an excellent value. [more information]

  • Save 40-50% by trimming away coverage in the U.S.

Strength in ratings, top industry support

Our international health insurance plans are backed by a U.S. Insurer, no matter how much time you spend in or out of the U.S.

International Health Insurance plans are U.S. licensed and approved. Benefits are considered creditable coverage.

Access to quality international health insurance and care you can trust.

When outside the U.S., connect to our network of international medical providers through premier on-line tools: browse doctor and hospital profiles, schedule appointments, and in most cases, have HTH make direct payments to providers.

Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.