| Cover typeThe kind of cover: travel-medical, comprehensive health, or trip insurance. Prices are only comparable within the same type. | Comprehensive health | Travel-medical | Comprehensive health | Trip insurance | Comprehensive health | Comprehensive health |
| 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. | €189 / monthBased on a standard profile · €0 deductible | From $62.72 / 4 weeks (non-US, ages 18–39)source | €395.99 / monthBased on a standard profile | €590.35 whole-trip priceBased on a standard profile · €100 deductible | $166.75 / monthBased on a standard profile · $750 deductible | €161 / monthBased on a standard profile · €0 deductible |
| Good for | Long-term monthly health cover | Lower entry price, short-term cover | Card-based instant claims | Adventure trips and prepaid travel | International expat health | International expat health |
| Sold toCountry-of-residence eligibility. Always re-check with the carrier before buying. | Broad availability · verify at carrier | Broad availability · verify at carrier | Selected EU countries, UK, Norway, Switzerland | Selected countries: UK, Ireland, Germany, Denmark, Belgium, Netherlands | Broad availability · verify at carrier | Broad availability · verify at carrier |
| Main trade-off | No trip cancellation or baggage | Outpatient is emergency-only | 1-month cancellation notice | Selected residency only; 12-month cap | Built for expats; not for short trips | Built for expats; not for short trips |
| Claim settlementHow you get paid: the insurer reimburses you after you pay the bill, or pays the hospital directly. | Reimbursement | Reimbursement | Direct payout via card | Reimbursement | Direct billing in network; reimbursement otherwise | Direct billing in network; reimbursement otherwise |
| Renewal cycleHow often the policy auto-renews — weekly, monthly or yearly. | Monthly billing · 12-month minimum | 4-week auto-renew | Annual auto-renew | Single trip; up to 12 months | Annual | Annual |
| Sign up from abroad | Yes | Yes | Yes | Yes | Yes | Yes |
| Cancel anytime | No · 12-month minimum | Anytime | 1 month notice | Not monthly; verify refund terms | Annual term; verify mid-term cancellation | Annual term; verify mid-term cancellation |
| BackingThe insurer that stands behind the policy. Verify on the carrier's site. | Allianz Partners | Tokio Marine | DavidShield | Collinson (CIEL) | Cigna | Allianz Partners |
| Adventure sportsCover for higher-risk activities like surfing, scuba diving, motorbike riding or hiking above 4,500 m. | Included | Add-on only | Not standard | 150+ activities | Verify in plan wording | Verify in plan wording |
| Travel delays & luggageCompensation for missed flights and lost or delayed bags. | Not included | Included | Plan-dependent | Included on Explorer | Not included | Not included |
| Medical coverage limitThe most the insurer will pay out for medical care in a year. | Up to €1,000,000 / yr | $250k / period | Up to $1.5M / yr | Up to €10,000,000 | High annual limit · tier-dependent | High annual limit · tier-dependent |
| Deductible / excessThe portion of each claim you pay yourself before the insurer covers the rest. Lower = higher monthly cost. | €50 per claim | Zero deductible | €0 / €1k / €2.5k / €5k | Verify in policy wording | Configurable | Configurable |
| Outpatient & dentalDoctor visits, prescriptions, lab tests and dental work — without an overnight hospital stay. | Outpatient + dental to €1k | Emergency only | Plan-dependent | Emergency medical & dental | Available on higher tiers | Modular · verify in plan |
| Mental healthTherapy, counselling and psychiatric care. | Counselling up to €20k | Not included | Plan-dependent | Not confirmed in public summary | Available on higher tiers | Modular · verify in plan |
| Electronics / gadget coverInsurance for laptops, phones and cameras if they're stolen, lost or damaged. | Not included | Not included | Not included | Tech & gear included | Not included | Not included |