In this Google Hangout, Mark Sequeira, the Director of Marketing, and Doug Gulleson, the Vice President of Good Neighbor Insurance, discuss which insurance carriers are best for volunteering abroad, overseas non profits, NGO jobs, and aid workers/relief work, and why. An important part of choosing an international health insurance plan is why Good Neighbor Insurance likes and recommends a particular volunteer insurance carrier or plan for our clients’ protection overseas.
We have pre-selected more than a few great international insurance carriers, because each is the best at what they do. Each international insurance company that we work with fits a clients’ needs within the spectrum of international travel and volunteer insurance. In fact, we can cover nearly every reason you travel regardless of your destination, your age, or your work. We even cover extreme sports including those that few people ever do. We have international travel insurance for Gap year, voluntourism, and business trips, whether once a year or if you return multiple times throughout the year (annual low-cost multi-trip insurance for frequent fliers). We also offer international trip cancellation insurance. We have worldwide long term career health insurance for expatriates residing abroad or those assigned overseas in NGO jobs for 12 months or more. All of our international travel health insurance plans provide medical evacuation insurance.
We can also offer those volunteering abroad or working overseas in an NGO job other types of volunteer insurance, such as international term life insurance. Good Neighbor also has other insurance plans for personal property, kidnap and ransom, personal liability, personal disability, and accidental death and dismemberment (otherwise known as high limit accident insurance). We have outstanding options for international athletes and extreme sports insurance. For international organizations we provide many types of group insurance including group health insurance, group term life insurance and other supplemental group insurance! We also provide team travel insurance for international organizations sending out teams or groups of people.
Here is some information about the companies we work with:
IMG: IMG is one of the top insurance companies that we represent. We have been working with them since 1997. They are particularly good on claim processes. The short term international travel health insurance plans are the best at what they do. These plans have strong essential benefits for a low premium, which always includes adequate medical evacuation insurance. Overall they have a wide variety of coverage and premiums to fit many interests. They offer great volunteer insurance for volunteers going overseas.
Azimuth: A smaller company that we have been working with since about 2010. They are exceptional at their long term career health insurance plans, including some of the best options for international maternity insurance.
WEA: Like Azimuth, WEA is a smaller company that is nimble, able to listen to clients, and change to provide the needs that our international travelers and expatriates are looking for. We started with them in the fall of 2013, even though they have been around longer than Azimuth. WEA, IMG and Azimuth are the best international insurance options for international NGOs, Non profits, and other types of organizations. A couple of amazing things is that their medical evacuation and claims are all done “in house”, with claims processing being available online.
Seven Corners: We have known them since 1997, like IMG. They provide great coverage for international organizations using contracted travel insurance for short term teams. They also offer great coverage for individuals and families, such as for furlough insurance or trip cancellation.
GeoBlue: We received a call from GeoBlue in 2000, and have had an incredible relationship ever since. They have outstanding service, and are the higher tier of coverage with the premium that comes with it. For example, their long term career health insurance plans have unlimited coverage in the U.S. They recently partnered with Blue Cross Blue Shield to become GeoBlue, and Bupa also owns part of GeoBlue, so they have a huge presence with their coverage network in the U.S., as well as outside the States!
Bupa: They are a great company who are very popular is Europe. On their international travel health insurance plan , there is no deductible with unlimited benefits, including minimal sports exclusions to cover almost anything even when it is professional. They also provide the option to add trip cancellation, as well as strong personal liability.
* We no longer offer Travel Guard due to restrictions they have added per traveler and state of residence.
HCC: Their international travel insurance plans are great with the individual and family plan, Atlas International, and for teams and groups of people needing international travel insurance, Day Tripper.
Global Rescue: This is a company that solely provides coverage for medical evacuations and transportation, including security evacuations for high risk areas. They are expensive, but you are paying for the best medical transportation regardless of where you are, as long as they know where you are.
Hiscox: They are a great company that we work with for certain niche markets.
Petersen International Underwriters: An exceptional company with strong coverage for individual international term life insurance with coverage for war and terrorism, accidental death and dismemberment (AD&D) or high limit accident. They also have specialized underwriting in certain niche markets.
Clements: They are also a great company that has international term life insurance, and more affordable than PIU. However they do not have the same exclusive benefits that PIU has.
For group health insurance:
WEA, IMG, and Azimuth: These companies are all along the same lines who match the interests and budget for many NGOS, Non profits, and faith-based organizations. They are also great for smaller groups.
GeoBlue: Continues to have strong health benefits, you can have ACA compliant insurance with BCBS in States, and this all comes with a higher premium.