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Plain comparison · sources linked and dated

What the price actually buys.

The cheapest certificate is the one that gets your visa refused — you pay twice: once for the policy, once in lost time when the consulate bounces the file. Here is the honest version of the comparison, with every outside number linked to its source.

First, the trap: travel insurance is a different product

Travel medical policies are built for trips, not residence. Consulates processing long-stay visas routinely refuse them — not because the brand is bad, but because the certificate can’t say what the rule requires. That’s the whole comparison in one sentence: a policy is only cheap if it’s accepted.

Published alternative prices against what a long-stay visa needs
OptionPublished priceWhat it isOn a long-stay visa file
SafetyWing Nomad Insurance (Essential) $62.72 / 4 weeks (ages 10–39) Travel medical insurance — their own description The category consulates refuse for France/Italy long-stay files — why, with the rule quoted
Feather expat health (Germany) €72–134 / month (ages 18–64) Germany-only expat product, up to 5 years from arrival A fair option if Germany is your only destination and horizon — we say so honestly
Our plans (Regency) From $60/mo per adult, billed annually International health insurance, one insurer across all 8 destinations Certificate written for your visa rule, confirmed by a person before you apply

Outside prices read from safetywing.com and feather-insurance.com on 17 July 2026; check the linked pages for current figures. Our prices are Regency’s official 2026 EU-region rates.

What each of our prices buys

Every level below is real health insurance for residence — the certificate type long-stay rules ask for. From about $127/mo per adult, Comprehensive adds the family layer most applicants actually want: full outpatient care, dental, and check-ups.

Standard

From $1,133/yearabout $94/mo billed annuallyChildren 0–17: flat $853/yr

Adds everyday outpatient care — GP and specialist visits, prescriptions, and tests — to hospital cover.

  • US$1,000,000 overall plan limit per year
  • GP, specialist, medication & lab tests (US$750 each)
  • Outpatient surgical to US$25,000
  • Semi-private hospital room & board
  • Pre- & post-hospitalisation cover

New applicants up to age 70.

+ everything included — hover to expand

Scope: No dental or wellbeing benefits at this level.

Choose StandardSee your price by age →
Most chosen for visa moves

Comprehensive

From $1,525/yearabout $127/mo billed annuallyChildren 0–17: flat $1,151/yr

Broad family cover: full outpatient, dental, wellbeing check-ups, and parental accommodation.

  • US$1,000,000 overall plan limit per year
  • Full outpatient: GP, specialist, meds, tests, physiotherapy
  • Dental (major & emergency, inpatient) + annual check-ups
  • Parental accommodation (added bed, same room)
  • Organ transplant cover to US$100,000
  • Annual wellbeing check-ups to US$250 (co-insurance)

New applicants up to age 70.

+ everything included — hover to expand

Choose Comprehensive

Want the maximum? Fully Comprehensive adds a private room, a US$2,000,000 limit and routine dental from about +$32/mo.

See your price by age →

Fully Comprehensive

From $1,906/yearabout $159/mo billed annuallyChildren 0–17: flat $1,439/yr

The highest level: full-cover room, uncapped surgeon fees, routine dental, and the largest limits.

  • US$2,000,000 overall plan limit per year
  • Full-cover private room & board
  • Full surgeon, professional & outpatient cover
  • Routine & major dental (after 6-month wait)
  • Wellbeing check-ups & vaccinations to US$500

New applicants up to age 70.

+ everything included — hover to expand

Choose Fully ComprehensiveSee your price by age →

See your exact price by age →

Budget options — limited cover

Essential Health

From $392/yearabout $33/mo billed annually

A budget plan for accident and emergency care in state hospitals only. Not full private health cover.

  • US$100,000 maximum plan limit per year
  • Unforeseen accident & emergency care only

Scope: State hospitals only, accident/emergency only. No outpatient, dental, or wellbeing cover. Not a substitute for full private health insurance on a visa application.

Choose Essential Health →

Major Medical

From $721/yearabout $60/mo billed annually

Hospital-focused cover: inpatient treatment, surgery, and emergencies, worldwide outside the US.

  • US$1,000,000 overall plan limit per year
  • Semi-private hospital room & board
  • Theatre, ICU, and emergency-room cover (full)

Scope: No outpatient, dental, or wellbeing benefits at this level.

Choose Major Medical →
Benefit comparison across the five plan levels
Benefit Essential HealthMajor MedicalStandardComprehensiveFully Comprehensive
Price per adult (from, billed annually) $392/yr$721/yr$1,133/yr$1,525/yr$1,906/yr
Annual plan limit US$100,000US$1,000,000US$1,000,000US$1,000,000US$2,000,000
Hospital room & board Capped daily rateSemi-privateSemi-privateSemi-privateFull cover
Outpatient (GP, specialist, meds) ——US$750 eachUS$750 eachFull cover
Dental ———Inpatient + major (co-insurance)Routine & major (6-mo wait)
Wellbeing check-ups ———US$250 (co-insurance)US$500
Evacuation & repatriation —Optional add-onOptional add-onOptional add-onOptional add-on
  • Treatment is covered worldwide, excluding the United States.
  • Pre-existing conditions are excluded — including conditions you did not know about.
  • Evacuation & repatriation is an optional benefit that costs an additional premium.
  • Prices are Regency’s 2026 rates for the EU region: per person, per year, billed annually, starting at adult age 18 — your exact price depends on age. Children 0–17 pay a flat rate on every plan.
  • Plans run in 12-month terms and renew at the anniversary; the age limits shown apply to new applicants.

Why the price holds up

  • One insurer for all eight destinations — move from Lisbon to Vienna without re-shopping cover.
  • Annual limits of US$1,000,000 to US$2,000,000 — visa minimums like €30,000 sit far below every level.
  • Apply and get cover the same day, with no medical exam, and a 14-day cooling-off period.
  • Direct billing with providers once treatment is pre-authorised.
  • Children 0–17 pay one flat rate per plan — family pricing stays predictable.

And the honest limits, stated up front: pre-existing conditions are excluded, treatment in the United States is not covered, and new applicants are accepted to age 70 (Essential to 80).

See your exact price by age Check my current policy