Health Insurance

ZaraLC · 2025-07-10T03:41:57+02:00

Explore flexible health insurance options for covering both Puerto Rico and the U.S. mainland, ideal for new residents traveling frequently.

ZaraLC New member

Member since 10 July 2025

ZaraLCNew member10 July 2025 01:41:57

Hi everyone,

My husband and I are relocating to Puerto Rico in just a few weeks, and we鈥檙e excited to begin this new chapter! We've recently learned that our current health insurance from the mainland U.S. won鈥檛 cover us while we鈥檙e living on the island.

We're currently exploring health insurance options that offer comprehensive coverage in both Puerto Rico and the continental U.S.. We'll be spending about half the time on the island and the other half traveling back and forth to the States, so we鈥檙e looking for something flexible. We鈥檙e open to premium plans if needed.

We鈥檇 really appreciate any recommendations, thanks in advance for your help!

Cheryl Moderator

Member since 15 October 2018

CherylModerator10 July 2025 07:59:11

13869

Hello Zara LC,

Welcome to 禁漫天堂馃榾

Thank you for asking your question here.

You can request a free quote from one of our health insurance partners by visiting this link: /en/insurance/cent 鈥� erto-rico/

All the best,

Cheryl

禁漫天堂 team

ZaraLC New member

Member since 10 July 2025

ZaraLCNew member10 July 2025 14:23:26

Hi Cheryl, thanks so much for the recommendations!

Please correct me if I'm wrong, but we looked at some of these options already and most of them won鈥檛 cover US citizens living in Puerto Rico unless you take out a worldwide policy!

I think Cigna Global even explicitly excludes US territories, and Allianz Care is not licensed to offer its expat health plans in Puerto Rico.

April International, ACS Expat, and Mondassur do allow Puerto Rico coverage, but only if you purchase their full worldwide plan which seems unnecessary since we are not planning to go anywhere . We鈥檇 love to hear if anyone has successfully found a standalone US/PR-only plan?

Thanks again!