| 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 pricing | $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 pricing | €590.35whole-trip priceBased on a standard profile · €100 deductible | Personalised pricing |
| 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 | Travellers up to age 89 | 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 | Medical maximum capped at USD 100,000 from age 65 and USD 10,000 from 80 |
| 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 · cancel after month one | 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 | After the first 3 months · 14 days' notice | Monthly, after the first month | 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 or hiking above 4,500 m. Scooters and motorbikes have their own row. | 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. | Up to €1,000,000 (Care Base) | $500,000 to unlimited, depending on level and treatment country | Up to $1,000,000 / yr (Silver) | Up to €1,000,000 / yr | Up to €3.5M / yr | $250k per insurance 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 |
| Scooter / motorbikeWhether medical cover applies when you ride a scooter or motorbike, and on what conditions, from each carrier's own documents. Not confirmed means we could not confirm it in the documents we checked. | Not confirmed · ask carrierConditionsWe could not confirm medical cover for scooter or motorbike riding in Allianz Care's published documents. Ask Allianz Care before you ride. Source (checked 2026-09-25) | Not excluded · helmet requiredConditionsRoad accidents on a two-wheeler are excluded if you were not wearing a helmet. Breaking local law (such as riding without a licence) and motor sports are excluded. Source (checked 2026-09-23) | Not excluded · must be legalConditionsNot listed as an exclusion. Excluded: injuries from motorsports or another hazardous sporting activity, and from any illegal act; riding without a valid licence may count as one. Source (checked 2026-10-16) | Covered · helmet as driverConditionsCovered if the driver wears a helmet (recommended for passengers). Driving anything bigger than a light motorcycle (up to 125cc / 11 kW, top speed 110 km/h) needs a valid licence where one is legally required. Source (checked 2026-09-25) | Not confirmed · ask carrierConditionsWe could not confirm medical cover for scooter or motorbike riding in PassportCard's published documents. Ask PassportCard before you ride. Source (checked 2026-09-25) | Add-on needed over 50ccConditionsScooters and motorbikes up to 50cc only. Most rental scooters (110–125cc) need the paid Adventure Sports add-on. You must be licensed for the area and wear a helmet; drunk riding and racing are excluded. Source (checked 2026-09-23) | Not confirmed · ask carrierConditionsWe could not confirm medical cover for scooter or motorbike riding in Trawick International's published documents. Ask Trawick International before you ride. Source (checked 2026-09-25) | Add when buying · not main transportConditionsOnly if you add "motor biking" when you buy (extra premium may apply; no changes after purchase). Not covered for motorbike touring or when a motorbike is your main way of getting around, even for an extra premium. You need a valid motorbike licence at home and locally for the engine size, and must wear a helmet. Irish policy wording; rules can differ by country of residence. Source (checked 2026-09-25) | Not excluded · helmet requiredConditionsRoad scooters are not excluded by name, but protective headwear must be worn. Dirt bikes, quad bikes, ATVs, racing and drunk riding are excluded. Source (checked 2026-09-23) |
| Medical evacuationEmergency transport to a suitable hospital, and in some plans transport home. Open Conditions for each plan's exact rule. | Listed as includedConditionsListed as included in Allianz Care expat cover — confirm limits in the table of benefits Source (checked 2026-09-23) | IncludedConditionsIncluded (100%) when local care is inadequate Source (checked 2026-09-23) | Optional moduleConditionsOptional extra module — not in Silver core cover Source (checked 2026-09-03) | Included · nearest hospitalConditionsIncluded: emergency transport to the nearest suitable hospital, plus repatriation for care when care where you are is unavailable, costlier or too isolating Source (checked 2026-09-25) | IncludedConditionsMedical evacuation and repatriation are listed as included in the Expat Comprehensive benefits table. Source (checked 2026-09-27) | Included · up to $100kConditionsIncluded, up to USD 100,000 lifetime (USD 25,000 for a pre-existing condition flare-up) Source (checked 2026-09-27) | IncludedConditionsIncluded (emergency medical evacuation and repatriation) Source (checked 2026-09-23) | IncludedConditionsIncluded, within the EUR 10,000,000 emergency medical and repatriation limit Source (checked 2026-09-03) | Included · up to $1mConditionsIncluded, up to USD 1,000,000 lifetime Source (checked 2026-10-01) |
