We live abroad and we want international health insurance for our family. While companies that provide international health insurance are many, we wanted something that provided some key options:
Reasonably good coverage (of course!)
A track record of good service to customers (see reviews)
A high deductible option,
Coverage inside and outside the U.S.,
Inexpensive, money-saving rates
We searched around, talked to fellow expatriates and discovered some options. Below is a break down on what we found.
(UPDATE!) After reviewing a number of options, we chose to go with IMG but after a good year and a half of using them they increased their costs for the maternity rider by some 60%. So we dropped them and switched to a Guatemalan insurance that includes coverage in the States for when we visit. Now we use Seguros GyT.
WARNING: This may be the U.S. Embassy but validation takes time. Get there before 12 noon and you can probably get it at 2:30 that afternoon. Get there in the afternoon and you’ll have to go back the next day. Oh, and each validated copy will cost you US$50. They do accept credit cards if you don’t have the cash.
Criminal background check (This must be less than 6 months old when you turn it in and will require you to get things done in the U.S. so plan accordingly.)
NOTE: If your US passport is going to expire in the next year, I recommend that you get to Guatemala and immediately apply for a passport renewal BEFORE you start this process. (It only takes about 10 days to get your new passport from the embassy.) I had to go back through part of the process since my passport expired shortly after we got the permanent visa stamp. Keep your old passport to show the entry date to the immigration office.
Guatemalan Residency Visa Options
According to our lawyer and other sites there are three main long-term residency visa options (not including student, diplomatic, etc.) Since we just had our baby here in Guatemala, we opted for the Parents of Guatemalan child option. While others are available, I have listed three main options here: Continue reading →