Your Policy Explained
Everything you need to know about your coverage, eligibility requirements, and how your policy works when you need it most.
Bridge Coverage
Fills the gap between local care and home country insurance
Simple Eligibility
Clear requirements for US & Canadian expats in Latin America
Transparent Terms
No hidden clauses or surprise exclusions in your coverage
Check Your Eligibility
Answer a few quick questions to see if you qualify for Expat Guard coverage
Are you a US or Canadian citizen?
Required for coverage
Do you currently reside in Latin America?
Required for coverage
Do you maintain health coverage in your home country (US/Canada)?
Required for coverage
Are you between 18-84 years old?
Required for coverage
Will you be in Latin America for more than 30 days?
Required for coverage
Coverage Details
Emergency medical expenses & evacuation - 100% covered after deductible up to policy maximum
Essential Plan
$100,000
Maximum Benefit
Emergency Medical Expenses
Up to the Policy Maximum Selected
100% covered after $5,000 deductible
Subject to per-service limits below
Premier Plan
$250,000
Maximum Benefit
Emergency Medical Expenses
Up to the Policy Maximum Selected
100% covered after $1,000 deductible
Subject to per-service limits below
Essential Plan
Deductible: $5,000
Maximum Coverage
$100,000
How Coverage Works
Emergency Occurs
Call our 24/7 hotline immediately for medical emergencies. We'll coordinate your emergency care and stabilization.
Get Stabilized
Receive emergency stabilization treatment locally. Coverage ends when you're medically stable or after 30 days, whichever comes first.
Evacuation Home
Once medically stable, we arrange evacuation via AirMed to your home country for continued treatment under your primary insurance.
View comprehensive coverage details, limits, and exclusions
Ready to Get Protected?
See your exact premium based on age and get covered today
Calculate Your PremiumChoose YOUR Hospital Evacuation
Our included AirMed membership flies you home to YOUR doctors, YOUR hospital, YOUR support system
🌟 Why Our Medical Evacuation is Different
The Evacuation Advantage - Why AirMed Matters
Scenario: Serious injury in Costa Rica requiring evacuation
| Scenario | With Expat Guard | Without "Choose Your Hospital" |
|---|---|---|
Hospital Destination | YOUR choice of hospital in US/Canada | Nearest "adequate facility" (likely Miami) |
Medical Necessity | NO - stable enough to fly = eligible | Insurance company decides if "necessary" |
Type of Transport | Private medical jet OR commercial with medical escort | Commercial flight only when available |
Family Accompaniment | Family flies FREE on same aircraft | Family must buy own ticket + hotels |
Service Level | Bedside-to-bedside (ground ambulance both ends) | Airport-to-airport only |
Number of Transports | 2 per year | Often limited to one per lifetime |
Real Example: The Difference It Makes
With Expat Guard
- ✓ Stabilization in Costa Rica covered (after deductible)
- ✓ YOU choose evacuation to YOUR home hospital in Denver
- ✓ Private medical jet arranged
- ✓ Your spouse flies FREE on same aircraft
- ✓ Ground ambulance both ends included
- ✓ Fully covered (unlimited benefit)
- Result: Home with your doctors & support system
!Without "Choose Your Hospital"
- ○ Stabilization covered (after deductible)
- ○ Insurance company sends you to Miami (their choice)
- ○ Commercial flight if space available
- ○ Spouse pays own airfare + hotels in Miami
- ○ Taxi/ambulance costs separate
- ○ Subject to policy limits ($500K-$1M typical)
- Result: Stranded far from home
"They'll strand you in Miami. We'll fly you home to Denver."
This is the Expat Guard difference.
Additional AirMed Benefits Included
Mortal Remains Transport
Return to home funeral facility
24/7 Medical Resources
Worldwide medical referrals and contacts
Urgent Message Relay
Family/employer communication
Cruise Ship Coverage
Yes - after shore hospitalization
Unlimited evacuation to YOUR hospital included in both plans
See Pricing for This CoverageHow Benefits Work - Real Examples
See exactly how coverage works in different emergency scenarios
Scenario: Heart Attack Emergency (No Prior Heart Conditions)
Member experiences sudden heart attack in Panama, requires ICU, surgery, and recovery before evacuation home.
