Moving to Latin America? Your U.S. health plan probably won't follow you.
Most American expats find out the hard way — at a doctor's office in Medellín or Mexico City, learning their U.S. plan doesn't cover them.
We're here to help you avoid that moment.
ZenMed Advisors is a bilingual, independent insurance agency, and we're expanding to serve U.S. expats living in Latin America — especially Colombia. We help you understand your international coverage options before you go, in English or Spanish, with the same calm, no-pressure guidance we bring to every client.
Join the expat waitlist — be first to know when we open Or grab our free guide: Your U.S. Health Plan in 4 Scenarios
Or
🌎 We're onboarding expat clients soon. International health coverage is a specialized product line, and we're completing our carrier appointments now so we can serve you properly — not just quickly. Join the waitlist and you'll be the first to know the moment we open. In the meantime, our free guide will help you understand your options today.
The reality nobody explains before you move
Most U.S. health plans do not cover you outside the United States — except in very specific emergencies, for short periods, and with many exclusions.
This includes:
ACA (Marketplace) plans
Original Medicare (Parts A and B)
Most Medicare Advantage plans
Many employer-sponsored plans
Move without solving this first, and you're effectively uninsured the day you land. The good news: you have real options — and they're more affordable than most people expect.
Which expat are you? 4 common scenarios
1. Temporary move (under 6 months). International traveler's or short-term expat insurance — covers emergencies and basic care, supplements your U.S. plan rather than replacing it.
2. Indefinite or permanent move (not yet on Medicare). A full international health insurance plan for expats — coverage in your destination country and often globally, with some plans keeping U.S. access for visits.
3. Retired or on Medicare. This is where it gets complicated — Medicare does not cover you abroad. You'll weigh a local plan in your destination, an international expat plan, or keeping Medicare only for U.S. emergencies. (Whatever you do — don't cancel Medicare without understanding the lifetime penalties.)
4. Residency or dual citizenship. Access to the local public system plus a complementary private plan — often the most affordable route if you qualify.
Not sure which one you are? Our free guide walks through all four — and when we open, we'll help you choose.
Why expats will choose ZenMed Advisors
We speak the language — on both sides of the border. Fully bilingual, English and Spanish, with a real cultural bridge to Latin America.
We're independent. We're not tied to one carrier. When we open, we'll compare international plans and recommend what fits your life abroad.
We understand the move. We're not a faceless international broker. We're a family-run agency that gets the realities of living between two countries.
We won't rush you. No pressure, no spam. Join the waitlist and you'll hear from us when we have something real to offer — not before.
Be first in line when we open
Tell us a little about your situation, and we'll reach out the moment we're ready to help — with options matched to where you're going and when.
No pressure, no spam — just a heads-up when we open, and our free guide in the meantime.