Global Medical & Evacuation
Domestic healthcare policies and Medicare fundamentally terminate at the United States border. When operating internationally, your medical exposure is 100% uncapped. We engineer high-limit worldwide medical coverage, private airlift evacuation, and expatriate major medical contracts.
The U.S. Border Coverage Cliff
Most Americans assume their domestic health insurance or Medicare travels with them. It does not. Original Medicare provides zero coverage outside the U.S. and its territories, and domestic commercial networks treat foreign care as non-covered out-of-network liabilities. Foreign hospitals frequently demand cash or credit card guarantees before admitting patients, and an emergency private medical evacuation flight back to a U.S. trauma center routinely exceeds $100,000 to $250,000+ out of pocket.
Emergency Medical Evacuation
Aero-Medical Transport & Repatriation
If you suffer a critical trauma, stroke, or cardiac event abroad, local foreign clinics may lack the surgical capability to treat you. We structure contracts providing up to $1,000,000+ in dedicated medical airlift coordination—transferring you via private ICU-equipped aircraft directly to the U.S. hospital of your choice.
- ■ Dedicated ICU Air Ambulance Transport
- ■ Bedside-to-Bedside Medical Escorts
- ■ Repatriation of Mortal Remains
International Major Medical
High-Limit Global Hospitalization
Comprehensive inpatient, intensive care, and surgical protection while traveling outside the United States. Deploying contracts with policy maximums up to $5,000,000, coordinating direct-pay billing arrangements with elite international hospital networks to minimize upfront out-of-pocket cash requirements.
- ■ $1,000,000 to $5,000,000 Policy Maximums
- ■ Direct Carrier Pay to Elite Global Hospital Networks
- ■ Inpatient Surgery, ICU, and Prescription Coverage
Maritime & Cruise Coverage
Open-Ocean & Island Emergency Risk
Shipboard medical facilities are classified as private out-of-network clinics with exorbitant hourly billing rates. Once a ship passes outside U.S. territorial waters, Medicare and domestic plans shut off. Our maritime riders cover offshore emergency infirmary care and ship-to-shore helicopter extractions.
- ■ Cruise Ship Infirmary Fee Indemnification
- ■ Private Maritime & Island-to-U.S. Airlift Logistics
- ■ Port-of-Call Trauma Center Transfer Coverage
Expatriate & Global Executive
Annually Renewable Worldwide Healthcare
Designed for multinational founders, digital nomads, and seasonal expats spending months outside the United States. Continuous, comprehensive major medical coverage operating seamlessly across the U.S. and over 180 countries, complete with routine preventive care and global PPO doctor networks.
- ■ Annually Renewable Global Major Medical
- ■ Dual-Domestic & International PPO Access
- ■ Chronic Condition & Routine Wellness Management
*Travel medical insurance provides emergency protection for unexpected illnesses and traumatic injuries sustained while outside your home country. Pre-existing medical conditions may be subject to look-back exclusion periods unless an eligible pre-existing condition waiver is bound within required underwriting windows prior to departure.
*Heritage Hills Insurance Brokerage, LLC is an independent agency representing authorized surplus lines and international health insurers. Policy terms, exclusions, and evacuation coordination protocols are governed by specific contract provisions.
Secure Your International Exposure
Single-trip policies and multi-trip executive annual plans can be bound instantly online prior to international departure.