April International review: complete guide for expats & digital nomads

If you’re planning to live or work abroad, it’s likely you’ll need some form of international health insurance. In fact, many countries won’t even allow you to get a visa without a valid policy.

There are many providers out there. This review will focus on April International, an award-winning insurer.

April International is one of the big players in international health insurance. It has over 180,000 policyholders around the world. Its network of providers is over 2 million strong in 192 countries. April has almost 40 years’ experience in international health insurance.

This review will help you learn about April so you can decide on your next international health insurance policy. We’ve outlined our methodology below our pricing tables and for comparisons with over providers.

April International

APRIL International is a health and travel insurance provider operating in 180 countries. Their range of insurance products is tailored to the needs of expats, whether you’re relocating your family, studying for a semester abroad, enjoying a working holiday, or simply traveling. Thousands of expats already trust APRIL International.

• Who is April International? Company overview

• How much does April International cost?

• Who should choose April International?

• How does April International compare to other insurance providers?

• The verdict: is April worth it?

Who is April International? Company overview

April is a French insurance company. It was founded in 1988 and expanded to other European countries in the 1990s and early 2000s. It has since expanded to other parts of the world.

It specialises in international health insurance and has a network of more than 2 million healthcare providers in 192 countries.

April’s policies are designed for expats, digital nomads and international workers.

It has a digital-first strategy and is constantly trying to improve the customer experience and claims process. This makes it stand out from competitors that are still more traditional insurers.

April International is regulated and compliant in multiple markets, including the UK, France and the EU and multiple Asian countries.

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Coverage details by plan

April’s plans come with the same maximum limit, but they differ in what they cover and how much the sub-limits are for certain things.

• International: This is an entry-level plan to cover the essentials. The maximum annual plan limit is £1,000,000. Good for younger expats or those on a budget.

• International Plus: This covers more than the base plan. The maximum annual plan limit is £1,000,000. Would suit someone who wants emergency cover and some routine health cover as well.

• Executive: This includes maternity cover. The maximum annual plan limit is £1,000,000. Suitable for someone with an established career or looking to start a family.

• Executive Plus: The top cover available. The maximum annual plan limit is £1,000,000. Has higher sub-limits than the cheaper tiers.

International Plan

Annual Maximum Coverage: £1,000,000 / $2,000,000 / €1,500,000

Monthly Premium Range: £114.83, £346.00

Geographical Coverage: Worldwide or Worldwide excluding USA and the Caribbean

Included Core Benefits:

• Inpatient Cover

• Post-hospital Treatment

• Cancer Cover

• Emergency Medical & Non-medical Evacuation

• Vaccination

• Chronic Condition Treatment

• Out of Area Cover

International Plus Plan

Annual Maximum Coverage: £1,000,000 / $2,000,000 / €1,500,000

Monthly Premium Range: £179.93, £487.54

Geographical Coverage: Worldwide or Worldwide excluding USA and the Caribbean

Included Core Benefits:

• All benefits from the International Plan, PLUS;

• Outpatient Cover

• Routine Dental Treatment

• Mental Health Cover

• Routine Health Checks

Executive Plan

Annual Maximum Coverage: £1,000,000 / $2,000,000 / €1,500,000

Monthly Premium Range: £290.56, £752.05

Geographical Coverage: Worldwide or Worldwide excluding USA and the Caribbean

Included Core Benefits:

• All benefits from the International Plus Plan, PLUS;

• Maternity Care

Executive Plus Plan

Annual Maximum Coverage: £1,000,000 / $2,000,000 / €1,500,000

Monthly Premium Range: £372.37, £907.87

Geographical Coverage: Worldwide or Worldwide excluding USA and the Caribbean

Included Core Benefits:

• All benefits from the Executive Plan

You can get a quote specific to your needs on April’s website.

How much does April International cost?

Age

International

International Plus

Executive

Executive Plus

25

£114.83

£179.93

£290.56

£372.37

35

£157.92

£226.04

£364.64

£465.28

45

£202.10

£288.12

£464.60

£590.86

55

£346.00

£487.54

£752.05

£907.87

* Factors: Birthday is 1 January 2000, 1990, 1980, 1970. Lives in the United Kingdom. Coverage is Worldwide excluding the USA and the Caribbean. Cover begins on 10 January 2026. Quotes generated on 16 December 2025. £250 excess. Monthly cost. No pre-existing conditions. No plan add-ons. Male.

Pros and cons of April International

Advantages

• Global network access of more than 2 million healthcare professionals in 192 countries

• App is highly regarded

• Often scores well in industry reviews

• Policies are flexible and customisable

Disadvantages

• You need to be under 70 when you first apply, which is lower than other insurers

• Complex claims can take a while to pay out

• High out-of-pocket costs for some claims

• Annual limits can be lower than other insurers, so might not be appropriate for expensive countries

• Some treatments require pre-authorisation

Who should choose April International?

• If you’re living in a country with low healthcare costs

• Those on a budget

• If you want a digital-first experience

April International’s plans are quite flexible and it’s possible to customise them.

