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Our integrated suite of online services facilitates a comprehensive search and review of leading insurance companies.

International Health Insurance

If you are a missionary, student, travel the world or are an emigrant looking for U.S. coverage, we can help. We work with all the major International Health and health insurance companies like:

HTH, HCC, IMG and Petersons. These excellent companies provide vital protection for your family or group, including war zone coverage and terrorist coverage.

WARNING: Not all International Health Plans offer comprehensive coverage, understand what your plan really covers BEFORE you need it. Whatever you need for your travels around the world or your relocation, we can help.

We offer International Global Medical insurance for expats, emigrants, immigrants and Americans traveling abroad as well as high risk insurance. We also offer travel insurance for short and long stays for both groups and individuals as well as:

For in-depth coverage details call 704 999-0105 to find out which company and coverage is right for your situation. If you prefer, you can click on the icons and check out the plans yourself. Either way, you can apply online for most plans quickly and easily no matter where in the world you are.


“Janet gave me and my family a great deal of help when we were looking for health insurance when our family was planning our US move. She met with us and demonstrated great depth of knowledge on the subject of US health insurance for the international community. Janet laid before us a focused plan with plenty of options without us being bamboozled by trivia. We were therefore able to make a decision fairly easily for our family.

US health insurance is a minefield when you first come to the US and finding insurance that does what you want and will not break the bank would not have been possible for me without the expert help that Janet provided.“

P. Ingram

"I contacted Janet a couple of months before my family and I was due to arrive in the USA from England. Coming from a country where we have a national health service understanding the US medical system was a real concern for me and I wanted to be sure I had the right coverage at a good price. Janet was incredibly helpful in answering my many questions and giving advice on the nuances of the policies available. She went over and above her remit in ensuring we had the best policy to suit our needs and I cannot recommend her services enough. For anyone coming into the US for the first time…let Janet take some of the stress out of the process."

R. Beardsley


Travel med insurance can be live-saving

International Health Travelers assume their regular health insurance goes, too, but it often doesn't cover everything.

By Lindsey Tanner
Associated Press
Posted: Sunday, May. 16, 2010

CHICAGO Plane tickets, check. Passport, check. Medical evacuation insurance? It's probably not something most people think about when packing for a vacation.

But Louise says she'd probably be bankrupt without it. The University of Wisconsin library educator and her husband, Robby, were in southwest China last summer when Robby slipped and fell backward on a hotel walkway made of the region's famed red marble.

Their regular health insurance covered many expenses, but not flying him home on a jet specially equipped for transporting critically ill patients and medical equipment. The cost exceeded $100,000.

"We would have been lost" if not for the medical evacuation insurance, Louise said.

With summer vacation season approaching, experts say there are several ways international health can protect themselves against medical emergencies - from registering in advance with the State Department, which can help locate doctors abroad and arrange emergency medical flights, to buying supplemental insurance or stand-alone medical evacuation policies.

Thousands of American travelers each year are flown home with medical assistance because of health emergencies. Car accidents and heart attacks are among the most common reasons.

A 21-year-old California woman died last year after her insurance company initially said its emergency coverage wouldn't pay to fly her home from China when she developed a blood disorder, according to her family's lawsuit. The suit, claiming wrongful death and breach of contract, says the company relented too late. Anthem Blue Cross, the insurer, disputes the claims.

Travelers should check their policies to see what kind of expenses are covered, Most will pay for emergency care outside the United States - but for leisure travelers that often doesn't include medical evacuation.

The federal Centers for Disease Control and Prevention recommends considering supplemental health insurance, including medical evacuation, if your existing policy is lacking.

According to the U.S. Travel Insurance Association, another trade group, Americans increasingly have been buying travel insurance; more than $1billion was spent in 2008. Most covered things like unexpected trip cancellations - disruptions caused by the erupting Iceland volcano have prompted a flurry of recent business. But growth also has been strong in policies covering medical emergencies and evacuation, the group says.

Short-term policies typically cost about 4 percent to 8 percent of the total per-person trip price. The travel insurance trade group has a list of member companies on its website, where it also offers tips. The State Department's website also has a link to medical evacuation companies.

Louise and Robby, longtime travelers, had paid about $250 for a supplemental insurance policy before their China trip. Robby, a 79-year-old retired college professor, slipped on the rain-slicked marble tile in China on July 21. His head hit the ground, but he got up and seemed OK, so they boarded a tour bus heading into the mountains. Robby quickly became ill, vomiting and complaining of sinus-like pain. No one knew yet that his brain was bleeding.

The nightmare that followed included a trip down the mountain in a makeshift van-ambulance to a hospital where no one spoke English. Doctors drilled holes into Robby's skull and removed a huge blood clot. He was flown by air ambulance to Hong Kong for more surgery; then back to the United States.

The supplemental insurance ended up covering Robby's multi-leg trip home, including arranging for several flights with medical experts on board. Robby never recovered, however, and died Dec. 9.

Lynda’s medical emergency last summer almost ended the same way. The sales executive from Bel Air, Md., fell ill with what she thought was heat exhaustion on the last day of a Dominican Republic vacation with friends to celebrate milestone birthdays, including her 60th.

Soon she developed breathing problems and went into cardiac arrest. Doctors revived her, but she remained in a coma for three days. Lynda awoke at a hospital in Florida, where she had arrived via a medical flight arranged by Medex, the same company that handled Robbys' flights. The company arranged for Lynda's flight with a nurse and helped her husband, who doesn't speak Spanish, deal with Dominican doctors.

The expenses totaled more than $15,000, but were covered by health insurance her employer provides - a benefit she didn't know about in advance. Lynda had also bought extra travelers' insurance.

U.S. doctors found and removed a tongue cyst they thought might have contributed to the breathing problems, and Bruner is doing fine.

"Once they saw my experience, everybody says they will not go out of the U.S. again without" traveler's health insurance, Lynda said. Even if you never need it, she said, "just that sense of security" is worth it.