:: global insurance coverage does not have to be complicated. our job is to share our knowledge and provide you unbiased and impartial advice. below are questions asked by many of our questions. Feel free to email us more at anytime.

1. Why do I need global insurance?

Typically health insurance plans do not cover you outside the country where you purchased the plan. That is, on a comprehensive level. Our plans are not travel plans, they are designed for comprehensive coverage in most countries in the world.

2. Who is eligible for coverage?

Global insurance is reserved for people residing or working outside their country of residence.

3. What is the age limit to apply?

Most plans will accept applications up to the age of 65. Some go up to 69. Some 84. We will advise you on what companies can cover you if you are over 60 years of age.

4. Can my family members be covered?

Yes of course. Your spouse or same sex partner can be covered as long as you are permanently living together. A same sex partner is considered a "dependent" on most policies. Children can be covered if they are living with you and under 18. Grown children can also be covered if they are under 23, living with you and attending school full time.

5. What is the difference between an excess and a deductible?

A deductible is an amount that must be paid before the insurer contributes to paying a claim. An excess works like what we know as a co-pay here in the USA, you pay it once for every course of treatment.

6. Can I cancel my policy once I enroll?

Yes, all companies have a cancellation period. Typically it is 15 days.

7. Will I be covered for any medical conditions I've suffered from in the past?

Typically no. Most companies will have you complete a medical questionnaire where you will declare your medical history. Then the insurer will underwrite you and decide if your conditions can be covered. In general, pre-existing conditions are not covered during the first two years. This is standard on domestic plans as well.

8. How can I pay my premium?

Credit cards are accepted, checks and money orders. All monies are paid directly to the plan provider or insurer, not us.

9. Is maternity coverage available?

Some plans include it, some others offer it as a supplement.

10. Is dental coverage available.

This is an add-on. We can advise you on this benefit and its cost.

11. Once I choose a deductible or a level of coverage, can I change it at anytime?

No, you may only make changes upon your renewal date which is one year after your effective date.

12. What is the difference between comprehensive coverage and standard?

Standard coverage only includes hospitalizations. Therefore doctor office visits are not covered. Comprehensive coverage typically includes preventative care, routine annual visits, etc.