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ExPat Major Medical Insurance Covers Americans / Canadians Living Abroad

August 13, 2012 By Catherine Burdine

Most U.S. health plans do not cover Americans or Canadians living abroad.  American Insurance for Expats offers a major medical, U.S. style health insurance policy with major differences: Worldwide coverage; medical evacuation options; on-line access to file claims and reach a customer service representatives, 24/7.

The typical U.S. managed care network in which you receive a lower negotiated rate for using in-network providers (HMO or PPO), does not exist in most other countries.  When you live abroad, there is often no network and so you can go anywhere you want.  However, where do you go in a foreign land?

This is where an international major medical insurance policy significantly helps when you need it most.  International health insurers  essentially create their own referral network of doctors, hospitals and medical professionals in more than 180 countries around the globe.  Since health care outside the U.S. is significantly less, negotiated rates are not the primary function of international insurers, but providing a referred doctor or hospital is, along with direct electronic billing in multiple currencies.

In addition to establishing direct pay relationships, the insurer’s network provides a local physician referral service that can prove invaluable for expats who may not even speak the language.

Having a health insurance provider abroad is an invaluable service when you need it.  Locating local doctors and hospitals, billing assistance in the native language and medical care translations are services international health care insurance provides.

Filed Under: Expatriate Life, Major Medical Information Tagged With: Americans living abroad, international health care insurance

International Major Medical Health Insurance

Are you living abroad full or part time and concerned about critical illness or accident coverage? If you spend six months a year or more outside your home country, you qualify for international major medical insurance.  The six months do not have to be consecutive and you do not have to report your comings or goings.  In the event of a claim, your stamped passport is proof of your travels should the claim … Find Out More

Medical Travel Insurance

American Insurance for Expats offers Medical Travel Insurance. Coverage is per day or per month.  Choose your length of time, your policy limits and your deductible. No medical underwriting, coverage starts as soon as the next day. Click Here to Apply Now! You have enough to worry about when you're traveling. Don't let your medical coverage be an uncertainty. Our international travel insurance offers excellent … Find Out More

Vacation Travel Insurance

Protect Your Hard Earned Money  Our Vacation Travel Insurance is designed to provide essential coverage for trip cancellation, travel and baggage delays as well as emergency medical treatment. Vacation travel insurance is perfect for U.S. residents taking international or domestic vacations. Even the best laid plans have to be changed sometimes due to circumstances beyond our control.   Vacation Travel insurance … Find Out More

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