There are thousands of international health and travel insurance companies offering a variety of products and services. Most are similar. You want to make sure you review the terms and conditions of the product they are offering and the financial strength of the underwriter behind the plan. We have carefully chosen recommended plans from top international health and travel insurance companies and put them side by side for you to review and compare. If you need additional guidance, our staff can walk you through the differences and advantages of one plan vs. another.
Considerations When Comparing Travel Insurance Plans
Review and Compare the Benefits and Exclusions
The most important factors are the benefits (what is covered) and exclusions (what is not covered). The benefits and exclusions should be laid out in detail for you to review. Although two companies may offer a similar benefit amount, if you review exclusions, one provider might exclude coverage for certain benefits that are not excluded by the other. Therefore, you should review both the benefit and exclusions in the plan details. Ask us for a copy of the “policy certificate” and “plan rules” which will provide a comprehensive list of all benefits and exclusions.
International Insurance Company / Plan Administrator
Who is the company behind the plan? In most cases, you will be interacting with the plan administrator should you need to file a claim or receive assistance while abroad. Try calling the plan administrator’s customer service or claims phone number and see what kind of response time you get from their call center. We have screened all of the plan administrators listed on this site to ensure quality customer service.
Underwriter and Ratings
Although the company administering the plan is important for customer service issues, they typically utilize an underwriter to back the plans they offer. The underwriter is the organization backing the insurance plans financially. All plans listed on InternationalInsurance.com are highly rated and financially stable. If you are not sure, you can visit AMBest to review the current ratings of specific underwriters.
Customer Service and Claims Processing
Here, we have done some of the work for you. The plans we include on our site are top quality plans with excellent customer service. Our goal is to make sure all of our clients are well taken care of by the plan administrator. To be honest, it reduces work for us and ensures we get repeat business as well as referrals from satisfied customers.