Americans Helping Americans Abroad

Adequate health insurance is a challenge faced by every American living abroad.

But a good plan must:

  • Suit your particular circumstances as an American abroad
  • Have a reasonable cost
  • Meet the requirements of the country where you live

Finding a policy which satisfies all these can be challenging, especially when added to all the other things one must do when moving abroad from the U.S.

Since 1987 AARO has provided a reasonably priced medical insurance plan designed for Americans resident outside the U.S.A. Backed by the internationally recognized insurer Groupama GAN Vie and administered by MSH International, it meets the needs of Americans living abroad who have no local medical insurance in their country of residence or who wish to supplement their local plan.

Customized Features & Benefits

Top features of the plan have been specially designed for Americans living abroad.

  • All American citizens living abroad and who are members of AARO are eligible
  • Available in almost every country worldwide
  • Easily portable if you move from one country to another outside the U.S.
  • Coverage includes the U.S. for emergency cases
  • No age limit
  • All communication can be done in English

Learn more about the plan’s features, benefits and coverage options.

Broad Eligibility at a Reasonable Cost

Expatriate Americans will most likely be accepted for coverage if they are members in good standing of AARO, are in good health, and live outside the United States.

Learn more about eligibility, coverage and cost on the Plan Eligibility Coverage and Cost page.

How to Sign Up

Here is how to join the AARO Expat Health Insurance Program. You will need to complete an application form, gather some medical information, and determine how to pay the premiums and receive reimbursements. The steps and forms you will need can all be found at How to Sign Up for the AARO Insurance Plan.

Q&A for Joining the AARO Plan

Here are frequently asked questions about joining the AARO health insurance program.

About the Insurance Provider

The AARO plan is administered by MSH International, a wholly-owned subsidiary of the DIOT-SIACI GROUP. AARO has worked with MSH for over three decades to provide policies for Americans living abroad.