International Citizens Insurance

What International Citizens Insurance does

International Citizens Insurance (ICI), operating as a subsidiary of International Citizens Group, Inc., is a licensed insurance broker/agency headquartered in Hingham, Massachusetts, with an additional sales/support office in London, United Kingdom. Founded in 2005, the firm distributes international health, travel, and life insurance products from major global carriers — including Cigna Global, Blue Cross Blue Shield Global Solutions (GeoBlue), IMG, William Russell, Aetna International, Now Health, Allianz, and Bupa Global — to individuals and organizations across more than 20 countries spanning North America, Europe, Asia Pacific, and Latin America. As a broker, ICI does not underwrite risk; it earns commissions on policies placed with carrier partners and does not charge clients a fee. Average international health policy tickets at approximately $6,900 per year, while travel medical runs $1–$5 per day and trip-cancellation policies run roughly 5% of trip price.

The company's core go-to-market combines a self-serve online quoting and comparison platform with a sales-led motion executed by licensed insurance advisors available via phone in both the US and the UK. Distribution spans individual consumers (expatriates, international students, frequent travelers, digital nomads, senior travelers, visitors) and organizations (corporate/global employers, nonprofits, missionaries, educational institutions), with the B2B group segment specifically called out as the fastest-growing cohort (74% YoY increase). The platform itself is a content-and-lead-generation website rather than a proprietary technology stack; differentiation rests on a library of 60+ country guides, comparison tools, a four-pillar product architecture (international health, travel, group/corporate, life), and human advisors who are themselves expatriates.

IInvestor-relevant signals include headcount expansion of 25% YoY, double-digit growth in life insurance and renewal premiums, a refreshed brand identity and website relaunch in 2025, and press recognition across Forbes, Inc., Fortune, Travel + Leisure, and Newsweek. The firm maintains a 4.9/5 rating across 800+ verified Reviews.io reviews. Leadership comprises President Joe Cronin (licensed in 50 states) and VP of Global Benefits Andrew Blomberg. Operating entities include International Citizens Insurance Agency (California license #6005545); no venture or PE capital has been disclosed.

Name

International Citizens Insurance

Legal name

International Citizens Group, Inc.

Website

https://internationalinsurance.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

International Citizens Insurance is a licensed insurance broker in Hingham, Massachusetts, distributing international health, travel, life, and group insurance plans from major global carriers. It serves more than 50,000 expatriates, students, travelers, and corporate groups annually via licensed advisors and online comparison tools.

Ownership category

akta.pro rank

Product category

International Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

International/Expatriate Individual Health Insurance (FSAIAEAH)

akta.pro secondary industries

Travel Medical Insurance (Individual) (FSAIAEAI), International / Expatriate Group Health Plans (FSAIAFAJ), Medical Travel Insurance (Emergency Medical, Evacuation & Repatriation) (FSAJAJAB), International Benefits Administration & Global Benefits Brokerage (BPACAHAG)

Keywords

• International health insurance
• Travel medical insurance
• Expatriate insurance brokerage
• Group benefits insurance
• Global insurance distribution

Headquarters

HQ city

Hingham

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: International Citizens Insurance acts as a licensed insurance broker/agency, earning commissions from insurance providers when customers purchase policies through their platform. They do not charge clients a fee for their services; the insurance company reimburses them.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

International Citizens Insurance is a licensed insurance broker/agency that connects individual consumers and organizations with international health, travel, and life insurance plans from multiple major global carriers (Cigna, GeoBlue/BCBS, IMG, William Russell, Now Health, Allianz, Bupa, and others). The company offers free consultations, plan comparisons, and application support for expats, travelers, students, digital nomads, and corporate groups across 200+ countries.

Product overview

International Citizens Insurance operates as an insurance broker/marketplace offering a portfolio of international health, travel, and life insurance products distributed through partnerships with major global insurers including Cigna Global, BCBS Global Solutions, IMG, William Russell, Now Health International, Trawick International, Allianz, and Bupa Global. The product architecture consists of three core pillars: (1) International Health Insurance for individuals and families living abroad long-term (including Cigna Global, BCBS Global Solutions/GeoBlue, IMG Global Medical, William Russell, IMG Global Prima, and Now Health WorldCare); (2) Travel Insurance for short-term trips including Travel Medical, Trip Cancellation, Annual/Multi-Trip, and specialty segments for students, seniors, digital nomads, and visitors; and (3) Group/Corporate Insurance for organizations with products including Cigna GHA Group Plans, BCBS Expat Group, Aetna Ascent, Cigna MBA Corporate Travel, BCBS Global Traveler, Group Life Insurance, and Foreign General Liability. The company also offers niche specialty products such as Missionary Insurance, Volunteer/Non-Profit Insurance, Emergency Evacuation, and Cancel for Any Reason add-ons.

