Clear answers to common questions about our international private medical insurance, coverage, and services
Best Doctors Insurance offers long-term international health insurance that provides access to high-quality healthcare both within and outside your country of residence. These plans are designed to support members continuously, covering a wide range of medical needs—from consultations to complex treatments—depending on the selected plan.
Best Doctors Insurance is available to residents of Latin America, the Caribbean, and Canada, subject to local regulations. Individuals, families, and companies within these regions can apply for coverage. Eligibility, terms, and premiums depend on factors such as age, medical history, and the underwriting evaluation.
International health insurance is a comprehensive, renewable coverage that includes hospitalizations, treatments, and ongoing medical care. In contrast, travel insurance is temporary and focused on emergencies during a specific period and therefore does not replace a full health insurance plan.
Beyond reimbursement for medical expenses, many plans include services such as InterConsultation® second medical opinion, case management for complex conditions, concierge support for treatment abroad, telemedicine, and assistance with Letters of Guarantee for hospitalizations.
InterConsultation® is a second medical opinion service that allows you to have your diagnosis and treatment plan reviewed by internationally recognized specialists. After you submit your medical records, a team of experts analyzes your case and issues a report that you can discuss with your treating physician.
Individual Case Management offers personalized support for members with complex or long-term conditions. A dedicated medical team coordinates with your treating doctors, helps interpret medical information, and supports you throughout the course of treatment.
Best Doctors Concierge™ assists members who need to travel outside their country of residence for treatment. The team can help coordinate medical appointments, hospital admission, and, in some cases, travel logistics and translation services, according to the conditions of your plan.
Yes, many plans include telemedicine, which lets you consult with a doctor by phone or video for many non-emergency conditions. In some plans, telemedicine may not apply to the deductible, but always check your benefits to confirm how it works for you.
Policies generally cover hospitalizations, surgeries, emergency care, medical consultations, diagnostic tests, specialized treatments such as oncology, and in many cases, medications. Specific benefits, limits, and conditions are defined in each plan’s Table of Benefits.
Coverage for pre-existing conditions is determined through the medical underwriting process. Depending on the evaluation, certain conditions may be covered, excluded, or subject to special terms or waiting periods. Any applicable conditions will be clearly specified in the policy.
Cancer treatment is a core part of our coverage: eligible diagnostics, surgery, chemotherapy, radiotherapy and other oncology treatments are typically covered up to the limits of your plan. Some plans offer 100% coverage for cancer care, subject to policy conditions.
Yes. Some benefits, such as maternity or certain procedures and treatments, may have waiting periods before they become available. These are clearly defined in the policy.
Medications related to covered conditions are typically included, either during hospitalization or as an outpatient benefit, depending on the plan. Over-the-counter medications are generally not covered.
Yes, in most cases you can choose your doctor or hospital within your plan’s area of coverage, subject to policy conditions and prior coordination when required.
This depends on the selected area of coverage. Some plans include coverage in the United States, while others may exclude it or have specific conditions for its use.
Yes. When the provider accepts direct payment and the service has been coordinated in advance, Best Doctors Insurance can arrange direct payment to the hospital or clinic.
If you paid for a covered medical service, you can request a reimbursement by submitting the required documentation, including itemized invoices, proof of payment, and medical reports. Claims can be submitted through the member portal or mobile app. If you need assistance, you can contact bdservice@bestdoctorsinsurance.com, and the team will guide you through the process.
Processing time depends on the complexity of the case and whether the documentation is complete. Simple cases may be resolved within a few weeks, while more complex cases may take longer.
You should go immediately to the nearest medical facility. Once stabilized, you or a family member should notify Best Doctors Insurance as soon as possible so the case can be coordinated. Notification is required within 48 hours of the emergency.
Yes. In an emergency, you can go to any hospital. Afterward, it is important to contact Best Doctors Insurance to coordinate the case and avoid issues with coverage.
Many plans cover ground and/or air ambulance to the nearest appropriate medical facility when medically necessary and ordered by a physician. In some plans, this benefit is covered at 100% up to a specified limit; always refer to your Table of Benefits for exact conditions.
A Letter of Guarantee is a document issued by us to a medical provider confirming that an insured person is covered and that we will pay eligible expenses directly up to certain limits. For many hospitalizations and surgeries, we can issue an LOG once we have the required clinical and financial information.
Services such as hospitalizations, surgeries, specialized treatments, and high-cost procedures generally require prior authorization.
You must send complete medical information (diagnosis, reports, tests, treatment plan, and provider details) to precert@bestdoctorsinsurance.com. It is recommended to submit the request at least 3 to 5 business days in advance.
The service may not be covered or may be subject to reduced benefits. Additionally, the review process may be longer since it will require retrospective evaluation.
Policies are renewed annually, provided the contract conditions are met. Premiums may be adjusted based on factors such as age, claims usage, and plan conditions.
Changes such as deductible adjustments, coverage modifications, or adding dependents are handled at renewal and may require additional evaluation.
You must contact Best Doctors Insurance and submit medical information, provider details, and estimated dates so the team can evaluate the case and coordinate care.
If the provider accepts direct payment, Best Doctors Insurance can pay directly. Otherwise, you may pay and then request reimbursement.
You must send an email to pharmacy@bestdoctorsinsurance.com with a valid prescription, updated medical report, and delivery details. The estimated coordination time is 5 to 10 business days.
You can choose to prepay the deductible to activate coverage or purchase the medication and request reimbursement later, depending on your plan.
