International health insurance typically covers inpatient and outpatient treatment, emergency evacuation, maternity, dental (optional), prescription drugs, and specialist consultations. Coverage varies by plan tier — basic plans cover hospitalization, while comprehensive plans include outpatient, wellness checks, and alternative therapies.

Travel insurance covers short-term trips and emergencies only, while international health insurance provides ongoing, comprehensive medical coverage regardless of where you are. It’s designed for people living or working abroad long-term, covering routine care, chronic conditions, and preventive services.

Yes, but plans including USA coverage are significantly more expensive (often 2-3x higher) due to high US medical costs. Many expats choose a “Worldwide excluding USA” option and add separate travel insurance for US visits.

Costs range from $100/month for basic coverage for a young adult in Southeast Asia to over $800/month for comprehensive worldwide coverage including the USA for older individuals. Factors include age, location, coverage area, deductible, and plan tier.

Most plans can be approved within 2-5 business days. Some providers offer instant coverage for standard applications. Pre-existing condition reviews may take 2-4 weeks. Emergency coverage typically starts from the policy effective date.