Differentiator

Problem solved

Functional benefit

Products and services

• Cigna Global Health Insurance Flexible, comprehensive international health coverage for expats and families moving abroad, with modular Silver, Gold, and Platinum plans, offering 1.5M+ providers in 200+ countries with 24/7 multilingual support.
• BCBS Global Solutions Worldwide Premier Premium international health insurance (formerly GeoBlue Xplorer) for U.S. citizens living abroad and foreigners moving to the U.S., offering unlimited annual and lifetime coverage through the Blue Cross Blue Shield PPO Network.
• IMG Global Medical Insurance Affordable global medical coverage with four plan levels (Bronze, Silver, Gold, Platinum) and optional add-on modules, with customizable coverage areas and prescription coverage across all tiers.
• William Russell Health Insurance Private medical insurance with four plan tiers offering full inpatient coverage and comprehensive outpatient benefits, including full cancer coverage and optional maternity coverage, serving members in 160 countries.
• IMG Patriot Platinum Travel Insurance Short-term emergency medical and travel insurance serving members in over 190 countries with maximum limits up to $8,000,000 and coverage for evacuation due to natural disasters and political unrest.
• Atlas Travel Insurance Flexible travel medical coverage and worldwide protection for global travelers, available to travelers from all nationalities.
• Trip Cancellation Insurance Travel insurance that reimburses prepaid trip costs if cancellation is needed, including emergency medical coverage, lost luggage, and trip delays.
• Annual Multi-Trip Travel Insurance Multi-trip travel insurance providing year-round coverage for frequent travelers with multiple trips, typically covering each trip up to 30 or 45 days.
• StudentSecure Insurance International student health plan helping meet F-1 and J-1 visa requirements with flexible coverage and essential health benefits.
• International Life Insurance Life insurance protecting loved ones financially worldwide with term, whole, or renewable coverage options and optional accidental death, disability, or critical illness benefits.
• Cigna Global Health Advantage (GHA) Group Plan Comprehensive group health benefits for global teams with 2+ employees living and working worldwide, with access to Cigna's worldwide medical network and 24/7 multilingual support.
• Aetna International Ascent Group Medical Group medical insurance plans for 2-10 expatriate employees with six plan design options offering comprehensive global healthcare coverage and innovative wellness programs.
• Cigna MBA Corporate Travel Insurance Business travel insurance benefits covering medical benefits, prescription drugs, dental emergencies, medical evacuation, personal travel, and family member care for international business travelers.
• Group Life Insurance Whole and term life options customized for international employees, remote teams, and expatriates with worldwide protection and comprehensive death benefits.
• Foreign General Liability Insurance Liability protection for organizations operating internationally, safeguarding against lawsuits, accidents, and medical emergencies abroad.
• Missionary Insurance Plans Tailored coverage for missionary groups on service trips including travel medical, evacuation, trip cancellation, baggage, and long-term global plans.
• Volunteer and Non-Profit Group Insurance Group volunteer insurance protecting teams working internationally with coverage for accidents, illness, evacuation, and trip disruptions.
• Digital Nomad Insurance Insurance coverage designed for remote workers and digital nomads traveling and working abroad with flexible travel and international health plans.
• Senior Travel Insurance Travel insurance coverage designed for senior travelers, with tailored plans addressing age-specific considerations and coverage limitations.
• Visitors' Insurance Medical and travel benefits for individuals, families, or parents traveling abroad for up to one year.

Quantifiable outcome

• 4.9 out of 5 customer satisfaction rating based on 800+ reviews
• +3 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core, major and minor.

