What U.S. Expats Should Know About Healthcare When Moving Abroad
Blog post description.
When most Americans imagine living abroad, they picture ocean views, cobblestone streets, and new cultural experiences not hospitals or health insurance paperwork.
But if you’re planning a long-term move overseas, understanding how healthcare works in your new country is just as important as researching housing or visas. The truth is, healthcare systems vary dramatically from place to place, in cost, quality, and accessibility and being prepared can make all the difference.
Here’s what every U.S. expat should know before making the move.
Healthcare Quality: A Wide Range, Often Surprisingly High
Many countries around the world offer healthcare that rivals — and in some cases exceeds — what you’d find in the U.S.
Countries like France, Spain, Portugal, Costa Rica, and Thailand consistently rank high for quality, cleanliness, and patient satisfaction. Major cities often have modern hospitals, English-speaking doctors, and advanced facilities.
However, the quality can vary within the same country. Urban centers tend to have excellent care, while smaller towns or rural areas might have limited resources or longer wait times.
That’s why it’s wise to:
Research hospital and clinic ratings in your target area.
Ask local expats where they go for care.
Consider living within reasonable distance of a reputable medical facility.
Cost of Healthcare: Generally Lower Than in the U.S.
One of the biggest surprises for Americans moving abroad is how affordable healthcare can be.
In much of Europe, Latin America, and Asia, doctor visits, prescriptions, and even hospital stays cost a fraction of what you’d pay in the U.S. For example:
A routine doctor’s appointment might cost $25–$50 USD.
A specialist consultation may run $60–$100 USD.
Many prescriptions cost less than half of U.S. prices.
Some countries provide universal public healthcare, available to residents or citizens. Others offer private healthcare systems where you pay out of pocket or use private insurance. Many expats use a hybrid approach — public care for routine needs and private insurance for faster access or major procedures.
Health Insurance Options for Expats
Before moving abroad, it’s essential to decide how you’ll maintain health coverage. Here are your main options:
1️⃣ Local Health Insurance
Once you become a resident, some countries allow you to enroll in their national healthcare system. This is often the most affordable route.
2️⃣ Private International Health Insurance
Companies like Cigna Global, IMG, and Allianz offer expat-specific policies that cover care worldwide (including optional coverage in the U.S.).
3️⃣ Travel or Temporary Insurance
If you’re renting first or testing the waters abroad, short-term international health insurance is a good interim option.
When comparing plans, look at:
Coverage limits and exclusions
Whether the policy includes medical evacuation
Access to English-speaking doctors
Renewal terms (especially for long-term stays)
Practical Tips for U.S. Expats
Schedule a full medical checkup before leaving the U.S.
Bring copies of your medical records and prescriptions. I always always ask for the after visit summary AND paper copies of all test results. I scan them into the cloud so that they are accesaible where ever I am since the medical team may not have "MyChart" like in the USA.
Learn key medical terms in the local language.
Identify local pharmacies and urgent care centers near your new home.
These steps help you transition smoothly and avoid surprises if you ever need care abroad.
Final Thoughts
For most U.S. expats, healthcare abroad is not only more affordable but often more accessible and personalized. Still, every country and every individual situation is different.
The best strategy? Plan ahead. Understand the system where you’re going, know your insurance options, and choose a location where quality care is within reach.
At PAC Realty Group, we help clients think through every part of international relocation — not just the home search. Because moving abroad isn’t only about finding your dream property — it’s about creating a sustainable, healthy, and balanced life overseas.