Make sure the international insurance plan that you are considering guarantees an annual renewal each year.  Covid 19 has changed everything and can be used against an applicant. Make sure that you are not penalized too harshly for poor claim experience.  A strong insurance company pools it’s members by using an “age-banded” rating and does not base the annual renewal rate solely on one’s claim experience for the year.  This is one of the most important issues related to annual renewals. Many international carriers weigh in a member’s annual claims experience over many other factors.  Also, make sure that the international carrier’s international pool of members does not include people who live in the USA for more than 6 months out of any year (may vary). This drives up the rates big time. Non USA Addresses should be required. (This is our requirement)