April’s plans in the UK offer a choice of worldwide and worldwide excluding the USA and the Caribbean.

• If you need a higher level of cover

• If you have pre-existing conditions

There are other insurers that have higher levels of cover. If you want the extra peace of mind then that’s something to consider.

How flexible are April International’s policies?

April’s policies come with a 14-day cooling-off period from the start date. It might be possible to cancel that but it depends on each individual policy. If you do need to cancel then April says to get in touch directly.

For April UK customers, you’ll get sent an email around four to six weeks before your policy ends. If you want to renew, you’ll need to follow the instructions in that email and make any updates to your policy before it expires.

How does April International compare to other insurance providers?

April International vs. Cigna Global

• Number of plans: April offers 4 plans (International, International Plus, Executive, Executive Plus). Cigna offers 3 plans (Silver, Gold, Platinum).

• Annual plan limits in USD: All April plans have a limit of $2,000,000. Cigna plans range from $1,000,000 for Silver, $2,000,000 for Gold, and Unlimited for Platinum (for inpatient and daypatient treatment).

• Network size: April has 2 million providers globally. Cigna has 1.5 million in 200 markets.

Target Audience & Features Comparison:

• April International: Targets younger expats or long-term travellers seeking flexibility. Key features include claim settlement within 5 days and affordable cover.

• Cigna Global: Targets older retirees (with no upper age limit) and people wanting a more customised plan. Key features include customisable care and no upper age limits.

Visit Cigna’s website to get a personalised quote.

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April International vs. Allianz Care

• Number of plans: April offers 4 plans (International, International Plus, Executive, Executive Plus). Allianz Care offers 3 plans (Care Base, Care Enhance, Care Signature).

• Annual plan limits in USD: All April plans have a limit of $2,000,000. Allianz Care limits range from $1,350,000 for Care Base, $2,700,000 for Care Enhance, and $5,000,000 for Care Signature.

• Network size: April has 2 million providers globally. Allianz Care has over 2 million providers in 200 markets.

Target Audience & Features Comparison:

• April International: Targets younger expats or long-term travellers seeking flexibility. Key features include claim settlement within 5 days and affordable cover.

• Allianz Care: Targets retirees and professionals seeking reliable care. Key features include an easy-to-use app and website, and the option to choose cover specifically for Europe or Africa, as well as worldwide and worldwide excluding USA.

Visit Allianz’s website to get a personalised quote.

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How to get started with April International

Step-by-step sign-up guide

• Visit the April International website. Select the type of cover (this guide focuses on long-term), the country of coverage and look at plans.

• Get your personalised quote. It’s important you put accurate information in as your quote depends on your individual circumstances.

• Compare plan options. Look at what each plan offers and see how you can reduce your premiums by including a voluntary excess.

• Complete the application. If you’re happy with a plan then you can proceed.

• Submit required documents. You might be required to submit documents to prove your ID and residency.

• Make your first payment. Choose whether you’ll pay monthly, quarterly or annually. Then enter your payment details and make your first payment.

• Receive policy confirmation. You’ll get an email with all the important information.

Tips for getting the best quote

• Include a voluntary excess. This means your premium will be lower.

• Look if there’s a payment surcharge. Pay annually if it means you’ll get a discount or not be charged a surcharge.

• Only get coverage in countries you’ll need it and don’t pay for treatment options you won’t ever use.

• Emergency cover might be adequate for your needs. Check the policy details to see what you actually think you’ll need cover for.

• Don’t add any expensive extras that you won’t use. If you’re not having children then you don’t need pregnancy cover, for example.

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The verdict: is April worth it?

April International offers a compelling, flat-level policy coverage unlike competitors who increase maximum limits by tier. Policy differences depend on what is covered and sub-limits for specific treatments.

The fixed maximum cover is less important in countries with low healthcare costs, but those in high-cost countries may prefer higher-limit policies.

April’s customisable plans and large global network of providers, coupled with a digital-first strategy, aim for an easy experience.

To find the best policy, compare quotes from multiple providers, focusing on coverage and limits.

FAQ

Readers' questions

Does April International cover pre-existing conditions?

No, it doesn’t.

Any conditions you have in the two years before taking out cover will not be covered. The only exception is if you have bought a plan add-on for a pre-existing condition. In any case, you should declare pre-existing conditions when purchasing a plan or the whole plan could be voided.

Is there a waiting period for coverage?

There’s no waiting periods for core cover. Certain other benefits might require a waiting period, such as pregnancy cover.

Can I cancel my policy anytime?

You have a 14-day cooling-off period after your policy start date. It is possible to cancel after this, but it will depend on the policy details and incur fees. April International suggests you get in touch directly to discuss your options.

Does April International cover dental and vision?

Dental cover is included in the three higher plans. Cover levels increase from International Plus, to Executive and then again for Executive Plus. Optical cover is included in the highest plan only.

What's the maximum age for enrolment?

The maximum age limit for new customers is 70.

Are prescription drugs covered?

Yes, prescription drugs are included in outpatient cover for the three higher plan tiers.