HELP CENTER
Frequently Asked Questions
Everything you need to know about international health insurance — for clients and for agents. Can’t find your answer? Message us on WhatsApp.
For clients
Policyholder Questions
Coverage, quotes, deductibles, claims and more.
What is international health insurance (IPMI)?
International health insurance (IPMI, International Private Medical Insurance) is a private health policy that covers you at home and abroad, with access to top-tier hospitals and clinics worldwide. It’s ideal for individuals, families and companies that want healthcare without borders, whether they live, travel or relocate internationally.
What does an IPMI plan cover?
Depending on the plan, coverage usually includes hospitalization, surgery, outpatient care, emergencies, medical evacuation, maternity, prescription drugs and more. Each insurer offers different levels and limits. In our comparison tool you can see, in plain language, exactly what each plan includes before you decide.
How do I get a quote?
In minutes and 100% online. Go to our comparison tool, enter your country, age, type of coverage and deductible, and instantly compare plans from the leading international insurers. No sign-up, no phone calls and completely transparent.
What is the deductible and how do I choose the right one?
The deductible is the amount you pay yourself before the insurer starts paying. A higher deductible lowers your monthly premium (and vice versa). The ideal choice depends on your budget and how much risk you’re willing to take on. In the comparison tool you can try different deductibles and see the effect on the price instantly.
Does the insurance cover care in the United States?
It depends on the plan. Some offer free choice of doctors and hospitals in the U.S., while others cover care through a specific network. In the comparison tool and in every quote we clearly show each plan’s type of U.S. coverage.
Do you cover pre-existing conditions?
Each insurer handles pre-existing conditions differently: some cover them after a waiting period, others with specific exclusions. It’s one of the most important points to review — that’s why we guide you personally to find the plan that best fits your medical history.
Can I insure my whole family?
Yes. You can get a quote for individual, couple or family coverage (including children). In the comparison tool you add each member’s age and get an estimated premium for the whole group.
Which countries do you cover?
We quote plans in 43 countries across Latin America, the United States and beyond. Most plans offer worldwide coverage, with options that include or exclude the U.S. depending on your needs and budget.
How do I file a claim or get reimbursed?
We support you through the entire process. Most insurers allow direct payment to the hospital within their network, or reimbursement if you paid upfront. Our team guides you step by step so your claim is fast and hassle-free.
Which insurers do you work with?
We represent 6 top-tier international insurers: VUMI, Best Doctors, Bupa, American Fidelity, EVER and BMI. This lets us compare them objectively and recommend the best option for your case.
How much does international health insurance cost?
The price depends on your age, country of residence, type of coverage, deductible and insurer. That’s why comparing is the best approach: in our comparison tool you see the real price of each plan in minutes, with no commitment.
Do I need to make a call or book an appointment to get a quote?
No. You can compare and get a quote on your own, in minutes, from the comparison tool. And if you’d like personalized advice, an expert advisor is available on WhatsApp whenever you need one.
For agents
Agent Questions
Join our network, commissions, tools and onboarding.
How do I become a Seguros360 agent?
It’s simple and 100% digital. Apply from our Become an Agent page: you fill out a short onboarding form, upload your documents, and our team guides you through signing contracts and getting appointed with the insurers.
What commissions does Seguros360 pay?
We offer competitive commissions based on the number of policies you write per year (Starter, Professional, Elite and Partner levels), on both new policies and renewals. Message us for the commission details by level and insurer.
Which insurers can I offer as an agent?
Access to our portfolio of top-tier international insurers: VUMI, Best Doctors, EVER, BMI, American Fidelity and more, depending on your profile and current agreements.
Do I need a license to sell?
Licensing requirements depend on your jurisdiction and the type of product. During onboarding we review with you what you need for your market so you operate in compliance.
What is the onboarding process like?
You register in the digital assistant, upload your ID and documents, we select your commission level, and your contracts with the insurers are generated for e-signature. The whole flow is online and our team supports you at every step.
Do I get tools to quote and compare?
Yes. As an agent you get access to our professional comparison tool, which quotes plans from all the insurers in minutes, generates a branded quote for your client and sends it directly — all from one place.
How do I access my account / agent portal?
Log in to your portal at portal.seguros360.com/login, where you manage your quotes, clients and tools.
Do you offer training?
Yes. With Academia 360 you get training on international health insurance, each insurer’s products and sales best practices, so you close more and better deals.
How do I issue a policy?
From the quote you can start the application and issuance with the insurer. Our operations team reviews the application and submits it to the relevant insurer, supporting you all the way to issuance.
Ready to get started?
Compare plans in minutes or join our agent network — your health and your business, without borders.