"Switched our entire family policy in under an hour. The wallet alone is worth it — direct billing in Bangkok worked first try."
Alice Moreau
ExpatMedicare Member
Smart health coverage for expats
Quality health
coverage for
expats,
worldwide.
Trusted international health insurance so you can live, work and thrive anywhere.
Excellent
4.8 out of 5Trustpilot
Mira
Your health plan advisor
Hi! I'm Mira, your health plan advisor 👋
Trusted partners · International insurers
ExpatMedicare is by your side
One cover for every life abroad
Get matched with the right international health plan through expert human advisers supported by smart market comparison tools.
Find the perfect plan for you with human guidance and smart comparison tools. Receive 100% relevant recommendations tailored to your life abroad.
Reach more clients and more mandates to grow your business. No upfront fees, no effort on your part — we handle the heavy lifting.
Comprehensive health coverage tailored for seniors and retirees living abroad. Get peace of mind with plans designed for your lifestyle.
Why an advisor
Why Use an Insurance Advisor?
International health insurance is complex, fragmented and constantly evolving. A great advisor pays for themselves many times over — in time saved, mistakes avoided and claims resolved.
Passion & Personal Care
Constant Protection & Guidance
30 Years of Experience
Passion & Personal Care. First and foremost, because we genuinely love what we do and we love taking care of you. The advanced technology we have built is simply designed to make your enquiry more efficient when it is brought to our team. Tech speeds things up, but human care drives us.
Constant Protection & Guidance. Once you discover exactly what you want — either on your own or with our smart comparison tools — our human advisory team will stand firmly by your side. We are here to guide you through the fine print and actively protect your interests at all times.
30 Years of Experience. With 30 years of experience, he will help you at no cost. Get unbiased expert advice that shows you the entire market and audits the risk in your current policy. Remember: he works for you, while the insurance company works for themselves.
Senior advisor
A human, not a chatbot.
Multilingual · 24/7 · Lifetime claims advocate
Smart Wallet
Fortress Wallet: Your Insurance Wallet.
Fortress Wallet is the secure digital insurance account for Expat Medicare clients. It stores your policies, insurance cards, claims documents and renewal information, and helps you understand your cover.
👥 For Individuals & Corporate Employees
Available for both individual expat policyholders/families and corporate group plan employees.
🔒 Exclusively for Expat Medicare Clients
Complimentary digital insurance portal included automatically with your Expat Medicare policy.
🤖 What the AI Assistant Answers
Instant answers on your policy benefits, coverage limits, exclusions, pre-authorization rules, claim steps, and direct-billing hospital networks.
📂💬🧭🔄
Store every document
Policies, member cards, renewals and claims — all encrypted, all in one tap.
Understand your cover
Ask plain-English questions. Get plain-English answers on what's covered, excluded, or needs pre-approval.
Know where to go
Find direct-billing hospitals, claims steps and emergency contacts — wherever you land.
Renew in one tap
Your broker reshops the market 60 days before renewal. You approve. Done.
When life doesn't wait
Coverage that shows up when it matters.
Emergencies don't check timezones. Neither do we. Every plan we broker is battle-tested for the moments you'll never plan for.
Emergency & inpatient
Rushed to hospital in Ho Chi Minh
Direct-billing at 4,000+ hospitals worldwide. No credit card, no upfront paperwork.
Learn more
Maternity & family
A baby in Singapore
Full pre- and post-natal care, newborn cover from day one, private room upgrades.
Learn more
Evacuation & repatriation
Airlifted from a Nepal trek
24/7 medical evacuation, translated medical records, family flown to your side.
Learn more
Loved by globe-trotters
Real expats. Real coverage.
★★★★★4.9 / 5 · 1,240+ reviews
"I battled with renewals and exclusions for years. With ExpatMedicare, I finally have cover that travels with me — and a broker who actually picks up."
Donnie Whitfield
ExpatMedicare Member
"Claim approved in 36 hours. After two carriers ghosting me previously, this was the first time international cover actually felt like cover."
Priya Shah
Maternity Cover
"Moved from Berlin to Singapore and didn't miss a single appointment. The wallet kept every document a tap away."
Lukas Berger
ExpatMedicare Member
"Compared 14 carriers for our 40-person remote team in 20 minutes. Cleanest broker experience we've used."
Marcus Chen
Ops Director · Dubai
"The AI parsing pulled exclusions I'd missed for years. Saved us €2,400 on the renewal — and the dashboard made it obvious why."
Sofia Rinaldi
ExpatMedicare Member
"Switched our entire family policy in under an hour. The wallet alone is worth it — direct billing in Bangkok worked first try."
Alice Moreau
ExpatMedicare Member
"I battled with renewals and exclusions for years. With ExpatMedicare, I finally have cover that travels with me — and a broker who actually picks up."
Donnie Whitfield
ExpatMedicare Member
"Claim approved in 36 hours. After two carriers ghosting me previously, this was the first time international cover actually felt like cover."
Priya Shah
Maternity Cover
"Moved from Berlin to Singapore and didn't miss a single appointment. The wallet kept every document a tap away."
Lukas Berger
ExpatMedicare Member
"Compared 14 carriers for our 40-person remote team in 20 minutes. Cleanest broker experience we've used."
Marcus Chen
Ops Director · Dubai
"The AI parsing pulled exclusions I'd missed for years. Saved us €2,400 on the renewal — and the dashboard made it obvious why."
Sofia Rinaldi
ExpatMedicare Member
Global footprint
International advice, local understanding.
Six hubs across Europe, the Middle East and Asia — so your broker speaks your language and knows your market.
Real members · real life abroad
Live boldly. We've got the coverage.
From maternity in Singapore to a broken ankle in Chamonix — thousands of expats trust us with the moments that matter.
Verified member
"The claim for my daughter's surgery in Bangkok was approved in 36 hours. No stress, no paperwork mountain — just care."
Alice Moreau
French expat · Bangkok
Frequently asked
Answers before you ask.
The most common questions from expats moving, working, or raising a family abroad.
International health insurance is a private plan that covers you across countries — not just where you live. If you're moving abroad, working remotely, or splitting time between countries, local public schemes rarely cover you fully (and travel insurance runs out fast). International cover follows you door-to-door, with direct billing at global hospital networks.
Still have a question?Talk to a real broker →
Trust & Education
Transparent Guidance, Zero Friction.
Everything you need to know about how we advise, compare top carriers, advocate for claims, and handle your policy setup.
01Step 1
Needs Scoping & Analysis
Our licensed human advisers, supported by smart digital tools, analyze your residency, budget, pre-existing conditions, and coverage requirements.
02Step 2
Anonymized Carrier Auction
We auction your profile across global underwriters (Cigna, Bupa, Allianz, AXA) for competitive rates.
03Step 3
Advisor Consultation
A dedicated broker reviews outpatient, deductible, maternity, and direct-billing networks before your final pick.
04Step 4
Instant Binding & Support
Instant policy issuance, digital membership card, and visa compliance letter dispatched directly.
Personal Advisor Concierge
Dedicated human brokers navigate pre-existing condition declarations, FMU vs Moratorium underwriting, and family options.
24/7 Claims & GOP Support
Direct Guarantee of Payment (GOP) issued to 4,000+ global hospitals so you pay $0 upfront in medical emergencies.
Annual Rate & Renewal Audits
We benchmark the market 60 days before every renewal to negotiate price caps and prevent unexpected rate spikes.
Free · 60 seconds · No commitment
Ready to compare in seconds?
Upload your existing policy or start fresh. Our smart tools help parse policy details while licensed human advisers guide you to the best-fit plans from international insurers.