Frequently Asked Questions

International Health Insurance

View our page on international health insurance for more information. All of our frequently asked questions about our policies are listed below.
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Application Process
How do I apply for a policy?
At what age am I eligible for a policy?
Can I retain my insurance past the age of 74?
Why is there an application fee?
Can I pay monthly, quarterly, or semi annually?
What are the main differences between the Care and Select policy?
Must I disclose all my health issues or conditions when I apply?
How long does underwriting take?
Must I take a health exam?
If I purchase a plan for Mexico does it work in other countries?
What does the travel rider cover?
Can I add a maternity/travel rider after purchasing a policy?
Are the prices listed in USD?
Is there a percentage increase to policies year by year?
Will my policy get more expensive as I get older?
Can they single me out to increase my premiums if I have future claims?

Coverage
What countries are covered by your policies?
Am I covered immediately?
What deductible amounts do you offer?
What pre-existing conditions are covered?
What hospitals are covered under your policies?
Are these policies ACA or ,”Obamacare”?
Is wellness covered?
How long may I remain in the US and have coverage?
Do the plans have a deductible per event or for all of your health insurance costs?
Are deductibles calendar year, policy year, or per event?

Claims Process
How do you file claims?
What is pre-certification?
How are claims handled?
If I have a major claim, will I have to pay the total bill and wait to be reimbursed?

How do I apply for a policy?

The process for our long term health insurance is quick and easy
1. Fill out an online application
2. If over the age of 65, complete an APS form with your doctor.
3. Wait for underwriting to review application and make offer.
4. Accept and pay first premium.

You can apply for a long term health plan by filling out an application here
WeExpats.com/ApplicationLong

At what age am I eligible for a policy?

Policies can be issued at birth for new borns and up to the age of 74 years old.

Can I retain my insurance past the age of 74?

Yes

Once you purchase the policy, you may keep it for life. The policy is guaranteed renewable, subject to the terms of the policy.

Why is there an application fee?

This is to pay for the doctor to review your medical history and apply any exclusions if any need apply.

Can I pay monthly, quarterly, or semi annually?

Yes, but there is an additional charge for more frequent charges. Monthly +20%, Quarterly +15%, Semi-annual +10%.

What are the main differences between the Care and Select policy?

The care policy is more restrictive and has reimbursement limits for inpatient and outpatient coverage. Select offer more substantial coverage. Please review the plan limits and restrictions prior to purchasing the plan.

Must I disclose all my health issues or conditions when I apply?

Yes, when in doubt, we always recommend disclosing the condition, illness or accident. This assures that any future claims will not be denied due to being deemed preexisting. Failure to do this can result in a cliam being denied or even the policy terminated.

How long does underwriting take?

In general, it takes about 10 business days, depending on your health history.

Must I take a health exam?

You will only need to take a health exam if your are older than 65 years old, or if underwriting request more test based on your provided medical history.

If I purchase a plan for Mexico does it work in other countries?

Yes your policy works in over 195 countries, including the United States if you select coverage for it. Two common countries that are not covered is Cuba and North Korea. Please contact us for an up to date list Contact

What does the travel rider cover?

The travel rider is an optional travel policy within the medical policy. The travel rider covers up to 10k USD for any illness or accident without having to make your deductible. This policy works when you are outside of your insured ‘home’ country Click here to see a detailed explanation and policy terms.
Policy Breakdown

Can I add a maternity/travel rider after purchasing a policy?

Yes, but it would have to be during policy renewal.

Are the prices listed in USD?

Yes. All of the costs in the brochure, and on the quote are stated in USD.

Is there a percentage increase to policies year by year?

Yes there is an average 6% raise year to year to match the inflation of medical costs.

Will my policy get more expensive as I get older?

Yes, health insurance pricing is based on individuals grouped in 5 year age categories. For example, individuals that are 60 to 64 of the same sex pay the same rates. Once you, “age” into the next age category, there is an increase in premiums. This can be about 30%. This is in addition to the annual price increase. We can estimate your future premiums, based on what current year clients of that age pay.

Can they single me out to increase my premiums if I have future claims?

No, you may not be individually singled out for a price increase due to your claims.

What countries are covered by your policies?

Over 195+ countries are covered by the policy, US coverage is optional on the policy, North Korea and Cuba are excluded. Please message us for an up to date list

Am I covered immediately?

The WEA Policy contains a thirty (30) day Waiting Period,

during which only infection originated diseases and

Accidental Injuries occurring by the first time within this

period will be covered. This may be waived with proof of prior private coverage for 12 months. ( sorry medicare of socialized plans ie Canadian, do not qualify.)

What deductible amounts do you offer?

We offer $250, $500, $1,000, $2,500, $5,000 deductibles.

What pre-existing conditions are covered?

Unfortunately, our policies do not cover pre-existing conditions. The insurance company will review your application. The company may issue the policy and restrict coverage or impose limited coverage for the preexisting condition.

What hospitals are covered under your policies?

If you’re in the United States and chose US coverage, our policies are part of the United Healthcare network.
Here is a link to view coverage in the United States.
For the rest of the world, any hospital or doctor that is licensed and certified is capable of being used.

Are these policies ACA / “Obamacare”?

No, the polices are not ACA qualified. Please check with your tax advisor how you may be able to opt out of the requirement.

Is wellness covered?

NEED TO REwrite

How long may I remain in the US and have coverage?

