We heard that Expat Health Group had launched a free quote comparison tool for international health insurance. Since comparing plans is one of the most painful parts of buying expat coverage, we decided to test it ourselves and see if it actually works.
The Problem We Were Trying to Solve
If you've ever tried to compare international health insurance plans, you know how tedious it is. You visit Cigna's website, fill out a form, wait for a quote. Then you do the same thing on Allianz's site. Then XN Global. Then NowHealth. Each site has a different interface, different terminology, different questions. By the time you've collected quotes from four or five providers, you've spent two hours and you're not even sure you're comparing the same coverage levels.
Most expats we talk to either settle for the first quote they get or they give up and go uninsured. Neither option is great.
So when we heard that Expat Health Group had built a tool to solve this problem, we were curious.
What We Did
We went to the Expat Health Group website and tried their quote tool. Here's what the process looked like:
Step 1: Enter your details. The tool asked us four questions: where we live (or plan to move), our nationality, our age, and what deductible we'd prefer. Nothing invasive, nothing we hadn't answered a dozen times before.
Step 2: Get instant quotes. Within seconds, the tool showed us quotes for 9–10 different international health insurance plans. Not estimates. Not "starting at" pricing. Actual numbers.
Step 3: Compare them side-by-side. The tool displayed all the plans at once so we could see the annual cost, coverage limits, deductible options, and key features for each one.
Step 4: Dig deeper if we wanted to. If we had questions about a specific plan, we could book a free call with someone at Expat Health Group to discuss it.
Total time: about 3 minutes to get quotes.
What Surprised Us
The first thing that stood out was the transparency. Most comparison sites show you "starting at" prices or estimates. This tool showed us actual prices based on our exact situation. That's not common.
The second thing was that all 9–10 plans were displayed equally. We didn't see a "recommended" plan or a "best value" plan. The tool wasn't trying to steer us toward any particular option. It just showed us the full range of what's available and let us decide.
The third thing was the speed. We've spent hours on insurance websites filling out forms and waiting for callbacks. This took minutes.
What We Liked
Instant pricing. You enter your details and you get real prices immediately. No waiting for a callback or an email. This alone saves hours of research time.
All plans shown equally. Unlike many comparison sites that have financial incentives to promote certain plans, this tool shows everything at once. You see the full range from budget options to premium coverage.
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We work with leading international health insurers including Cigna Global, Allianz Care, AXA Global Healthcare, and Now Health International.
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No spam. The tool doesn't require an email signup upfront. You only share contact information if you choose to book a call. There's no follow-up spam or aggressive sales pressure.
Mobile-friendly. The tool works on phones, tablets, and desktops. For expats who are constantly on the move, this matters.
What Didn't Work As Well
Limited to 9–10 plans. The tool doesn't include every international health insurance provider. If you're specifically looking for a plan from an insurer that's not included, you'll need to check that insurer's website directly.
Pre-existing conditions need a conversation. The tool shows base plans, but if you have specific health conditions, the final price and coverage may be different. You'll need to talk to someone to get an accurate quote for your situation.
Regional availability varies. Not all plans are available in all countries. The tool handles this by only showing plans available in your region, but if you're moving somewhere less common, your options may be limited.
Who Should Try This?
If you've never bought expat health insurance before, this tool is a great way to understand what's available and what things cost. You'll get a real sense of the market in 3 minutes.
If you're unhappy with your current plan or it's coming up for renewal, the tool lets you quickly see what alternatives exist and what they cost.
If you're torn between a few different insurers, the tool lets you compare them all at once instead of visiting each website separately.
If you're moving to a new country and need coverage ASAP, the tool gets you real quotes fast so you can make a decision quickly.
How It Compares to Other Options
vs. Visiting each insurer's website directly: You'd spend 2–3 hours filling out separate forms and waiting for quotes. The tool does it in 3 minutes.
vs. Calling an insurance broker: Brokers are knowledgeable and can give personalized advice, but they typically take days to respond. The tool is instant.
vs. Asking Reddit or Facebook expat groups: Community advice is valuable and often comes from real expats. But it's anecdotal and often outdated (insurance plans change frequently). The tool gives you current, data-driven comparisons.
The Bottom Line
We were skeptical when we started, but the tool actually works. It's fast, transparent, and it doesn't try to hard-sell you on anything. If you're shopping for expat health insurance, it's worth 3 minutes of your time to get real quotes and see what's available.
Our general advice at ExpatHealth.org is always to use a broker rather than buying direct. A good broker can help you understand the fine print, flag exclusions that matter for your situation, and advocate for you if you ever need to make a claim. The Expat Health Group quote tool is a useful first step — it gives you a clear picture of what's available and what things cost before you pick up the phone. Use it to do your research, then speak to a broker to make the final call.
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