We work with the 6 best carriers in international health insurance
Over a century of combined experience, AA+/A+ financial strength, hospital networks in more than 100 countries. A single quote, the best IPMI options on the market.
One platform, the best insurers in the world
At Seguros360 we represent the 6 most recognized international private medical insurance (IPMI) carriers worldwide. Each with its unique strength: brands with almost 80 years of history, premium networks present in more than 100 countries, and differentiated benefits such as Best Doctors’ Centers of Excellence that waive the deductible on your first hospitalization or surgery of the policy year. Presence in LATAM with Spanish-first service, and sustained growth backed by top-rated reinsurers.
Spanish-first
“Always forward, always caring for you”
- Experience 100% in Spanish end-to-end (web, portal, chat, support)
- Domicile Commonwealth of Barbados — strict regulation
- 3 plans: AF Health Superior, Optima and Vital
- AF Care: telemedicine + mental health + nutrition + 24/7 chat
- Worldwide coverage with a US network for specialized treatments
36 years
“Excellence in service for a better life”
- Bermuda Class 3B — full equivalence to Solvency II
- Reinsurance RGA AA-/A+/A1 (95%+ quota share)
- Direct alliances with Centers of Excellence — zero deductible on your 1st hospitalization or surgery of the policy year (coordinated with BD Patient Services, direct payment)
- Solvency Ratio 224% · 93% renewal rate
- InterConsultation®: a panel of 53,000+ specialists
LATAM
International coverage with a LATAM focus
- Specialized in the Latin American and Caribbean market
- Individual and corporate products
- Global network of medical providers
- Multilingual support
- Worldwide coverage with flexible plans
Premium Global
“Healthcare designed to fit your world”
- ~80 years of medical experience (founded 1947)
- The largest network in the world: 2 million+ providers
- Multilingual support in 190 languages
- Blua digital platform + second medical opinion via Teladoc
- No shareholders: reinvests profits into healthcare
Momentum
“Always caring for you, with a human touch”
- Reinsurance Lloyd’s of London A+ AM Best (highest rating)
- 56,000+ insured lives · 96% persistency rate
- Assets managed by J.P. Morgan Chase Wealth Management
- 6 plans from $1M up to unlimited coverage
- 10 global offices · LATAM and Caribbean focus
LATAM Leader
“International health insurance with VIP service”
- HQ Puerto Rico — NAIC accredited regulator
- Audit Financial statements audited by an independent firm
- 137,762+ insured
- US$134.7 million paid in claims (Sep 2024–Aug 2025)
- Access to 7,000 hospitals in 100+ countries
- 93.8% renewal rate · 12,800+ agents
- Source: VUMI Corporate Profile 2026-2027
- No bank debt
- Regional presence: Canada, Europe, Ecuador, Panama and Dubai
Solid insurers. Your health in the best hands.
At Seguros360 we represent only insurers with proven backing. Best Doctors Insurance closed its 2026 fiscal year with figures that speak for themselves:
Mayo Clinic
Cleveland Clinic
Baptist Health
Our method
How we evaluate an insurer before recommending it
Representing an insurer is easy. Standing behind one is another matter. These are the four filters we apply, and we apply them again every year.
FILTER 01
Who regulates it
We verify the insurance supervisor that authorizes it and its accreditation. An insurer with no recognized regulator does not make it onto our platform.
FILTER 02
Its audited statements
We request the financial statements audited by an independent firm, read them, and compare what they say against what the insurer communicates publicly.
FILTER 03
Who carries the risk
We review how much risk the company retains and how much it transfers to reinsurance. Both decisions are valid; what is not valid is not knowing.
FILTER 04
How it pays in practice
A solid balance sheet is useless if the claim isn’t paid. We track each insurer’s real behavior on the claims of our own policyholders.
And a rule we apply to ourselves: if we can’t back up a figure, we don’t publish it. We’d rather tell you less and have everything we say be verifiable.
Some of this information reaches us under confidentiality agreements with the insurers, so we cannot always publish specific figures. What we can tell you is that we review them. This page describes our evaluation method and does not constitute a guarantee of solvency or of claims payment by any insurer.
Why quote with Seguros360?
One single platform. The 6 best IPMI carriers in the world. Specialized advice in Spanish.
Quote in 90 seconds
A smart quoting tool that compares the available options from all 6 carriers in under a minute. No long forms, no obligation.
Regulated and audited carriers
Every insurer we recommend is regulated by a recognized supervisor and publishes audited financial statements. We review those statements before recommending it.
Real worldwide coverage
Access to provider networks in more than 100 countries. In the United States, a broad network with top-tier hospitals such as Baptist Health, Jackson Memorial, Mount Sinai and NYU Langone depending on the plan selected. In LATAM, Hospital Alemán, Hospital Italiano and Fundación Santa Fe.
100% Spanish-language advice
Our team understands the specific needs of the LATAM market. We support you from the quote through the activation of your policy.
Total independence
We don’t represent a single insurer exclusively. We recommend the best option for your profile, not the one that suits us most.
Ongoing support
After-sales support: claims management, renewals, plan upgrades, and the annual 360 Coverage Review at no cost.
Compare the 6 carriers in 90 seconds
No obligation. No sensitive personal information. Just basic data so you can see the available options and choose, with peace of mind, the one that best fits you and your family.
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Join the Seguros360 agent network
Access the 6 premium IPMI carriers with a single integration. Automated quoting tool, competitive commissions and dedicated support.
Get to know each insurer in detail
Full information, plans and how to quote with each international insurer we represent: