InsuranceComing soon
The cover that won't reject you abroad.
The Insurance directory is being source-verified before release. Access is locked to Heed administrators during pre-launch QA.
Insurance · sorted for you
- Get a quoteBuy onlineUS nativeSource
- Get a quoteBuy onlineUS optionalSource
- Get a quoteQuote + buyUS moduleSource
Programmes
Visa Match
Structures
Structure Match
Accounts
Financial Navigator
Policies
Insurance
People
Marketplace
Visa and structure tools are available now. Financial, insurance and Marketplace access are still pre-launch.
What you get.
Insurance will be your cover map: the policies you can buy yourself, with the operational facts that decide whether they fit. At launch, it sorts what handles US persons and long-term residence to the top, so you're not reading fine print across many tabs to find the ones that work.
Travel medical and nomad cover for rolling, long-stay, and adventure trips
International health insurance for long-term residence, not just trips
US-person handling called out plainly. Native cover, optional module, or not at all
A 'buy it yourself' filter so you see what you can purchase online today
Coverage region, underwriter, and a direct link to quote, no sales call required
How it works.
- 01
Pick the kind of cover
Travel and nomad for trips and rolling stays, or international health for long-term residence.
- 02
Tell us if you're a US person
Toggle US person and plans with native US cover are listed first. Check the policy terms before you buy.
- 03
Filter to what you can buy
Show only self-serve plans you can purchase online today, or include broker-placed options too.
- 04
Quote direct
Open the provider and get a quote yourself. No referral kickback decides the order, fit does.
Pairs well with.
Banks that take people like you
- Private bankOpens remotely
- Retail bankOpens remotely
- Digital bankVisit required
Financial Navigator
The planned account side of the products layer: banks, brokers, multicurrency, and crypto rails for global residents.
Warned at day 155, before the line.
Residency Tracker
Day-count across borders so you know which residence your cover needs to match.
What changed in Portugal this month?
One change affects you: new rules for income earned abroad. Here is what it says, with the official source.
Ask Heed
Ask whether a policy's residence or US-person rules fit your situation, with sourced answers.
Questions, answered.
No. Heed is a directory, not a broker. You buy directly from the provider. Some providers run affiliate programmes, but that never changes the order or what we show, fit and US-person handling decide the sort.
Many international health insurers either exclude US persons, charge more, or only cover the US as an optional module. We normalise each plan as native US cover, optional, or none, and float the ones that actually work for you to the top.
Travel and nomad policies cover trips and rolling stays, often capped and not true health insurance. International health insurance is full medical cover for people who actually live abroad. We tag each plan so you don't buy trip cover when you needed health cover.
Most, but not all. Self-serve plans (SafetyWing, Genki, Insured Nomads and others) you buy online in minutes. A few comprehensive insurers (Cigna Global, Allianz Care, William Russell, Foyer) are quote or broker-placed. The 'buy it yourself' filter separates the two.
Insurance is the products layer: policies you buy yourself. The Marketplace is the people layer: a vetted insurance broker who places bespoke cover for a complex case. Use Insurance to buy a plan; use the Marketplace when you need someone to handle it.
Each tool maps a different thing to your profile, so you never have to guess. Visa Match finds residency and visa programmes (where you can live). Structure Match finds company structures (what to set up, and where). Financial Navigator finds accounts (banks, brokers, multicurrency, crypto rails). Insurance finds health and travel policies. The Marketplace is the people layer: vetted advisers, lawyers, bankers, and brokers for when you want a human to handle it rather than a product to choose yourself. Financial Navigator, Insurance and the Marketplace are not open yet.
Something else? Ask.
Answered from this FAQ by our assistant. Questions about your own taxes belong in Ask Heed, inside Heed.