Essential Plan ($5,000 deductible)
| Air Ambulance to Hospital | $5,000 |
| Hospital ICU 5 days | $12,500 |
| Surgery | $20,000 |
| Regular room 5 days | $5,000 |
| Specialist consultations (3) | $1,200 |
| Emergency diagnostics | $3,000 |
| Physical therapy (8 sessions) | $400 |
| Emergency medications | $250 |
| Total Bill | $47,350 |
| You Pay (Deductible) | $5,000 |
| Plan Pays | $42,350 |
Premier Plan ($1,000 deductible)
| Air Ambulance to Hospital | $7,500 |
| Hospital ICU 5 days | $17,500 |
| Surgery | $30,000 |
| Regular room 5 days | $5,000 |
| Specialist consultations (3) | $1,500 |
| Emergency diagnostics | $3,000 |
| Physical therapy (8 sessions) | $600 |
| Emergency medications | $500 |
| Total Bill | $65,600 |
| You Pay (Deductible) | $1,000 |
| Plan Pays | $64,600 |
Policy Terms & Conditions
Important requirements and limitations you need to know
Waiting Period
48 hours from effective date
Pre-Certification Required
48-hour notification required for all hospitalizations - 50% penalty if not obtained
Maximum Coverage Period per Incident
Earlier of: 30 days OR medical stabilization achieved
Medical Stabilization Definition
Coverage ends when: stable vitals 24hrs, no immediate danger, can travel home safely, or discharged 48hrs
Coverage Area
Outside USA/Canada (100+ miles from border). No coverage in home country.
Additional Policy Terms
This is Supplemental Emergency Coverage
Expat Guard is emergency medical and evacuation insurance designed to supplement, not replace, your primary health insurance. You must maintain coverage in your home country. Expat Guard pays benefits in excess of your primary insurance.
Pre-Existing Conditions
All pre-existing conditions are excluded except for acute onset emergencies
Medical Emergency & Stabilization
Coverage is for medical emergencies requiring immediate attention to prevent serious health jeopardy. Coverage ends when you are medically stabilized (vital signs stable for 24 hours, no longer in immediate danger, fit for commercial travel) or after 30 days, whichever comes first.
Acute Onset (COVERED)
Permanently Excluded
Pre-Existing Definition
Have questions about your specific condition?
Contact Medical Review TeamUnderstanding Chronic Conditions vs. Acute Onset
Real examples showing what's covered and what's not
To Qualify as Covered Acute Onset, ALL Must Be True:
- Condition was stable/controlled for 120+ days before the incident
- No recent medication changes or doctor warnings about travel
- Sudden onset requiring treatment within 24 hours
- Could not have been reasonably anticipated
- Not a gradual worsening over days/weeks
Diabetes
Routine Care (NOT Covered)
- • Daily insulin/medications
- • Blood sugar monitoring
- • A1C tests
- • Routine endocrinologist visits
Acute Onset (COVERED)
- ✓ Diabetic coma
- ✓ Severe hypoglycemia requiring ER
- ✓ Diabetic ketoacidosis
Why It Qualifies
Sudden, unexpected despite stable control
Hypertension
Routine Care (NOT Covered)
- • Daily blood pressure medications
- • Routine BP monitoring
- • Medication adjustments
- • Regular doctor visits
Acute Onset (COVERED)
- ✓ Hypertensive crisis
- ✓ Stroke
- ✓ Acute heart failure
Why It Qualifies
Emergency onset without warning
Heart Disease
Routine Care (NOT Covered)
- • Cardiac medications
- • Stress tests
- • Routine cardiologist visits
- • Scheduled procedures
Acute Onset (COVERED)
- ✓ Heart attack
- ✓ Sudden cardiac arrest
- ✓ Acute arrhythmia requiring ER
Why It Qualifies
Acute event despite stable condition
Asthma
Routine Care (NOT Covered)
- • Maintenance inhalers
- • Peak flow monitoring
- • Allergy medications
- • Pulmonologist visits
Acute Onset (COVERED)
- ✓ Severe asthma attack requiring ER
- ✓ Respiratory failure
- ✓ Status asthmaticus
Why It Qualifies
Sudden severe exacerbation
COPD
Routine Care (NOT Covered)
- • Bronchodilators
- • Oxygen therapy
- • Pulmonary rehab
- • Routine breathing treatments
Acute Onset (COVERED)
- ✓ Acute respiratory failure
- ✓ Severe exacerbation requiring hospitalization
Why It Qualifies
Rapid deterioration requiring emergency care
Kidney Disease
Routine Care (NOT Covered)
- • Routine dialysis
- • Kidney function tests
- • Medications
- • Nephrologist visits
Acute Onset (COVERED)
- ✓ Acute kidney failure
- ✓ Dialysis emergency
- ✓ Severe electrolyte imbalance
Why It Qualifies
Sudden crisis in stable patient
Example: COVERED
A member with controlled diabetes for years suddenly develops diabetic ketoacidosis in Mexico requiring emergency hospitalization.
