With the dizzying array of international health insurance and personal protection products marketed by countless companies, we offer the unique service of independent consultation. We have researched the various insurers and represent only those companies which are publicly traded and financially stable or those with high credit ratings, awarded by independent agencies such as A.M. Best, Standard & Poor’s and Duff & Phelps. We are constantly on the lookout for new players in the field.

Insurance plans must also pass our rigorous litmus test of minimum benefits. Certain essentials must be included in the policies as well, such as lifetime renewability in regard to long-term medical coverage. This feature ensures that GC policy holders will not have their coverage terminated in the future due to a prolonged illness or after reaching a certain age. Most international medical policies do not include this benefit - a most frightening prospect and a potential financial disaster.

We analyze our clients’ particular needs and typically present them with two competing policies: a comprehensive high-benefit plan alongside a more economical basic-benefit plan. This ensures that our clients can meet their various needs and budgets. All consultations are free of charge, regardless of whether any business is underwritten as a result. And with the Instant Quote service, our recommendations are provided within seconds of receiving the necessary information.

We do not charge our clients a fee. Whether or not you choose one of our policies, our consultations remain free of charge. Should you choose to sign up for coverage, our commission will be obtained directly from the insurer.

Despite the temptation of higher commission rates, Global Cover has refused to become an exclusive agent of any one international insurer. Acknowledging that no single insurer is ideally suited for every potential client, we act as independent agents, which enables us to offer a broad - and unbiased - range of products.

As your independent consultant, we are not tied to any one insurer, thus guaranteeing our exclusive loyalty to you, the client. While causing our insurers some unease by providing competing plans, we insure that our clients’ needs are best addressed. You could call us a one-stop international insurance center.