Horizons Health in 

180+ Countries

Horizons international health insurance covers all of Horizons’ countries. There are some countries where residents (both citizens and expats residing in the country) can not be covered by Horizons Health, due to these countries being classified as “sanctioned countries” (by the United States or the United Kingdom); or due to local regulations not permitting Horizons Health to carry on business there. Please see the current list of ineligible countries:

Canada (short trips permitted)
the United States (short trips permitted)
Abu Dhabi
American Samoa
Belarus
Iran
North Korea
Puerto Rico
Syria
United Arab Emirates
Cuba
Democratic Republic of Congo
Saudi Arabia
Somalia
US Guam
South Sudan
US Virgin Islands
Zimbabwe
Sudan

Once a member is covered, they can go anywhere in the world on long or short trips, with the exception of a 30-day limit in the United States, Canada, Singapore, and Hong Kong. If a trip to the US, Canada, Singapore, or HK lasts longer than 30 days, then an add-on may be purchased. Note that residents of Singapore and Hong Kong must purchase an add-on to be covered.

Yes, pre-existing conditions are always covered by Horizons Health, no questions asked.

There is no mandatory pre-existing conditions check before the policy begins.

“Add-ons” are additional benefits employees can add to their plan for a surcharge. When you sign up, you have the option to include the following add-ons:

Dental
Vision
Maternity
Standard Screenings & Vaccines
Outpatient (i.e. non-hospital visits)
US/HK/SG coverage

Yes, Horizons Health is still useful international health insurance, no matter what sort of health system your country of residence has.

(i) In countries with public systems (for example: the UK, Norway, Germany)

Visit any private hospital for the best and quickest service. Skipping lines means getting healthy faster and returning to work quicker.
If your hospital treatment is covered by your public healthcare system, your receive a $250 cash bonus per night you’re in a public hospital in your home country.
Access treatments that are typically not provided by standard public healthcare, for example the latest available cancer treatment regimens.
Use this coverage wherever you live, move, or work so you if you are a nomad or traveling you don’t need another insurance to cover your health.

(ii) In countries without public systems (for example: Vietnam)

You can get coverage at the best hospitals in your country of residence or nearly any other country in the world. Without it you would pay out of pocket for any medical care.

Yes. To add a newborn as an Insurance Dependent on your Horizons Health scheme, we will need to receive a copy of the newborns birth certificate within the first 90 days of birth.

After the deadline for adding a newborn passes, you may still attempt to add your child by submitting an application for dependent addition.

Yes, there are two ways to add dependents or family members to your insurance plan.

(1) Add your dependent/family member during your initial application process

OR

(2) As life changes occur (marriage, childbirth, or adoption), submit an application for dependent addition. Your application will be quickly processed.