Verified Apr 15, 2026· source: PassportCard Nomads
International insurerPassportCard Panama: full review 2026
Direct payment with a Visa card, any doctor in the world, no reimbursements or claims, entry up to age 64. Backed by Allianz. Here are the four plans with prices by age, what they cover and who they are for.
Score Revisa24
8.2/10
Average of 4 plan(s) across 6 criteria, public methodology.
- Value7.6
- Coverage7.9
- Flexibility9.1
- Claims9.0
- Digital8.4
- Transparency7.6
Verdict: the best user experience on the market, in exchange for price and no pre-existing conditions
For expats, freelancers and people aged 55 to 64 who want to choose their doctor and forget about paperwork, PassportCard is the reference. Comfort ($200/mo) is the sweet spot: $3.5M coverage, dental, maternity and USA. For families seeking the lowest price or interior residents, a local plan fits better.
From
$80/mo
PassportCard Starter
Max coverage
$5M
PassportCard Premium
Max entry age
64
New contracts
Plans
4
What it does well
- Free doctor choice: no closed network at all
- Real-time payment via Visa Debit, no reimbursements or forms
- Coverage in 180+ countries including the USA (Remote and above)
- Accepts new members up to age 64 with lifelong renewal
- $0 deductible, monthly cancellation
- Dental and maternity included from Comfort
The real limitations
- Higher price than local insurers for basic coverage
- No dental or maternity on Starter and Remote
- Does not accept pre-existing conditions
- Support mainly in English
- No Panamanian SSRP license: disputes under foreign jurisdiction
- No own network in the interior of the country
The 4 PassportCard Nomads plans
Verified Apr 15, 2026· source: PassportCard Nomads
| Plan | From/mo | Coverage | Deductible | Max age | Score |
|---|---|---|---|---|---|
| PassportCard StarterBudget entryWorldwide (including USA) | $80 | $500K | $0 | 64 | 7.0 |
| PassportCard RemotePopularWorldwide (including USA) | $119 | $1M | $0 | 64 | 7.8 |
| PassportCard ComfortBest valueWorldwide (including USA) | $200 | $3.5M | $0 | 64 | 8.8 |
| PassportCard PremiumUltimate PremiumWorldwide (including USA) | $350 | $5M | $0 | 64 | 9.2 |
- PassportCard StarterBudget entryWorldwide (including USA)
- From/mo
- $80
- Coverage
- $500K
- Deductible
- $0
- Max age
- 64
- Score
- 7.0
- PassportCard RemotePopularWorldwide (including USA)
- From/mo
- $119
- Coverage
- $1M
- Deductible
- $0
- Max age
- 64
- Score
- 7.8
- PassportCard ComfortBest valueWorldwide (including USA)
- From/mo
- $200
- Coverage
- $3.5M
- Deductible
- $0
- Max age
- 64
- Score
- 8.8
- PassportCard PremiumUltimate PremiumWorldwide (including USA)
- From/mo
- $350
- Coverage
- $5M
- Deductible
- $0
- Max age
- 64
- Score
- 9.2
Monthly price by age
| Age | PassportCard Starter | PassportCard Remote | PassportCard Comfort | PassportCard Premium |
|---|---|---|---|---|
| 18-29 | $65 | $95 | $160 | $280 |
| 30-39 | $85 | $125 | $210 | $360 |
| 40-49 | $120 | $170 | $285 | $480 |
| 50-59 | $175 | $245 | $400 | $650 |
| 60-64 | $240 | $330 | $530 | $850 |
- 18-29
- PassportCard Starter
- $65
- PassportCard Remote
- $95
- PassportCard Comfort
- $160
- PassportCard Premium
- $280
- 30-39
- PassportCard Starter
- $85
- PassportCard Remote
- $125
- PassportCard Comfort
- $210
- PassportCard Premium
- $360
- 40-49
- PassportCard Starter
- $120
- PassportCard Remote
- $170
- PassportCard Comfort
- $285
- PassportCard Premium
- $480
- 50-59
- PassportCard Starter
- $175
- PassportCard Remote
- $245
- PassportCard Comfort
- $400
- PassportCard Premium
- $650
- 60-64
- PassportCard Starter
- $240
- PassportCard Remote
- $330
- PassportCard Comfort
- $530
- PassportCard Premium
- $850
Verified Apr 15, 2026· source: PassportCard Nomads
Who it is for
Expats and nomads moving between Panama, the USA, Europe and Asia
Any doctor in any country, with the same card. Eliminates separate travel insurance.
People aged 55 to 64 rejected by ASSA and SURA
The only international private insurer with entry up to 64 and lifelong renewal, with more moderate prices than Cigna.
Anyone who hates paperwork and does not want to pay upfront
Card loaded in 30 minutes, app as control center, 24/7 telemedicine on every plan.
Who it is not for
Families looking for the lowest price
ASSA Medic Care ($71) or SURA ($21 to $95) cover the basics for less. Comfort with dental and maternity is $200/mo per person.
People with pre-existing conditions
Known conditions are excluded. Cigna Global Health accepts them with a surcharge.
Interior residents relying on local clinics
In David, Chitré or Santiago the card works, but private supply is scarce. ASSA has 18 own clinics there.
The red card: why it changes the experience
The fundamental difference between PassportCard and any local insurer is not price but architecture. ASSA, MAPFRE and SURA operate with a closed network or reimbursement: you pay, keep invoices and wait weeks. PassportCard has no network: you go to any doctor, clinic or hospital in the world and the company loads the funds onto your Visa Debit card within 30 minutes.
In a year of moderate use (3 to 5 visits plus one lab test), the total cost with PassportCard can be lower than a local plan with a $250 to $500 per-event deductible, even if the monthly premium looks higher. PassportCard's deductible is $0.
What the card does not solve
In Panama's interior (David, Chitré, Santiago) private hospital supply is limited; there ASSA has a logistical advantage with its 18 own clinics. And no PassportCard plan accepts pre-existing conditions.
How to enroll in under 30 minutes
- Online quote on the PassportCard site (under 5 minutes).
- Plan selection (Starter, Remote, Comfort or Premium) and start date.
- Simplified health declaration: pre-existing conditions are excluded, not surcharged.
- Credit card payment; the policy activates immediately.
- The physical Visa card arrives in 2 to 4 weeks; meanwhile you use the virtual card in the app.
Verdict: PassportCard Nomads 8.2/10
For expats, freelancers and people aged 55 to 64 who want to choose their doctor and forget about paperwork, PassportCard is the reference. Comfort ($200/mo) is the sweet spot: $3.5M coverage, dental, maternity and USA. For families seeking the lowest price or interior residents, a local plan fits better.
Frequently asked questions about PassportCard Nomads
How does the PassportCard red card work?
Does PassportCard work at Panama hospitals?
Up to what age can I enroll?
Does it cover maternity and dental?
Does it cover pre-existing conditions?
Who backs PassportCard?
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