Hi, I’m James Guzman.
Expat and Insurance Broker in San Miguel de Allende, Mexico.
Let me help you find the right policy for you and your family.
If you would like to see your options directly sent to your e-mail you can do so below.
Watch the video below to get a quick presentation on health insurance for expats and digital nomads
International healthcare is dirt cheap for minor events, but major medical emergencies can still leave you hundreds of thousands of dollars in debts. Don’t get stranded in a foreign country relying on a GoFundMe to get medical treatment or an evacuation back home. For a small price, you can get coverage that follows you wherever you are in the world.
If you are only looking for Travel or Short Term health insurance you can do that quickly and easily below.
As the founder and host of the Borderless Blog and Podcast, I am very familiar with the nomadic and expat way of life. After helping hundreds of people move, work and invest internationally I have an intimate understanding of their unique needs and challenges in these areas.
As a third culture kid, Navy brat, and serial entrepreneur from a young age I have always been comfortable with living and working in different places and with different cultures of people.
I joined the US Navy straight after high school and served four years on the USS Bataan during which time I was deployed to Operation Enduring Freedom in Iraq and Hurricane Katrina Relief. After my term was up I used the GI Bill to obtain a degree in international business from St. Louis University in Madrid, Spain. Since then I have lived and worked internationally and helped others to do the same with my blogs, podcasts, videos, and consultations.
My mission is to help entrepreneurs and investors navigate through the information age. This means staying on top of all of the new tools and business practices in our increasingly borderless world.
Reputable and Reliable Insurers
I only work with the largest insurers in the world to ensure that they have the expertise to help you wherever you are in the world. My providers all have 24/7 phone centers that will help guide you through troubling times.
I am an independent broker that stays up to date with market trends and new products. I understand that there is not a one size fits all policy for people abroad and will provide you with the best options for you.
I provide personal attention to each and every client. I work with full-time staff who file hundreds of claims a month for clients and will help you deal with any red tape which may be involved to help you maximize your benefits.
Licensed and Experienced
I work with licensed brokers that have multiple decades of experience in the insurance industry. I will be able to recommend the best coverage for the lowest cost for your unique situation.
Do you cover pre-existing conditions?
Most of our providers do NOT cover any major pre-existing conditions, at least not fully. You will most likely receive an exclusion or an increased deductible for any specific conditions you may have. We do however have a variety of insurers that accept different actuary risks and may be able to get you a more favorable offer than from other agents. If you are a US citizen, we also have one provider that may accept your conditions.
What ages can you insure?
With most major medical policies you can begin coverage up to the age of 75. Once approved you will have guaranteed coverage for life as long as you continue to pay the premiums. If you are older than 75, we do have senior-only plans available, or medical evacuation options up to the age of 85.
Do I need a medical exam?
If you are healthy and under the age of 65, you most likely will not need to do an exam. If you have an existing condition, the insurer may request medical records with a current status of the condition, or a lab test to find out the current status. If you are over 60 or 65, some of our carriers require a simple physical with tests like an EKG and blood work.
Do you cover Covid19?
Yes, the majority of our providers have waived their pandemic exclusions temporarily and are covering covid from the first day of the policy. We also have providers that do not have pandemic exclusion at all, that covered covid from the beginning of the pandemic.
What countries do our insurers cover?
We work with both global insurers that can cover you in almost any country in the world, as well as with more localized insurers that specialize in specific regions. We cannot help you if you live in a country with sanctions for trade from the United States Department of State, including countries such as North Korea, Iran, etc.