| Pre-existing conditionsHealth problems you already had before cover starts. Some plans never cover them, some cover only a sudden flare-up, and some decide when you apply. Open Conditions for each plan's exact rule. | Depends on underwritingConditionsWith full medical underwriting (you answer health questions), pre-existing conditions are generally covered unless your policy documents exclude them. With moratorium underwriting (no health questions), a condition may become eligible only after 24 continuous months following your start date with no symptoms, treatment, medication, special diet or advice for it. Source (checked 2026-09-27) | Assessed when you applyConditionsNot covered unless you declared it on the health questionnaire and APRIL accepted it. APRIL may accept you on specific terms or decline. Source (checked 2026-09-27) | Assessed when you applyConditionsYou give your full medical history when you apply. Cigna may agree to cover some pre-existing conditions, sometimes for an extra premium; otherwise they are not covered. Source (checked 2026-09-27) | Assessed when you applyConditionsYou answer health questions when you apply. A condition that started before cover is covered only if you answered fully and truthfully and it was not restricted or excluded when you signed up. The insurer can also charge more or decline. Source (checked 2026-09-27) | Assessed when you applyConditionsPassportCard assesses pre-existing conditions individually when you apply. It says cover is often possible, sometimes with a surcharge or an exclusion. Source (checked 2026-09-27) | Sudden flare-ups onlyConditionsNot covered, except emergency treatment of a sudden flare-up: from day 29 of cover, treated within 24 hours, and not a chronic, congenital or worsening condition. Pre-existing means advice, treatment, a medication change or symptoms in the 180 days before cover starts. Source (checked 2026-09-27) | Sudden flare-up · up to $2,500ConditionsNot covered, except one unexpected flare-up per policy period, up to USD 2,500 through age 69 (evacuation for it up to USD 25,000). Chronic, congenital or gradually worsening conditions do not count as a flare-up. The condition must have been stable for 30 days before cover starts, the flare-up must happen at least 48 hours after cover starts, and treatment must start within 24 hours. Pre-existing means anything that existed in the 3 years before cover starts. Source (checked 2026-10-01) | Not coveredConditionsNot covered. A condition counts as pre-existing if it needed advice, treatment, medication, tests or check-ups in the 180 days before you buy or extend the policy or book the trip, or if you had symptoms when you bought it. Source (checked 2026-09-27) | Sudden flare-ups onlyConditionsNot covered, except treatment of a sudden flare-up if you are under 80 (evacuation for it up to USD 25,000 lifetime). Treatment must start within 24 hours, and chronic or congenital conditions are excluded. Pre-existing means anything that existed in the 2 years before cover starts. Source (checked 2026-09-27) |
| Waiting periodTime after cover starts before some or all benefits apply. Open Conditions for each plan's exact rule. | Some benefits · ask carrierConditionsAllianz Care's benefit guide says your Table of Benefits shows which benefits have waiting periods. Ask for the Care Base table before buying. Source (checked 2026-10-16) | 3–24 months for some careConditionsWaiting periods: routine dental 3 months; major dental and optical 6 months; maternity, genetic testing and preventive cancer surgery 12 months; assisted reproduction 24 months. Some can be waived if you had equivalent cover just before. Source (checked 2026-10-16) | 3–18 months for some careConditionsWaiting periods for some benefits: 12 months for cancer preventive surgery and genetic testing; with the optional dental cover, 3 months for routine, 12 months for major and 18 months for orthodontic treatment. Source (checked 2026-10-16) | 3–12 months for some careConditionsFor Native Basic: all care in the USA has a 3-month waiting period with no exceptions; in-patient psychiatric care 6 months (none in a life-threatening emergency); medically needed termination 12 months (none in a life-threatening emergency). Other covered care has no waiting period. Source (checked 2026-10-16) | 4–12 months for some careConditionsWaiting periods for some benefits: maternity and psychiatric treatment 12 months; alternative therapies 4 months. Source (checked 2026-10-16) | No waiting period listedConditionsThe Description of Coverage lists no waiting period. If you claim for something in the first 72 