Vumi

Global / Nomad

Allianz

Morgan White

Comprehensive

Cigna

Specialty / Defined Benefit

Azimuth

Budget

This plan is our go-to for people that are living in the US part time, but also abroad. Their strong US network includes hospitals like MD Anderson Cancer Clinic, Mayo Clinics, and more. The limits are high enough that you would rarely ever hit them, regardless of where you are in the world. This is the plan that many of our company's executives personally use.

This plan comes from BlueCross BlueShield, one of the world's largest insurers. This carrier has one of the strongest direct-pay networks we have seen, but the real key factor of this plan is that it covers preexisting conditions.

Best Sellers

GeoBlue

A crowd favorite among our younger Latin American expats not looking for US coverage. Plans offer high benefits for a low cost. VUMI is known for their great customer support. 

This plan is common among people that want to lock in a high benefit plan, for their lower cost at a younger age.

This plan has comprehensive coverage for a lower cost. This plan is most commonly sold to people that want great benefits abroad, with a more limited network in the US to save cost. This plan is also common among mothers looking to have a baby abroad; the maternity benefits in this plan are comprehensive for the cost.

RedBridge

BMI is one of the largest Latin American-focused insurers. This plan is our "get it and forget it" plan because their customer service is so good that we rarely have to get involved. Their plans have good benefits combined with a 5-year guaranteed rate to help combat medical inflation.  This makes it a top seller for clients looking for great service at a stable cost.

This plan offers very competitive rates for the level of coverage it provides. Redbridge has a third-party network in Latin America, making direct pays very easy to coordinate during large claims. This plan is common for our expats that are starting to get priced out of the higher cost plans, and want a carrier with stable cost as they age.

All around good benefits, and for the cost it's very competitive to include US coverage. One key benefit is that renewal rates are locked in to the age that you bought the policy, meaning long term this plan will save a lot of money. i.e. if you bought at age 50, every renewal will be renewed as a 50-year-old; the only increases are for medical inflation.

This plan offers limited benefits for an exceptionally low cost at certain ages. The age-lock feature is also included for lower renewal cost in the future.  This plan is common for people that may have backup coverage in their home country like Medicare that they can rely on if limits are reached. Very price competitive for people age 50-60. Please review the conditions.

People buy this plan as they find it the perfect level of coverage for emergencies in Latin America, while still having a very competitive cost. If you are retired abroad with a proper residency visa, this is the plan for you.

This plan has no annual limits on most benefits. It is most commonly sold to our highest-net-worth clients that want a very high deductible, say 20k or 50k, but no limits to protect their assets against catastrophic claims. Also common among people who have a higher budget, say from a US employer, that can afford such a plan.

Expat Health Insurance

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FAQ

Find Answers In Some of Our Common Support Articles

Do you cover pre-existing conditions?

What ages can you insure?

Do I need to do a healthcare exam?

Do you cover the coronavirus?

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