You may remain in the US for up to 6 out of 12 months and have US. coverage.

Do the plans have a deductible per event or for all of your health insurance costs?

Deductible are for all your health insurance cost for the entire year. Once you surpass your deductible for the year, you will not need to pay anymore.

Are deductibles calendar year, policy year, or per event?

They are per policy year.

How do you file claims?

You can file your claims through us to help ensure your claim gets filed correctly. Please visit our claims page for more information.

What is pre-certification?

Pre-certification is the act of letting the insurance company know of any future medical operations that are being preformed. This is done to help protect you to make sure all operations are FDA compliant and that the hospital is staying within UCR cost (Usual, Customary, and Reasonable).

How are claims handled?

If I have a major claim, will I have to pay the total bill and wait to be reimbursed?

Travel / Trip Insurance

View our page on travel insurance for more information. All of our frequently asked questions about our policies are listed below.
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What age can it be issued to?
What are the policy limits
What does it cover?
Will policies cover pre-existing conditions?
Is there any underwriting?
Can I purchase a travel policy as an American if I go back to the US as a visit?

What age can it be issued to?

We can issue policies up to the age of 85.

What are the policy limits?

Limits depend on your age, typical policy will cover up to $1,000,000

What does it cover?

The policy focuses on medical expenses for unexpected illnesses or accidents. Most policies also offer coverage for unexpected travel expenses like lost luggage or missed connections.

Will policies cover pre-existing conditions?

In general, the policies have very little or no coverage for pre-existing conditions. Carefully review your policy terms for any conditions you may have.

Is there any underwriting?

No, they do not have any underwriting. But be aware that if you have a claim, the company will request your medical history to make sure no pre-existing conditions existed. We always stress the importance that if you have a pre-existing condition it will not be covered.

Can I purchase a travel policy as an American if I go back to the US as a visit?

Yes, if you qualify for the policy terms. In general all policies want to make sure you do not reside in the United States, and have been outside the United states for 6 or more months, some policy require a primary health plan such as an international health policy. Contact us to review your specific condition for this type of travel. Also post policy limits are only 30 days.

Medical Evacuation

View our page on medical evacuation for more information. All of our frequently asked questions about our policies are listed below.
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Where does the policy cover?
Are there any age limits?
Are pre-existing conditions covered?
What needs to happen in order to be evacuated?
How will you be evacuated?
Where will I be evacuated to?
What air ambulance company will be used?
Won’t my credit card or travel insurance policy cover this?

Where does the policy cover?

The coverage works worldwide.

Are there any age limits?

No there are no age limits on this policy.

Are pre-existing conditions covered?

After 30 days you have full coverage for any pre-existing condition you may have.

What needs to happen in order to be evacuated?

You must be in patient hospitalized and stabilized enough to be evacuated to your home country. If you are not stable enough to fly, you will not be evacuated.

How will you be evacuated?

It depends on the severity of your conditions. The three ways you are typically evacuated are:
1. Commercial Airline
2. Commercial Airline with Escort
3. Air ambulance (private jet)

Where will I be evacuated to?

It will evecaute you to your home that you designated.

What air ambulance company will be used?

The company we use owns their own air ambulance unlike most of the competitors that bid out.

Won’t my credit card or travel insurance policy cover this?

Check your terms and conditions. For most policies, we find that they only evacuate to the closest facility that can treat you properly.

Medical Tourism

View our page on medical tourism for more information. All of our frequently asked questions about our policies are listed below.
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Why would I buy a policy like this?
How long does it cover?
What other type of expenses will the policy cover?
What is the medical expense limit?
What age can this be issued for?
What is the coverage area?
How will the expenses will be paid?

Why would I buy a policy like this?

To protect you during unexpected complications that may arise during the surgery or treatment.

How long does it cover?

You can choose anywhere between 1-30 days in which a complication can arise. Once the complication is identified in the time frame, it will be covered up to one year.

What other type of expenses will the policy cover?

Please review a summary as additional travel expenses and delays will be covered.

What is the medical expense limit?

Pp to $50,000 USD

What ages can this be issued for?

Between ages 18 and 65.

What is the coverage area?

Currently offered in Mexico, Columbia, and Argentina. Asian countries are currently being reviewed, send us a request for your specific case to see if we can get it covered.
No coverage for America or Canada

How will the expenses will be paid?

Payments will be attempted to be made directly to the hospital and doctors, and if necessary through reimbursement.

General

View our page about our company here.
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How long have you been in business?
How many clients do you have?
Where do most of your clients live?
How many employees do you have?
Where are you incorporated?
When you help me get insurance, is it purchased directly through your company?
Is it alright if I deliver cash to your office to pay for my policy?

How long have you been in business?

Our firm was established 6 years ago, but we have been in the insurance business for 30+ years.

How many clients do you help insure?

We currently help service around 400 clients.

Where are your clients mostly located?

Most of our expats live in Latin America, but we have clients worldwide.

how many employees do you have?

Our full time staff includes 6 people. With another 4 brokers around the globe.

Where is your company incorporated?

We are a corporation based and licensed in the United States.

When you help me get insurance, is it purchased directly through your company?

No, we are a broker that helps sell insurance for larger providers. We help get your application and payments submitted, as well as help with renewals and claims for you.

Is it alright if I deliver cash to your office to pay for my policy?

Unfortunately no, only our insurance providers can accept your payments. We can however help you figure out other options to get them your money.