✓ Meets all criteria: Stable 120+ days, sudden onset, required immediate ER treatment, unpredictable
Example: NOT COVERED
A member's COPD gradually worsens over 2 weeks until they need hospitalization for breathing difficulty.
✗ Gradual progression, not sudden onset, could have been anticipated, no 120-day stability
Have questions about your specific condition?
Contact Medical Review TeamMajor Exclusions
Understanding what's not covered helps avoid surprise claim denials
✓ Terrorism & COVID-19 ARE Covered
Unlike many insurance policies, Expat Guard covers both terrorism-related injuries and COVID-19 treatment as any other emergency medical condition. This is an important benefit in today's world.
Home Country & Geographic Exclusions
Type of Care Excluded
Pre-Existing Conditions
Dental & Specialized Care
Maternity & Pregnancy
High-Risk Activities
Important Policy Notes
48-Hour Notification Required: Contact us within 48 hours of hospitalization or face a 50% penalty on benefits.
90-Day Claims Deadline: All claims must be filed within 90 days from date of service.
Primary Insurance Required: You must maintain health insurance in your home country. Expat Guard provides emergency coverage when you're outside your primary insurance area.
This is a summary of major exclusions. Please review the complete policy certificate for full details. Coverage terms, conditions, and exclusions apply.
Understanding What We Are (and Aren't)
Clear transparency helps you make the right insurance decision
We're Not Travel Insurance
Not Us:
- • Trip limitations (30-90 days)
- • Destination restrictions
- • Coverage gaps between trips
- • Designed for temporary visitors
We Are:
- Annual renewable coverage
- Continuous protection
- No trip length limits
- Designed for permanent expats
We're Not International Health Insurance
Not Us:
- • Comprehensive primary coverage
- • Routine & preventive care
- • Thousands per month in premiums
- • Duplicates home country benefits
We Are:
- Emergency coverage only
- Supplements home insurance
- Affordable monthly premiums
- Fills the gap you actually have
We're Emergency Response & Repatriation
Our Focus:
Expat Guard Limitations
Understanding our limitations helps set proper expectations
Coverage Scope
- • High deductibles only ($5,000/$1,000) - Catastrophic coverage focus
- • 30-day/stabilization maximum - Coverage ends when stable or 30 days
- • Emergency care only - No preventive, routine, or follow-up care
Service Limitations
- • Limited pharmacy - Emergency medications only, per incident
- • Per-incident limits - Visit and service maximums reset per emergency
- • Direct billing - Limited availability (Guarantee of Payment issued)
Eligibility Requirements
- • 100-mile border exclusion - No coverage near US/Canada border
- • Primary insurance required - Must maintain home country coverage
- • Annual renewal required - New application each year (continuous coverage credit available)
Important Note
This is a summary of coverage. Full policy details, terms, and conditions will be provided upon enrollment. Coverage is subject to underwriting approval and may vary based on your location and health status.