International Life and Health Insurance

If you plan to move abroad or live as an ex-pat, you probably know about International Life and Health Insurance.

The typical international life insurance covers: deaths caused by injuries, illnesses, or accidents but doesn’t cover deaths caused by pre-existing conditions. The beneficiary receives a lump sum payment in the event of death.

Whether you are:

  • looking for supplemental international health insurance while abroad,
  • a senior citizen traveling abroad looking for health insurance, 
  • or an Executive looking for international health insurance for your employees working abroad or in the United States,

Cal Insurance is the place to find all of these services. Plus, we can also help you with your life insurance and long-term planning needs.


Whether you are a small 2-person start-up or a large corporation or institution looking for a review of your current policies, we can work with your HR team or decision-maker to ensure you have the best group plans out there.

We work with some of the most prestigious companies, such as Aetna, Cigna, Geoblue, and IMG. We can tailor specific plans for your executives, whether based overseas or in the United States. Please email or call us with your particular needs.

As a result of the global lifestyle, the demand for comprehensive international health insurance has increased. We offer guidance and advice on all available plans to assist expatriates and their families.

Traditional Travel Insurance vs. Comprehensive Travel Health Insurance

Comprehensive travel health insurance is available for short trips (1 day to 6 months) or as primary insurance for expatriates or people moving to another country for an extended period (6 months or more).

Depending on the length of the trip and the plan selected by the consumer, policies may pay for doctor and hospital bills and sometimes even dental care and prescription drugs.

Added features beyond traditional “injury/illness” coverage for long-term expatriate care may include preventive/routine services, acupuncture, chiropractic care, maternity benefits, etc.

Another significant benefit to consider when purchasing travel health insurance is medical evacuation coverage. Remember that depending on your travel destination, adequate care for your condition may not be available locally.

Medical evacuations can come with hefty price tags (sometimes up to six figures) and are challenging to organize and coordinate. In such stressful situations, it is essential to ensure that you will not have to pay for transportation in a life-threatening emergency to a nearby location for medical treatment or to return home safely.

There are some decisions you will have to make that can be difficult to know what is best. But hey, at CAL Insurance, we can help you! These decisions may be discerning between one air ambulance company or another or having third-party medical personnel evaluate the care you receive locally to verify the need for medical evacuation.

With our help, you’ll have no trouble getting the best type of coverage for you.

Get the right International Life & Health Insurance

Navigating health insurance just got a lot smoother. Expatriates often have an appetite for “best in class” and can now enjoy superior health insurance. 

As always, it is a good idea to do your homework. Always ensure that you read the fine print rather than just scanning a benefit schedule. Ask your broker or insurance company to send you a sample policy so you can get the complete picture.

It is crucial to choose the right international life insurance policy. At CAL Insurance, we offer our global executives and families the highest quality health and life insurance coverage wherever they are in the world.

We can help you customize your medical coverage to suit your needs and define your deductible and prescription benefits!

Read more on our different insurances