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Long Term International Insurance Plans

Worldwide coverage including/excluding USA & Canada

Long Term Comprehensive plans for Individuals & Families :

Being a global citizen can be an exciting experience, but it also comes with potential complications. Your health care while traveling should not be one of those concerns. With popular plans like Global medical insurance (GMI) and Meridian Basic & Enhanced plans, a revolutionary program from Community Insurance agency, Inc (CIA) you will receive the worldwide medical coverage you need, backed by the world-class services you expect.

With CIA, you will rest assured knowing that we have a dedicated department working to keep your insurance as affordable as possible. The costs of health care are rising, but we are committed to controlling those costs. As part of that commitment, IMG offers a Medical Concierge program, an unparalleled service that saves you on out-of-pocket medical expenses. IMG plans also offer a cash incentive and to waive 50% of your deductible for choosing to receive treatment from some of the best medical facilities outside the U.S. You need the proper worldwide coverage, provided by a company that’s there for you when you need us most.

Who the plans is designed for?

  • Coverage for individuals or families living or working abroad
  • Contract employees living and working abroad
  • Seniors with dual residencies six months or longer outside the U.S
3 Easy Steps to Get Travel / Visitors Insurance Quotes – Get quotes / Compare Plans
Insurance Carriers
Plans & Benefits Available
Administrator : Azimuth Risk Solutions
Carrier/Underwriter : Lloyd's of London
AM Best Rating : A+ (Superior)
BBB Rating : Accredited, A+
PPO Network: United Health Care
  • Meridian Essential and Enhanced
    US-Style Long Term medical insurance plan
    • Meridian Essential - $5 Million Maximum Limit
    • Meridian Enhanced - $5 Million Maximum Limit
    • Deductible options available from $250 to $10,000
  • Meridian Clear Plan
    Long Term plan - Quick issue & Flexible underwriting
    • Meridian Clear - $2 Million Maximum Limit
    • Deductible options available from $500 to $10,000
    • Plan pays 100% of eligible medical expenses In PPO
Administrator : International Medical Group
Carrier/Underwriter : Sirius International
AM Best Rating : A Excellent
BBB Rating : Accredited, A+
PPO Network: United Health Care
  • Global Medical Insurance® (GMI)
    • Plan Options: Bronze, Silver, Gold & Platinum
    • Policy Maximums: $1 Million, $5 Million, $8 Million
    • Deductible Options are available from $250 to $10,000
    • 50% of deductible waived if treatment inside the US using Medical Concierge
    • Plan pays 100% of eligible medical expenses In PPO
    • Platinum plan covers Maternity after 10 months of waiting period
    • Optionary Riders including (Dental & Vision, Global Term Life, Accidential Death and Dismemberment, Terrorism, and Sports)
Administrator : BCBS (USA) & GeoBlue (outside USA)
Carrier/Underwriter : 4 Ever Life International Limited
AM Best Rating : A- (Excellent)
BBB Rating : Accredited, A+
USA PPO Network: Blue Card Network GeoBlue Xplorer
  • GeoBlue Xplorer® - Essential and Premier
    • International health insurance
    • Coverage of COVID-19 testing and treatment, at no additional cost
    • Unlimited lifetime max on medical
    • 100% coverage abroad
    • Xplorer Premier plan includes U.S. coverage, Xplorer Essential does not include U.S. coverage , Xplorer Essential plan may include optional basic U.S. benefits upgrade that covers accidents and illnesses inside the U.S. for up to 3 visits per year, up to 21 days per visit
    • Unlimited annual and lifetime medical maximum.
    • Deductible waived for office visits with doctors
    • No waiting period or sublimit for preventive services.
    • Meets all Schengen Visa requirements.
    • Pre-existing conditions covered with creditable coverage.
Administrator : Global Underwriters
Carrier/Underwriter : C&F Cayman SPC for and on behalf of ITI SP
AM Best Rating : A (Excellent)
BBB Rating : Accredited, A+
  • Diplomat Long-term
    Comprehensive Coverage traveling outside of your home country
    • Coverage period from 3 months - 365 days & re-apply up to 3 years
    • COVID-19 Coverage Included
    • Policy Maximum: $500,000 - $1,000,000
    • Deductible Choices: $0- $5,000 per person/plan period
    • Co-Insurance: After you pay the selected deductible
      • Traveling to the US: The plan pays 80% up to $5,000 of eligible costs, then 100% to the Medical Maximum
      • Traveling Outside the USA: The plan will pay 100% of Covered Expenses outside the USA up to the selected plan maximum.
    • Pre-Existing Condition Exclusion: 18 Months prior to the start date of coverage
Administrator : Cigna
Carrier/Underwriter : Cigna
AM Best Rating : A
States the plan is available
Country Restrictions
PPO Network: Cigna Health Care Provider Directory
Administrator : Peterson International
Carrier/Underwriter : Lloyd's of London
AM Best Rating : A+ (Superior)
BBB Rating : A+
PPO Network: LogoPetersen
  • The Bridge Plan
    Age 60 to 95 maximum
    • New U.S. Residents awaiting Medicare Eligibility
    • U.S. Residents awaiting Medicare Eligibility
    • U.S. Residents without Medicare Part A or Part B
    • Foreign Nationals Visiting in USA
    • Green card Holder Living in USA
    • US citizens - single policy period 11 months
    • Part A Or B Benefits option
    • Ages between 60 to 95 maximum
    • Coinsurance – Once the deductible has been fulfilled, the policy will cover 100% up to the policy maximum
    • Deductible options available from $1000 to $10,000
    • Maximum limits available from $25,000 to $250,000
    • Plan not available in states of CA, CO, CT, DE, IA, KY, ME, MD, MS, MO, MT, NB, NJ, NY, NC, RI, SC, SD & TN