April International
A French-headquartered international health insurer with a flexible nomad-friendly product and the operational depth of a 30-year-old European carrier.
April International is part of the APRIL group, one of France's largest insurance brokerages, and they've been doing international health insurance for expats and travelers for decades. Their MyTempo product is built specifically for people whose lives don't fit a one-year policy.
{{TOKEN}} are awaiting verification before this page goes live.Plans at a glance
MyTempo (Essential / Comfort / Premium)
{{APRIL_MYTEMPO_FROM_PRICE_EUR}}/month for a 32-year-old (TBC)Nomads and travelers with open-ended timelines
Flexible duration, monthly billing options, scales from basic medical to comprehensive coverage. The right pick for people whose timeline is open-ended.
Deductible options: TBC
April International Expat plans
{{APRIL_EXPAT_FROM_PRICE_EUR}}/month for a 32-year-old (TBC)Long-term expats and nomads who've effectively relocated
Full annual international health insurance with maternity, chronic care continuity, broader benefit limits. For nomads who've stopped pretending they're going home soon.
Deductible options: TBC
Travel-only short stay
Available on requestSub-90-day travel insurance
Not the primary fit for full-time nomads, but worth knowing exists.
Deductible options: TBC
Strengths
- Genuinely flexible duration with MyTempo. Most international health insurance forces you into 12-month commitments. MyTempo lets you buy in shorter blocks, extend mid-trip, and pay monthly — which matches how nomads actually live.
- European carrier discipline. Policy wording is clear, the schedule of benefits is laid out cleanly, and what's covered tends to actually be covered without weird interpretive games at claim time. {{APRILCLAIMAPPROVALRATETOKEN}}
- Strong coverage footprint in Europe, Asia and Latin America. Their provider network and reimbursement relationships are particularly solid in the regions most nomads spend time in.
- Multi-language support. French, English, Spanish at minimum — meaningful when you're trying to explain a medical situation under stress. {{APRILLANGUAGESTOKEN}}
- Established claims operation. APRIL group has been doing this for over 30 years. The claims back-office is mature, which shows up in fewer surprises and more predictable timelines.
- Repatriation and assistance built in. Most plans include 24/7 medical assistance and repatriation coverage as standard, not a paid add-on — which is how it should be on an international plan.
What to watch out for
- Reimbursement model, not cashless by default. Outside of inpatient hospital arrangements where they can set up direct billing, most outpatient claims are pay-first, claim-back. Less convenient than card-based competitors. Budget for fronting costs.
- USA coverage is limited or expensive. Like most non-US carriers, full US coverage either isn't available on the cheaper plans or requires the highest tier with a meaningful price uplift. Heavy US travelers should look elsewhere or budget accordingly.
- Pre-existing conditions handling varies by product. MyTempo and short-duration plans generally exclude pre-existing conditions outright, while the longer expat plans underwrite them on a case-by-case basis. Read carefully which product you're actually buying.
- The website and quoting flow can feel old-school. This is a real European insurer, not a tech-first startup — the digital experience reflects that. Functional, not delightful.
- Some benefits require pre-authorization. Skipping pre-auth on procedures that require it can mean partial or denied reimbursement. Read the schedule and call before any non-emergency hospital admission.
Who should pick April International
Who probably shouldn't
You hate the idea of paying medical bills yourself and waiting for reimbursement — you'll be happier with a card-based competitor. You're US-heavy and need real domestic-quality US coverage at a reasonable price — April will be expensive or insufficient for that profile. You want a slick app-first experience for every interaction — April will feel functional but dated.
How claims work
For most outpatient and minor claims, the flow is: receive treatment, pay the provider, submit the invoice and medical documentation through April's portal or app, wait for review and reimbursement to your bank account. For hospitalization and major planned procedures, you (or the hospital on your behalf) contact April in advance to set up direct billing where possible. Emergencies go to the nearest appropriate facility and get notified as soon as you can. Pre-authorization is required for specific high-cost benefits — check the schedule.
Support quality
April runs proper business-hours customer service in multiple languages and a 24/7 medical assistance line for emergencies and repatriation. Business-hours email and phone support is generally responsive in their main markets; out-of-hours response on non-emergency questions can be slower. The medical assistance line is the part that actually matters in a crisis, and that side of the operation is mature. {{APRILSUPPORTRESPONSETIMETOKEN}}
FAQ
Our take
April International is the carrier we send nomads to when they want a serious, established European insurer rather than a slick newer brand — and especially when MyTempo's flexible duration fits their life better than a rigid 12-month policy. The reimbursement model is a real friction point compared to card-based competitors, and US-heavy nomads will struggle on price, but the underlying coverage, the clarity of policy wording, and the maturity of the claims operation are all genuine strengths. They're one of the carriers we currently route nomads to, particularly for European-based nomads and people who want flexible durations — though as always, partner relationships evolve and we reassess the lineup regularly.
Want to see if April International fits you?
Run the 3-minute matching flow and we'll tell you honestly whether this carrier is the right pick — or whether someone else fits better.