Long-Term Health Insurance for Expats in the USA
This program offers health insurance for expats living outside their home country for 12+ months. This AgoraExpat insurance program renews each year and moves with you when you change countries.
Registered insurance broker, ORIAS n° 12068657, supervised by the ACPR. Check the register
Long-Term International Health Insurance Plans
At AgoraExpat, we curate long-term international health insurance plans for expats living abroad for 12 months or longer. Instead of pushing one insurer, we compare leading providers and help you choose coverage that fits your destination, budget, and medical needs. Here's who we service:
Working Professionals
Retirees Abroad
Digital Nomads
Families Relocating
Compare Long-Term Health Insurance Plans
Key features to consider when choosing your international coverage
Worldwide / Worldwide excl. USA / USA included
Available with most plans at partner hospitals and clinics worldwide
Approach varies: underwriting, moratorium, or exclusions depending on insurer
Available with waiting periods (typically 10-12 months) depending on plan
Optional on most plans -- includes doctor visits, prescriptions, and checkups
Included as standard on most plans, optional on some
Annual renewable is standard -- your coverage continues year after year
Why Choose AgoraExpat for Long-Term International Health Insurance?
When you're living abroad for 12+ months, the 'cheapest plan' is rarely the best plan. What matters is whether your coverage actually works when you need care. Here's why AgoraExpat is the most trusted solution for long-term international health insurance:
Advisor-Led Recommendations
We don't push a single insurer. We compare long-term international health insurance options and recommend the plan that fits your destination, budget, family situation, and medical priorities with clear explanations of what's included, what's optional, and what's excluded.
Built for Real Expat Life (12+ Months, Renewable)
Long-term expat coverage needs flexibility. We help you choose plans designed for extended stays with renewal options, so your protection can evolve as your work, residency status, or travel plans change.
We Offer 24/7 Support
Getting coverage is step one. Our team stays available to help you navigate the practical stuff: policy activation, certificate documents, renewals, and claims questions so you're not left alone emailing an insurer when you're sick in a new country.
Trusted by Expats Worldwide
With 10+ years of experience, 5,000+ clients, and coverage options available across 100+ countries, AgoraExpat is built to support expats who need long-term protection.
How It Works
Long-term international health insurance is designed for people living abroad for 12 months or longer. Unlike short-stay travel insurance, it functions more like a true medical plan built to protect you through real expat life, including hospitalization, day-to-day care (if selected), and ongoing support across borders.
Share your destination and plans
Tell us where you're moving, how long you plan to stay, and what matters most in your coverage.
We compare and recommend
We compare options from trusted international insurers and recommend the plan that fits your destination, budget, and medical needs.
Get covered and stay supported
From activation through claims and renewals, your dedicated advisor provides continuous support throughout your expat journey.
Share your destination and plans
Tell us where you're moving, how long you plan to stay, and what matters most in your coverage.
We compare and recommend
We compare options from trusted international insurers and recommend the plan that fits your destination, budget, and medical needs.
Get covered and stay supported
From activation through claims and renewals, your dedicated advisor provides continuous support throughout your expat journey.
Based on 3 Google reviews
Thomas Vandenabeele
Éric THOBY is a great professional with precise knowledge of all health insurance issues. He takes great care of his clients, and doesn't hesitate to fight for them.
Alice Vieville
Look no further if you need health insurance in the United States and ask Agora Expat directly! They will immediately find exactly what you need! Their work is very fast, individualized and their help is perfect!
Alexandre Bollengier
Healthcare in the US is complicated. Until we met Éric Thoby from AgoraExpat.
Common Questions About Long-Term Coverage
Health Insurance Solutions for all nationalities
AgoraExpat supports expatriates and people preparing for expatriation with international insurance solutions that adapt according to your project.
Long-term installation
More than 12 months
Our offers provide comprehensive coverage that adapts to your needs and covers you anywhere in the world.
Long-term
Short stay
Less than 12 months
Our solutions cover you worldwide for the exact duration of your stay abroad.
Short stay
Student solutions
Are you going abroad for an internship or to study? Ensure yourself according to your destination.
StudentsAgora Expat vs Other Health Insurance Providers
| AgoraExpat | Direct International Insurers | General Brokers & Comparison Sites | |
|---|---|---|---|
| What it is | Independent broker comparing multiple insurers | Single insurance company selling their own plans | Aggregators listing many providers |
| Best for | Expats who want expert guidance and plan comparison | People who already know which insurer they want | Price comparison shoppers |
| Coverage focus | Tailored to destination, budget, and medical needs | Limited to their own product range | Broad but not personalized |
| Speed to quote | Quote in 2 minutes, expert follow-up within 24h | Varies, often requires lengthy application | Instant quotes but limited expert support |
Written by the AgoraExpat advisory team. Reviewed by Eric Thoby, Founder & CEO, AgoraExpat. Insurance broker registered with ORIAS (n° 12068657) and supervised by the ACPR.
Last updated: August 19, 2026
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