Best International Medical Insurance for Foreigners

A friend of mine just got to Canada few days ago. This is after he applied for his visa application two years ago.

As much as I’m happy for him, I’m also sad at how long it took him to finally get his partner visa application approved.

Both of us submitted our applications the exact same day, but because I followed instructions and did what was right, I got approved while he was getting rejected.

Do you know the cause of his rejections?

His health. He didn’t have any health insurance, talk more of signing up for the best international medical insurance programs.

Funny enough, this friend of mine wasn’t sick in any way, but because he didn’t sign up for an health insurance, he was getting rejected each time he submitted an application.

Why am I saying this?

Well, it’s to let you know that before you fill any form and submit any visa application, you should understand that you may need to sign up for any of the best international medical insurance that will be listed below.

I know that you’re eager to travel to places like Canada, United Kingdom or the United States, but one thing you should be aware of is that, if you’re not covered by an health insurance, it’ll be difficult to get your visa application approved.

Now, how do you get yourself covered by an health insurance? Let’s find out together!

What is Medical Insurance?

First and foremost, you should understand that medical insurance is a vital necessity to ensure access to quality healthcare services wherever you may find yourself in the world.

These healthcare costs can be exorbitant, especially when seeking treatment abroad. Without adequate insurance coverage, foreigners risk facing financial burdens that may outweigh their actual medical expenses.

International medical insurance not only covers emergency medical treatments but also provides benefits such as outpatient care, hospitalization, routine check-ups, and evacuation services for a seamless healthcare experience.

I know you may wondering, “aside from these, what else is the benefit of this medical insurance that if I don’t sign up for it, my visa won’t get approved.”

To get your answers, I would recommend you keep reading.

Benefits of Medical Insurance

  • Access to a network of healthcare providers worldwide.
  • Coverage for medical consultations, diagnostic tests, surgeries, and more.
  • Immediate support in case of accidents, illnesses, or medical emergencies.
  • Transportation to the nearest adequate medical facility when necessary.

With these benefits, you should be able to know why my friend got his visa application rejected for almost two years. Going forward, let’s take a look at the best international medical insurances you can sign up for as a foreigner.

The Best International Medical Insurance

When selecting the best international medical insurance, it is essential to consider the provider’s reputation, coverage options, pricing, and customer service.

Taking these into consideration, here are some of the top insurers renowned for their excellent global healthcare coverage:

1. Cigna Global

Cigna Global offers customizable health insurance plans designed for expatriates, ensuring access to quality healthcare services wherever you are in the world. With a vast network of healthcare providers and comprehensive coverage options, Cigna Global is a trusted choice for international medical insurance.

2. AXA Global Healthcare

AXA Global Healthcare provides expatriates with tailored health insurance plans that cater to their specific needs. With extensive coverage and excellent customer service, AXA Global Healthcare ensures that you receive the care you deserve, no matter where you are located.

3. Allianz Care

Allianz Care offers a range of international health insurance plans for expatriates, providing coverage for medical treatments, hospitalization, outpatient care, and more. With a focus on customer satisfaction and global healthcare solutions, Allianz Care is a reliable choice for international medical insurance.

Selecting the Right Plan…

Now, we’ve been able to see the best medical insurance you can sign up for. But which one should we consider the right plan?

In my opinion, choosing the best medical insurance plan requires careful consideration of your individual healthcare needs, budget constraints, and travel requirements.

Before you make a decision on which plan to select, here are some key factors to consider:

  • Ensure the plan covers essential medical services and emergency treatments.
  • Check if the insurer has a wide network of healthcare providers globally.
  • Evaluate the premium costs and benefits offered by different insurers.
  • Understand any limitations or exclusions in the policy to avoid surprises.

How to Use Your Medical Insurance Effectively

Once you have selected the best medical insurance to use, it is essential to maximize your coverage benefits and make the most of your policy. Here are some tips to help you use your medical insurance effectively:

  • Understand the terms and coverage details of your insurance plan.
  • Have your insurance card, policy number, and emergency contact information readily available.
  • Schedule routine check-ups and screenings to maintain your health and well-being.
  • Be aware of the procedures to follow in case of a medical emergency while abroad.


Medical insurance is a crucial investment that provides you with peace of mind and security, ensuring that you receive the necessary healthcare services no matter where you are in the world.

Don’t forget to explore different options, compare coverage details, and select a reputable insurer to enjoy comprehensive healthcare coverage. Stay healthy and stay protected!


What is the Best Overseas Health Insurance?

Choosing the best overseas health insurance really comes down to finding a plan that fits your global lifestyle. Look for comprehensive coverage that includes hospital stays, outpatient services, and possibly even medical evacuation.

Companies like Cigna Global and Allianz Worldwide are often favorites among foreigners for their flexibility and wide-ranging coverage.

Always consider the geographical scope, and make sure the plan is recognized in the countries you’ll be staying in. A reliable insurer with a solid reputation for claims processing is essential for peace of mind while abroad.

Which Insurance is Best for International Travel?

First off, it’s crucial to understand that there’s no one-size-fits-all answer. As I’ve always written, the best insurance for you depends on a variety of factors, including the duration of your trip, your destination, and the activities you plan to engage in.

For example, if you’re heading to a remote island for some extreme water sports, your insurance needs will differ significantly from someone taking a city break in Toronto.

One of the top contenders for international travel is comprehensive travel medical insurance. This type of insurance goes beyond the basic coverage, offering a more extensive range of medical services, including emergency evacuations, hospital stays, and sometimes even pre-existing condition waivers.

It’s ideal for peace of mind, especially in countries where healthcare costs can skyrocket.

For those who frequently cross borders, whether for work or pleasure, a multi-trip annual policy might be the way to go. This option covers you for numerous trips within a 12-month period, saving you the hassle of purchasing a new policy for each journey.

And let’s not forget about specialty plans tailored to specific needs, such as adventure sports coverage or plans for expatriates living abroad. These can be life-savers (literally) for those living an unconventional lifestyle or indulging in high-risk activities.

Can I Pay for Travel Insurance Monthly?

Absolutely! You can pay for travel insurance on a monthly basis! Many insurers offer flexible payment options to make it easier on your wallet. This can be really handy if you’re planning a longer trip or if you’re a frequent traveler and need ongoing coverage.

Just check with your provider to see what plans are available and how you can set up monthly payments. It’s a great way to spread out the cost without sacrificing the safety and peace of mind that travel insurance offers.