• Cigna GlobalcoreChannel Partner/ Reseller/ DistributorCigna Global is a key insurance carrier partner providing international health insurance plans. ICI offers Cigna Global plans including the Cigna Global Health Advantage plan for groups of 2+ employees and individual expat plans. Cigna has 1.5M+ providers in 200+ countries and holds an A rating from A.M. Best.
• Blue Cross Blue Shield Global SolutionscoreChannel Partner/ Reseller/ DistributorBCBS Global Solutions (formerly GeoBlue) is a major partner providing international health and travel insurance. ICI offers BCBS Global Solutions Worldwide Premier, Xplorer, and Voyager plans. BCBS holds an A- rating from A.M. Best.
• IMG (International Medical Group)coreChannel Partner/ Reseller/ DistributorIMG is a key insurance carrier partner offering a broad range of plans including Global Medical Insurance, Patriot Travel, and student plans. IMG serves clients in more than 170 countries and holds an A- rating from A.M. Best.
• William RussellmajorChannel Partner/ Reseller/ DistributorWilliam Russell is a second-generation family-owned insurer backed by Allianz Group, providing international health insurance in 160 countries. ICI offers William Russell plans including Bronze, Silver, Silver Lite, and Gold tiers. William Russell holds an A+ rating from A.M. Best.
• April InternationalminorChannel Partner/ Reseller/ DistributorApril International is featured as an insurance partner for expat and international coverage options through ICI.
• Aetna InternationalmajorChannel Partner/ Reseller/ DistributorAetna International Ascent plans are offered through ICI for groups of 2-10 expatriate employees, providing access to 1.1M+ providers worldwide with six medical plan design options.
• Now Health InternationalmajorChannel Partner/ Reseller/ DistributorNow Health International is offered through ICI as an alternative comprehensive global medical plan, featuring the WorldCare and SimpleCare plans. Now Health is rated A+ by A.M. Best.
• Allianz InternationalmajorChannel Partner/ Reseller/ DistributorAllianz International is offered through ICI for international employers and group plans. Allianz Group holds an A+ rating from A.M. Best.
• Bupa GlobalminorChannel Partner/ Reseller/ DistributorBupa Global is offered through ICI for citizens of select countries seeking premium private healthcare access. Bupa has over 65 years in business.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• SafetyWing: SafetyWing is a venture-backed, digitally-native insurance provider built specifically for remote workers and digital nomads — a core ICI customer segment. It represents a fast-growing, mobile-first competitor with strong brand recognition among nomads.

Broad incumbents

• William Russell: William Russell is a specialist international health insurer (backed by Allianz) whose plans ICI distributes; William Russell also sells direct to expatriates in 160+ countries, competing with ICI for the high-net-worth expat segment.
• Cigna Global: Cigna Global is one of ICI's core carrier partners and also a major direct-to-consumer international health insurer; it competes with ICI at the carrier level and has the scale to disintermediate brokers via direct digital sales.
• International Medical Group (IMG): IMG is a leading international medical insurer whose Global Medical, Patriot Travel, and student plans ICI resells; IMG also sells direct globally and competes with ICI's broker offering for the same expat, student, and traveler customers.
• Allianz International: Allianz International is one of the world's largest global insurers offering international health, travel, and group benefits, directly competing with ICI at the enterprise and individual level while also serving as a carrier partner.
• Bupa Global: Bupa Global is a major international health insurer with 65+ years of history offering premium expat coverage; it is featured as an ICI partner and competes with ICI for expatriate customers in the U.K., Europe, and select international markets.

Direct peers

• VisitorsCoverage: VisitorsCoverage is an international insurance marketplace and broker specializing in visitor, travel, and immigrant insurance — a directly comparable aggregator model to ICI serving overlapping customer segments including new immigrants, students, and short-term visitors to the U.S.
• World Nomads: World Nomads is a global travel insurance provider focused on adventure and independent travelers, directly competing with ICI's travel insurance tier (Patriot, Atlas, Voyager) for the frequent traveler and digital nomad segment.
• Insubuy: Insubuy is a long-standing international insurance broker offering visitor, immigrant, student, travel, and expatriate health insurance from multiple carriers — directly competing with ICI across virtually the same product set and customer segments.
• GeoBlue (BCBS Global Solutions): GeoBlue is the international health and travel insurance arm of Blue Cross Blue Shield, offering expatriate and traveler plans that overlap directly with ICI's core Cigna, BCBS, and IMG products. ICI resells GeoBlue plans, but GeoBlue also sells direct to the same expat/corporate customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/intinsurance
• Facebookfacebook.com/internationalinsurance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about International Citizens Insurance