Simple, Transparent Pricing
Coverage that fits your budget. No hidden fees, no surprises. Just honest protection when you need it most.
$100-200/month
Age-based pricing with no sudden increases
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Family Discounts
Save 15% when you add family members
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Price Lock Guarantee
Your rate is locked for 12 months. No surprises, no sudden increases.
One-Time Application Fee
$50 application fee due with first payment. Renewals have no application fee.
Compare Plans
Choose the coverage level that fits your needs and budget
| Features | EssentialFor basic emergency needs From $100/mo | RECOMMENDED PremierComprehensive protection From $150/mo |
|---|---|---|
| Plan Maximum | $100,000/year | $250,000/year |
| Deductible | $5,000 per incident | $1,000 per incident |
| Coverage Period | Earlier of 30 days OR stabilization | Earlier of 30 days OR stabilization |
| Policy Duration | 12 months (renewable) | 12 months (renewable) |
| Age Limits | 18 to 84 years | 18 to 84 years |
| Hospital Room & Board | $20,000 ($15k pre-ex) | $30,000 ($20k pre-ex) |
| ICU Coverage | $2,500/day (up to 30 days) | $3,500/day (up to 30 days) |
| Hospital Miscellaneous | $20,000 ($15k pre-ex) | $20,000 ($15k pre-ex) |
| Surgeon Fees | $20,000 ($15k pre-ex) | $30,000 ($20k pre-ex) |
| Physician Visits | $150/visit (Unlimited during admission) | $200/visit (Unlimited during admission) |
| Specialist Consultations | $400/visit (Max 2 per specialty) | $500/visit (Max 2 per specialty) |
| Emergency Diagnostic Testing | $5,000 per incident | $7,500 per incident |
| Prescription Drugs | $250 per incident | $500 per incident (no annual limit) |
| Physical Therapy | $100/visit (Max 10 per incident) | $150/visit (Max 10 per incident) |
| Medical Evacuation | 100% - Full AirMed membership | 100% - Full AirMed membership |
| Family Flies Free | Yes (on same aircraft) | Yes (on same aircraft) |
| Choose YOUR Hospital | Yes (US/Canada destination) | Yes (US/Canada destination) |
| Repatriation of Remains | Included with AirMed | Included with AirMed |
Important: This is Emergency Coverage
Coverage Period: Maximum 30 days OR until medically stabilized (whichever comes first)
Pre-Certification Required: 48-hour notification required (50% penalty if not obtained)
Primary Insurance Required: Must maintain coverage in home country. Expat Guard pays excess over primary insurance.
Coverage Area: Outside USA/Canada, 100+ miles from border
Not sure which plan to choose?
Choose Essential if:
- You're young and healthy (under 40)
- You have good health coverage at home
- You want basic emergency protection
Choose Premier if:
- You're over 50 or have health conditions
- You want lower out-of-pocket costs
- You value comprehensive coverage
Pricing FAQs
Everything you need to know about our pricing and plans
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