Insurance & Financing Options
Understand the insurance, payment, and financing options that may be available for your medical travel — and how our transparent, all-in pricing helps you plan.
Insurance Coverage Options
Different types of insurance can help cover your medical tourism journey. Here's what you need to know.
Travel Medical Insurance
Comprehensive coverage for medical emergencies and treatment abroad
Coverage Includes:
- ✓Emergency medical treatment
- ✓Medical evacuation
- ✓Trip cancellation/interruption
- ✓Pre-existing conditions (varies)
- ✓Emergency assistance line
Example Providers:
Allianz, World Nomads, GeoBlue, IMG
International Health Insurance
Long-term coverage for expats and frequent medical travelers
Coverage Includes:
- ✓Routine and emergency care
- ✓Preventive services
- ✓Chronic condition management
- ✓Global network of providers
- ✓Direct billing options
Example Providers:
Cigna Global, Bupa Global, Aetna International
Medical Tourism Insurance
Specialized insurance designed specifically for planned medical procedures abroad
Coverage Includes:
- ✓Planned procedures
- ✓Complications coverage
- ✓Follow-up care
- ✓Travel expenses
- ✓Companion coverage
Example Providers:
MediTrip, Medical Tourism Insurance
US Health Insurance
Some US insurance plans may cover international treatment
Coverage Includes:
- ✓Out-of-network benefits
- ✓Emergency coverage
- ✓Pre-authorization required
- ✓Reimbursement process
- ✓Network limitations
Example Providers:
Check with your provider
Important Tips
- • Always check if your procedure is covered before booking
- • Some insurance requires pre-authorization
- • Keep all receipts and documentation for claims
- • Contact your insurance provider before traveling
- • Consider travel insurance even if you have health insurance
Financing Options
Multiple ways to finance your medical journey. Choose the option that works best for your situation.
Medical Loans
Personal loans specifically designed for medical expenses
Features:
- •Fixed interest rates
- •Flexible repayment terms (12-84 months)
- •Quick approval (often same day)
- •No collateral required
- •Can cover travel and accommodation
Min Amount
$1,000
Max Amount
$100,000+
Example Providers:
CareCredit, LendingClub, Prosper, Upstart
Credit Cards
Use medical credit cards with promotional financing
Features:
- •0% APR promotional periods
- •No interest if paid in full
- •Quick approval
- •Rewards and cashback
- •Widely accepted
Min Amount
Varies
Max Amount
Based on credit limit
Example Providers:
CareCredit, Wells Fargo Health Advantage
Payment Plans
Direct payment plans with providers
Features:
- •No credit check required
- •Interest-free options
- •Flexible terms
- •Direct with provider
- •Customizable schedules
Min Amount
Varies
Max Amount
Varies by provider
Example Providers:
Provider-specific plans
Health Savings Accounts (HSA)
Use pre-tax HSA funds for qualified medical expenses
Features:
- •Pre-tax contributions
- •Tax-free withdrawals for medical
- •Can cover travel for treatment
- •Rollover unused funds
- •Triple tax advantage
Min Amount
Varies
Max Amount
Based on HSA balance
Example Providers:
Your HSA provider
Payment Plans
Flexible payment plans available directly through Heyzl. No credit check required for most plans.
Pay in Full
Pay the full amount upfront and receive a discount
Benefits:
- ✓Best price available
- ✓No interest or fees
- ✓Simplified process
- ✓Immediate confirmation
Best for: Patients with available funds
3-Month Plan
Split your payment into 3 equal monthly installments
Benefits:
- ✓No interest (if paid on time)
- ✓Low monthly payment
- ✓Quick approval
- ✓Flexible start date
Best for: Short-term financing needs
6-Month Plan
Spread payments over 6 months
Benefits:
- ✓Manageable monthly payments
- ✓No interest (if paid on time)
- ✓More time to pay
- ✓Available for most procedures
Best for: Medium-term financing
12-Month Plan
Extended payment plan over 12 months
Benefits:
- ✓Lowest monthly payments
- ✓No interest (if paid on time)
- ✓Extended repayment
- ✓Available for larger procedures
Best for: Long-term financing needs
How It Works
- Get a quote from your chosen provider
- Ask the provider or a third-party lender about payment options
- Apply directly with them — credit and eligibility terms are set by the provider or lender
- Make your first payment to secure your booking
- Pay any remaining installments according to their schedule
Insurance & Financing FAQ
Ready to Explore Your Options?
Get a quote from a provider and see what financing options are available for your procedure.