Does the Passportcard work everywhere?

It works at most providers that accept Mastercard, but the smooth cashless experience is strongest within their direct-billing network. Outside the network you may still need to use traditional reimbursement.

Only on certain tiers or with a specific US rider, and the cost uplift is significant. If you'll be in the US for more than incidental trips, get a US-inclusive quote and compare honestly.

Will my pre-existing condition be covered?

Not by default. You must declare it during application. Passportcard's underwriters will either accept it (sometimes with a loading or exclusion), exclude it entirely, or decline the application. Don't hide anything — undeclared conditions void claims.

How long can I stay on the plan?

It's designed as a long-term renewable plan, so you can stay on it for years. Premiums adjust as you age and as the carrier reprices.

What happens if I need surgery?

For planned procedures, pre-approval is required and the carrier will arrange direct settlement or card-loading with the hospital. For emergencies, you go to the nearest appropriate facility first, then notify Passportcard.

Can I get maternity coverage?

Yes, on most tiers, after the waiting period (typically 10-12 months from policy inception — verify). Coverage limits vary by tier.

Is mental health included?

There's some coverage on most tiers but it's usually capped and may require specific referral pathways. Read the benefit schedule before assuming the level you need is included.

Can I cancel mid-policy?

Refund terms vary by jurisdiction and how long you've held the policy. Generally there's a cooling-off period at the start, after which cancellation gets pro-rated or restricted.

Passportcard

The international health insurer that hands you a debit card so you don't have to front cash at the hospital.

Passportcard is one of the few international medical insurers that solves the part of health insurance nomads actually hate: paying the bill yourself and chasing a reimbursement six weeks later. They load funds onto a prepaid card and you swipe it at the clinic.

Exploratory — partnership under review

Draft notice: This profile is a first draft pending review. Specific data points marked with {{TOKEN}} are awaiting verification before this page goes live.

Plans at a glance

Passportcard Platinum
{{PASSPORTCARD_PLATINUM_FROM_PRICE_EUR}}/month for a 32-year-old (TBC)
Long-term nomads and expats who want the most complete benefit schedule
Inpatient + outpatient + maternity (after waiting period) + broad geographic footprint
Deductible options: TBC
Passportcard Gold
{{PASSPORTCARD_GOLD_FROM_PRICE_EUR}}/month for a 32-year-old (TBC)
Mid-tier — solid inpatient + outpatient cover without paying for the highest benefit limits
Good middle-ground for healthy long-term nomads
Deductible options: TBC
Passportcard Silver
{{PASSPORTCARD_SILVER_FROM_PRICE_EUR}}/month for a 32-year-old (TBC)
Younger, healthier nomads who mostly want catastrophic and inpatient protection
Lower outpatient limits — read the schedule carefully
Deductible options: TBC

Strengths

The card actually works. This is the headline and it deserves to be: when a claim is pre-approved, funds land on the card and you pay the provider directly. No fronting €4,000 for an MRI in Bangkok and waiting six weeks for a wire transfer.
Real provider network in nomad hubs. Direct-billing partnerships in Thailand, Mexico, Portugal, Spain, the UAE and other high-density nomad locations mean the card-pays-provider flow is smooth in the places nomads actually live. {{PASSPORTCARDNETWORKSIZE_TOKEN}} providers globally per their materials.
Multi-year continuity. Designed as a long-term plan, not a travel policy. You can renew year after year and keep the same plan, which matters for chronic conditions that develop while you're insured.
Telemedicine included on most tiers. A real benefit if you're somewhere you don't speak the language and want to talk to a doctor in English before walking into a local clinic.
App-based claim flow. Submit, upload photos of receipts, get pre-approval through the app rather than email PDFs back and forth. Not revolutionary in 2026, but well executed.
Family-friendly pricing structure. Adding partners and kids tends to be reasonable relative to standalone policies (TBC, verify against current quote).

What to watch out for

USA coverage is expensive and gated. Full US coverage typically requires the highest tier or a specific rider, and the price jump is significant. If you're spending real time in the US, model the cost honestly before buying.
Pre-existing conditions are excluded unless declared and accepted. This is industry-standard, but Passportcard's underwriting can be strict. If you have anything in your medical history — even resolved — declare it and get the acceptance in writing before you pay.
The card isn't magic for every claim. Outpatient visits at small clinics, emergencies in remote areas, and any provider not in network still flow through traditional reimbursement. The cashless experience is best in their network, weaker outside it.
Maternity has a waiting period. Standard across the industry — usually 10-12 months from policy start (verify exact terms) — but worth knowing if family planning is on the horizon.
Mental health coverage varies by tier and is often capped. If this matters to you, check the benefit schedule line by line, not the marketing page.
Customer service is regional. Quality of response can vary depending on which Passportcard entity holds your policy and what timezone you're calling from. {{PASSPORTCARDSUPPORTHOURS_TOKEN}}

Who should pick Passportcard

You're a long-term nomad or expat — meaning you've left your home country for the foreseeable future, not for a six-month sabbatical. You spend most of your time in Asia, Latin America, Europe, or the Middle East, and you want a real international health plan rather than a stack of travel insurance policies. You value not having to front cash when something goes wrong, and you're willing to pay a moderate premium for that convenience. You're under 60, in reasonable health, and either don't need US coverage or are willing to pay up for it.

Who probably shouldn't

You're a US-heavy nomad spending half the year stateside — domestic US health insurance or a different international carrier with stronger US networks will likely serve you better. You have significant pre-existing conditions that Passportcard's underwriting won't accept cleanly. You're a short-trip traveler doing a few months a year — you don't need a long-term medical plan, you need travel insurance, and Passportcard isn't priced for that use case.

How claims work

For in-network providers, the flow is: contact Passportcard (app or hotline) for pre-approval, get the funds loaded on your card, pay the provider with the card, done. For out-of-network or after-the-fact claims, it reverts to a traditional reimbursement model — pay yourself, submit receipts and medical records through the app, wait for review and payment. Pre-approval before any non-emergency treatment is strongly recommended; emergencies get reviewed retroactively but you'll still want to notify them as soon as you're stable.

Support quality

Support is generally responsive during business hours in their main operating regions and noticeably patchier outside of them. The app handles the bulk of routine interactions well — claims status, card top-ups, document uploads — which reduces how often you actually need to call. For genuine emergencies they have a 24/7 line, but expect first-line agents who may need to escalate complex cases. {{PASSPORTCARDRESPONSETIME_TOKEN}}

FAQ

Our take

Passportcard is the carrier we route nomads to when they're tired of being their own insurance company — fronting bills, scanning receipts, chasing reimbursements. The card system is the genuine differentiator and it works in the places nomads actually go. It's not the cheapest, US-heavy lifestyles get punished on price, and the underwriting on pre-existing conditions can be strict, but for healthy long-term nomads who want a clean cashless experience, it's one of the best options on the market. Partner relationships evolve and we re-evaluate regularly, but as of now Passportcard is one of the carriers we currently route nomads to with confidence.

Want to see if Passportcard fits you?

Run the 3-minute matching flow and we'll tell you honestly whether this carrier is the right pick — or whether someone else fits better.

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