Travel & expat medical insurance
Medical coverage abroad that pays your doctor directly.
Whether you are taking one trip, traveling all year, studying overseas, or living abroad, get a plan that settles the bill at the hospital instead of making you pay first and chase a refund.
- Plans available in all 50 states
- BCBS Global Solutions plans
- Direct pay in 190 countries
Find the right coverage
Two paths, depending on how long you will be away. Start where you fit.
Travel Medical Insurance
For US residents heading abroad for a trip, a semester, or a year. Fast to buy, priced for the length of your travel.
See plans →Long-termExpat & Nomad Health Insurance
For people living outside the US for six months or more. Ongoing health coverage you can renew while you are away.
See plans →The difference that matters
Your doctor gets paid directly. You do not front the bill.
BCBS Global Solutions has a direct-pay provider network in 190 countries. At an in-network hospital or clinic, the plan settles the bill directly. You are not handing over a credit card for a large medical charge and waiting months for a refund.
That is the gap most travel insurance leaves open. Plans like World Nomads, SafetyWing, and Allianz usually work on reimbursement. You pay upfront, file a claim, and hope it comes back. For a real emergency abroad, that difference is the whole point.
BCBS Global, in network
$0 out of pocket
Plan pays the provider directly at the point of care.
Typical reimbursement plan
Pay first, claim later
You cover the bill, then wait weeks or months for a refund.
The whole world is on your list. Cross places off it without worrying about the what-ifs.
Get your quoteNot sure which plan fits?
Book a free 15-minute Insurance Sanity Check. It is a second opinion on the coverage you have or the trip you are planning, not a sales pitch. Most people do not realize what their credit card or current policy leaves out.
Free guide
Which BCBS Global plan fits you?
Get the plain-English plan picker. It walks you through Single-Trip, Multi-Trip, Long-Term, and student coverage in two minutes, so you buy the right plan the first time.
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