hours after buying, SafetyWing may ask for proof of when it started. Source (checked 2026-10-16) | Not confirmed · ask carrierConditionsNo general waiting period appears in the plan brochure we checked; ask Trawick before buying. A sudden recurrence of a pre-existing condition is only covered if it starts at least 48 hours after cover begins. Source (checked 2026-10-16) | 72 h if bought while travellingConditionsIf you buy while already travelling, new events are covered only after 72 hours. Emergency medical and medical transport costs apply at once after an accident confirmed by an independent third party. Source (checked 2026-10-16) | No waiting period listedConditionsThe Description of Coverage lists no waiting period. Source (checked 2026-10-16) |
| Before a hospital stayWhether you must contact the insurer before hospital treatment, by when, and what happens if you do not. Open Conditions for each plan's exact rule. | Approval 5 working days aheadConditionsTreatments marked in your Table of Benefits, mostly in-patient care, need a pre-authorisation form at least five working days before. In an emergency hospital stay, call within 48 hours. Without pre-authorisation Allianz pays 80% of in-patient and 50% of other benefits, or may decline the claim. Source (checked 2026-10-16) | Approval 5 days ahead · or 50% lessConditionsEvery hospital stay needs pre-approval: a form from your doctor at least 5 days before admission, or as soon as possible in an emergency. Without it APRIL pays 50% less, except after an accident or in a medical emergency. Source (checked 2026-10-16) | Planned: approval or 20% lessConditionsPlanned in-patient and day-patient treatment needs Cigna's prior authorisation; without it Cigna pays 20% less. In an emergency no prior authorisation is needed, but you or someone for you must contact Cigna within 48 hours, or as soon as reasonably possible. Source (checked 2026-10-16) | Confirm before admissionConditionsThe hospital, or you, must get confirmation from Genki's Emergency Assistance before admission, or as early as possible in a life-threatening emergency. Otherwise payment can be reduced or refused. Source (checked 2026-10-16) | Not confirmed · ask carrierConditionsPassportCard says pre-approval may be required in some cases, without saying when. Ask before planned treatment. Source (checked 2026-10-16) | Tell them before dischargeConditionsIf you are admitted to hospital, notify SafetyWing as soon as possible and at the latest before you are discharged. For direct payment to the hospital, notify them in advance. Source (checked 2026-10-16) | Pre-certify · or 50% lessConditionsHospital stays and surgery must be pre-certified before admission, or within 48 hours after an emergency admission (or as soon as reasonably possible). If not, eligible costs are cut by 50%, and ambulance transfers between hospitals are not covered. Source (checked 2026-10-16) | Call assistance ASAPConditionsFor a hospital stay, World Nomads asks you to contact its 24/7 Emergency Assistance team as soon as possible. Whether a late call reduces payment is not stated there; check your policy wording. Source (checked 2026-10-16) | Evacuation needs approvalConditionsThe Description of Coverage lists no advance-approval rule for hospital stays. Emergency evacuation must be approved in advance and arranged by WorldTrips. Source (checked 2026-10-16) |
| Age limitThe oldest age at which you can buy the plan. Open Conditions for each plan's exact rule. | Join up to 75ConditionsApplicants over 75 are not accepted for an individual policy; children under 16 join only as dependants. Source (checked 2026-09-02) | Join up to 74 (60 in some countries)ConditionsJoining ages 10 to 74; 16 to 60 if you live in Brazil, Chile, China, Costa Rica, Hong Kong, Japan, Mexico, Singapore, Taiwan, Thailand, the UAE, the UK or the US. Source (checked 2026-09-02) | No upper age limitConditionsAvailable from age 18; Cigna states there is no upper age limit. Source (checked 2026-09-02) | Join up to 55ConditionsYou can join up to age 55; once insured there is no maximum age. Source (checked 2026-09-02) | Join up to 64ConditionsNew cover is available only up to age 64. Source (checked 2026-10-16) | Join up to 69ConditionsAvailable from 14 days old up to age 69. Source (checked 2026-09-02) | Join up to 89ConditionsEntry ages 14 days to 89 years; travellers aged 80 and over apply separately. Source (checked 2026-09-02) | Join up to 64ConditionsThe buyer must be 64 or younger; rules can differ by country of residence. Source (checked 2026-09-02) | No upper age limitConditionsAvailable from 14 days old, including aged 80 and over; from 80 the medical maximum is USD 10,000. Source (checked 2026-09-02) |
| 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 |
Allianz Care