International health insurance

Remote Health covers all of Horizons’ countries. There are some countries where residents (both citizens and expats residing in the country) cannot be covered by Remote Health, due to these countries being classified as “sanctioned countries” (by the United States or the United Kingdom), and some excluded countries where Horizons does not do business. Please see the current list of ineligible countries below:

Canada (travel only)

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, Singapore, and Hong Kong, for emergency non-elective cover only. Remote Health will cover a member up to 30 days per trip, 120 days per year during their plan period. If an employee needs full coverage for travel to the US, Singapore, and Hong Kong, they may purchase the add-on, which includes 6 months travel in the US and a full year in Singapore and Hong Kong. 

Note that residents of Singapore and Hong Kong must purchase an add-on to be covered in their home countries.

SafetyWing offers insurance products specifically designed for remote workers and digital nomads, as part of their mission to build a global safety net. They specialize in providing flexible, global coverage, with a deep understanding of the unique needs of those working remotely or internationally.

As a Y-Combinator company, SafetyWing has grown rapidly and developed an impressive track record in the industry, supporting thousands of remote professionals worldwide. Their robust infrastructure and comprehensive coverage make them a reliable partner for insurances related to health, travel, and even COVID-19.

Remote Health is a private label product managed by SafetyWing and backed by VUMI Group. Our strategic partnership with SafetyWing allows us to offer our clients a discount on exceptional health coverage with the reliability and expertise that SafetyWing brings to the table.

We offer alternative comprehensive local insurance options for residents of Canada and the United States. If you’re interested in covering your employees hired by Horizons in Canada or the US, please contact our benefits team: support@joinhorizons.com

Yes, medical history is disregarded by Remote Health as long as the condition and treatment are included in the overall policy.

There is no mandatory pre-existing conditions check before the policy begins, although you may be asked about your general medical history.

Remote Health is offered as one of 3 plans, each with different coverage levels. You can choose among Standard, Premium or Premium Plus when you sign up. 

Premium offers all the base coverage in the Standard plan as well as:

Dental

Vision

Routine checkups & vaccines

No co-insurance for outpatient (i.e. non-hospital visits)

Premium Plus offers the above in addition to maternity coverage, up to US$7,500 with a 20% co-insurance.

You can also add US/HK/SG coverage to any of the above plans.

Yes, Remote Health can be useful as a top-up or supplementary coverage, 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, you receive a US$150 cash bonus per night you spend 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. If you are a nomad or traveling often, you wouldn’t need another insurance to cover your health (although it won’t cover trip delays or interruptions).

(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 Remote Health plan, we will need to receive a copy of the newborn’s 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.

The repatriation benefit covers a return ticket for you and one companion to the place from which you were evacuated for emergency medical treatment. In unfortunate cases of death, remains can also be repatriated using Remote Health.