| Cover typeThe kind of cover: travel-medical, comprehensive health, or trip insurance. Prices are only comparable within the same type. | Comprehensive health | Comprehensive health | Comprehensive health | Comprehensive health | Comprehensive health | Travel-medical | Travel-medical | Trip insurance | Travel-medical |
| Price / statusA verified price, a standard-profile reference price, or a personalised-pricing status when no single figure applies. The carrier confirms your final price. | €161/ monthBased on a standard profile · €0 deductible | Personalised price | $166.75/ monthBased on a standard profile · $750 deductible | €189/ monthBased on a standard profile · €0 deductible | €395.99/ monthBased on a standard profile | From $62.72/ 4 weeksnon-US, ages 18–39 · source | Personalised price | €590.35whole-trip priceBased on a standard profile · €100 deductible | Personalised price |
| Good for | International expat health | International expat health | International expat health | Long-term monthly health cover | Card-based payment of eligible costs | Lower entry price, short-term cover | Widest age range | Adventure trips and prepaid travel | Flexible limits and deductibles |
| Sold toCountry-of-residence eligibility. Always re-check with the carrier before buying. | Broad availability · verify at carrier | Broad availability — must reside outside your nationality; verify with the carrier | Broad availability · verify at carrier | Broad availability · verify at carrier | Sold to residents of selected markets — verify with PassportCard | Broad availability · verify at carrier | Broad availability outside the US — verify your country with the carrier | Only UK, IE, DE, DK, BE, NL | Broad availability — verify your country with the carrier |
| Main trade-off | Built for expats; not for short trips | Maximum joining age is 60 or 74 depending on country of residence | Built for expats; not for short trips | No trip cancellation or baggage | 1-month cancellation notice | Outpatient limited to the plan schedule | Does not cover the USA as a destination | Selected residency only; 12-month cap | Skipping pre-certification cuts reimbursement by 50% |
| Claim settlementHow you get paid: the insurer reimburses you after you pay the bill, or pays the hospital directly. | Direct billing in network; reimbursement otherwise | Hospital direct settlement may apply with pre-approval; reimbursement otherwise | Direct billing in network; reimbursement otherwise | Reimbursement | Card pays eligible medical costs | Reimbursement | Pay first, claim back | Reimbursement | Pay first, claim back |
| Renewal cycleHow often the policy auto-renews — weekly, monthly or yearly. | Annual | Annual, renews for life once active | Annual | Monthly billing · 12-month minimum | Annual auto-renew | 4-week auto-renew | Fixed term, extendable to 364 days | Single trip; up to 12 months | Fixed term, extendable to 364 days |
| Sign up from abroad | Yes | Yes, if eligible as an expatriate resident | Yes | Yes | Yes | Yes | Yes, if under 365 days outside home country | Yes | Yes |
| Cancel anytime | Annual term; verify mid-term cancellation | Plan-dependent | Annual term; verify mid-term cancellation | No · 12-month minimum | 1 month notice | Anytime | Plan-dependent | Not monthly; verify refund terms | Plan-dependent |
| BackingThe insurer that stands behind the policy. Verify on the carrier's site. | Allianz Partners | Groupama Gan Vie (medical); Chubb European Group (assistance/liability) | Cigna | Squarelife (Liechtenstein) | DavidShield; insurer varies by market | SafetyWing Insurance I.I. | Zurich Insurance Europe AG, Belgian branch | Collinson (CIEL) | Tokio Marine HCC |
| Adventure sportsCover for higher-risk activities like surfing, scuba diving, motorbike riding or hiking above 4,500 m. | Verify in plan wording | Plan-dependent | Verify in plan wording | Included | Not standard | Leisure sports included · extra adventure cover available | Optional sports cover, with exclusions | 150+ activities | Named extreme sports excluded |
| Travel delays & luggageCompensation for missed flights and lost or delayed bags. | Not included | Not included | Not included | Not included | Not included | Included | Plan-dependent | Included on Explorer | Plan-dependent |
| Medical coverage limitThe most the insurer will pay out for medical care in a year. | High annual limit · tier-dependent | $500,000 to unlimited, depending on level and treatment country | High annual limit · tier-dependent | Up to €1,000,000 / yr | Up to €3.5M / yr | $250k / period | Choices up to $1,000,000; age limits apply | Up to €10,000,000 | Up to $2M under 65; lower above 65 |
| Deductible / excessThe portion of each claim you pay yourself before the insurer covers the rest. Lower = higher monthly cost. | Configurable | Deductible or copayment depends on the selected cover | Configurable | Choose €0, €500 or €1,000 a year | €0 / €1k / €2.5k / €5k | Zero deductible | Multiple deductible options | Verify in policy wording | $0 / $100 / $250 / $500 / $1k / $2.5k / $5k |
| Outpatient & dentalDoctor visits, prescriptions, lab tests and dental work — without an overnight hospital stay. | Modular · verify in plan | Available as paid add-ons | Available on higher tiers | Outpatient included · no dental | Plan-dependent | Outpatient per schedule · no routine dental | Plan-dependent | Emergency medical & dental | Plan-dependent |
| Mental healthTherapy, counselling and psychiatric care. | Modular · verify in plan | Plan-dependent | Available on higher tiers | Inpatient psychiatric care, subject to terms | Plan-dependent | Not included | Plan-dependent | Not confirmed in public summary | Plan-dependent |
| Electronics / gadget coverInsurance for laptops, phones and cameras if they're stolen, lost or damaged. | Not included | Not included | Not included | Not included | Not included | Not included | Not included | Tech & gear included | Not included |
