About Seguros360
What is Seguros360?
Seguros360 is a wholesale platform for international private medical insurance (IPMI) that connects agents and brokers with the best insurers in the LATAM region. We offer fast, transparent quotes with no hidden commissions, allowing insurance professionals to access quality international medical coverage for their clients.
In which countries does Seguros360 operate?
We operate across the LATAM region, including Venezuela, Colombia, Mexico, Argentina, Chile, Peru and more. Our network of international insurers guarantees access to world-class medical coverage for entrepreneurs, digital nomads, executives and families who need international medical protection.
How can I contact Seguros360?
You can reach us in several ways: send an email to quotes@seguros360.com, write to us on WhatsApp at +1 (305) 610-5355, or use the quoting tool at seguros360.com/en/get-a-quote/. Our team replies in under 24 hours with personalized quotes.
Is Seguros360 a regulated broker?
Yes, Seguros360 operates as a wholesaler of international insurance with professional credentials in the insurance sector. We represent globally renowned insurers such as VUMI, Best Doctors, American Fidelity, BUPA Global and EVER Health.
International Private Medical Insurance (IPMI)
What is International Private Medical Insurance (IPMI)?
An IPMI is a health insurance policy that provides medical coverage in multiple countries, designed for expats, digital nomads and international companies. It offers access to quality hospitals, clinics and doctors in the LATAM region and worldwide, with coverage that includes doctor visits, hospitalization, medication and specialized procedures.
What is the difference between IPMI and travel insurance?
IPMI is comprehensive, long-term medical coverage (12 months or more) for permanent or temporary residents abroad, with high coverage limits and continued access to medical professionals. Travel insurance is temporary (days/weeks) and designed for emergencies during holidays, with more restrictive coverage and limits. IPMI is ideal for those who move or work internationally.
Who should take out an IPMI plan?
IPMI is perfect for: entrepreneurs and freelancers in LATAM, digital nomads, executives on international assignments, expat families, international students, retirees living abroad, and companies seeking medical coverage for their global employees.
What does a typical IPMI plan cover?
Standard IPMI plans include: general and specialist doctor visits, hospitalization (private/shared room), surgeries and procedures, prescription medication, laboratory tests, imaging (X-rays, CT scans, MRI), basic dental (depending on the plan), maternity, and access to international networks of doctors and hospitals.
How much does an IPMI plan cost?
Costs vary by age, desired coverage and insurer. At Seguros360 we offer options from American Fidelity (basic budget) to BUPA Global (premium coverage). The premium depends on your age, country of residence, area of coverage and deductible: get a free quote with us to see your exact price.
Are there exclusions or pre-existing-condition rules in IPMI plans?
Yes, IPMI plans typically exclude pre-existing conditions during the first 12 months of coverage (some plans offer a waiver), cosmetic procedures, and certain experimental treatments. Each insurer has its own policy. At Seguros360 we explain all exclusions when you request a quote.
The Cotizador / Quoting Process
How does the Seguros360 Cotizador work?
It’s simple: send an email to quotes@seguros360.com with the basic information (age, country of residence, desired coverage), and our Cotizador automatically compares the prices of 5 international insurers (VUMI, Best Doctors, American Fidelity, BUPA Global, EVER Health) in a matter of minutes. You will receive a professional comparison with all the quotes side by side.
How long does it take to receive a quote?
With the Cotizador, you typically receive the quote in under 5 minutes. Our AI engine processes your request automatically, compares 5 insurers simultaneously, and generates a professional document showing plans, prices, coverage and the key differences between each option.
Is there a cost to use the Cotizador?
No. The Cotizador is completely free. There are no quoting fees, no platform charges, and no obligation to buy. Request as many quotes as you need at no cost.
Can I customize the quote to my needs?
Absolutely. In your email to quotes@seguros360.com, specify: age range, country of residence/coverage, maximum budget, specific medical needs (maternity, dental, etc.), and any other preference. Our Cotizador tailors the plans to show you exactly what you need.
What is the difference between the 5 plans the Cotizador offers?
VUMI: Regional insurer with solid coverage for LATAM. Best Doctors: Focus on expert second opinions, specialized network. American Fidelity: Affordable budget option, robust basic coverage. BUPA Global: Absolute premium with unlimited coverage, concierge and wellness. EVER Health: Emerging insurer, competitive in LATAM, fast-growing.
Coverage and Plans
What is the maximum coverage in IPMI plans?
Maximum coverage varies by insurer. BUPA Global offers unlimited coverage (no ceiling), while other insurers offer annual limits between $500,000 and $2,000,000. When you get a quote with Seguros360, we show you the exact limit of each plan so you can compare.
Do the plans include dental and vision coverage?
It depends on the plan chosen. Some basic plans (such as American Fidelity) include limited dental benefits (cleanings, extractions). Premium plans (BUPA Global, Best Doctors) offer more complete dental coverage, including orthodontics in some cases. Vision coverage (glasses, contact lenses) also varies. The Cotizador details this for each insurer.
Is maternity covered in IPMI plans?
Yes, most Seguros360 insurers cover pregnancy and childbirth (with waiting periods of 9–12 months). Coverage includes prenatal care, vaginal/cesarean delivery, pediatric care for the newborn, and obstetric complications. Some plans offer enhanced maternity coverage. Confirm when requesting a quote.
Is there a waiting period before coverage takes effect?
Yes, there is generally a waiting period of 30 days before coverage begins after the policy is approved. This means planned treatments must take place after this period (although medical emergencies are usually covered from day 1). Some specific treatments (maternity, pre-existing conditions) have longer waiting periods (9–12 months).
Can I change plans if my situation changes?
Yes. Most insurers allow plan changes annually or when there are significant changes in your life (relocation, job change, family). At Seguros360 we can help you review and update your coverage whenever necessary. Send an email to jb@seguros360.com to request a coverage review.
For Agents / Brokers
How can I become a Seguros360 agent?
Seguros360 is always looking for professional brokers and agents in LATAM. If you have experience in international insurance or IPMI, get in touch with our recruitment team. We offer competitive commissions, advanced sales tools (such as the Cotizador), and comprehensive support to close quotes.
What commissions does Seguros360 offer its agents?
Commissions vary by volume and insurer, but we operate under a transparent model with no hidden commissions. Agents receive commissions for each policy issued, with the possibility of performance bonuses. Contact us at jb@seguros360.com to discuss customized commission structures.
What sales tools do I get as an agent?
As a Seguros360 agent, you will receive: access to the Cotizador (automatic quoting tool), marketing and educational materials (brochures, videos, presentations), training on IPMI and our insurers’ products, technical and sales support, and access to an agent portal with commission information, reports and client management.
Are there training courses for agents?
Yes. We offer Academia 360, a continuing-education program for agents covering topics such as: IPMI fundamentals, each insurer’s features, sales strategies, regulations and best practices. The courses are online, self-paced, and offered in Spanish.
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